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
Generali Global Assistance
Standard
It gave me peace of mind to have this coverage while i vacationed in Italy.
Kathleen L. would
recommend this plan to a friend or relative.
The trip included a
tour
Berkshire Hathaway Travel Protection
ExactCare
Very displeased with your cancellation provisions. I have purchased another policy with you for a trip in November 2023. We will not be able to make the trip and have cancelled it. However, I can not cancel my trip insurance policy as more than 14 days have lapsed since I purchased it. So I threw away over $600. In addition, if you did not have that clause regarding coverage for pre-existing conditions mandating that I must purchase the insurance within a minimal period of time after sending in my deposit, I could have waited to purchase the trip insurance. So I lost out 2 ways-- not happy!!!!
Edna P. would
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
-
Brittany GBerkshire Hathaway Travel Protection
We are sorry to hear that you are not happy with the cancellation policy. We do thank you for your feedback, we appreciate it. If your trip is not until November, there is potential for you to still update a plan for a new trip if it went unutilized. For more information, please call our team at 844-411-2487 Option 2.Aug 29,2023
International Medical Group
iTravelInsured LX
Had to cancel our trip due to medical reasons. We received a partial settlement in two weeks for the land portion of the trip. Not bad! We were issued airline credits directly from the airline. However, we had purchased seat upgrades which were not reimbursed by Delta. Trying to get the last $189.98 from this insurance company was like pulling teeth, at best. Picture the most frustrating, mind-boggling experience you could have with a company. Don't expect to ever speak to a claims rep. CLAIM REPS DON'T TAKE PHONE CALLS! The CSRs who answer the phone are pleasant enough, but will put you on hold forever and then tell you they can't transfer you to anyone who is actually handling your claim. Are you kidding? Not only don't they take phone calls, apparently they never read their email or look at a claim file. They do, however, send the most ridiculous emails saying they need more information from you, or a provider, to process your claim but they don't say what they require. Who do you require it from? What? If you send them an email, you will get an automated reply.
Do yourself a favor and shave your head before you try to submit a claim to these people. It will be much less traumatic than pulling your hair out every time you have to deal with them.
Oh and by the way, I worked in Claims for many years, so I know what decent service is. This company does not have it.
Good luck if you have to actually argue an issue like a pre-existing condition or have a large dollar claim. I can't even imagine the runaround you will get.
I stopped counting after 12 phone calls and 14 emails. In the end, it took me just over 5 months to get the last lousy $189.
Also, side note....Saying a company has a 4.5 star rating is very misleading when most of the reviews say, "I'm so glad I didn't need to make a claim." How about having a separate rating for people who actually did make a claim???!!! Sorry, if that exists somewhere, but I didn't find it.
Do yourself a favor and shave your head before you try to submit a claim to these people. It will be much less traumatic than pulling your hair out every time you have to deal with them.
Oh and by the way, I worked in Claims for many years, so I know what decent service is. This company does not have it.
Good luck if you have to actually argue an issue like a pre-existing condition or have a large dollar claim. I can't even imagine the runaround you will get.
I stopped counting after 12 phone calls and 14 emails. In the end, it took me just over 5 months to get the last lousy $189.
Also, side note....Saying a company has a 4.5 star rating is very misleading when most of the reviews say, "I'm so glad I didn't need to make a claim." How about having a separate rating for people who actually did make a claim???!!! Sorry, if that exists somewhere, but I didn't find it.
Amy E. would not
recommend this plan to a friend or relative.
7 of
7 people found this review helpful
International Medical Group
iTravelInsured SE
Luckily we did not need to use the plan but it gave my wife and I peace of mind knowing it was there if unfortunately something happened to us while overseas.
John K. would
recommend this plan to a friend or relative.
International Medical Group
iTravelInsured SE
We notified IMG immediately and then filed our claim promptly, a month after our trip was cancelled because of my mom's death. Three weeks after filing all documents requested, through their secure portal, I called and was told they had never received any documents. A week after I sent them a copy of the receipt confirm they had sent me when I filed, they "found" the documents. Another three week pause before they requested additional info that they had not initially asked for. Another three weeks (always with me needing to initiate the follow up) and they said the claim from a hotel was not valid because they did not charge me until we had cancelled (which their website, which I had sent a link to, clearly stated was how they would handle charges and cancellations). Another three weeks and they said that even though I had provided proof that our train ticket was non-cancellable / non-refundable, I needed to prove that I had cancelled it and did not get a credit. It was not until I wrote a letter stating that I no longer felt that I was being dealt with in good faith, that three plus months after I submitted our claims, and lots of hassle, they paid the claim. This has caused me to seriously question whether trip insurance is really worth what it costs when you factor in all the work and hassle to file a claim. P.S. If a company is always experiencing "heavier than usual call volumes" is it really heavier than usual?
Martin R. would not
recommend this plan to a friend or relative.
11 of
11 people found this review helpful
The trip included a
tour
International Medical Group
iTravelInsured SE
We didn't need to use it, but we thought we would. Our call went right through from overseas and information was prompt and reassuring
Tim H. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
C&F Travel Insured International
Worldwide Trip Protector
Fortunately, I did not need to file a claim with this trip. I did have a claim with C&F for a trip earlier this year to Greece, and they handled it well after a five month wait. They were overloaded with Covid claims, so it was delayed, but I have no complaints. I will continue to purchase their policies.
Anna L. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector
In attempting to file a complex claim for several flight and port cancelations on a lengthy air/land/sea trip, I found that a.) The online claim software is inadequate to handle multiple issues, and b.) customer service is slow to respond to inquiries and requests other than an automated acknowledgement.
I called for assistance and was summarily dismissed/declined without any review of gathered, supporting documentation. Long cruise. One canceled flight. 4 missed ports (due to weather and port employee strikes), associated inconveniences.
Apparently, inasmuch as I didn't suffer any financial losses (flight replaced, no excursion cost losses incurred, etc.), I was denied. The contract/agreement wording could stand a review and rewrite for improved clarity.
My reading and understanding of the contract differs considerably from that of the insurer. I can find no appeal mechanism.
At least humor me by requesting/reviewing what I prepared but can't be uploaded on the company website. The software isn't programmed to handle concurrent claims.
I called for assistance and was summarily dismissed/declined without any review of gathered, supporting documentation. Long cruise. One canceled flight. 4 missed ports (due to weather and port employee strikes), associated inconveniences.
Apparently, inasmuch as I didn't suffer any financial losses (flight replaced, no excursion cost losses incurred, etc.), I was denied. The contract/agreement wording could stand a review and rewrite for improved clarity.
My reading and understanding of the contract differs considerably from that of the insurer. I can find no appeal mechanism.
At least humor me by requesting/reviewing what I prepared but can't be uploaded on the company website. The software isn't programmed to handle concurrent claims.
Robert R. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
C&F Travel Insured International
Worldwide Trip Protector
Once I finally collected on my claim, I was very satisfied. I was fully covered. The problem was, it took 4 months to finally collect. I filed a claim in July. Telephone wait times were totally unacceptable. Once I was literally on hold for 6 1/2 hours. When I finally talked to someone in August, I was told they were working on claims from April. I called again in Sept. and was again told they were working on claims from April. Finally, before I could call again, I got an email that said my claim had been processed. I received exactly what I expected. In the end, I was very glad I bought the insurance.
Barry W. would
recommend this plan to a friend or relative.
5 of
5 people found this review helpful
The trip included a
cruise
tour
Generali Global Assistance
Preferred
Filled my needs
William S. would
recommend this plan to a friend or relative.