Travel Insurance Reviews Travel Insurance Reviews Plans
To find the best travel insurance plan for your trip, you want to know which plans worked well for other customers. All of our travel insurance reviews were submitted by customers who purchased a plan on our site. These reviews cover the spectrum including travel health insurance, cruise insurance, comprehensive travel insurance and last minute travel insurance.
How We Count Reviews: Our online review database contains over 100k reviews and ratings collected directly from customers via our site and third-party platforms. All reviews have been verified as honest ratings from real travelers like you.
InsureMyTrip evaluates all of the reviews posted on the site. "Anytime Advocates" - a team of licensed, uncommissioned travel insurance representatives - are available to assist any customer who may need help facilitating a claim or answering questions about a purchased plan before, during or after their trip.
The trip included a
tour
International Medical Group
Patriot International Lite
Fortunately no need to use.
Kathryn S. would
recommend this plan to a friend or relative.
AIG Travel
Travel Guard MedEvac Plan
I was fortunate enough not to need the insurance but had the peace of mind in having it. I chose AIG because they were the only company that was willing to help you in a crisis overseas while you were in the crisis, not just with the financial once you returned. The reviews for AIG shared experiences where customers had an incident while abroad and AIG helped them find medical treatment and coordinated the payment directly with the hospital. AIG was willing to support and see you through the whole incident. That is the kind of company I wanted to have watching my back.
Nicole A. would
recommend this plan to a friend or relative.
AXA Assistance USA
Gold
I would avoid AXA for your travel insurance needs.
We are extremely dissatisfied with the claims and appeal process with AXA. We will never use them again. We submitted our claim four times, the initial claim and three appeals. I can say that this company is not client friendly. They do not reach out, and if you make an appeal, they do not tell you what information is needed for review or clarification. From our experience, it was clear that they did not read our supporting documents, there was no personal contact with the person(s) reviewing the claim nor was that encouraged. You can speak with the marketing people, who will assist you in purchasing their coverage, but if you have a claim good luck.
Our claim was based on the damage and lack of access to the property because of 6 weeks of severe weather and flooding which occurred prior to our scheduled vacation. The flooding damaged the property and washed out roads preventing access for repairs. Yet, the insurance company chose to focus repeatedly on a contract provision that would allow them to deny the claim, rather than consider in our opinion all the factors that went into our making a claim.
The only bright spot in this entire process was the help and encouragement we received from working with a highly professional person at InsureMyTrip, (a company that provides a consumer rating service for travel insurance). This woman encouraged us to focus our frustration and continue to make our appeals providing more information and citing contract provisions to clarify our claims.
AXA’s management is very short sighted. They are difficult, impersonal, and drawn out in their dealings with insureds who make claims. It obvious they are not concerned with repeat business. Their marketing is all “sweetness and light†to get your money, then it is too bad when you make a claim. What would be refreshing is if they were honest enough to just say they are not selling fair and useful insurance, just a contract for the right to sue.
We are extremely dissatisfied with the claims and appeal process with AXA. We will never use them again. We submitted our claim four times, the initial claim and three appeals. I can say that this company is not client friendly. They do not reach out, and if you make an appeal, they do not tell you what information is needed for review or clarification. From our experience, it was clear that they did not read our supporting documents, there was no personal contact with the person(s) reviewing the claim nor was that encouraged. You can speak with the marketing people, who will assist you in purchasing their coverage, but if you have a claim good luck.
Our claim was based on the damage and lack of access to the property because of 6 weeks of severe weather and flooding which occurred prior to our scheduled vacation. The flooding damaged the property and washed out roads preventing access for repairs. Yet, the insurance company chose to focus repeatedly on a contract provision that would allow them to deny the claim, rather than consider in our opinion all the factors that went into our making a claim.
The only bright spot in this entire process was the help and encouragement we received from working with a highly professional person at InsureMyTrip, (a company that provides a consumer rating service for travel insurance). This woman encouraged us to focus our frustration and continue to make our appeals providing more information and citing contract provisions to clarify our claims.
