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
C&F Travel Insured International
Worldwide Trip Protector
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.
Roger T. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
-
Megan
Please see the response from C&F Travel Insured:
"We thank you for your feedback and apologize for the frustrations you’ve had during your experience with our company. Our relationship with our customers is very important to us. If you’d like to discuss your situation further please contact us at [email protected] . "Sep 10,2020
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector
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.
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.
Anne C. would not
recommend this plan to a friend or relative.
-
Megan
Thank you for your feedback on the policy. We are sorry that you were dissatisfied with your claim experience, but we are glad to hear InsureMyTrip's advocate program was able to assist.
Sep 08,2020
The trip included a
cruise
Generali Global Assistance
Preferred
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.
Richard E. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
Zac
Thank you for your feedback. Generali Global Assistance has issued the following response:
"We're sorry to hear about the circumstances surrounding your experience, and for not meeting your expectations. Our goal is to provide a smooth and seamless experience for all of our customers, however, the claims process can take some time, as our regulatory laws require a number of reviews and required documentation. Under normal circumstance, the process can take up to 30 days, however, this timeline may be extended due to the current volume we are experiencing. As stated in our policy documents, our plans only reimburse for non-refundable, pre-paid trip costs if you need to cancel your trip for a covered reason. It is important that you review your Description of Coverage, which are available before and after your purchase. We take the claims process very seriously and want our customers to make informed choices when purchasing travel insurance."May 29,2020
AXA Assistance USA
Platinum
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.
Ryan A. would
recommend this plan to a friend or relative.
The trip included a
tour
Generali Global Assistance
Preferred
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.
sHARON B. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
Megan
Thank you for your feedback. The insurance provider, Generali Global Assistance, has issued the following response:
"We're sorry to hear about the circumstances surrounding your experience, and for not meeting your expectations. Our goal is to provide a smooth and seamless experience for all of our customers, however, the claims process can take some time, as our regulatory laws require a number of reviews and required documentation. Under normal circumstance, the process can take up to 30 days, however, this timeline may be extended due to the current volume we are experiencing. A dedicated team member will be reaching out to you soon to further assist you. Thank you for your continued patience."Aug 11,2020
AIG Travel
Travel Guard Gold
We filed a claim after our infant daughter became ill on the eve of travel and we had to cancel the trip. AIG covered our claim, which was for non refundable lodging and the airline cancellation fee. Overall I was satisfied with the experience. My only complaints were that it took 2.5 months for the claim to be processed- I’m guessing part of this delay was due to the COVID pandemic, though. The other issue was that I did not receive any communication about the claim until I received a check in the mail. I did periodically check their website, but it would have been nice to get an email once the claim was approved. Overall, though, it was a fine experience and I would use it again.
Petra H. would
recommend this plan to a friend or relative.
-
Antonia Pozarski
AIG Travel
We are sorry you had to cancel your trip, and we hope your daughter is doing better! Thank you for sharing your overall positive claim experience. However, I’m sorry to hear you were not entirely satisfied with the communication leading up to your paid claim. COVID-19 has resulted in historically high claim volume, but we continue to strive for exemplary service. We appreciate your feedback so we can do better! We hope you will be able to schedule another trip soon. Take care and stay safe.Sep 24,2020
The trip included a
tour
TripAssure
Advantage Complete
After much effort on our part, I finally got the claim paid. I had to get the efforts from Insure My Trip to intervene as well. Even after showing proof of the trip cancellation and that we could cancel for "Any Reason" TripAssure still gave me problems. After much pressure on them, they finally paid the policy required amount.
Todd S. would not
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
I waited until I submitted my claim on trip interruption part to see how it went. They came through and I received the amount claimed, after filing the proper information. I will also say I needed to contact them at least twice to make sure I understood what was needed for my claim and the agents I emailed and/called on phone were very helpful in aiding me to file properly. I appreciate all that was done, as I have never had to submit any claims on my many past trip coverages. Naturally I would recommend them after this proven positive experience.
Oh by the way, I needed to file this claim after I returned home around March 9-12 2020. Note that date - around the time the worldwide coved 19 just started to become an issue!!
So I was a bit stressed as I had returned home immediately after all this corona panademic began unfolding in the US.
NOTE: ALWAYS KEEP all records and receipts from the moment you plan an insure your trip until you arrive home, as you will need such records to submit along with your claim. Without proof you cannot expect reimbursement (obviously)
Oh by the way, I needed to file this claim after I returned home around March 9-12 2020. Note that date - around the time the worldwide coved 19 just started to become an issue!!
So I was a bit stressed as I had returned home immediately after all this corona panademic began unfolding in the US.
NOTE: ALWAYS KEEP all records and receipts from the moment you plan an insure your trip until you arrive home, as you will need such records to submit along with your claim. Without proof you cannot expect reimbursement (obviously)
Ralph M. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
John Hancock
Gold
Paid claim with ZERO hassle. Rough trip - lost Bose headphones between plane and baggage claim. Then arrived at YVR late due to flight delay. Had to take a cab and get a hotel room. Both claims paid with zero hassle. Impressive.
mark m. would
recommend this plan to a friend or relative.
10 of
16 people found this review helpful
The trip included a
tour
Nationwide Mutual Insurance
Essential
Due to my father's death we had to cancel a trip to Sweden and Denmark. Once we submitted all the paperwork (electronically), the claim was processed quickly and the payment sent. The amount we requested and substantiated was sent. We did take the time to provide a lot of documentation which probably helped make our claim an easy one to process. I would use Nationwide again for trip insurance.
Cynthia J. would
recommend this plan to a friend or relative.
We do want you and your fellow customers to be aware that InsureMyTrip offers a Customer Advocate Program. Customer Advocates are representatives assigned to assist customers who experience issues after filing a claim. Requesting a Customer Advocate is as simple as calling 877-612-3827 or emailing [email protected], explaining the events which resulted in a claim, and the challenges you are facing.