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
Nationwide Mutual Insurance
Choice Cruise
We had to cancel our trip a month out due to a serious fall on my behalf. This caused a post concussion. Cruising with a concussion is not recommended! The process from start to check in hand took about 5 weeks. I had to mail in my forms because I could not upload the docs from home, which most likely caused a delay in the processing.
All in all the process was fairly easy. I was required to send in a lot of documentation, so KEEP EVERYTHING!!
The end result was we were paid back what the cruise line charged us as a penalty.
All in all the process was fairly easy. I was required to send in a lot of documentation, so KEEP EVERYTHING!!
The end result was we were paid back what the cruise line charged us as a penalty.
Colleen D. would
recommend this plan to a friend or relative.
Generali Global Assistance
Standard
Customer service rep worked with me to ensure that I got the coverage that I wanted for the best price
Jacqueline M. would
recommend this plan to a friend or relative.
C&F Travel Insured International
Worldwide Trip Protector Plus
Great plan to have when you travel!
Michael Ray P. would
recommend this plan to a friend or relative.
The trip included a
cruise
Generali Global Assistance
Standard
I didn't get to use it, thank goodness but I was able to insure my trip the same week the cruise was leaving so that was reassuring and the gentleman that helped me was very knowledgeable and extremely helpful.
Roger M. would
recommend this plan to a friend or relative.
The trip included a
cruise
Generali Global Assistance
Standard
I continue to be satisfied with the specified coverage and prices of CSA Travel Protection. I have not needed to file a claim and cannot rate satisfaction in that area.
Thane C. would
recommend this plan to a friend or relative.
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector
Our cruise to the Turks and Cacaios was cancelled due to Matthew. The cruise line went to Canada instead. We were given the option to cancel with a full refund. Which is what we did. I called the insurance company to see if we could get our money back since we didnt even take the trip due to no fault of our own. The answer was no. Friends that were going with us got a full refund of their insurance policy with another company. I will be going with the other company on future trips.
Alaine H. would not
recommend this plan to a friend or relative.
C&F Travel Insured International
Worldwide Trip Protector
I thought I had purchased a "Cancel for any Reason" package. Because I have a daughter that gets sick a lot, and other various concerns, I needed that package. The day of our trip, a hurricane watch went into effect in NY where we had a plane transfer. After unsuccessfully searching for other options as a transfer point, I cancelled the trip. Later I learned that I did NOT have "Cancel for any Reason" coverage. We scrambled to reschedule our trip for the next day. The coverage did nothing for me.
Sonya T. would not
recommend this plan to a friend or relative.
The trip included a
cruise
Arch RoamRight
Preferred
Too expensive. Didn't use it so I have no opinion on the service
Marc P. would
recommend this plan to a friend or relative.
1 of
4 people found this review helpful
The trip included a
tour
AIG Travel
Travel Guard Silver
A solid and relaible travel insurance company
Michael B. would
recommend this plan to a friend or relative.
TravelSafe
Classic
Fortunately did not utilize this insurance. I thought the cost was reasonable for family of 5 to Caribbean for a week. Covered primary medical, air evacuation, and the usual trip insurance items.
Steven F. would
recommend this plan to a friend or relative.
CFAR is an optional coverage available in some plans. As you found out when you tried to report your claim, your C&F Travel Insured Worldwide Trip Protector did not include CFAR. In order to have that coverage through C&F Travel Insured, you would have had to purchase the C&F Travel Insured Worldwide Trip Protector Plus plan at a higher premium. Generally CFAR increases a policy premium from 45% to 55% depending on the plan.
Unfortunately many travelers purchasing travel insurance believe that Trip Cancellation, which allows you to cancel your trip prior to departure, is synonymous with CFAR. Trip Cancellation, which is available in only Comprehensive Coverage plans, allows you to cancel a trip for a "covered reason" as listed in each plan. These covered reasons may vary between plans and states so it is always best to review those covered reasons. Of course, the number one and two covered reasons in Comprehensive plans are usually the unexpected sickness, accidental injury or death of you, your traveling companion, and family member. However, CFAR would have allowed you to cancel your trip for "other than a covered reason".
We welcome you to call us when quoting for our assistance. We would be very happy to review your options along with the conditions of coverage.