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Travel Insurance Reviews Crum & Forster - Travel Insured International

Founded in 1994 and based in Connecticut, Crum & Forster - Travel Insured International focuses exclusively on travel insurance and provides the most useful types of coverage and the most specialized level of service. Crum & Forster - Travel Insured International is committed to providing dependable coverage, great value, and end-to-end satisfaction.

Learn more about Crum & Forster - Travel Insured International.

Customers rated C&F Travel Insured International
4.58 out of 5
7,145
ratings and reviews
97%
recommended
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Cruise
Filed claim
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.
Anne C. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Megan
    Photo
    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
tour
C&F Travel Insured International Worldwide Trip Protector Lite
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!
Floyd S. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
cruise
tour
C&F Travel Insured International Worldwide Trip Protector Lite
Everyone should travel with this insurance. We had problems with a very uncooperative airline. But these people took care of things. Thank you!
Rodger D. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Empty Comment
C&F Travel Insured International Worldwide Trip Protector Lite
Good Coverage for a reasonable price. I did not have to file a claim but based on other people reviews, the process seems to be easy and they seem to be very responsible.
Will use again.
mario m. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
C&F Travel Insured International Worldwide Trip Protector
I am very disappointed with C&F Travel Insured International. I fractured my ankle while on vacation, an unstable bimalleolar ankle fracture that needed surgery, but when I contacted them for assistance to return home early I was told I would have to cover the cost (between $6,000-$11,000) and then their medical professionals would determine if it was considered an emergency to them thereby qualifying for reimbursement. Unfortunately they would not or could not tell me if it was an emergency to them until after I was home.
As I opted not to chance the added expense of the high prices to come home early, (risking delayed surgery), I attempted to make the best of it by renting a wheelchair to be pushed around town. However, again I was told it was not covered unless I had a doctor's prescription. Unfortunately at that point I had moved on with our itinerary and was no longer in contact with the Emergency Room Physician.
Of course, it goes without saying that the taxi from the Emergency Room to hotel, the taxi to go one block from hotel to a scheduled shuttle, and the taxi to get the wheelchair delivered wasn't even considered.
I truly feel I was in a bait and switch situation with the airfare (my own airline to get home early was $3000 with my own search) and C&F Travel Insured would do anything not to pay out in assisting me during a personal crisis.
Keith W. would not recommend this plan to a friend or relative.
3 of 4 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Zac
    Photo
    Thank you for your review. The insurance provider has issued the following response:

    "Thank you for your feedback. We strive for customer experience excellence. Our apologizes for the frustrations you’ve experienced during your travels and throughout your Travel Insured International journey. One of our customer care representatives would be happy to discuss any concerns you have. Please reach out to [email protected] We appreciate your patience."
    May 27,2020
The trip included a
cruise
tour
C&F Travel Insured International Worldwide Trip Protector Lite
I had to file a claim when AA canceled my flight a few hours before my trip. I contacted C&F Travel Insured, and after my cruise l sent in the paperwork needed. It took about a month, but I received a call today stating l would have a check in about a week. Amid the COVID-19 outbreak, l think that is a wonderful turn around. Thank you!
Mary B. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
tour
C&F Travel Insured International Worldwide Trip Protector Lite
Fortunately no lost baggage...no delayed flights or anything of the sort.Very lucky trip under the current conditions.
It was a peace of mind being insured.
Thank you for your service.
KATHARINE K. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
C&F Travel Insured International Worldwide Trip Protector Plus
SAVE YOUR MONEY...Due to the Coronavirus, we were told to purchase the extra coverage for Cancel for No Reason. We had to head home early from our trip to Cartagena, Columbia due to different reasons within our group of 8. IE:
-The couple paying for the villa had to leave due to a babysitter issue at home
- I started with a horrible headache, chills, sore throat, ear ache (visited doctor same day I got back and was diagnosed with flu, strep throat and an ear infection)
-airlines that 4 of the people in our group were booked with started cancelling all flts
-we couldn't get a hold of our airline
-owner of the villa we were staying "recommended we leave" as she couldn't guarantee she could keep it staffed
-another member of our group re injured a previous injury/surgery to her hamstring and was immobile.

Thus being said, the insurance is claiming this is all Coronavirus issues and will not honor any of the contract including Trip Interruption.
I ALSO WANT TO POINT OUT THAT WE WE UNABLE TO REACH INSUREOURTRIP BEFORE MAKING THE DECISION TO LEAVE AND FOR 5 DAYS AFTER OUR RETURN
debra b. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Megan
    Photo
    Thank you for your feedback.

    We are sorry to hear you had trouble getting in touch with us and that your trip was interrupted. Our call volume in March topped out around 200%. We would also like to advise that when on a trip needing assistance, you will want to call the provider's 24 hour assistance line. As brokers we will not be able to assist you in this situation.

    Please see the response from C&F Travel Insured regarding your review:

    "Thank you for your feedback. Our apologizes for the frustrations you’ve experienced. Call volumes are very high, but every customer experience is important to us. We appreciate your patience."
    Nov 06,2020
C&F Travel Insured International Worldwide Trip Protector Lite
We missed our scheduled connection at CDG by 8 minutes. As a result, our flight to NAP was delayed 12 hours. We filed a modest claim along with required supporting documentation for the extra costs (~$150) we incurred due to the long delay and our full claim was paid within thirty days of submission. While the insurance contract contains many limitations and exceptions, and the supporting claim documentation required was not insignificant, we would recommend this travel insurance company based on our positive experience. They are a reputable business.
Scott S. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
cruise
tour
C&F Travel Insured International Worldwide Trip Protector
Thank heavens we didn't need the plan, although with the coronavirus pandemic happening during our trip, we were very happy to have the insurance.
Deborah M. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
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