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
AIG Travel
Travel Guard Silver
Hard to write a review if no action was necessary. But appreciate your efforts to gain feedback.
James L. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Universal Cruise
I travel often and this is the only website I use to decide which travel insurance plan to purchase. I love it!
Margaret 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
Standard
We bought travel insurance from Generali Global Assistance. About a month later I had mild back pain. I saw my doctor, he gave me some muscle relaxants and said I'd be fine and I specifically asked him if it was okay to go on my trip. He said yes.
While on my trip I suddenly experienced excruciating back pain. I saw the ship's doctor, got pain medication, rented a wheelchair, and my total medical bills during the trip were $1263.29.
I filed a claim with Generali. I included all of the receipts and documentation they asked for.
They denied my claim, based on the fact that the ship's doctor had written in my exam notes that my doctor at home had seen me for mild back pain before the trip.
Generali decided it was a pre-existing condition. I had MILD pain before I left on the trip. During the trip I developed a herniated disk (and have since had surgery for it.) The injury occurred DURING THE TRIP.
Generali didn't care. I asked if I could send them a letter from my doctor stating that he had told me I was fine and could go on my trip. Generali said it wouldn't matter, it was a pre-existing condition.
I asked if I could appeal the claim, I was told NO.
I asked them what would have happened if I had cancelled my trip because I developed mild back pain. They said I would not have been refunded my money because the medical issue was pre-existing, and the policy only covered medical issues that happened while on the trip.
Keep in mind, I had NO back pain at all and had not seen my doctor when I made the trip plans and purchased the insurance. Quite the Catch 22!
And if had a herniated disk BEFORE I went on the trip, I wouldn't have been able to walk. The herniated disk happened DURING the trip, and I was unable to walk.
But because I had been honest when speaking to the ship's doctor and told him I'd seen my doctor at home for mild back pain before the trip, and my doctor gave me some muscle relaxants and said I was fine, Generali still decided it was pre-existing. My home doctor specifically told me I was fine to go on the trip!
They had no appeal process, nor would they accept a letter from my doctor stating this was not pre-existing.
I DO NOT recommend Generali Global Assistance. They are a scam.
While on my trip I suddenly experienced excruciating back pain. I saw the ship's doctor, got pain medication, rented a wheelchair, and my total medical bills during the trip were $1263.29.
I filed a claim with Generali. I included all of the receipts and documentation they asked for.
They denied my claim, based on the fact that the ship's doctor had written in my exam notes that my doctor at home had seen me for mild back pain before the trip.
Generali decided it was a pre-existing condition. I had MILD pain before I left on the trip. During the trip I developed a herniated disk (and have since had surgery for it.) The injury occurred DURING THE TRIP.
Generali didn't care. I asked if I could send them a letter from my doctor stating that he had told me I was fine and could go on my trip. Generali said it wouldn't matter, it was a pre-existing condition.
I asked if I could appeal the claim, I was told NO.
I asked them what would have happened if I had cancelled my trip because I developed mild back pain. They said I would not have been refunded my money because the medical issue was pre-existing, and the policy only covered medical issues that happened while on the trip.
Keep in mind, I had NO back pain at all and had not seen my doctor when I made the trip plans and purchased the insurance. Quite the Catch 22!
And if had a herniated disk BEFORE I went on the trip, I wouldn't have been able to walk. The herniated disk happened DURING the trip, and I was unable to walk.
But because I had been honest when speaking to the ship's doctor and told him I'd seen my doctor at home for mild back pain before the trip, and my doctor gave me some muscle relaxants and said I was fine, Generali still decided it was pre-existing. My home doctor specifically told me I was fine to go on the trip!
They had no appeal process, nor would they accept a letter from my doctor stating this was not pre-existing.
I DO NOT recommend Generali Global Assistance. They are a scam.
Anna Marie F. would not
recommend this plan to a friend or relative.
8 of
8 people found this review helpful
The trip included a
cruise
tour
TravelSafe
Basic
Did not use it but I felt comfortable with your company
Roy F. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Information provided by the agent and carrier was reasonably clear and understandable. The follow up prior to departure was good and timely, helping to gather information that needs to be carried while on the trip. We did not have to test this policy so I can't rate that aspect of its quality. As with any insurance, its worthless if you don't understand it, know how or when it takes affect, or how to call on the services its provides while on the trip. I forwarded electric copies of the policy to myself, spouse, and family in the event I lacked the ability or capability to put various emergency facilities in affect.
Donald K. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Travelex
Travel Select
It is hard to rate an insurance plan if you didn’t file a claim. We fortunately did not need to file a claim. A review from someone who did file a claim will carry more weight for a review. I did like knowing that if some unforeseen circumstance occurred we would not have been out thousands of dollars.
Sara B. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector Lite
Fortunately we didn’t need to use the insurance but we appreciated the peace of mind knowing that we had it.
Kerry S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
International Medical Group
iTravelInsured SE
Easy to buy Insurance but did not need to file a claim.
Sonya S. would
recommend this plan to a friend or relative.
The trip included a
cruise
John Hancock
Silver
Like any other insurance, one never knows how good the coverage is until you need it! Fortunately, I did not require any claims. It seemed to be a good policy for my individual situation. It was comforting knowing I had this policy as a back up.
Robert F. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Universal Cruise
Good product and coverages. A person on our trip had a serious medical event and couldn’t travel home in the middle of the trip putting herself at risk. She had no insurance coverage. I think she will be purchasing a policy for future trips.
Vivian D. would
recommend this plan to a friend or relative.
"We're sorry to hear about the circumstances surrounding your claim, and for not meeting your expectations. We want our customers to understand the coverage details of our plans and stress the importance of reviewing these details via the sample Description of Coverage/Insurance Policy that’s provided at the time of purchase, and contacting (800) 348-9505 or [email protected] with additional questions. The plan you purchased includes medical coverage resulting from a sickness that first manifests itself or an injury that occurs while on a trip as outlined on your coverage details. If you have further questions, please contact us at the phone number or email above."