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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.

Customers rated the C&F Travel Insured International Worldwide Trip Protector plan
4.60 out of 5
3,356
ratings and reviews
97%
recommended
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Cruise
Filed claim
The trip included a
tour
C&F Travel Insured International Worldwide Trip Protector
I wanted to FILE A CLAIM BUT Could not GET ANY RESPONSE FROM THE COMPANY. I tried calling several times and no one answered the phone even after being on hold for ever. Finally I got in touch by email and got paid
Joyce G. would recommend this plan to a friend or relative.
2 of 3 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 feedback. We are pleased to learn that your claim was paid.

    The travel insurance industry has been experiencing an increased volume of inquires and claims due to the COVID-19 pandemic and have been trying their best to address all requests in the order in which they are received.
    Aug 20,2020
C&F Travel Insured International Worldwide Trip Protector
Purchase this insurance for a recent trip to Canada, on our way back we had a +6 hour delay and I made a claim for expenses (meals, charger etc; ~ $105.00 USD). Submitted all the documentation on January 12th and it has been more than 19 BUSINESS DAYS without a response (25 calendar days), even though they say it takes around 15 business days to process. No communication has been received, terrible customer service, do not buy!

UPDATE: After 8 months Insuremytrip did follow up. The claim ($102) was paid but only after the bad review above was posted. Anyway, I stand with what I said before, terrible service and the process should have been either faster and/or with more communication on their part.
Alejandro E. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Megan
    Photo
    Thank you for your feedback.

    Please see the response from C&F Travel Insured:
    "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."
    Sep 10,2020
The trip included a
cruise
tour
C&F Travel Insured International Worldwide Trip Protector
Kudos to you if you are reading reviews.  Our family of four has exclusively used Travel Insured for our trips abroad for several years.  They are fabulous when you do not have a claim as you are reading in other 5 star ratings.  Therefore, all reviews where a claim was not made must absolutely be disregarded!
 
Not only was my medical claim supported by our licensed physical declined, it took EIGHT & A HALF MONTHS for the claim to even be processed.  The ONLY time our claims analyst handled our paperwork was when we made an inquiry and when she phoned to inform us our claim has been denied.  Our claim should have been processed before COVID was an issue. Our claim documents were completely submitted a full 8 weeks before WHO declared a global emergency and 15 weeks before COVID was declared a national emergency in the United States.  Despite these facts, our claims analyst blamed the slow process on COVID.  Additionally, it took over six weeks for Travel Insured to upload the third set of requested documents to their system and another eight weeks after that before finally rejecting our claim on grounds they could have indicated months ago.  This company has kept our family in unnecessary limbo.
 
Read the fine print. Our claim was denied base on one minor requirement that didn’t even make sense in the context of the claim. There are other companies that provide better coverage and superior customer service. Unless you pay extra for the “Cancel For Any Reason” policy, you are probably wasting your money. Even with CFAR, there is fine print and you are only insured for 75% of your policy. Keep researching and don’t forget some credit cards offer as much coverage as travel insurance!
James P. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Megan
    Photo
    Thank you for your review.

    For future travel insurance needs please do not hesitate to call InsureMyTrip at 800-487-4722. One of licensed representatives can assist in answering any questions, to run a quote, or even purchase a plan over the phone. We look forward to assisting you in the future.

    All travelers that purchase a policy through InsureMyTrip have access to our Anytime Advocates® program. This unique program is designed to save our travelers time and money by contacting the travel insurance provider directly to smooth out any kinks in the claims process. The InsureMyTrip Anytime Advocates® will help any customer with:
    Claims assistance
    Receive expert advice on how to navigate the claims process and file a claim properly with your travel insurance provider.
    Dispute resolution
    Anytime Advocates® will check the status of a claim. If a claim is denied, an advocate will work on behalf of the customer to learn why or to help with the appeal process.
    Oct 06,2020
The trip included a
tour
C&F Travel Insured International Worldwide Trip Protector
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.
Barry T. 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.

    Please see the response from C&F Travel Insured:

    "We thank you for your feedback and apologize for the frustrations you’ve experienced during your experience with our company. Call volumes hare very high at this time, but our relationship with our customers is very important to us. If you’d like to discuss your situation further please contact us at [email protected] We appreciate your patience."
    Sep 14,2020
The trip included a
tour
C&F Travel Insured International Worldwide Trip Protector
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.
William C. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Megan
    Photo
    Thank you for your feedback

    We are pleased to hear that your claim has been resolved and look forward to assisting you in the future!
    Sep 11,2020
The trip included a
cruise
tour
C&F Travel Insured International Worldwide Trip Protector
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.
Roger T. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
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.

    We do want you and your fellow customers to be aware that InsureMyTrip offers a Customer Advocate Program. Customer Advocates are representatives assigned to assist customers who experience issues after filing a claim. Requesting a Customer Advocate is as simple as calling 877-612-3827 or emailing [email protected], explaining the events which resulted in a claim, and the challenges you are facing.
    Sep 08,2020
  • Megan
    Photo
    Please see the response from C&F Travel Insured:
    "We thank you for your feedback and apologize for the frustrations you’ve had during your experience with our company. Our relationship with our customers is very important to us. If you’d like to discuss your situation further please contact us at [email protected] . "
    Sep 10,2020
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
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
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
The trip included a
cruise
tour
C&F Travel Insured International Worldwide Trip Protector
My wife and I were on a land and sea vacation with Princess Cruises. My wife became ill the last 3 days on the Coral Princess. We had to see the doctor at 3:45am. When we returned home I submitted the appropriate paper work required by C&F Travel insurance. Three weeks later I received an email from them stating that they approved our claim and a check would be sent to us in about on week. Glad we purchased the travel insurance. We have purchased travel insurances in the past on many of our trips and never used it. On this trip it paid off!!
We did pay for the option of making this insurance our primary so we did not have to submit multiple paperwork. One negative comment is that when submitting documents via email to C&F you can only send a maximum of a 12mb file which was not stated in there forms. I had to submit 2 different files.
I would recommend C&F Travel Insured International Worldwide Trip Protector. In my case, they came through!

L&B
Leon S. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
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