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
tour
Nationwide Mutual Insurance
Prime
This plan worked out great for us. Due to an illness in our family we were unable to take our trip. We had to provide bank or credit card statements for all expenses and once we did the claim was processed in a matter of days. The checks were mailed out promptly but the USPS took almost 2 weeks to deliver. We would have lost over $17000 without this insurance. Customer service (Flo) was very helpful answering questions we had.
Curt W. would
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
The trip included a
cruise
tour
Generali Global Assistance
Preferred
Had all documentation including costs, penalties, and refunds. However, form from Royal Caribbean did not comply with their rules that it must say "cancellation" and it was difficult to get that information from cruise line. As a result, there was a 2 month delay between time submitted and check received.
Kathleen B. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
tour
Berkshire Hathaway Travel Protection
ExactCare Value
Travel insurance is a great unknown. What is a fair price? What is the real risk of needing it? This is not data any of us are familiar with so we leap into it hoping it will help us if we need it. Unless you have to interact with the company in a time of need, you never really know how good or bad it is.
Ideally, home-owners insurance would have a rider to cover those who are traveling, this way the insurance company would have,ore skin in the game if we were dissatisfied. Lacking that, good. Luck.
We bought it, did not need it, so how do we know if it money well spent.
Ideally, home-owners insurance would have a rider to cover those who are traveling, this way the insurance company would have,ore skin in the game if we were dissatisfied. Lacking that, good. Luck.
We bought it, did not need it, so how do we know if it money well spent.
Robert F. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
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Brittany GBerkshire Hathaway Travel Protection
Thank you for your feedback, we appreciate it!Aug 29,2023
The trip included a
tour
AIG Travel
Travel Guard® Preferred
AVOID TRAVEL GUARD AND AIG INSURANCE CO
We bought AIG Travel Guard to cover our flights and rafting trip in the Grand Canyon. Our Airline (American) cancelled our flight at midnight, 8 hrs prior to departure, and couldn’t offer same day departure on another flight. We had to buy new tickets on a different airline in order to arrive in time to depart on our rafting trip. After 6 months of trying, both the ticket agent and the airline refused to refund us for the full cost of our original tickets and the additional cost of last minute booking on a different airline. We turned to AIG for coverage and our claim was denied because they said the airline cancelling your flight is not a covered reason if it occurs prior to your trip - even 8 hours prior when you have no other options. The policy will cover you if your pet gets sick and you miss your trip, so a sick hamster will get your money back but not an airline cancelling your flight. Wouldn’t you think travel insurance would cover the airline cancelling your flight before covering a sick hamster? AIG’s Travel Guard doesn’t.
Furthermore, our claims experience was a complete disappointment. First, we submitted all required documents with our claim. About 4 weeks passed and then AIG asked for all the documents again. We responded that we had submitted everything with the original claim and asked for clarification on what they were missing. There was no response and then several more weeks of silence went by and we received our denial. All the communications we received from AIG end by saying to please call with any questions. So, we called to speak with someone about our claim. The person who answered was clearly reading from a script and was incapable of providing anything other than the scripted answer. This was evident because we were read the same scripted answer multiple times. We then asked to speak with the adjuster about our claim and were promised a call. That call never came.
We did read the policy prior to purchasing it and consider the policy language vague at best. The average person would have significant difficulty knowing whether a potential travel issue would be covered under this product, and there are scenarios like ours that could affect your trip but that you wouldn’t think to ask about ahead. Except for your hamster suddenly becoming ill - that’s covered, no need to ask.
We also think Insuremytrip.com could do a better job of pointing out common travel issues that aren’t covered, and that this should be part of the comparison tool.
We bought AIG Travel Guard to cover our flights and rafting trip in the Grand Canyon. Our Airline (American) cancelled our flight at midnight, 8 hrs prior to departure, and couldn’t offer same day departure on another flight. We had to buy new tickets on a different airline in order to arrive in time to depart on our rafting trip. After 6 months of trying, both the ticket agent and the airline refused to refund us for the full cost of our original tickets and the additional cost of last minute booking on a different airline. We turned to AIG for coverage and our claim was denied because they said the airline cancelling your flight is not a covered reason if it occurs prior to your trip - even 8 hours prior when you have no other options. The policy will cover you if your pet gets sick and you miss your trip, so a sick hamster will get your money back but not an airline cancelling your flight. Wouldn’t you think travel insurance would cover the airline cancelling your flight before covering a sick hamster? AIG’s Travel Guard doesn’t.
