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
Generali Global Assistance
Standard
A comprehensive plan was required for the trip we were taking to subantarctic islands off the coast of New Zealand. The plan we purchased contained all of the necessary elements for our trip and was cheaper than equivalent plans. That is the operational definition of a good deal.
Sharon D. would
recommend this plan to a friend or relative.
The trip included a
cruise
AXA Assistance USA
Gold
We purchased this policy to cover unlikely weather events that would prevent our adventure cruise from operating, per the recommendation of the adventure cruise company as they would not reimburse under those circumstances. A category 5 tropical storm (hurricane) then occurred damaging the ship irreparably preventing us from going on this cruise. This event was clearly covered in our policy, yet AXA denied our claim, denied 2 appeals, then advised us to take our issue to our state insurance commissioners office. We did that and eventually received compensation. This took over 4 months from when our claim was filed. While we received prompt and courteous response from the customer service reps, we were repeatedly denied direct access to any of the adjusters who denied our claim to have them explain their reasons, which changed with every denial. This process was very stressful as we were to loose $7500 in what was so clearly covered by the policy. This is the first time we have filed a travel insurance claim so we don't know if all insurers are like this or just AXA. However, we believe most customers would not go this far to be reimbursed and insurance companies know this.
Mary R. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Zac
Thank you for your feedback on the policy. We are sorry that you were dissatisfied with your claim experience. We are pleased that you ultimately received reimbursement of your loss. Based on your review, it appears you took the steps that we would have recommended, but 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.Oct 25,2016
The trip included a
cruise
John Hancock
Gold
I routinely buy travel insurance but this is only my second claim in 10 years! My luggage was delayed 3 days.
After I emailed the company for directions, submitting the claim online (with scanned docs) was easy, and I was never asked to re-send anything. The only curious thing is, since this was a policy insuring two people, my baggage loss claim was split between my husband and me. Half the claim arrived 2.5 weeks before the other one, which caused initial confusion on my part and a concerned call to the agency. It would have been helpful to receive an explanation with the first check that the second half was on its way - or having two checks in the same envelope would have been a good idea!
Either way, it's done now, and I am happy with the answers I got on the phone while we were in New Zealand as well as with the smoothness of the online claims procedure. I will buy from this company again.
After I emailed the company for directions, submitting the claim online (with scanned docs) was easy, and I was never asked to re-send anything. The only curious thing is, since this was a policy insuring two people, my baggage loss claim was split between my husband and me. Half the claim arrived 2.5 weeks before the other one, which caused initial confusion on my part and a concerned call to the agency. It would have been helpful to receive an explanation with the first check that the second half was on its way - or having two checks in the same envelope would have been a good idea!
Either way, it's done now, and I am happy with the answers I got on the phone while we were in New Zealand as well as with the smoothness of the online claims procedure. I will buy from this company again.
Carlton K. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
cruise
AXA Assistance USA
Silver
This was a last minute purchase for a long planned trip. It was fast and easy. My wife wanted some protection for a long trip. This did it.
Thanks
Thanks
John B. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Crystal
AXA Assistance USA
Thank you for the kind review! We are delighted to know you’re happy with your purchase and had a trouble-free trip but were covered in the event the unexpected occurred. We look forward to providing travel protection for all of your future endeavors!Mar 25,2016
The trip included a
cruise
AXA Assistance USA
Silver
Best coverage for the price.
Paul L. would
recommend this plan to a friend or relative.
-
Crystal
AXA Assistance USA
Having trip coverage certainly helps you focus on the important things like enjoying the travel experience and destination.
We appreciate the opportunity to provide coverage for you and hope you will consider AXA Assistance USA for future travels.
Mar 08,2016
The trip included a
cruise
tour
AIG Travel
Travel Guard Basic
AIG made it easy to insure our trip, giving us peace of mind. Very reasonable compared with other plans.
Thomas Y. would
recommend this plan to a friend or relative.
The trip included a
cruise
InsureandGo
Global Silver
Plan did not include pre-existing conditions and it was expensive nonetheless! I would not recommend it. If I had known I couldn't get a plan covering pre-existing conditions because I had put down an initial deposit last May, I would not have made that initial deposit.
Mackay C. would not
recommend this plan to a friend or relative.
-
Carol
The InsureandGo Global Silver plan does offer the preexisting medical condition waiver but only if you purchase the policy within 14 days of your Initial Trip Payment. The premium for Comprehensive plans, which is based on the age of the travelers, trip cost per traveler, length of trip and sometimes destination, does not vary with or without the preexisting medical condition waiver. Some Comprehensive plans offer the waiver if you purchase the plan within 10, 14, 15, 21 or 30 days of your Initial Trip Payment. The number of days depends on the plan you select.
However, we now offer plans that will provide the waiver if you purchase the policy on or before the final payment. However, it would be unlikely for these plans to be less expensive that the plan that you purchased.Mar 04,2016
The trip included a
cruise
AXA Assistance USA
Gold
I didn't use my coverage, but the price was good for the coverage provided.
Craig D. would
recommend this plan to a friend or relative.
-
Crystal
AXA Assistance USA
Having that sense of peace of mind can really often be priceless. We look forward to providing travel protection for all of your future endeavors!Feb 17,2016 -
Crystal
AXA Assistance USA
Thank you for taking the time to provide a review of your purchase. We are delighted to know you’re happy with your purchase. Please think of AXA Assistance USA for any future travels and we hope to continue to provide you with a worry-free experience.Feb 17,2016
The trip included a
cruise
Generali Global Assistance
Standard
everything fine....
Paul S. would
recommend this plan to a friend or relative.
The trip included a
cruise
Arch RoamRight
Preferred
Never filed a claim. Considered plan adequate for meeting goals as a comprehensive plan, with desired emphasis on medical insurance. Cost compared favorably to several similar type plans.
Kevin L. would
recommend this plan to a friend or relative.