Travel Insurance Reviews Crum & Forster - Travel Insured International Worldwide Trip Protector Plus

Please read!! Our Ireland trip was planned for April 2020 but obviously Covid got in the way. At that time, if I cancelled we would have received back 100% since the policy was purchased pre-Covid. We still hoped to travel to Ireland so I asked about moving the trip to a later date instead of making a claim but wanted to be sure my coverage would stay the same. I was told I could move it with the same coverage. I kept the policy instead of making a claim and in January 2021 I moved the travel dates to July 14-25 which seemed reasonable for the Ireland to open for travel.

On May 31, I was informed by our tour company that Ireland wouldn't open to US travelers until July 19. We were landing on July 15 so we would miss it by 4 days. I tried to change our dates but was unable. On June 29, I cancelled with our tour company. Two weeks notice seemed like a fair amount of time to give notice to a small family owned tour company. July 19 was a government set date that I had no way to get around.

I contacted C&F in late July to let them know I was submitting a claim. They promptly sent me an email with a list of documentation required to support the claim. I provided everything. I only claimed the tour company deposit which was $1466 of a $6100 policy. Our plan was to use the flight credits in the future.

In late August I received a call from a C&F agent stating that I had been approved for reimbursement but for only 75% for Cancel for Any Reason. I asked why I wasn't getting 100% since it was a pre-Covid policy and was told that based on her "research" I was actually able to get into Ireland starting on January 26, 2021 which she had read on the US Embassy for Ireland's website. I explained that January 26 couldn't be possible because it didn't open until July 19. I was told to provide documentation and/or website links to prove that date.

Within a few hours, I provided the supporting links including one directly from the US Embassy for Ireland's website which states that non-essential US travelers were not allowed in until July 19, 2021 without quarantining for 2 weeks. I did not point out that in all her "research" she failed to notice that the January 26 date was for travelers coming INTO the United States not into Ireland. I assume it was an honest mistake but simple internet research supported the July 19 date that I indicated on my claim.

This morning I received a call that my appeal was denied. I'll still only receive 75% CFR because I did not provide proof that we couldn't enter Ireland on June 29 (the day I cancelled). Ireland has been closed since Covid started which they no doubt know. So I provided proof that it didn't reopen its borders until July 19 BUT they want to me prove that I couldn't enter 20 days earlier (when I cancelled). No joke. Sure sounds like a shell game to avoid paying the additional 25%.

I realize it's only 25% but its about principle now so I'm having InsureMyTrip mediate. I'll update my review when this resolved.

In the end the plan paid what I hoped it would but the turnaround time was awful. And if I had gotten email in the meantime checking in, it wouldn't have been so bad. But I heard nothing and I wasn't sure if they had gotten my claim or not..

Because of Covid we purchased Cancel for any reason plan. We used a credit given by the people we rented from the year before to pay for the trip. Once we agreed on a date I purchased the insurance to cover if things were still bad. We had to cancel because of Covid and my Husband's general health. He was not allowed to get the vaccine yet due to health conditions. When I tried to use my benefits we were denied because the credit use was from last year's cancelation and the check for the 2020 reservation was dated 2020. I thought as long I purchase the insurance when I made the reservation for 2021 and paid in 2021 that the insurance would be valid. Just to be clear the 2021 reservation was paid for on the date I made it. The check from 2020 was for the 2020 date that had to be canceled because of Covid, thus the credit to use at the time of our choosing.