Travel Insurance Reviews Comprehensive Plans

The claim was for Trip cancellation due to illness.

The good part is that they spotted an inconsistency in the Doctor's Report and, instead of just denying the claim, they sent a clarification email with a form for the doctor to fill out. Once this form was returned to them, they paid promptly and fairly. So they actually care about their customers.

The bad part is that it took them 10 weeks just to look at the claim after I filed it. And most of that was before the Pandemic.

So expect to be treated fairly, but don't expect fast service.

The check still did not come in.

Update: After waiting for nearly two months I was contacted by email saying they've now processed our claims and the checks are in the mail.They are covering the portions of the trip that we insured and reasonable coverage was provided; however, the customer service was non existent and super slow to respond. ***Submitted a claim for Coronavirus ( Cancel for any reason). No response, never contacted by an adjuster. Can’t reach anyone in claims. I’m sure they’re swamped with claims but it’s been almost a week with zero contact. I wouldn’t purchase this policy or work with TravelEx in the future. Poor customer service.

My claim experience with this company has been one of the worst experiences ever. To make a long story short, after receiving a partial check for my claim, I tried to invoke the appeals procedure as contained in the policy. I called, emailed, and wrote numerous times. I was completely ignored. I never received a reply to any request. I wrote requesting a formal appeal and never received a reply. I contacted insuremytrip,com and they were of no help. I would not recommend using this company.

I purchased travel insurance for a plane ticket. When the program was canceled and my daughter had to return home, we had to purchase another flight home. After waiting 9 weeks for the claim to be processed, we were denied, saying that it was not a "covered reason". Why did I buy insurance if the trip cancellation has so many loopholes that it won't pay? I will NEVER buy insurance from you again and I travel quite a bit. Furthermore, I will review you negatively on every site I can find....and tell everyone I know NOT to use you.

Revised review: I don't judge an organization on whether or not a mistake is made, I judge it on how it responds to its own mistake. My experience was that this company would not "make right" its own mistake (after weeks of phone calls) until I wrote an appeal and until InsureMyTrip got involved to advocate for me. Then finally I got the money expected. Details ...

I bought this policy with an optional upgrade. After Lufthansa damaged a piece of our Rimowa luggage I called TI International to verify the benefits available to me under my plan and was told over the phone that our coverage for one piece of luggage would be up to $500. So I went through the process of filing a claim with Lufthansa and getting a repair estimate with Rimowa. I accepted Lufthansa's offer of $150 because I knew that I had $500 of coverage with this trip insurance. So when Rimowa told me it would cost about $680 to replace the luggage (our's was not fixable) I didn't worry.

After filing the claim with TI International, I find out that they would only send a check for $250. I called them, certain this was an error, but apparently our plan only covered $250 for a piece of luggage. I take good notes and pointed out that their own representative verified we were covered for $500, and was told management will review the audio of the phone call. Management did review the phone call and did admit that indeed their representative told me the bag was covered for $500, but since I didn't purchase the policy based on false information they would only be paying me $250. They gave an example of if I had lost luggage and called to find out what our coverage was to buy clothes, etc. on our trip and was given the wrong coverage number and then spent money based on that incorrect number, they'd cover that. After telling them that indeed I did base a financial decision based on the wrong coverage number, i.e. I accepted Lufthansa's $150 offer because I knew I had $500 coming to replace the bag, their response was I could go back to Lufthansa and try to get more!!! I do not see how this is different from the example they provided of someone spending more on clothes because they were told an incorrect coverage amount over the phone.

After many phone calls they admitted several times that their representative gave me the wrong coverage information and said they made sure to correct her for future interactions. They apologized. But they would not financially stand behind their clear and verified mistake and sent me just $250. They even suggested I should have known what the coverage was by reading their long form coverage document, but I pointed out that their own employee who works with this all day did not know what the coverage amount was!

I wrote an appeal to TI International, wrote my original review here, and InsureMyTrip got involved to advocate for me (appreciated). Then TI International left me a voicemail apologizing and sent me a check for the other $250.

File a claim when cruise cancelled, no response for over a month. Emailed and quickly told not covered due to virus not being a covered reason. I think they could be a little more understanding in this time.

We had to cancel our trip after being diagnosed with Influenza in March 2020. I was concerned that our claim would be seriously delayed due to the number of COVID-19 claims, but was pleased to receive a check in the mail for the full amount within three weeks of submitting our claim. Just purchased a policy from the same company for our rescheduled trip in October.

We filed a claim on 3/21/20. My husband hurt his back and was not able to travel to Chile as planned. We got an email on 3/30/20 that we would get another email when our claim person was assigned. We haven't heard anything since. We tried calling and you get an answering machine. I realize they have a lot of claims due to Covid but ours isn't and it is 6 weeks and they said they would respond in 30 days. We are very disappointed. We have bought trip insurance for years and this is the first time we had to use it.