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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.
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The trip included a
cruise
tour
Generali Global Assistance
Standard
We bought travel insurance from Generali Global Assistance. About a month later I had mild back pain. I saw my doctor, he gave me some muscle relaxants and said I'd be fine and I specifically asked him if it was okay to go on my trip. He said yes.
While on my trip I suddenly experienced excruciating back pain. I saw the ship's doctor, got pain medication, rented a wheelchair, and my total medical bills during the trip were $1263.29.
I filed a claim with Generali. I included all of the receipts and documentation they asked for.
They denied my claim, based on the fact that the ship's doctor had written in my exam notes that my doctor at home had seen me for mild back pain before the trip.
Generali decided it was a pre-existing condition. I had MILD pain before I left on the trip. During the trip I developed a herniated disk (and have since had surgery for it.) The injury occurred DURING THE TRIP.
Generali didn't care. I asked if I could send them a letter from my doctor stating that he had told me I was fine and could go on my trip. Generali said it wouldn't matter, it was a pre-existing condition.
I asked if I could appeal the claim, I was told NO.
I asked them what would have happened if I had cancelled my trip because I developed mild back pain. They said I would not have been refunded my money because the medical issue was pre-existing, and the policy only covered medical issues that happened while on the trip.
Keep in mind, I had NO back pain at all and had not seen my doctor when I made the trip plans and purchased the insurance. Quite the Catch 22!
And if had a herniated disk BEFORE I went on the trip, I wouldn't have been able to walk. The herniated disk happened DURING the trip, and I was unable to walk.
But because I had been honest when speaking to the ship's doctor and told him I'd seen my doctor at home for mild back pain before the trip, and my doctor gave me some muscle relaxants and said I was fine, Generali still decided it was pre-existing. My home doctor specifically told me I was fine to go on the trip!
They had no appeal process, nor would they accept a letter from my doctor stating this was not pre-existing.
I DO NOT recommend Generali Global Assistance. They are a scam.
While on my trip I suddenly experienced excruciating back pain. I saw the ship's doctor, got pain medication, rented a wheelchair, and my total medical bills during the trip were $1263.29.
I filed a claim with Generali. I included all of the receipts and documentation they asked for.
They denied my claim, based on the fact that the ship's doctor had written in my exam notes that my doctor at home had seen me for mild back pain before the trip.
Generali decided it was a pre-existing condition. I had MILD pain before I left on the trip. During the trip I developed a herniated disk (and have since had surgery for it.) The injury occurred DURING THE TRIP.
Generali didn't care. I asked if I could send them a letter from my doctor stating that he had told me I was fine and could go on my trip. Generali said it wouldn't matter, it was a pre-existing condition.
I asked if I could appeal the claim, I was told NO.
I asked them what would have happened if I had cancelled my trip because I developed mild back pain. They said I would not have been refunded my money because the medical issue was pre-existing, and the policy only covered medical issues that happened while on the trip.
Keep in mind, I had NO back pain at all and had not seen my doctor when I made the trip plans and purchased the insurance. Quite the Catch 22!
And if had a herniated disk BEFORE I went on the trip, I wouldn't have been able to walk. The herniated disk happened DURING the trip, and I was unable to walk.
But because I had been honest when speaking to the ship's doctor and told him I'd seen my doctor at home for mild back pain before the trip, and my doctor gave me some muscle relaxants and said I was fine, Generali still decided it was pre-existing. My home doctor specifically told me I was fine to go on the trip!
They had no appeal process, nor would they accept a letter from my doctor stating this was not pre-existing.
I DO NOT recommend Generali Global Assistance. They are a scam.
Anna Marie F. would not
recommend this plan to a friend or relative.
8 of
8 people found this review helpful
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector Plus
It turned out to be the best kind of insurance - - the kind I didn't have to use! We shopped for insurance before our trip and C + F offered the best program for our priorities. The peace of mind is invaluable, especially when your entire family is traveling with you!
Brian H. would
recommend this plan to a friend or relative.
The trip included a
tour
Travelex
Travel Basic
I had to unexpectedly file a claim last year when my trip was canceled because my friend was diagnosed with cancer. The company processed the claim promptly with no questions asked. It is very straightforward to process the claim.
M M. would
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
The trip included a
cruise
tour
International Medical Group
iTravelInsured Travel SE
It was great to have if I needed it
Vonda W. would
recommend this plan to a friend or relative.
John Hancock
Gold
I have purchased travel insurance from J. Hancock for trips taken outside the U.S,A. in at leas the last 10 years. The sales rep has always been courteous , polite, informative, efficient and professional. The cost has always been reasonable. I intend to insure with Hancock for all of my future foreign trips.
Harvey W. would
recommend this plan to a friend or relative.
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector Lite
Thank you!!! Is good to know that you are cover if there is an emergency...
Lizia A. would
recommend this plan to a friend or relative.
The trip included a
tour
Generali Global Assistance
Standard
Felt cost was reasonable for services provided in plan. Fortunately, did not have to use but could travel without
worry, knowing that I was covered in case of unplanned event. Would use again.
worry, knowing that I was covered in case of unplanned event. Would use again.
Roberta D. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Travelex
Travel Select
Though we didn't need to use the plan on this trip, I had a peace of mind having the medical coverage while on a ship. At our age "over 65", medical issues were our greatest risk. The price was very reasonable. I will buy it again if we cruise again.
Richard D. would
recommend this plan to a friend or relative.
C&F Travel Insured International
Worldwide Trip Protector
While I did not have a claim on this trip, the coverage provides peace of mind should something happen. I did file a claim on a different C&F policy a year ago and the claim was paid completely, saving me $4,000 of out-of-pocket expenses.
Paul L. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
The insurance I bought was fair and reasonable.
Alan K. would
recommend this plan to a friend or relative.
"We're sorry to hear about the circumstances surrounding your claim, and for not meeting your expectations. We want our customers to understand the coverage details of our plans and stress the importance of reviewing these details via the sample Description of Coverage/Insurance Policy that’s provided at the time of purchase, and contacting (800) 348-9505 or [email protected] with additional questions. The plan you purchased includes medical coverage resulting from a sickness that first manifests itself or an injury that occurs while on a trip as outlined on your coverage details. If you have further questions, please contact us at the phone number or email above."