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.
Generali Global Assistance
Standard
Thankfully we had no need to use the coverage afforded us by the plan, but we enjoyed peace of mind knowing we didn't need to worry.
Anthony S. would
recommend this plan to a friend or relative.
AIG Travel
Travel Guard MedEvac Plan
I had no issues so a full review is not possible. I was pleased with ease of obtaining coverage and will use again.
John S. would
recommend this plan to a friend or relative.
AIG Travel
Travel Guard Basic
I didn't need to use the plan but, when traveling to the part of the world I was it was nice to know it was there. I will consider this before other trips from now on.
James K. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
AXA Assistance USA
Gold
Happily, did not have to file a claim.
Sherie Z. would
recommend this plan to a friend or relative.
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CrystalAXA Assistance USA
We appreciate the opportunity to provide coverage for you and hope you will consider AXA Assistance USA for future travels.Mar 17,2016
Global Underwriters
Diplomat International
We are not satisfied with Global Underwriters.
We will be filling a claim for out-of-pocket expenses related to treatment for a fractured wrist my wife received while traveling in Chile. She received medical care in Buenos Aries; x-rays, medical assessment and a cast. The doctor informed us that my wife required surgery to repair that brake so we elected to return home early to be treated by our local doctor. We notified Global Underwriters of the situation and were told that our insurance would not cover the cost of an early return home. We were told that they would cover the surgery in Buenos Aries but not the travel expense to return home early to be treated there.
The Global representative actually laughed at us and told us that we bought the wrong coverage.
I should note that the total cost for the medical care in Buenos Aries was $110. With a deductible of $100 Global owes us $10. We are still had the out of pocket expense of $1,300 in changes in travel arrangements, not to include the lost value of our vacation because we ended up missing 1/3rd of the package group tour we were on at the time of the incident. Further, we paid $280 for the insurance package so in total we will have out of pocket expense $1,570 assuming we get paid the $10 Global owes us.
Anyone who is traveling abroad should know that most trauma injuries incurred while traveling are ambulatory and should insure that the coverage includes early return due to injury. Emergency medical evacuation does not cover ambulatory situations.
Also, check with your own health insurer to see if they provide primary coverage for illness or injury when traveling abroad. We discovered that our health care provider would provide primary care coverage while we were overseas to include referral to local medical facilities in the event of illness or injury, coverage of medical transport to local facilities and translator services if necessary.
We are not happy campers! We would have been better off if we had not purchased the insurance in the first place.
We will be filling a claim for out-of-pocket expenses related to treatment for a fractured wrist my wife received while traveling in Chile. She received medical care in Buenos Aries; x-rays, medical assessment and a cast. The doctor informed us that my wife required surgery to repair that brake so we elected to return home early to be treated by our local doctor. We notified Global Underwriters of the situation and were told that our insurance would not cover the cost of an early return home. We were told that they would cover the surgery in Buenos Aries but not the travel expense to return home early to be treated there.
The Global representative actually laughed at us and told us that we bought the wrong coverage.
I should note that the total cost for the medical care in Buenos Aries was $110. With a deductible of $100 Global owes us $10. We are still had the out of pocket expense of $1,300 in changes in travel arrangements, not to include the lost value of our vacation because we ended up missing 1/3rd of the package group tour we were on at the time of the incident. Further, we paid $280 for the insurance package so in total we will have out of pocket expense $1,570 assuming we get paid the $10 Global owes us.
Anyone who is traveling abroad should know that most trauma injuries incurred while traveling are ambulatory and should insure that the coverage includes early return due to injury. Emergency medical evacuation does not cover ambulatory situations.
Also, check with your own health insurer to see if they provide primary coverage for illness or injury when traveling abroad. We discovered that our health care provider would provide primary care coverage while we were overseas to include referral to local medical facilities in the event of illness or injury, coverage of medical transport to local facilities and translator services if necessary.
We are not happy campers! We would have been better off if we had not purchased the insurance in the first place.
ottie n. would not
recommend this plan to a friend or relative.
7 of
7 people found this review helpful
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Zac
Thank you for your feedback on the policy. We are sorry to learn about the injury that was suffered. Unfortunately, the Global Underwriters Diplomat International plan does not cover Trip Interruption due to an injury or illness of an insured person. Most Single-Trip Medical plans cover Trip Interruption due to the death of an immediate family member or a Natural Disaster which destroys your principal place of residence.
