Travel Insurance Reviews Comprehensive Plans
Comprehensive plans offer the most benefits, including Trip Cancellation and Trip Interruption. These plans provide the best protection for the investment you have made in your trip.
To learn more, read our Comprehensive Plans article.
The trip included a
cruise
International Medical Group
iTravelInsured LX
We learned a lesson 7 years ago in Australia-always get primary medical if you are on Medicare. InsureMyTrip has always been soooo help in recommending the policy with the coverage we need.
Roberta S. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector
I never go on a trip without contacting Insuremytrip.com. Most often, i just insure for medical coverage since my husband and I are in fairly good health and not worried about trip cancellation, etc. After I described my trip insurance needs to an agent, she recommended the C&F Travel Insured International Worldwide Trip Protector plan to cover our medical needs for a trip to Australia and New Zealand in February-March, 2019 that included a 14 day cruise on Holland America. Early into the cruise, we both developed very bad colds and coughs that we couldn't shake. Late in the first week, we both went to the ship's doctor who diagnosed it as a common cold and gave us medicine to help fight it. When i got home, i was still sick and went to see my primary care who prescribed antibiotics and i finally shook the illness in about a month. The fee for the ship's doctor for the 2 of us including some medicine was $250.00. When we got home, we filed a claim with C&F Travel Insured on line. The process was pretty straight-forward. They initiated the claim but required that we file the claim first with our primary insurer, Blue Cross through my employer. We did and since the Holland America Noordam Medical Center was out of network, it approved the claim but required that it go first against my deductible which we hadn't used up yet, Blue Cross did not pay out anything. Once we got the EOB (Explanation of Benefits) back from Blue Cross showing that they approved it but didn't pay out to us, we then filed a copy of the EOB, our claim form and a copy of the invoices from the ship, online via a document scan upload to C&F Travel Insured. In about 2-3 weeks, we got approval from C&F that our claim was approved and received a check for the full amount shortly after. I am extremely happy with the professionalism shown by all parties involved. Yes, it took some a little bit of time, to first file with Blue Cross, then with C&F, but that was as to be expected and completely following the terms of my policy. I would definitely use Insure my Trip and C&F again. I have used Insure my trip at least 4-5 other times and this is my first time ever needing to file a claim and i'm very happy with the experience of everyone involved.
Nancy D. would
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector Lite
Really without having a claim I cannot say how good the policy was.
Tom H. would
recommend this plan to a friend or relative.
The trip included a
cruise
International Medical Group
iTravelInsured SE
A negative - 12 hour missed connection is too many hours -
The other coverages were good -
The other coverages were good -
Karen S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Prime
When we filed a plan for trip interruption, they did eventually pay but their communication was terrible (basically none) and it took longer than promised. The payout was less than half of what we claimed based on how they classified it so it wasn't overall a great experience. You can't say it was clearly wrong but it wasn't a very satisfying handling of the claim.
Steven S. would not
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
-
Mike
Thank you for your feedback on the policy. We are sorry that you were dissatisfied with your claim experience. We do want you and your fellow customers to be aware that InsureMyTrip offers a Customer Advocate Program. Customer Advocates are representatives assigned to assist customers who experience issues after filing a claim. Requesting a Customer Advocate is as simple as calling 800-487-4722 or emailing [email protected], explaining the events which resulted in a claim, and the challenges you are facing.Apr 23,2019
The trip included a
cruise
tour
Generali Global Assistance
Preferred
Agent was great to work with as we made a few changes in the procurement process. Very understanding and helpful
Philip C. would
recommend this plan to a friend or relative.
The trip included a
cruise
Berkshire Hathaway Travel Protection
ExactCare
Didn't have to use it, so I can't comment on the plan itself, but knowing it was there if I needed it was reassuring.
Boydyne R. would
recommend this plan to a friend or relative.
-
Christine Sapa
Berkshire Hathaway Travel Protection
Thank you for taking time to provide your 5-star rating! We do appreciate it.Mar 05,2019
The trip included a
cruise
Nationwide Mutual Insurance
Luxury Cruise
Seemed like the best policy I'd found for a cruise, since it's specifically designed for cruises, & covers everything you need. It was really reasonably priced too with better coverage for a better price than from the cruiseline or my travel agent. I'm going on 2 cruise in the next 12 months, so I'll be buying it again! It would be nice if you could buy it for multiple cruises at a time since one typically needs to book in advance. I'll be on 3 in a 12 month period. But otherwise it was great peace of mind as I didn't need to make a claim.
Carol B. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
AIG Travel
Travel Guard Basic
Met all my needs at a good cost. Highly recommend.
Dennis S. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
Generali Global Assistance
Preferred
Just felt plan too expensive.
Don T. would
recommend this plan to a friend or relative.
This policy has the following coverage for Missed Connection:
"If You miss Your cruise or tour departure because Your arrival at Your Trip destination is delayed for six (6) or more hours, due to:
(a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);
(b) documented weather condition preventing You from getting to the point of departure;
(c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.
We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:
(a) Your Additional Transportation Cost to join Your Trip; and
(b) Your Prepaid expenses for the unused land or water Travel Arrangements; and
(c) reasonable accommodation and meal expenses up to one hundred twenty-five dollars (125USD) per day necessarily incurred by You for which You have proof of purchase and which were not paid for or provided by any other source.
Your delayed arrival must be due to:
(a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);
(b) documented weather condition preventing You from getting to the point of departure;
(c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.
These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy."
This policy has the following coverage for Travel Delay:
"Benefits will be paid up to one hundred twenty-five dollars (125USD) per day for: reasonable accommodation, meal, telephone call and local transportation expenses incurred by You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if You are delayed for twelve (12) hours or more while enroute to or from, or during Your Trip, due to:
(a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);
(b) a traffic accident in which You or Your Traveling Companion is not directly involved (must be substantiated by a police report);
(c) lost or stolen passports, travel documents or money (must be substantiated by a police report);
(d) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot;
(e) a documented weather condition preventing You from getting to the point of departure."
We strongly recommend customers read the terms and conditions of the policy within the review period to determine if the policy fits your needs. If the policy does not fit your needs, it can be cancelled within the review period for a refund of premium. Please call us at 800-487-4722 if you have any questions or concerns.