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
Great coverage for the Kilimanjaro Expedition!
Kato M. would
recommend this plan to a friend or relative.
C&F Travel Insured International
Worldwide Trip Protector
I purchased the travel insurance for trip to Hilton Head Island where we booked an AirBNB. Upon arrival, our rental was dirty with dead bugs and roaches throughtout the home. The bed linens were dirty. Because of this we weren't able to check in to the place until the next day because the company couldn't get anyone out until then to clean the place. We had to spend $250 at a hotel for that night. Our travel insurance contained trip delay, travel inconvenience, and interruption. You guessed it, when I filed the claim for the cost of the hotel, it was denied. DO NOT COUNT ON THIS COMPANY PAYING ANYTHING. I put these groups in the same categories as home warranties.
Dana C. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
tour
C&F Travel Insured International
Worldwide Trip Protector
Our luggage for 8 people insured under a policy with Travel Insured was delayed for multiple days in Italy. On day three of wearing the same clothes, we went to a clothing store in Italy and bought the basics to keep us going. The total claim amount for 8 people was less the $400. We submitted the delayed luggage form, the detailed claim form, pictures of the baggage finally arriving, and a credit card receipt from the store in Italy. We proved, without a reasonable doubt, that the claim was legitimate, but the claim was denied because we failed to keep the itemized receipt from the clothing store in Italy. I’m not sure what Travel Insured thinks we bought at “Oviesse Campi Bisenzio” in Florence other than clothing, but apparently the “Integrity” value listed in their corporate values is a bit misleading (“We always do the right thing!”). Just be cautious as when I called ahead of the trip to learn more about the policy, they made the claim process sound so simple and straightforward, but unfortunately it was anything but that. Very disappointing.
Sean P. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector
The coverage was what I was looking for on my trip. I had peace of mind and could focus on enjoying my trip knowing that I had the financial backing of my insurance plan in case an unwanted event should occur. I recommended this plan to a friend that was going on a similar cruise as I was and they were happy with the coverage as well.
Arturo V. would
recommend this plan to a friend or relative.
C&F Travel Insured International
Worldwide Trip Protector
Peace of mind was great, especially traveling with small children.
Aaron C. would
recommend this plan to a friend or relative.
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector
Thankfully, I did not need to file a claim. However, it was reassuring to know that should I have needed the coverage, it was there at a very reasonable cost.
MICHAEL P. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
tour
C&F Travel Insured International
Worldwide Trip Protector
Filed a claim for my damaged suitcase and it was processed/resolved within 10 days.
Wayne C. 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
We had to cancel our trip due to illness and the insurance was great, we got all of our expenses back! We were very impressed with how nice customer service was and how straight forward the process was.
Nathan L. 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
Initially very slow to process the claim.
After multiple phone calls I figured out what they needed and once I got this information to them they paid the claims at 100% and I was satisfied.
After multiple phone calls I figured out what they needed and once I got this information to them they paid the claims at 100% and I was satisfied.
Jeffrey T. would
recommend this plan to a friend or relative.
6 of
6 people found this review helpful