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
TripAssure
Advantage Complete
After much effort on our part, I finally got the claim paid. I had to get the efforts from Insure My Trip to intervene as well. Even after showing proof of the trip cancellation and that we could cancel for "Any Reason" TripAssure still gave me problems. After much pressure on them, they finally paid the policy required amount.
Todd S. would not
recommend this plan to a friend or relative.
The trip included a
cruise
tour
AIG Travel
Travel Guard MedEvac Plan
no one would answer our calls - I know it is because of the virus - we have unanswered questions
Philip H. would not
recommend this plan to a friend or relative.
2 of
4 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
I waited until I submitted my claim on trip interruption part to see how it went. They came through and I received the amount claimed, after filing the proper information. I will also say I needed to contact them at least twice to make sure I understood what was needed for my claim and the agents I emailed and/called on phone were very helpful in aiding me to file properly. I appreciate all that was done, as I have never had to submit any claims on my many past trip coverages. Naturally I would recommend them after this proven positive experience.
Oh by the way, I needed to file this claim after I returned home around March 9-12 2020. Note that date - around the time the worldwide coved 19 just started to become an issue!!
So I was a bit stressed as I had returned home immediately after all this corona panademic began unfolding in the US.
NOTE: ALWAYS KEEP all records and receipts from the moment you plan an insure your trip until you arrive home, as you will need such records to submit along with your claim. Without proof you cannot expect reimbursement (obviously)
Oh by the way, I needed to file this claim after I returned home around March 9-12 2020. Note that date - around the time the worldwide coved 19 just started to become an issue!!
So I was a bit stressed as I had returned home immediately after all this corona panademic began unfolding in the US.
NOTE: ALWAYS KEEP all records and receipts from the moment you plan an insure your trip until you arrive home, as you will need such records to submit along with your claim. Without proof you cannot expect reimbursement (obviously)
Ralph M. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
International Medical Group
Patriot International Lite
Took 6 months and multiple call attempts after filing a claim to finally get a denial for an emergency root canal for sudden nerve pain despite the policy saying dental is covered for “Unexpected pain or Treatment due to an Accident”. I even emailed to pre-certify and they responded that dental didn’t need pre-authorization. Regardless of the decision this was absolutely terrible service - 6 months without any response! Stay away from IMG.
Cathy Z. would not
recommend this plan to a friend or relative.
5 of
5 people found this review helpful
John Hancock
Gold
Paid claim with ZERO hassle. Rough trip - lost Bose headphones between plane and baggage claim. Then arrived at YVR late due to flight delay. Had to take a cab and get a hotel room. Both claims paid with zero hassle. Impressive.
mark m. would
recommend this plan to a friend or relative.
12 of
20 people found this review helpful
International Medical Group
Patriot International Visa
I highly recommend searching for other health plans with other companies. The average rating on this webpage is artificially inflated by people who rate this company highly who only bought the policy and never used it.
I have been told by customer representatives it takes 30 business days for a claim to even begin to be processed. Given that you have to pay upfront and get reimbursed later, this can be problematic if services cost quite a bit of money. Furthermore, I have a claim that I filed over 3 months ago that has yet to be processed. I was told this claim would be "escalated and prioritized" twice and to check in after 15 business days. After waiting those 15 business days, it was revealed that the person I originally spoke with forgot to actually prioritize the claim.
This company has recently been the victim of a cyberattack and they are claiming that as a reason for the delays in claims for good measures. However, now is not a good time to buy a policy as time will only tell how long they will use this hack and CoVid-19 as an excuse for horrible customer service. In my opinion, the lack of cybersecurity measures given by this company not only delays their capacity to provide quality service, but also puts customer's personal information including banking details for reimbursement at risk for hackers.
If you read the fine print of most of their plans, you will see that many things such as pre-existing conditions, mental health coverage, and many other illnesses and conditions are not covered in this plan. This plan gives its policyholders a false sense of security.
I would steer clear from this company. I have experienced nothing but utter incompetence since opening my policy with them and actually using it by filing claims.
I have been told by customer representatives it takes 30 business days for a claim to even begin to be processed. Given that you have to pay upfront and get reimbursed later, this can be problematic if services cost quite a bit of money. Furthermore, I have a claim that I filed over 3 months ago that has yet to be processed. I was told this claim would be "escalated and prioritized" twice and to check in after 15 business days. After waiting those 15 business days, it was revealed that the person I originally spoke with forgot to actually prioritize the claim.
This company has recently been the victim of a cyberattack and they are claiming that as a reason for the delays in claims for good measures. However, now is not a good time to buy a policy as time will only tell how long they will use this hack and CoVid-19 as an excuse for horrible customer service. In my opinion, the lack of cybersecurity measures given by this company not only delays their capacity to provide quality service, but also puts customer's personal information including banking details for reimbursement at risk for hackers.
If you read the fine print of most of their plans, you will see that many things such as pre-existing conditions, mental health coverage, and many other illnesses and conditions are not covered in this plan. This plan gives its policyholders a false sense of security.
I would steer clear from this company. I have experienced nothing but utter incompetence since opening my policy with them and actually using it by filing claims.
Jesse S. would not
recommend this plan to a friend or relative.