AXA’s management is very short sighted. They are difficult, impersonal, and drawn out in their dealings with insureds who make claims. It obvious they are not concerned with repeat business. Their marketing is all “sweetness and light†to get your money, then it is too bad when you make a claim. What would be refreshing is if they were honest enough to just say they are not selling fair and useful insurance, just a contract for the right to sue.
Michael T. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
John Hancock
Gold
I'm a US citizen over 65 and on Medicare which does not provide any medical coverage outside the US (except for the once in a life time $50K amount provided by my supplemental plan) I chose this Gold plan for it's PRIMARY medical coverage for a one month trip to New Zealand. Fortunately I did not have to file any claims, so I cannot rate the service. Plan was competitively priced for features and coverage.
James S. would
recommend this plan to a friend or relative.
The trip included a
cruise
AXA Assistance USA
Gold
I selected this plan through Insuremytrip.com, who gave me comparisons. AXA met the needs at a fairly reasonable cost. Glad I didn't have to use it.
Brenda F. would
recommend this plan to a friend or relative.
-
Crystal
AXA Assistance USA
Having trip coverage certainly helps you focus on the important things like enjoying the travel experience and destination. We appreciate the opportunity to provide coverage for you and hope you will consider AXA Assistance USA for future travels.Apr 18,2017
The trip included a
cruise
TruTravel Insurance
Economy
My wife unexpectedly required major surgery necessitating cancellation of our back to back cruise out of San Juan. Cruise line reimbursed 50% of cruise cost but airline was not refundable. I submitted a claim and within 15 business days I received a check covering outstanding monies including travel agent cancellation fee. My previous experience with a different travel insurance provider was much more difficult. TruTravel was first class.
Laurence S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Global Alert!
Preferred
Reasonably priced travel insurance which covered the basics-fortunately I didn't have to use it.
Stewart W. would
recommend this plan to a friend or relative.
The trip included a
tour
AIG Travel
Travel Guard Gold
Choosing a level of coverage was easy, and although it was expensive (nearly 10% of the cost of my trip), it gave me great peace of mind to know that if work demanded I cancel my vacation, I wouldn't be out of pocket. A co-worker suffered a health setback just days before I left, so I was able to offer my supervisor alternatives that wouldn't leave me holding the bag with non-refundable hotel and airfare.
Also, reminder email a few days before the trip made it easy to look up the details of my insurance. Other online trip insurance have not been so user friendly.
Also, reminder email a few days before the trip made it easy to look up the details of my insurance. Other online trip insurance have not been so user friendly.
Mysti B. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Great trip. Had no concerns since we were adequately covered.
Jerry K. would
recommend this plan to a friend or relative.
C&F Travel Insured International
Worldwide Trip Protector Lite
very nice combo, I will use your insurance again. Thanks.
Oscar A. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
As we previously discussed, Trip Cancellation would have reimbursed you if you had to cancel your trip due to a "Covered Reason" which would always be a reason specifically stated within the policy. If the reason you canceled your trip was not listed as a covered reason, then AXA would deny your claim. Since the rental owner reimbursed you for the rental expense when he canceled your reservation, your claim was originally submitted for airline costs only. In your claim, the property owner indicated that he had been unable to complete his remodeling due to road closures from seasonal rainstorms that would not allow vehicles into the area. Of course,remodeling would not have been a covered reason in any of our plans, so AXA denied your claim.
Later we appealed your claim by requesting coverage under "(m) A cancellation of Your Covered Trip if Your arrival on the Covered Trip is delayed and causes You to lose 51% or more of the scheduled Covered Trip duration due to the reasons covered under the Trip Delay benefit...(e) Severe storms that cause a route closing validated by the National Weather Service records and local Department of Transportation records." Unfortunately the appeal was also justifiably denied since the house was under renovation at the time.
We hope that you will someday reconsider purchasing a plan for a another trip. Although there is no plan that will cover everything, you now have a better understanding of Trip Cancellation coverage which will always work to your advantage when selecting the "best" policy.