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
AXA Assistance USA
Platinum
Easy process
Peter C. would
recommend this plan to a friend or relative.
-
CrystalAXA Assistance USA
Thank you for your feedback. We are happy to hear you 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 24,2017
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Thankfully we didn't have to use it, but I feel comfortable knowing it was there.
Ann C. would
recommend this plan to a friend or relative.
The trip included a
cruise
InsureandGo
Global Silver
Price was good but fortunately did not have to use.
Ronald H. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
cruise
InsureandGo
Global Silver
I had my 80 birthday on our cruise and at that age you never know what can happen regarding your health. We had the best plan for us just in case, but we thankfully we did not have to use it. We felt better safe than sorry. We were on a cruise with someone who did not have insurance and he had a heart attack and had to be taken off the ship near Puerto Rico and it wound up costing them a lot of money. Thankfully he survived.
Gerard M. would
recommend this plan to a friend or relative.
TravelSafe
Classic
On the return trip my luggage did not arrive at my final destination. The airline said it was delayed and would be delivered to my home within 24 hours. When that did not happen and I could not get any info from the airline on my luggage, I called TravelSafe Customer Service for assistance.Customer Service number got me the Claims Dept. The employee was nice but told me they could not help me unless the luggage went missing during the trip. Once I was at the originating airport,they were unable to help even though they had a company that specialized in locating missing bags.Only advice was wait a few days and if it is not located,file a claim. My luggage was located and returned to me therefore no claim was needed. It was disappointing that TravelSafe had the ability to help locate the luggage but would not use it since I had returned home yet my luggage had not.
Otis S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Generali Global Assistance
Standard
HORRIBLE EXPERIENCE! Our dealings with CSA were handled professionally and courteously until we filed a claim, which was a nightmare. I took the comprehensive policy which included benefits for covered illnesses, including family member illnesses. There was trip cancellation coverage if a covered illness claim was made prior to my departure from home, and trip interruption coverage for covered illnesses after my departure from home. My husband was diagnosed with a urinary tract infection prior to my departure from home. His symptoms worsened after my departure, requiring that he visit an emergency room. At that visit, he was diagnosed with bladder cancer, had emergency cancer surgery, and was hospitalized. I was in Miami, ready to depart on a cruise the next day, so I had to cancel the cruise and return home. I filed a trip interruption claim with CSA, and was shocked when it was denied. They cited a clause in the coverage, "The Sickness or Injury must first commence while your coverage is in effect under the Policy". They denied coverage due to my husband's diagnosis for a urinary tract infection prior to my departure, stating that it was when the bladder cancer treatment commenced. I offered to have my Urologist clarify his medical statement to indicate that there was no cancer testing, diagnosis, or treatment until after my departure from home, but they refused. Even though I had not yet departed on the cruise, it was not covered under the trip cancellation benefit because I had already departed from home. I told them that they were trying to avoid paying the claim based on a fine print technicality in the contract that was unreasonable. The claims representative very rudely said that I should have read the contract before I signed it. I asked that he take it to his supervisor, who also denied the claim. I appealed in twice and was denied. I then requested that InsureMyTrip.com assign an advocate to the case. CSA refused to cooperate with the advocate, citing privacy of medical information. They did not offer to have us sign a medical release to allow the advocate to talk to them. My husband then sent his own release for them to talk to the advocate, along with our third appeal and an updated medical statement from his Urologist. After going through 3 claims adjusters, CSA finally backed down and paid the claim without talking to our assigned advocate. We were very upset at how unprofessional CSA was in handling our claim. They have lost us as a customer, and we recommend that others look elsewhere for their trip insurance needs. InsureMyTrip was excellent... our problem was with CSA. I have been in Customer Service Management for 36 years, and was shocked at the poor level of customer service provided by CSA. My travel companion bought her policy from another company on InsureMyTrip.com, and had her claim paid promptly with no hassle whatsoever.
Kay L. would not
recommend this plan to a friend or relative.
-
Carol
Thank you for reaching out to your fellow travelers to share your experience. We certainly want to be accessible to our customers and provide support even it the insurance company determines that coverage does not apply to a particular situation.
We do not know the details of your claim since access to the medical records was restricted by HIPAA laws. However, it does appear that what you considered a "worsening of his condition" was originally determined to be ongoing treatment for a condition diagnosed prior to departure. Although the condition was first diagnosed as a urinary tract infection, if that same condition later caused you to interrupt your trip to return home early, there would have been no coverage. Fortunately you were able to provide CSA with additional medical documentation to enable them to pay your claim.
We will share your feedback with your fellow travelers hoping that your unfortunate experience will provide a better understanding of policy terms and conditions. We also invite you to call us for further discussion.Sep 20,2016 -
Deborah
Generali Global Assistance
Thank you for your feedback. We’re very sorry to hear about the circumstances surrounding your claim. We take reviewing and responding to claims very seriously and strive to provide prompt, fair and professional claims processing for all of our customers. The physician statement initially provided with your claim indicated the cancer was diagnosed prior to your trip departure and this resulted in your claim’s initial denial. After ordering medical records, we were able to see this was not the case. We did receive an email from your husband informing us that he was authorizing us to speak with your IMT advocate. Unfortunately we were unable to do so without a signed HIPPA form. We again apologize for your negative experience. If you have any additional questions or concerns please feel free to call us at (800) 348-9505 or via email at [email protected].Sep 20,2016
The trip included a
cruise
AIG Travel
Travel Guard Silver
Didn't have to use it (which is a good thing!) but I'm sure they would have given me 5 star service had I used it!
Kayleigh B. would
recommend this plan to a friend or relative.
The trip included a
cruise
AIG Travel
Travel Guard Platinum
The cost was very expensive relative to the coverage amounts.
Leslie H. would not
recommend this plan to a friend or relative.
-
Zac
Thank you for your feedback on the policy. AIG Travel Guard has issued the following response:
"Travel insurance plan costs are based upon type of trip, amount spent on the entire trip and the customer’s age and plan prices may vary greatly depending upon these factors. We also offer various types of plans with different types of coverage. Our representatives are happy to work with our customers to find the type of plan and coverage needs that works for the customer and the type of trip they are going on."Apr 08,2016
The trip included a
cruise
Nationwide Mutual Insurance
Essential
It was good to have peace of mind knowing if something happened, we had protection.
Dale W. would
recommend this plan to a friend or relative.
The trip included a
cruise
Arch RoamRight
Preferred
We bought the optional Cancel for Any Reason coverage and I'm glad we did because we ended up having to cancel our trip. I filed a claim and had the checks in my hands about a week and a half later. Very easy. I will use RoamRight again for all my trips.
Denise K. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful