Travel Insurance Reviews Crum & Forster - Travel Insured International Worldwide Trip Protector
The Worldwide Trip Protector from Crum & Forster - Travel Insured International is a comprehensive trip cost protection plan. Coverages offered include Trip Cancellation and Interruption, Trip Delay, Missed Connection, Itinerary Change, Cancel for Any Reason, and Pre-Existing Conditions Waiver.
To learn more, see the Crum & Forster - Travel Insured International Worldwide Trip Protector product page.
C&F Travel Insured International
Worldwide Trip Protector
Unfortunately, several medical bills were incurred during my trip - some partially covered by my personal medical insurance, some not covered at all. My background doing large scale project management at various Fortune 500 companies, so I'm familiar with filling out and tracking forms.
Here are the reasons why I do would not recommend C&F Travel Insured:
1) Their PDF claims forms are not possible to fill out entirely on a computer unless you have Adobe Acrobat Pro or some other PDF editor. This is because some of the fields on their PDF forms are not editable.
2) Their website only allows you to enter 1 medical claim per traveler. There's no directions on what to do if you have multiple medical claims. If you call, you find out you have to email additional claims to them.
3) On top of that, their website for filing claims is not very or easy to use. Think early 2000's, with lots of download and uploads. You'll be entering the same information over and over again between the website and PDF.
4) I submitted additional claims via email in May. In June, I called and the rep couldn't find my additional claim. I asked her to look again, and then she found them. She told me to call back in 6+ weeks. I called back in August, and they couldn't find my additional claim, and that they would call me back. Could they email me given all the junk calls I get per day? No. This is their workflow in 2023.
Sometimes, I wonder if their website and PDF forms are intentionally full of friction to discourage you from filing a claim, or because they just don't invest in the claims workflows, or if it is something else -- I don't know.
Some closing thoughts:
1) If you have just one medical claim, filling out their forms isn't the worst and you'll get paid pretty quickly.
2) I haven't tried filing claims for other travel insurance companies, so I'm not sure if they are better or worse.
Here's to hoping my additional claims get paid!
Here are the reasons why I do would not recommend C&F Travel Insured:
1) Their PDF claims forms are not possible to fill out entirely on a computer unless you have Adobe Acrobat Pro or some other PDF editor. This is because some of the fields on their PDF forms are not editable.
2) Their website only allows you to enter 1 medical claim per traveler. There's no directions on what to do if you have multiple medical claims. If you call, you find out you have to email additional claims to them.
3) On top of that, their website for filing claims is not very or easy to use. Think early 2000's, with lots of download and uploads. You'll be entering the same information over and over again between the website and PDF.
4) I submitted additional claims via email in May. In June, I called and the rep couldn't find my additional claim. I asked her to look again, and then she found them. She told me to call back in 6+ weeks. I called back in August, and they couldn't find my additional claim, and that they would call me back. Could they email me given all the junk calls I get per day? No. This is their workflow in 2023.
Sometimes, I wonder if their website and PDF forms are intentionally full of friction to discourage you from filing a claim, or because they just don't invest in the claims workflows, or if it is something else -- I don't know.
Some closing thoughts:
1) If you have just one medical claim, filling out their forms isn't the worst and you'll get paid pretty quickly.
2) I haven't tried filing claims for other travel insurance companies, so I'm not sure if they are better or worse.
Here's to hoping my additional claims get paid!
Dennis C. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
C&F Travel Insured International
Worldwide Trip Protector
Extra protection is never a bad idea. I though the cost was reasonable and very happy I did not need to use it! Better to be safe than sorry!
PAMELA R. would
recommend this plan to a friend or relative.
C&F Travel Insured International
Worldwide Trip Protector
Would look elsewhere for less money.
David R. would not
recommend this plan to a friend or relative.
-
Erin
Thank you for your review. There are many factors that contribute to the premium of a policy. To ensure you are selecting a policy that adequately suits your needs, please contact InsureMyTrip at 800-487-4722 where a licensed representative would be happy to assist you narrow down the available options.Apr 28,2020
The trip included a
tour
C&F Travel Insured International
Worldwide Trip Protector
Didn't have to use the coverage so no way to gauge the actual effectiveness but everything was smooth from the standpoint of signing up, receiving the policy and getting reminders to take it along on the trip in case anything did go wrong.
Teresa D. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector
Fortunately, we did not have to use any benefits of the plan. There were however two medical emergencies on the cruise that required the people to disembark, one by helicopter at sea. That was a reminder of how important insurance can be.
Dennis H. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector
Plan offered more benefits than others. Fortunately I did not have to make a claim, the day before our trip I received an email with InsureMyTrip phone numbers in case it was needed. Great customer service.
Jose R. would
recommend this plan to a friend or relative.
C&F Travel Insured International
Worldwide Trip Protector
I was attracted to this policy because of the medical evac coverage level since I was going to be traveling in Hawaii and I live on the mainland. Fortunately, I did not have to take advantage of it, but liked knowing it was available if needed.
Claudia K. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector
Plan had good coverage and I always compare medical, exclusion clause and emergency evacuation coverages as those are most important to me.
WE did not have to use the coverage this trip, thank goodness. But have had to use coverages provided by insurance companies thru Insure My Trip.
When that happened, Insure My Trip even stepped in to assist with prompt reimursment for a claim processed when there was a delay.
I love this service. Wish it were a bit more reasonable cost wise, but do also realize that insurance coverages are costly.
WE did not have to use the coverage this trip, thank goodness. But have had to use coverages provided by insurance companies thru Insure My Trip.
When that happened, Insure My Trip even stepped in to assist with prompt reimursment for a claim processed when there was a delay.
I love this service. Wish it were a bit more reasonable cost wise, but do also realize that insurance coverages are costly.
Diane S. would
recommend this plan to a friend or relative.
C&F Travel Insured International
Worldwide Trip Protector
Seemed ok for my needs for the money.
Nathaniel R. would
recommend this plan to a friend or relative.
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector
The plans offered are easy to select and reasonable in price.
Hugh P. would
recommend this plan to a friend or relative.