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
HTH Worldwide
Trip Protector Classic
Fortunately I did not have to use the plan so with that in mind, I would have to say it worked for me and I would probably use it again because it has, in my opinion, good coverage for the money.
Pamela D. would
recommend this plan to a friend or relative.
The trip included a
tour
John Hancock
Silver
The coverage was customized to our trip. I'm glad we didn't have to use it.
Santiago M. would
recommend this plan to a friend or relative.
The trip included a
tour
Global Alert!
Preferred
I have had this plan twice and will use it again.
Eric E. would
recommend this plan to a friend or relative.
The trip included a
tour
Generali Global Assistance
Standard
Having insurance worked. We all came home safe and sound!
Roberta R. would
recommend this plan to a friend or relative.
The trip included a
tour
C&F Travel Insured International
Worldwide Trip Protector Lite
Since I had no use for the insurance, these are really meaningless questions.
Carol B. would
recommend this plan to a friend or relative.
The trip included a
tour
InsureandGo
Global Silver
Fortunately, I did not have to use my insurance. So I cannot actually rate the customer service.
Jolynn L. would
recommend this plan to a friend or relative.
The trip included a
tour
AXA Assistance USA
Silver
To begin, when I tried to get the necessary form to file a claim, not only was AXA's phone system a mess, causing me delay after delay until I finally reached someone in Chicago who sent me a PDF that would not open, (and I have the newest version of Adobe Reader), and then that person was "not at her desk" immediately after she sent it - so after trying multiple times to reach her again, and her failed attempts to get me a document that WOULD open (she could not send a Word Doc), I had to have them send it snail mail. And that was just the beginning of my frustrations.
The reason I filed a claim was that when Delta changed our return flight to an earlier time, I was too far out in the country of Costa Rica to make the flight on time by scheduled means (van + ferry + van), so I bought a flight to get us to the airport a day early, and stayed in a hotel so we could make the flight home with Delta. AXA would not cover this under "Missed Connection" or Flight Delay" because it was not "a reactionary" event or "a defined Hazard".
I guess I should have missed the flight, stayed in Costa Rica another couple of days until Delta could reschedule us at $200 more each, and sent AXA the bill then. It would have been a lot more than what I wanted to be reimbursed for, but perhaps AXA would have had to pay me. On the other hand, they would have probably found some excuse not to.
I don't know what Insurance company would have covered my situation, or what policy, but it seems like buying insurance at all is just not worth it because of so many fine points they can find to NOT reimburse you. And the frustration of dealing with THIS company on the phone was extremely stressful.
When I buy travel insurance again, I will read the policy much more carefully and definitely not buy it from this company.
The reason I filed a claim was that when Delta changed our return flight to an earlier time, I was too far out in the country of Costa Rica to make the flight on time by scheduled means (van + ferry + van), so I bought a flight to get us to the airport a day early, and stayed in a hotel so we could make the flight home with Delta. AXA would not cover this under "Missed Connection" or Flight Delay" because it was not "a reactionary" event or "a defined Hazard".
I guess I should have missed the flight, stayed in Costa Rica another couple of days until Delta could reschedule us at $200 more each, and sent AXA the bill then. It would have been a lot more than what I wanted to be reimbursed for, but perhaps AXA would have had to pay me. On the other hand, they would have probably found some excuse not to.
I don't know what Insurance company would have covered my situation, or what policy, but it seems like buying insurance at all is just not worth it because of so many fine points they can find to NOT reimburse you. And the frustration of dealing with THIS company on the phone was extremely stressful.
When I buy travel insurance again, I will read the policy much more carefully and definitely not buy it from this company.
Michael R. would not
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Universal Cruise
It's difficult to review a plan that wasn't used. A true review would have come if a claim had been submitted. Luckily, that wasn't the case.
Dorothy C. would
recommend this plan to a friend or relative.
The trip included a
tour
Generali Global Assistance
Standard
We had to cancel our trip due to my spouse's sudden health issue. I submitted the proper materials to CSA.. Within severaolhours of my sending in the materials by fax, I received an email that my claim had been processed and that we would receive 100% of the requested reimbursement within 7 - 10 days. We received the check in one week. The follow-through and service was excellent. I highly recommend the CSA Company to you!
Daniel S. would
recommend this plan to a friend or relative.
7 of
8 people found this review helpful
The trip included a
tour
TravelSafe
Classic Plus
My trip was very uneventfull and I didn't need to use any part of the insurance plan. Just glad I had it if I had of needed to use it.
Shirley F. would
recommend this plan to a friend or relative.
Based on the explanation provided by AXA per your review, they are correct is saying that Travel Delay or Missed Connection requires you to experience the Hazard in order to receive coverage. In our experience, the large majority of travel insurance companies would work the same way.
In the future, we encourage you to call us at 800-487-4722 prior to purchasing a plan so that we can help you select a plan that best suits your needs and explain how the benefits apply.