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
tour
International Medical Group
iTravelInsured SE
If you read most reviews, they are written by people who didn't file claims. After spraining both knees and ankles, this plan paid a total of $95 for crutches and nothing for small additional taxi and uber costs, since I couldn't walk. The rest of my medical was paid for by New Zealand. When I called their service number, I left a message and didn't get a call back. I finally called their emergency number and was told to go to an ER. They gave me an address, which turned out to be a doctor's office (not open at 5 a.m.). The exclusions in this policy/company are ridiculous: Charge the maximum, pay the very minimum at all costs. I would avoid them like the plague in the future and will share this information as broadly as possible.
Sherry L. would not
recommend this plan to a friend or relative.
9 of
9 people found this review helpful
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector
This is the 3rd time we have used Insuremytrip. They always do a great job. They are more interested in your traveling needs then trying to sell a plan.
Kenneth F. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Universal Cruise
Did the job. Service not required. The cost was higher than I expected.
Robert S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Generali Global Assistance
Standard
Did not need to use the insurance but provides peace of mind. Wish it was not so expensive however.
Sheryl B. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
John Hancock
Bronze
It's difficult to review a plan that one doesn't utilize. I appreciated the "peace of mind" that comes with the purchase.
Robert G. would
recommend this plan to a friend or relative.
The trip included a
cruise
International Medical Group
iTravelInsured SE
It's difficult to rate a plan since we did not file a claim; however, the plan provided needed coverage at a fair price.
Susan H. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
cruise
tour
AXA Assistance USA
Silver
AXA claims handling is terrible. I made a claim because the first leg of a three leg international journey was cancelled due to a winter storm. I had to rent a car to drive 300 miles to the next airport to catch the second leg of the trip. The airline's ticket refund was less than the cost of the rental car. I filed a claim with AXA for about $100--the amount the rental car charge exceeded the airline reimbursement.
I submitted the extensive documentation AXA required. After 6 weeks, AXA denied the claim with a nonsensical letter. I explained the claim again, and AXA requested additional documentation, which I provided. In response, AXA denied the claim again--this time insisting that my flight was cancelled 2-1/2 months before departure, not the night before departure. I threatened a small claims lawsuit and reported the matter to insuremytrip.com. After a few weeks, AXA requested (for the first time) a letter from the airline confirming the cancellation and the reason. I provided that documentation and my claim was finally accepted.
I submitted the extensive documentation AXA required. After 6 weeks, AXA denied the claim with a nonsensical letter. I explained the claim again, and AXA requested additional documentation, which I provided. In response, AXA denied the claim again--this time insisting that my flight was cancelled 2-1/2 months before departure, not the night before departure. I threatened a small claims lawsuit and reported the matter to insuremytrip.com. After a few weeks, AXA requested (for the first time) a letter from the airline confirming the cancellation and the reason. I provided that documentation and my claim was finally accepted.
Michael G. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Carol
Thank you for taking time to submit your review.
Although we are very sorry that you had such a negative experience with the AXA claims department, we are pleased to hear that AXA has now paid your claim.
We did not publish your review when it was first received on May 25th because we assigned an Anytime Advocate to support you with the process since you believed that your claim was unfairly denied. Now that your claim is settled, we are publishing your review.
Please feel free to call Customer Care at 800-487-4722 if you have further questions.Jun 06,2018
The trip included a
cruise
Nationwide Mutual Insurance
Choice Cruise
I filed a claim with the insurance after our cruise missed two ports due to a cyclone. Hang on to the paperwork the ship gives you that shows they have to deviate from the original cruise plan. We received $200 each for missing the ports. I would use this insurance again for our next cruise.
Maria L. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
cruise
John Hancock
Gold
If not for the InsureMyTrip advocate, I doubt John Hancock would have ever paid my claim. My husband was seriously injured in a fall and required hospitalization 2 days before we were to depart. I sent in all required documents within 10 days of his accident and got virtually no response from JHC. After waiting 3 months and getting no response to my inquiries, I asked InsureMyTrip for help. Their advocate called several times and arranged a conference call where they finally agreed to mail the check asap. Almost 4 months after filing my claim, I did receive full reimbursement, but not until sending multiple additional documents and with phone calls from IMT's advocate. I would never use JHC again.
Linda H. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
Mike
We appreciate your feedback on the policy. We are sorry to learn that you were unable to travel and that you were dissatisfied with your claim experience. We are pleased that you ultimately received reimbursement of your loss.
Thank you for allowing InsureMyTrip to advocate on your behalf. We look forward to assisting you in the future. 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.
May 14,2018
The trip included a
cruise
tour
Global Alert!
Preferred
I have never filed a claim before, but the plan covered as I expected it should; took a little more effort (paperwork) than I would have hoped, but resolved in under a month. I would use again.
Jacob Z. would
recommend this plan to a friend or relative.
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.