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.
C&F Travel Insured International
Worldwide Trip Protector
I bought two separate policies (as required since we don't live in the same household) for my almost 80-year-old father and I to travel to the Netherlands in April 2020. The airline cancelled our flights (non-refundable tickets) because of COVID (clearly stated in our email). I filed a claim for one policy on April 5, 2020 with all relevant documentation. I started getting reminders to submit relevant documentation several weeks later although I had already submitted all of the required documentation. I submitted the second claim for my father in May 2020 because it was clear nothing was happening quickly (understandable certainly). Several months later, I started calling on a monthly basis because of hearing nothing from the company. They assured me first the files were complete and then that they had been consolidated and assigned to a claims person. I gave up calling after the last person I spoke to said that calling every month was fine but wouldn't make anything happen any faster. I received a letter about my policy today 10/16/20 (almost six and a half months later) informing me that non-refundable airfare was apparently not covered under the policy. I reread the policy and agree that this is apparently true. Why one would offer insurance for travel but not cover airfare is admittedly a "shame on me" thing for not noticing that the one and ONLY thing we needed it for wasn't included (literally the tickets were the sum total of the value of the trip for which we requested insurance--everything else was refundable or could be cancelled). I understand the technicality of the decision; that it took five and a half months (without any clear information from the company) is appalling, especially now since I have to try and find other recourse to recoup thousands of dollars some other way. I certainly would never buy from this company again and would urge other users to read carefully in case they assume that their airfare is in fact included in the policy if your airline cancels your trip. In our case, it was "your Travel supplier cancelling your trip is not a listed covered reason; therefore, benefits are not payable." So, lesson learned, but I wish I hadn't been able to buy coverage for something which literally couldn't be refunded according to the terms of the policy.
John S. would not
recommend this plan to a friend or relative.
6 of
6 people found this review helpful
John Hancock
Bronze
My trip was cancelled due to COVID-19 and I lost money on some VRBO places. This company took 3 months to work my claim before denying it. They said COVID-19 wasn't a natural disaster. Worst company ever. Won't ever do business with this insurance company again. Avoid this company. I will file a complaint with the California Department of Insurance.
Dodie K. would not
recommend this plan to a friend or relative.
5 of
6 people found this review helpful
The trip included a
cruise
tour
International Medical Group
iTravelInsured SE
Our trip was cancelled due to the whole Covid-19 pandemic. We therefore did not need to use the insurance and requested a refund. While it is true that our policy stated that no refunds unless canceled within 15 days of purchase, and we requested the refund after 15 days, these are extraordinary circumstances, completely beyond our control and through no fault of our own. Other companies, such as ALLIANZ Insurance are offering refunds to its customers despite contract terms to the contrary.
There is nothing we, as consumers, can do except choose to do business in the future with other companies. We of course will not use insuremytrip.com or United States Fire Insurance Company for any future travel or other insurance needs.
There is nothing we, as consumers, can do except choose to do business in the future with other companies. We of course will not use insuremytrip.com or United States Fire Insurance Company for any future travel or other insurance needs.
Myrabelle S. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
The trip included a
cruise
Generali Global Assistance
Standard
Always hope that we won't have to use the insurance, but we did, in fact, file a Trip Interruption claim that was handled quickly and efficiently. The Customer Service staff guided me through the process and even told me how to obtain the information I needed from the airline. Will purchase again for future trips.
Sara M. would
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector Lite
Worked for me. Not the least expensive but provided necessary coverage. Not needed so all went well.
Robert S. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Purchased this plan and fell ill the day before departure and was not able to travel. Completed and submitted all claim forms including a memo describing the fact that the cruise line would not provide a written cancellation confirmation. I was able to sell my reservation to someone else at the last minute (at a huge discount) and reduce the insurer's loss.
Trip cancellation coverage purchased was $4,200.00. My loss was $3,516.12. Nationwide paid a measly $517.20 !!!
Trip cancellation coverage purchased was $4,200.00. My loss was $3,516.12. Nationwide paid a measly $517.20 !!!
William L. would not
recommend this plan to a friend or relative.
3 of
4 people found this review helpful
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
-
Mike
Thank you for your feedback on your policy. We have sent your comments to your provider and they have replied with the following:
"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."Oct 25,2019
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.
Please see the response from C&F Travel Insured regarding your review:
"We thank you for your feedback and apologize for the frustrations you’ve experienced during your experience with our company. Our relationship with our customers is very important to us. If you’d like to discuss your situation further please contact us at [email protected]. We appreciate your patience."