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
International Medical Group
iTravelInsured SE
So happy everything went well, I did not need to use the plan.
DELIA P. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Generali Global Assistance
Standard
Claim process was quick and easy, I just had to upload some documents. No complicated claim forms!
Lawrence R. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
tour
Generali Global Assistance
Standard
Fortunately we did not need it, but peace of mind was knowing we had it.
Philip G. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Universal Cruise
Thank God I didn't have to use the insurance but felt comfortable knowing that I had coverage.
Velma F. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Universal Cruise
Our first Viking cruise got cancelled by Viking and when we booked a second cruise nationwide insured it at no cost to us terrific policy I have recommended it to people already
Elizabeth B. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Generali Global Assistance
Standard
About half way through my trip I became very ill and considered leaving. I recovered enough to continue but the peace of mind the policy gave me was calming.
Thanks
Thanks
Mitchell T. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
PLEASE BE AWARE. If you need to cancel your trip for an uncovered reason, no matter how far in advance you cancel, the policy, though unused, is completely nonrefundable. We paid over $500 for insurance and had to cancel our trip (for an uncovered reason) 5 months in advance and yet when we contacted customer service were informed no refund of any kind would be considered and the credit policy was worthless because we booked so far in advance. The policy has to be re-used for another trip within a year of the PURCHASE date. Because we booked so far in advance (10 months) there was no way for us to re-use this policy. We should at least be able to re-use this policy within one year of the trip date. Very disappointed. Even the airlines provided a partial refund of our non-refundable tickets (not expected but very much appreciated). Perhaps other company's have a more customer service friendly policy. We will be reading the fine print more closely and purchasing travel insurance closer to our trip date.
Gregory P. would not
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
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GregoryP
Yes your policy was explained when I called. Our trip was scheduled for June 2018 but the policy had to be used by Aug 2018 our purchase date. We're unable to rebook within that timeframe so the credit is wortless. Had we had a year from the trip date (June 2018) it would have value. Hopefully others can benefit from our experience.Jun 01,2019
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The trip included a
cruise
tour
Generali Global Assistance
Preferred
I did not need to file a claim which is always a good thing.
The only negative is the price of insurance plans.
The only negative is the price of insurance plans.
Darlene S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Generali Global Assistance
Preferred
The escalation of cost for these policies due solely to age is understandable, but the steepness of that escalation should be modified for those clients such as myself who are on no medications because despite their age they are in good health. I know you can't simply accept my word on that fact, but it would be nice if a way to communicate that information in a form that would not force you to simply accept my word.
Edward M. would
recommend this plan to a friend or relative.
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Carol
Thank you for your comments.
Comprehensive plan premiums are generally based on trip cost, age of travelers and length of trip. It is possible that what you are seeing as a significant increase to rates as the result of age may also be due to a higher trip cost and longer length of trip.
Although the travel industry is well aware that there are many travelers who may be healthier than others, it is a determination that cannot be made exclusively by purchasing a policy through an online website. That would most likely require prior medical testing which would be an expense that would probably increase your rates.
Please keep in mind that we offer a wide selection of Comprehensive plans. Our licensed insurance experts are always happy to explain any part of the policy. We are available by phone at 800-487-4722 or by chat 7 days a week.May 10,2019
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Good value
Leon P. would
recommend this plan to a friend or relative.
When you purchased your Essential policy, Nationwide Mutual did include a 10 Day Review Period:
"All premium is non-refundable after a 10 day review period. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due."
Since you canceled your trip for an uncovered reason back on 01/10/2019, you were well outside the 10 day review period so there would be no refund of your premium.
However, as we advised you back on 01/10/2019, you could have used this policy for another trip as long and the new trip occurred prior to 08/10/2019 since Nationwide policies require that your departure date must be within 365 days of your original policy purchase date of 08/15/2018.
Please call us at 800-487-4722 if you did schedule a new trip so that we can discuss changing the travel dates on this policy.