Travel Insurance Reviews Crum & Forster - Travel Insured International

I purchased this plan in November 2019 for the entire cost of my trip. On February 20 I filed a claim on line because no one would ever pick up the phone. I stayed on line for hours. During this time I was very persistent and continued to follow up with trying to get refunds from the carriers and all vendors, was able to receive refunds on my own. However, some companies would not refund any money. I continued to try and contact C&F thru emails and by telephone and one day actually got someone on the phone who claimed to to be a supervisor. Went over everything with her and she required additional documents of which I had previously sent multiple times. I waited months for any answer. I emailed and called this person and it always went to voice mail. I left lots of messages and never received even one response.

I finally reached out to NYS Dept of Finance who licensed this company. Within days of filing a claim with the state the were sending me my settlement.
It took filing a claim t with NYS to get a refund. Too bad that they do not send you a breakdown because they did not send the entire amount. Need to threaten to go back to state until they paid in full.
Will never use this company again.

They have dragged their feet from the beginning of the claims process. I know it's COVID but my trip was in mid March, I didn't get to take it. I filed my claim in March. It's July. Still no refund for my cancel for any reason plan. Now they've pawned me off on the airline to try to get my own refund. I am thoroughly disappointed. Not sure why I even paid them for the policy if i have to do all the leg work myself. They have been fighting me every step of the way. Making me resubmit paperwork more than once. Telling me i was being "escalated" to a faster service and it's gets slower and more round about as it goes. I think they're hoping I give up on my money but I absolutely resuse. I want my money back. I'll NEVER EVER use them again and I don't recommend them to anyone else.

Took nine months to get the claim settled with constant requests for additional medical documentation. I had a total knee replacement. Heard nothing from C&F from January thru May.
The real result came after an Insure My Trip customer advocate assisted me in getting C & F to respond to my claim. Within 3 weeks I had my claim settled. Thank you IMT for the great service.

I filed a claim for a cancel for any reason trip to Italy February 28th, 2020. We realize this has been a difficult time with covid 19. Customer service didn't return phone calls several times. Emails have been sent repeatedly because they couldn't find files or mishandled files and requested them again. Even complaining to insuremytrip.com provided no help. My husband said don't buy travel insurance because it's a joke. I guess he was right! We will never use this insurance company again.
Update 6/9/20. Waited 3+ hours for an answer to my call to Travelinsured. The customer service representative told us they are no longer taking call back numbers. The representative, Debbie told us maybe in July we might get an answer from an analyst. We can’t have a contact number or email for the analyst. When we asked to talk to a supervisor, she refused! Twice! We would like to see our review posted so others will be able to purchase travel insurance that delivers what they promise. It’s not from this company!

I filed my claim on 2/25/20 and turned in all requested documents on 3/19/20.
I didn't receive any updates on the status of my claim until 5/14/20 when it was updated on the claim status website. I had sent emails and tried calling (without success since there was a 2 hours waiting time, and I left my call back number when requested, but no one would call back) several times.
Little disappointed about how long it took to process the claim. More than that, that I didn't receive updates during this time.

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.

After waiting over 40 days for this company to honor my claim I had to contact Insure My Trip. Within 4 days, this company reviewed and paid my claim. I sent EVERYTHING to this company on February 20th including all medical records, emergency room records, and all of the documents they required along with letters from my physician and travel agent. They had ALL the documentation they needed on February 20th, and I finally received a check on April 10th ONLY after contacting Insure My Trip. I would not use this company again!

Everyone should travel with this insurance. We had problems with a very uncooperative airline. But these people took care of things. Thank you!