Comprehensive travel insurance plans do cover Trip Interruption due to an unforeseen, accidental injury, emergency illness, or death of the insured(s), traveling companion(s), and family member(s).
In the future, please call us at 800-487-4722 so we can assist you in selecting plans that adequately cover your primary concerns.Apr 01,2016
The trip included a
cruise
tour
Generali Global Assistance
Standard
This time we had no problem, but I would never travel without
CSA TRAVEL protection. On our previous trip I got sick just before leaving and got reimbursed for the flights and cruise without any problem in a short time after sending in the doctor note and paperwork. CSA has helped me a lot!
CSA TRAVEL protection. On our previous trip I got sick just before leaving and got reimbursed for the flights and cruise without any problem in a short time after sending in the doctor note and paperwork. CSA has helped me a lot!
Monika K. would
recommend this plan to a friend or relative.
The trip included a
tour
TripAssure
Advantage Complete
I have an MBA and a lot of contract law experience. I can only speak to one area of the policies major flaw. Coverage for baggage loss or theft internationally. The policy requires a "written report" of the loss of your baggage. Sounds easy? It isn't, especially, when A) you do not have a clear definition of what the report needs to contain and B) they expect it to almost come to you as if you were in America. Imagine being in ANY foreign country, China, Iran, Jamaica, South America and your items are stolen. You need a police report. Can you file it while your there? Was there a riot? trouble? When you get home can you figure out how to file the report? Including the language barriers, time differences, the international calls and the insane amount of time you spend doing this. Foreign Countries aren't jumping up and down to spend money to help you get a report for an insurance company. At no time have I received a definition of what a "written report" exactly is and that is applicable fairly and equally across all foreign destinations. So buyer beware. If you've been denied, seek counsel.
Deirdre G. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
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Zac
Thank you for your feedback on the policy. Your review is very informative, and we hope fellow customers will consider the information in their search for travel insurance.
To have a payable Baggage and Personal Effects claim on a Comprehensive travel insurance policy, the insured person must notify, the police, hotel, Common Carrier or bailee who has custody of your property at the time of loss, and obtain a copy of the reported loss from the company. The wording of this requirement will vary slightly from policy certificate to policy certificate, but the basic premise is the same, the insured person bares the burden of providing the proof of loss in order to receive reimbursement for their loss. Notifying the appropriate authority and obtaining a written report for Baggage and Personal Effects claims is travel insurance industry standard for Comprehensive travel insurance policies.
Please call us at 800-487-4722 if you have any questions about this requirement, or want details on the additional requirements for Baggage and Personal Effects coverage.Mar 25,2016-
DeirdreG
Germany doesn't provide written reports within 48 hours, they provide them after the investigation is over. So the insurance plans ask for what is not reasonable or obtainable. You cannot know the laws of each foreign country you are visiting before you travel.Mar 27,2016
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AlexeiO
Interesting how most of the reviews (95%) are just reflections of how easy it was to buy this plan or any plan actually - USELESS. I do appreciate that Deirdre review or was it an opinion? gives some food for thought.
Thanks!Sep 25,2017-
Kyle
While it is true that a high number of reviews are not based on a filed claim, we do provide a filter option at the top of the review page to only show reviews based on a filed claim.Sep 25,2017
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Seven Corners
Liaison Travel Basic U.S. Visit
I did not file a claim, no I cannot really say much about the service.
Alejandro C. would
recommend this plan to a friend or relative.
The trip included a
cruise
MEDEX
TravMed Choice Outbound
I think I had better coverage for the $. Will probably use again.
Charles M. would
recommend this plan to a friend or relative.
The trip included a
tour
AXA Assistance USA
Silver
The best insurance plan to buy is the one you never have to use. I purchased the Silver Plan because it covered all my needs for the least cost. On more than one occasion I was glad I choose a plan for my trip, but I was glad I never had to use it. I had peace of mind and a secure feeling knowing I was covered!
David D. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
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Crystal
AXA Assistance USA
We are happy to hear your trip insurance plan provided you with the peace of mind to allow you to really enjoy your travel experience without the worry.
We appreciate the opportunity to provide coverage for you and hope you will consider AXA Assistance USA for future travels.
Mar 17,2016