3 of
5 people found this review helpful
The trip included a
tour
Nationwide Mutual Insurance
Essential
Due to my father's death we had to cancel a trip to Sweden and Denmark. Once we submitted all the paperwork (electronically), the claim was processed quickly and the payment sent. The amount we requested and substantiated was sent. We did take the time to provide a lot of documentation which probably helped make our claim an easy one to process. I would use Nationwide again for trip insurance.
Cynthia J. would
recommend this plan to a friend or relative.
1 of
3 people found this review helpful
The trip included a
cruise
tour
Generali Global Assistance
Standard
Please forward information on policy coverage for trips cut short by government decree in coronavirus pandemic.
Thank you!
Thank you!
Andrew W. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Nationwide Mutual Insurance
Essential
This travel insurance thing is a pretty good scam. If you look at all of the glowing reviews you see comments like “I didn’t need to use the plan” “...but it gave me piece of mind.” LOL. Seriously? How can you give glowing reviews to something you never used? Folks wake up and look at the ratings for people who DID TRY to use the plan. We purchased this plan months before the Coronavirus even existed. Our vacation to Jamaica had to be canceled because they were quarantining arrivals for 14 days. Fortunately our flight was with airline miles that were given back to us. We got a travel bank credit for tax money that was extended well beyond the normal time frame. The resort also offered a full credit for use until the end of 2021 AND a resort credit of $200 for goodwill even though none of this was their fault. And then we have Nationwide Travel Insurance. We asked for a refund of this unused policy due to a once in a lifetime event so that we could repurchase a plan when we rescheduled our trip. We got “you are outside the 10 day review and cancel window”. Really? Almost every other business in America is bending over backwards to help out customers. Nationwide? Not happening at Nationwide. If you ever need to file a claim with Nationwide, we wish you luck. We will have a hard time EVER purchasing another plan from Nationwide. We look forward to another legalese response just like all of the other ones provided when someone posts a less than stellar review.
James J. would not
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
-
Megan
Thank you for your feedback.
We are happy to hear that Nationwide is able to hold the policy for use on future travel.
Sep 22,2020
The trip included a
cruise
tour
Nationwide Mutual Insurance
Prime
Purchased a plan on 3/5/2020 for a dream trip to Norway. We put together an itinerary including Flights to UK, cruise to Norway from Southhampton and then Cruise to New York on Queen Mary 2. Today was the date on which we had to make the final payment on the cruises. Since the cruise was not until August We thought we might be able to rely on the travel insurance in case one of the cruise lines or the airline cancelled part of the trip. Just to be sure, I called Nationwide customer service to make sure we would be covered. Imagine my surprise to find out that if any of the cancellations were due to coronavirus it would not be covered because it was not a listed peril on the policy. The customer service representative explained that unless the reason for trip cancellation or delay was due to a listed peril in the policy then it was not covered.
An example: The policy states "The company will reimburse you if your miss your connection due to inclement weather" they will reimburse you for expenses and pre-paid nonrefundable trip payments fr the unused portion of your trip. However if the flight is cancelled due to mechanical problems you are up the creek, because that is not a listed peril.
So this is not really insurance, it is a guessing game to see if your crystal ball works well enough to figure out what could possibly go wrong months in advance of your trip and then find a policy from some company that covers all of the stuff you came up with. Good luck with that.
Basically unless you are injured or fall ill or heaven forbid die, due to an unforeseen incident and not related to any of the page full of exclusions, you are covered. If your flight is delayed or canceled due to weather you are covered. Anything else - tough luck.
So it looks like we will get a cruise credit for the cruise portion of the trip and the airlines are also offering free changes for most flights. Nationwide has "voucher program" which MAY offer partial credit to transfer some or all of the cost of your unused travel policy to a future trip. I must say I'm not expecting much after speaking to their "customer service" people.
I'm sure glad automobile and life insurance is better than travel insurance. I think it should be called something else.
An example: The policy states "The company will reimburse you if your miss your connection due to inclement weather" they will reimburse you for expenses and pre-paid nonrefundable trip payments fr the unused portion of your trip. However if the flight is cancelled due to mechanical problems you are up the creek, because that is not a listed peril.
So this is not really insurance, it is a guessing game to see if your crystal ball works well enough to figure out what could possibly go wrong months in advance of your trip and then find a policy from some company that covers all of the stuff you came up with. Good luck with that.
Basically unless you are injured or fall ill or heaven forbid die, due to an unforeseen incident and not related to any of the page full of exclusions, you are covered. If your flight is delayed or canceled due to weather you are covered. Anything else - tough luck.
So it looks like we will get a cruise credit for the cruise portion of the trip and the airlines are also offering free changes for most flights. Nationwide has "voucher program" which MAY offer partial credit to transfer some or all of the cost of your unused travel policy to a future trip. I must say I'm not expecting much after speaking to their "customer service" people.
I'm sure glad automobile and life insurance is better than travel insurance. I think it should be called something else.
Don E. would not
recommend this plan to a friend or relative.
5 of
6 people found this review helpful
Please see the response from IMG iTravelInsured:
"Cathy, it’s IMG’s mission to be there for our members, which means listening to your feedback and making improvements to better serve you. We are sorry IMG did not meet your expectations; help us improve by sharing additional feedback. Please email us at [email protected] to start the conversation. "