Furthermore, our claims experience was a complete disappointment. First, we submitted all required documents with our claim. About 4 weeks passed and then AIG asked for all the documents again. We responded that we had submitted everything with the original claim and asked for clarification on what they were missing. There was no response and then several more weeks of silence went by and we received our denial. All the communications we received from AIG end by saying to please call with any questions. So, we called to speak with someone about our claim. The person who answered was clearly reading from a script and was incapable of providing anything other than the scripted answer. This was evident because we were read the same scripted answer multiple times. We then asked to speak with the adjuster about our claim and were promised a call. That call never came.
We did read the policy prior to purchasing it and consider the policy language vague at best. The average person would have significant difficulty knowing whether a potential travel issue would be covered under this product, and there are scenarios like ours that could affect your trip but that you wouldn’t think to ask about ahead. Except for your hamster suddenly becoming ill - that’s covered, no need to ask.
We also think Insuremytrip.com could do a better job of pointing out common travel issues that aren’t covered, and that this should be part of the comparison tool.
Dallas V. would not
recommend this plan to a friend or relative.
14 of
14 people found this review helpful
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Angie
We at AIG Travel apologize for any challenges you experienced with your claim. Claims are adjudicated based on the coverage purchased and supporting documentation submitted. If you would like assistance with contacting your Claim Adjuster to further review the outcome of your claim and the benefits available, please let us know.
Apr 25,2023-
DallasV
To anyone consider AIG Travel Guard, this reply from AIG is representative of the level of customer service you can expect from AIG should you ever have a claim. My review states we were promised a call from our claim adjuster, and the claim adjuster never called. Now, the response from AIG asks if we want assistance contacting our Claim Adjuster.
Angie @ AIG - we are still waiting for a call from the claim adjuster that we requested months ago, so please follow up on the original request for the claim adjuster to call us.
Thank you.May 01,2023
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The trip included a
tour
Nationwide Mutual Insurance
Prime
I had to cancel a trip due to an injury 2 weeks before I was due to leave. It was a group trip with hotel, daily transport to ski areas, airfare and other items. I showed documentation for airfare not being refundable and all my payments. Within 3 weeks I had my check. The representative called me with one question. She was polite and understood my claim once we spoke. I am more than satisfied.
Lisa R. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
Trawick International
Safe Travels Voyager
I did not have to make a claim for this particular trip, but I DID have to make one for a trip I insured with them last fall. The submission process was easy, and although I had to submit all of my paperwork twice for some reason, I was reimbursed for all of my expenses within a reasonable time. I wouldn't hesitate to use Trawick again to insure a trip.
Breean G. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
tour
Trawick International
Safe Travels Voyager
We don't ever want to file a claim. It was a little pricier than we'd like for a domestic vacation trip that needed coverage due to the area where medical care could get expensive depending on scenario.
Kenneth W. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Trawick International
Safe Travels Voyager
Not even sure if they covered my exact trip honestly feels like I wasted my money here
Christina D. would not
recommend this plan to a friend or relative.
-
Angie
Thank you for your feedback. We'd love to help clarify anything on the plan you purchased to ensure you have everything you need for your trip. Please feel free to give us a call at (888) 301-9289 or email [email protected], and someone from our Customer Service team will be happy to help. Thanks so much.
Mar 02,2023
The trip included a
tour
Trawick International
Safe Travels Voyager
I contracted Covid right before the trip. The Trawick International plan's claim processing representatives were helpful in assisting me to file my claim for trip cancellation. The claims department fully reimbursed me for the trip cancellation. I am very satisfied.
Ronald D. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
tour
Generali Global Assistance
Standard
I had a lovely trip to Dubai, Senegal& Gambia with 5 friends from October 31-November 18, 2022! Thankfully our trip went relatively smoothly& only 1out of 12 suitcases was left behind but returned within 36hours! I thank GGA for coverage!
Lisa T. would
recommend this plan to a friend or relative.