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
Travelex
Travel Select
The "unthinkable" happened in England as I stepped off a train an hour before leaving for a Baltic cruise. I fractured my femur and, as a result, was transported to Ashford, England, where I had surgery the next day, plus an 8-day hospital stay. We had purchased a Travelex Select policy and my husband promptly informed the company when we arrived in the ER. The hospital accepted our proof of coverage without hesitation or demand of an up-front payment of any kind.
When I was medically fit to travel, the evacuation part of the policy kicked in. On Call Int'l., arranged for an very competent and caring R.N. to fly to England to escort us home. On Call made all of the air and driver arrangements from the hospital to Gatwick to home.
Regarding the claims process: I filed a claim two weeks after arriving home for the hospital bill and the nonrefundable trip expenses. The response was slow but finally the claim was paid in full, per the policy. The hospital system also was patient, realizing that it takes time to collect on insurance.
Observations:
1. My husband's lodging, meals, and transportation expense was classified under the "Trip Delay" portion of the policy with a limit of $750, with the remainder out-of-pocket to us. Most trip insurance policies seem to have a similarly low limit.
2. There was no explanation why the entire hospital bill wasn't paid at first. I asked Insuremytrip.com for advice. They appointed a claims advocate who quickly resolved the issue.
3. Having a policy with primary medical coverage, instead of secondary, was essential to avoid further delay and hassles.
In the end, we were happy with both the Travelex Select policy and also with InsuremyTrip.com
When I was medically fit to travel, the evacuation part of the policy kicked in. On Call Int'l., arranged for an very competent and caring R.N. to fly to England to escort us home. On Call made all of the air and driver arrangements from the hospital to Gatwick to home.
Regarding the claims process: I filed a claim two weeks after arriving home for the hospital bill and the nonrefundable trip expenses. The response was slow but finally the claim was paid in full, per the policy. The hospital system also was patient, realizing that it takes time to collect on insurance.
Observations:
1. My husband's lodging, meals, and transportation expense was classified under the "Trip Delay" portion of the policy with a limit of $750, with the remainder out-of-pocket to us. Most trip insurance policies seem to have a similarly low limit.
2. There was no explanation why the entire hospital bill wasn't paid at first. I asked Insuremytrip.com for advice. They appointed a claims advocate who quickly resolved the issue.
3. Having a policy with primary medical coverage, instead of secondary, was essential to avoid further delay and hassles.
In the end, we were happy with both the Travelex Select policy and also with InsuremyTrip.com
Carla M. would
recommend this plan to a friend or relative.
5 of
5 people found this review helpful
AXA Assistance USA
Gold
a bit pricey
pierre m. would
recommend this plan to a friend or relative.
-
Carol
Comprehensive plans may appear "pricey" since premiums are generally based on the traveler's age, trip cost and length of trip. However, we do offer a wide range of products. In the future, you may wish to call us at (800) 487-4722 for assistance in quoting and purchasing a policy.Nov 07,2018
Generali Global Assistance
Standard
Excellent choice
Adrienne L. would
recommend this plan to a friend or relative.
The trip included a
tour
AIG Travel
Travel Guard Basic
Only problem was getting the plan in my hands before the trip as the paperwork was sent to the wrong address. Was not sure if I had to be at my residence when the re-mailing occurred as I was not at home when it was planned to be sent. Thought maybe the plan had to be signed for. Paid post office to delay the delivery for 4 days until I returned to my address.
donald m. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Nationwide Mutual Insurance
Essential
I did not have a claim so I really don't know how good this insurance really was.
John H. would
recommend this plan to a friend or relative.
The trip included a
tour
Berkshire Hathaway Travel Protection
ExactCare
We didn't use the insurance, but purchasing and reviewing the plan was easy enough.
Michael C. would
recommend this plan to a friend or relative.
The trip included a
cruise
WorldTrips
Atlas Expedition
Thank you for being there and we are so grateful not to have used the plan, but we knew you would be there is we needed it.
Nancy B. would
recommend this plan to a friend or relative.
The trip included a
tour
TripAssure
Advantage Bridge
Did not have to file a claim so do not know how efficient this plan would have been had I had the need to do so.
Carol P. would
recommend this plan to a friend or relative.
C&F Travel Insured International
Worldwide Trip Protector Lite
didnt have to use it but felt secure that if I needed it, I would be covered.
Nancy O. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
John Hancock
Bronze
While I fortunately did not need the coverage, I had peace of mind that if something had occurred it would have been handled. A few years back while traveling abroad with my father,
he bacame unwell in Italy and was hospitalized for a week. He had coverage and was well taken care of, even with transportation to airport. It was very instructive.
he bacame unwell in Italy and was hospitalized for a week. He had coverage and was well taken care of, even with transportation to airport. It was very instructive.
Jacqueline S. would
recommend this plan to a friend or relative.