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.
The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector
It was basic insurance. You buy it and hope you never need it. That was our case. I signed up for the plan, it was reasonably priced, and thankfully never really thought about it again.
Glenn S. would
recommend this plan to a friend or relative.
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector
I never go on a trip without contacting Insuremytrip.com. Most often, i just insure for medical coverage since my husband and I are in fairly good health and not worried about trip cancellation, etc. After I described my trip insurance needs to an agent, she recommended the C&F Travel Insured International Worldwide Trip Protector plan to cover our medical needs for a trip to Australia and New Zealand in February-March, 2019 that included a 14 day cruise on Holland America. Early into the cruise, we both developed very bad colds and coughs that we couldn't shake. Late in the first week, we both went to the ship's doctor who diagnosed it as a common cold and gave us medicine to help fight it. When i got home, i was still sick and went to see my primary care who prescribed antibiotics and i finally shook the illness in about a month. The fee for the ship's doctor for the 2 of us including some medicine was $250.00. When we got home, we filed a claim with C&F Travel Insured on line. The process was pretty straight-forward. They initiated the claim but required that we file the claim first with our primary insurer, Blue Cross through my employer. We did and since the Holland America Noordam Medical Center was out of network, it approved the claim but required that it go first against my deductible which we hadn't used up yet, Blue Cross did not pay out anything. Once we got the EOB (Explanation of Benefits) back from Blue Cross showing that they approved it but didn't pay out to us, we then filed a copy of the EOB, our claim form and a copy of the invoices from the ship, online via a document scan upload to C&F Travel Insured. In about 2-3 weeks, we got approval from C&F that our claim was approved and received a check for the full amount shortly after. I am extremely happy with the professionalism shown by all parties involved. Yes, it took some a little bit of time, to first file with Blue Cross, then with C&F, but that was as to be expected and completely following the terms of my policy. I would definitely use Insure my Trip and C&F again. I have used Insure my trip at least 4-5 other times and this is my first time ever needing to file a claim and i'm very happy with the experience of everyone involved.
Nancy D. would
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
C&F Travel Insured International
Worldwide Trip Protector
I was completely at ease knowing I was covered should anything unexpected arise.
Kathy W. would
recommend this plan to a friend or relative.
C&F Travel Insured International
Worldwide Trip Protector
I have used InsureMyTrip several times. Although I have never had to process a claim, the peace of mind I have with the policy is worth the very reasonable cost. I will use again.
John R. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector
First time I ever needed to file a claim for travel insurance and it was for medical care on the ship. Took awhile to submit the claim since it had to be denied by my primary health insurance first. After all of that was completed, the time C&F had the claim was short and paid promptly in full. Happy that they paid it all as it amounted to almost $2400!
Gene S. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
C&F Travel Insured International
Worldwide Trip Protector
I rated slightly lower because I didn't have to use it (fortunately), so have no basis for evaluation.
Steve H. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector
Always very reassuring when we have coverage through insuremytrip when traveling abroad.
Rosemary H. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
C&F Travel Insured International
Worldwide Trip Protector
We did not need to file a claim but having this insurance made us feel much more prepared for our trip.
Deborah H. would
recommend this plan to a friend or relative.
The trip included a
tour
C&F Travel Insured International
Worldwide Trip Protector
One never knows how good a play is until some services are needed
Terry W. would
recommend this plan to a friend or relative.
C&F Travel Insured International
Worldwide Trip Protector
I still do not understand the waiver eligibility for prescription or annual medical appointments at the time of insurance purchase. I am still confused if I even got it or paid insurance for nothing because it sounds like you have to buy insurance before you make first payment?
Leimomi F. would
recommend this plan to a friend or relative.
-
Carol
Thank you for reaching out to us for the additional information.
All Comprehensive plans include a Pre-existing Condition Exclusion. Your Worldwide Trip Protector plan defines this exclusion as:
“Pre-Existing Condition means an illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or a Family Member: 1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy."
According to our records, you bought this policy on 04/12/2019 which was within 21 days of your initial trip payment of 04/02/2019, so as long as you met the following conditions, then your policy waived that exclusion:
"a) Your Payment for this Policy and enrollment form are received within 21 days of the date Your initial Payment or Deposit for Your Trip is received; and
b) You insure all Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 21 days of the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements (or any other Travel Arrangements not made through Your travel agent) added to Your Trip; and
c) You are not disabled from travel at the time Your premium is paid."
InsureMyTrip is open 7 days a week, 365 days a year, and our customer care representatives are licensed insurance agents who are able to recommend the most cost effective plans which will cover the travelers primary concerns. If you would like to receive assistance in obtaining a quote or purchasing a policy, please call us at 800-487-4722 as we would be happy to assist you.Jun 04,2019
Please call us at 800-487-4722, if you have any questions or concerns.