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Travel Insurance Reviews TravelSafe Classic

The Classic plan, like the Basic plan, offers Trip Cancellation and Trip Interruption coverage but includes more covered perils and higher limits of coverage. Plan highlights include Cancellation Due To Hurricane, Pre-Existing Condition Waiver, and Missed Connection.

To learn more, see the TravelSafe Classic product page.

Customers rated the TravelSafe Classic plan
4.54 out of 5
1,365
ratings and reviews
96%
recommended
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Cruise
Filed claim
The trip included a
tour
TravelSafe Classic
Entire process was simple and easy to understand.
Alfred 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
The trip included a
cruise
TravelSafe Classic
I purchased the TravelSafe Classic plan through InsureMyTrip for a planned trip to Antarctica with my sister. Unfortunately we had to cancel the trip a month before our travel when our mother got sick and was moved into hospice care. We completed all the forms and compiled all the documentation, which took days and amounted to well over a hundred pages of paperwork. We submitted everything then used their online claim status form to track the progress.

My claim was marked as received and printed, then nothing changed. After over a month with no progress I called TravelSafe and the agent scoffed at my request, said there was no possible way to expedite my claim, and I'd just have to wait.

Two months in, still nothing had changed, while my sister's identical claim had gone through several rounds of supplemental information requests. I called again and this time the agent was sympathetic and said she'd expedite my claim (so it is possible?).

Two weeks later, 2.5 months since receiving my claim, STILL nothing had changed. This time I contacted InsureMyTrip. They responded the next day asking for my claim number, and within a week they had negotiated the full payment of my claim. Meanwhile my sister is still waiting on her claim.

In the end TravelSafe paid out my claim, so I'm mostly satisfied with the plan and coverage. But their claim service was terrible, and I'm not sure how long I would have waited for reimbursement - or even if I would have been reimbursed - if it weren't for the help of InsureMyTrip. So the high ratings here are really thanks to and for InsureMyTrip. Thanks!
Nicole M. 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
The trip included a
cruise
tour
TravelSafe Classic
Thankfully, I didn't have to file a claim but I appreciated knowing that I had coverage should I need it.
thomas 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
tour
TravelSafe Classic
I have travelled extensively and have always bought travel insurance but this is the first time I have filed a claim. My flight to India was canceled and delayed for 24 hours. Since I had a non refundable hotel and scheduled pre paid tours for my original arrival date, I called the airline and requested that I be booked on a flight a day earlier instead of a day later. I filed a claim for the extra nights hotel and my claim was denied. If I would have stayed with the later flight, the claim would have been for more since they would have had to reimburse me not only for hotel but for the pre paid tour as well. That is why I carry insurance for when the unexpected happens. This was a situation beyond my control and I tried to make the best decision but Travel Safe was not willing to work with me.
Maria D. 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.
  • Carol
    Photo
    Thank you very much for taking the time to comment on your claim.

    Although it is never pleasant to hear that your claim was denied, this was a fair denial of coverage according to your policy terms.

    (1) According to page 1 of your TravelSafe certificate, "Travel Delay: Coverage begins after You have traveled 50 miles or more from home en route to join Your Trip. This is Your “Effective Date” and time for Travel Delay." Since you changed your departure date back on 09/13/2017, which was before your original departure date of 09/22/2017 and before you traveled 50 miles or more from home, you would not have a valid Travel Delay claim under this policy.

    (2) You also indicated in a previous email that "No charge fees or penalties have been incurred. There are no claims or pending claims at this time." Voluntarily changing your departure date prior to departure and incurring the expense of an additional night in a hotel would not qualify under this policy as reasonable expenses for additional accommodations according to page 5 of the certificate:

    "TRAVEL DELAY
    Benefits will be paid up to 0 per day for reasonable accommodation, meal, and local transportation expenses incurred by You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, if You are delayed for 6 hours or more while en route to or from, or during Your Trip..."

    We appreciate your cooperation in providing additional information for this review. We also hope that you may change your mind in the future and call us to discuss coverage for a future trip. We can be reached at (800) 487-4722 weekdays 7:00 AM to midnight ET and weekends 9:00 AM to 9:00 PM.
    Feb 26,2018
TravelSafe Classic
The cost of this plan is affordable for everybody and give good covered.
Hector 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
The trip included a
cruise
TravelSafe Classic
I had to file a claim, as our entire cruise and flights were canceled due to the hurricanes that hit Texas in the summer of 2017. The initial response with the insurance company was excellent, then it became more and more slower. Unfortunately I had to call them back two times to ask about the status of my claim, as it was 'under review/pending' for nearly 2 1/2 months. After the second time I called asking a status check, I was able to untimely get my claim settled; I was reimburse 100% of what I asked for, so for that, I give them 5 stars. 3.5 stars for their slow responses, but with all the insurance claims being processed, I suppose I understand. Overall, satisfied, but a slower claim waiting time. I would use again.
Matthew F. 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
TravelSafe Classic
It took several months to get my claim resolved. They finally did pay for the requested Deposit of $337.50, but the hoops we had to jump through to get that small amount was not a pleasant experience. I had to either be on the phone or copying paperwork that took up a lot of my work-time. I finally had to get Trip Mate, who I originally bought it through, to be the middle-man that prompted the refund.
Pamela M. 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.
  • Carol
    Photo
    Although we regret that you experienced difficulties in the TripMate claims process, we are pleased to hear that you did receive reimbursement of your 337.50 USD deposit.

    In the future, you may wish to take advantage of an "Anytime Advocate" to support you in the process. Please feel free to call Customer Care weekdays from 7:00 AM to midnight ET and weekends 9:00 AM to 9:00 PM ET to request an advocate assignment.
    Feb 13,2018
The trip included a
tour
TravelSafe Classic
Great price for disaster removal coverage on trip to Antarctica - although not used, peace of mind was well worth the $50!
Chandler V. 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
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
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
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