Travel Insurance Reviews TravelSafe

TravelSafe Insurance has become the industry leader in travel insurance products through innovation, experience and excellent customer service. Since 1971, they have marketed and administered the most comprehensive policies available in the industry and lead the way in developing new solutions for the insurance needs of travelers.

Learn more about TravelSafe Insurance.

Customers rated TravelSafe
4.55 out of 5
1,814
ratings and reviews
96%
recommended
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Cruise
Filed claim
The trip included a
cruise
TravelSafe Classic
Plan was exceptional, and the reason it was exceptional is that I did not need to use it. Have a great time and had peace of mind prior to, and during, that things were covered in case of an emergency.
David F. 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
TravelSafe Basic
This is the first time I've had to file a claim on a travel insurance policy, and all I can say is that it is great until you have to file a claim. At that point, the response time is horrible.

It is interesting that the company took my money in a few seconds via a website. Once I filed a claim, though, everything reverted to paper and snail mail. From the time I first filed my claim that our rental villa had been destroyed by hurricane Irma to the time I finally received my reimbursement was almost two months. That's two months that the company was earning interest on my money while I was paying interest to my credit card company. I realize the hurricanes resulted in many claims during this time - the processing company should hire some temps to help with the workload.
Roger B. 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.
  • Empty Comment
The trip included a
tour
TravelSafe Classic
This was one of the rare occasions I have had to file a claim with travel insurance, and my experience was time consuming, frustrating, ultimately dissatisfying, and just plain awful. The dispute centered on a provision buried deep within the the policy language that required a contemporaneous written report of the incident in order to receive compensation. While I will not go into the details, in my case damage to a camera and lens occurred while staying in a rustic backpackers' lodge in a remote region of Borneo, where such formalities would be absurd. I did, however, make the management of the lodge aware of the incident verbally, and I also confirmed my account with them by e-mail after returning to the U.S. This documentation was provided to the insurer, but rejected as insufficient evidence that the damage occurred during the coverage period. In truth, the amount I was seeking -- $290 for repair of the camera and lens -- was not much more than the cost of the policy premium. I found the attitude of TravelSafe (and their claims agent TripMate) to be doctrinaire, inflexible and, frankly, sleazy. I had used TravelSafe on two previous occasions, but I will never use this company, or their underwriter, United States Fire Insurance Company, again.
Robert P. 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.
  • Melissa J.
    Photo
    Thank you for your feedback on the policy. We appreciate you using InsureMyTrip for your travel insurance needs. We are sorry to learn that your property was damaged during your trip and are dissatisfied with this policy. The claims administrator is required to adjudicate claims based on the terms and conditions of the policy. With any travel insurance policy you would be required to have written documentation at the time of loss for damage to, or theft of your personal property. This will substantiate your claim and demonstrate that the event occurred while you were traveling. The following information can be found in the certificate of this policy:

    "Additional Claims Provisions Specific to Baggage: Your duties after loss of or damage to property or delay of baggage:
    In case of loss, theft, damage or delay of baggage or personal effects, You must:
    a) take all reasonable steps to protect, save or recover the property;
    b) promptly notify, in writing, either the police, hotel proprietors, ship lines, airlines, railroad, bus, airport or other station authorities, tour operators or group leaders, or any Common Carrier or bailee who has custody of
    Your property at the time of loss;
    c) produce records needed to verify the claim and its amount and permit copies to be made;
    d) provide to the Company, within 90 days from the date of loss, a detailed proof of loss signed and sworn to; and
    e) be examined, if requested."

    In the future, please consider calling us prior to purchasing a plan so that we can assist you in reviewing any specific concerns that you may have when you are selecting a travel insurance policy. Our toll free telephone number is 800-487-4722. We look forward to assisting you.
    Jan 29,2018
    • RobertP
      Photo
      Thanks, Melissa. Believe me, I am now quite familiar with the provisions of the policy you have quoted, the reasons for them, as well as the reasons why my claim was denied.

      Please allow me to point out, however, that the phrasing of part (b) is unclear and open to interpretation.

      The clause requires that written notification be made to any one of a list of entities -- police, hotel, etc. -- "or any Common Carrier or bailee who has custody of your property at the time of loss." Does the qualifier, "who has custody of your property at the time of loss" apply only to Common Carriers and bailees? Or to the entire enumerated list? Bailees, by definition, have custody of your proprerty. That's what makes them bailees. Common Carriers have custody not only of your property, but also of your person for the duration of their carriage. So, qualifying only these two types of entities is superfluous. That would seem to imply that the qualifying phrase, "have custody of your property" applies to the entire list, not only Common Carriers and bailees.

      In my case, the hotel did not have custody of or control over my property at the time the damage occurred. It was in my hands and in my control. Therefore, the requirement of wriiten notification has been misapplied in this case, and insurance should've paid.

      I brought up this point with TripMate, but they didn't buy it. For my part, I paid $290 for repair of the camera and lens, with which I was very pleased -- Photo Tech on West 36th Street in Manhattan. I recommend them highly. I've moved on with life.
      Jan 29,2018
TravelSafe Classic
I purchased TravelSafe Classic plan for my trip to Dominica. Since Dominica Island was severely hit by hurricane Maria I had to cancel my trip and file the claim with TravelSafe Insurance. They were great! Their instructions were clear and easy to follow; the customer crevice was very helpful. It took 2 months for them to send me the check but I was reimbursed the claimed amount with no issues. I am very satisfied with TravelSave Classic plan and would highly recommend this insurance to everyone.
Elena D. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
TravelSafe Classic
Great customer service at a very affordable price. I will use this company again.
Cristina G. 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
TravelSafe Classic
Affordable rates and includes hurricane coverage.
William K. 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
TravelSafe Classic
Didn't use it
Gregory S. 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
TravelSafe Classic
Didn't use it
Lawrence S. 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
TravelSafe Classic
Great piece of mind.
Michael-Ray P. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
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
TravelSafe Classic
We cruise frequently and have been purchasing Travel insurance for many years. After comparing a number of policies we have come to the conclusion that TravelSafe Classic offers the best coverage in it's class at a very competitive price.

Earlier this year on the 3rd day of our 20 day cruise we got the word that a very close relative had passed away and we had to rush back. This experience exposed the strengths and weaknesses of this plan. The process of filing claim was simple and according to the acknowledgment of the receipt of the claim I was to receive a decision within 14 days. After not having heard anything for almost a month I contacted TravelSafe who told me that they were just the agents for the US Fire Insurance and claims are handled by TripMate. Unfortunately there are a lot of negative reviews about TripMate and I experienced some of the same problems. Most of the time their phone would ring for a while and then disconnect the call, other times they would put me on hold for as long as an hour and then hang up. A few times I got the option to leave a message with a promise of receiving a call back within a few hours but no one ever called back. At least four times I managed to actually talk to an agent, each time they would take my information and promise to get back to me the next day but never heard back from any of them. After two and a half months of not getting anywhere with TripMate I requested assistance from TravelSafe who contacted TripMate on my behalf and within 2 weeks my claim was processed. In the end it took about 3 months and I received the full value of the benefits I had purchased. I am not sure how much longer it would have taken had TravelSafe not intervened. In spite of our frustrating experience with TripMate we just purchased TavelSafe Classic Plan for our upcoming cruise because it provides excellent coverage at a reasonable cost and I am told that TripMate is working on improving it's customer service.

On a side note, InsureMyTrip claims that if you purchase a policy through them they act as an advocate on your behalf, however, it was my experience that all InsureMyTrip did for me was to give me the telephone number of TravelSafe.
Pervez Z. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
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