Travel Insurance Reviews Comprehensive Plans
Comprehensive plans offer the most benefits, including Trip Cancellation and Trip Interruption. These plans provide the best protection for the investment you have made in your trip.
To learn more, read our Comprehensive Plans article.
The trip included a
cruise
WorldTrips
Atlas Journey Preferred
I crushed my pinky finger in a door in Costa Rica and had to have it cleaned, stitched, x-rayed and splinted, which happened in a variety of little towns with varying degrees of medical facilities over a series of days. (They did a great job, but the teeny town where it happened didn't have X-ray equipment.) There were several different bills, which I paid both on site in Costa Rica and once I got back home. I uploaded all the invoices to WorldTrips Atlas, and just as I was about to follow up after about 10 days, a check for the entire amount showed up in the mail. So, communication was minimal, but they paid in full and the travel insurance was well worth it, even for just a pinky injury.
My main complaint is the unnecessary opaqueness of the process when I contacted them immediately after my injury. Only after I called their assistance services was I told that: 1. This travel insurance only reimburses (does not pay at the time) unless you are admitted to a hospital, and 2. That the assistance line is for emergencies only, not claims. The claims line is only open M-F 8:30 am to 5 pm EST, which is shocking considering people are literally traveling all over the world, in every time zone. The claims line does have a voice message at all hours, but only if you call during its business hours does the voice message say you can and should file your claim online, and gives a web address. Which I misunderstood because it's CBPConnect.com, but I heard as CBTconnect (so that could've been more clear). And why wouldn't that message be played during non-business hours also? When I was unsure how the process worked and what I should do, this odd level of unhelpfulness just added to my stress.
But overall, it worked and I ended up happy with my coverage.
My main complaint is the unnecessary opaqueness of the process when I contacted them immediately after my injury. Only after I called their assistance services was I told that: 1. This travel insurance only reimburses (does not pay at the time) unless you are admitted to a hospital, and 2. That the assistance line is for emergencies only, not claims. The claims line is only open M-F 8:30 am to 5 pm EST, which is shocking considering people are literally traveling all over the world, in every time zone. The claims line does have a voice message at all hours, but only if you call during its business hours does the voice message say you can and should file your claim online, and gives a web address. Which I misunderstood because it's CBPConnect.com, but I heard as CBTconnect (so that could've been more clear). And why wouldn't that message be played during non-business hours also? When I was unsure how the process worked and what I should do, this odd level of unhelpfulness just added to my stress.
But overall, it worked and I ended up happy with my coverage.
Stephanie F. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Had to make a trip delay claim. It took about 3 weeks to receive payment, but that isn’t excessive. The Nationwide website could be improved, but the process was fairly easy.
Daniel S. would
recommend this plan to a friend or relative.
The trip included a
cruise
International Medical Group
iTravelInsured Travel SE
Since we didn’t need it there is nothing to review
William C. would
recommend this plan to a friend or relative.
The trip included a
tour
International Medical Group
iTravelInsured Travel SE
Thankfully I didn't have to use the insurance. Hard to evaluate all aspects of the plan. I've used this policy in the past but never a claim. One feature is the ability to increase coverage with additional premiums as you incur additional trip costs.
Karen S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
AXA Assistance USA
Gold
One of the primary reasons for purchasing this plan was because they supposedly provided PRIMARY medical coverage. My husband and I came down with 2 medical issues on a cruise which required seeing the ship’s doctor. When we returned home, I called AXA and requested a claim form (don’t bother sending an email. They will send an acknowledgement but won’t respond otherwise). When I reviewed the claim form, I was shocked to find that this is actually SECONDARY coverage, because coverage is only on an EXCESS BASIS, i.e, they require that you file with your primary insurer first and provide a copy of the primary insurer’s EOB. As I know that my primary insurer will not cover 100% of the medications, it means I have to jump through a bunch of hoops just to receive a very small payout from AXA.
I checked Squaremouth’s website for this same policy, and it states medical coverage is PRIMARY. InsureMyTrip has NO information on this point. Buyer Beware with AXA.
I checked Squaremouth’s website for this same policy, and it states medical coverage is PRIMARY. InsureMyTrip has NO information on this point. Buyer Beware with AXA.
Sharon M. would not
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Getting Type A Influenza in a foreign country after a cruise is not fun! Nationwide's online claim form is wonky, but they did reimburse me after I sent in all of the information required. Their 24-hour emergency line representative was very helpful in explaining exactly what I needed to do in order to file a claim. My health insurance paid for the medical bills and Nationwide reimbursed me for my replacement airline ticket and the extended hotel stay for 3 nights.
Julie F. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
I chose my plan based on the reimbursements that would be available for cancellation; trip interruption; baggage loss and the medical, and more. I luckily did not have to file a claim but felt good about the level of coverage I would have.
Loretta S. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
John Hancock
Silver
Didnt have to use it thankfully! Was easy to sign up and seemed like this policy was the best value for what I needed. Liked using Insuremytrip to research plans
Valerie M. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Easy to understand and purchase. Did not have to file a claim, so I do not have a review for that portion.
James B. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
HTH Worldwide
Trip Protector Classic
Without making a claim it is hard to rate the plan without actually using it.
Raymond L. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful