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.
Nationwide Mutual Insurance
Essential
It is difficult to rate a plan when you did not have to file a claim. My ratings would have been far different if I had to file a claim. Ratings would be very positive if the claim was easy to file, processed quickly, and resulted in losses being covered. Any difficulties would have resulted in negative ratings.
Micki R. would
recommend this plan to a friend or relative.
The trip included a
tour
WorldTrips
Atlas Journey Economy
My wife and I both got sick while in the Netherlands and thought we'd have to cancel a bike tour. I contacted WorldTrips and found that I needed a note from a doctor. OK, reasonable. They said they'd provide a referral. A day later, they finally contacted me with a number that can't be dialed from a US phone. After some work I found a local number for the same office but they only provide emergency service (major bleeding, a bone sticking out of you, etc.). They referred my to someone else but, in the Netherlands, you cannot see a doctor without having pre-registered with a doctor - a process that takes weeks. The hospital emergency department only takes "real emergencies" like heart attack, major trauma, stroke. For anything else you have to see that doctor that you can't see. A very few cities have a "hotel doctor" but not the major city we were in. At one point I did manage to actually talk to a doctor's office and they confirmed that it's just not possible to see a doctor without a referral from your assigned physician and that can take weeks if you don't have an assigned "gatekeeper" physician. Hotel staff and local friends confirmed that the Dutch medical system is screwed up for both citizens and visitors.
This policy is useless since it has requirement for you to do something that can't be done. Also, their medical referral service is slow and gives inaccurate information - useless.
Next trip I'll save my money and take my chances.
This policy is useless since it has requirement for you to do something that can't be done. Also, their medical referral service is slow and gives inaccurate information - useless.
Next trip I'll save my money and take my chances.
James M. would not
recommend this plan to a friend or relative.
Generali Global Assistance
Standard
My experience with filing my claim was far from satisfactory. The customer service was impossible to reach and when they were reached, very poor service. I would not recommend this company to my worst enemy!
In the future I will consider that a reasonable price is no guarantee of hood service.
In the future I will consider that a reasonable price is no guarantee of hood service.
Helen H. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Angie
Thank you for sharing your experience with us, Helen. We’re sorry for the inconvenience and will use your feedback to improve the claims process. We take customer service and the claims review process very seriously and strive to provide a fair, equitable and timely process for all customers. If you have any additional questions or would like to speak to one of our dedicated customer service reprentatives, please reach out to us at (800) 348-9505 or via email at [email protected].Aug 04,2023
The trip included a
cruise
Trawick International
Safe Travels Voyager
It's hard to review a product that you didn't have to use (e.g. filing a claim). You can rate it on costs, coverage, and how straight forward their info was. But to truly earn 5 stars requires the unfortunate need to file a claim. I had to do just that for my recent cruise. I filed a claim 3 days after returning from our trip. I received one timely follow-up email requesting some additional documentation which I promptly provided.
They were able to use the documentation provided to certify my claim and issue a check within about four weeks. This is exactly what I like to see in the claims process.
I highly recommend Trawick based on this experience with them!
They were able to use the documentation provided to certify my claim and issue a check within about four weeks. This is exactly what I like to see in the claims process.
I highly recommend Trawick based on this experience with them!
Robert M. would
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
Generali Global Assistance
Standard
Filing a claim was difficult by uploading all 5 documents- required written proof of delay from airport which was time consuming; Got no response from Generali until I called- had to communicate via "chat" not a person; rep said they would forward my issue to a rep - which should not have been necessary to have to ask; finally got a response a week later after I called that they would be reimbursing us for hotel and extra night of parking. Received last email two months after flight was cancelled.
Beth T. would not
recommend this plan to a friend or relative.
-
Angie
Hello Beth. We’re sorry for the inconvenience and will use your feedback to improve the claims process. Thanks for buying a Generali travel insurance plan.
Jul 31,2023
Nationwide Mutual Insurance
Essential
I am so disappointed with the fact that you are not assisting us with our loss of time and money. Our trip was delayed because of the airline not because of any fault of our own. Please know that I bought this insurance to make sure if anything happened we would be reimbursed if something happened out of our control. Please review our case again. We lost so much. Thank you, Gail Simpson and Donald Jarvis
Donald J. would not
recommend this plan to a friend or relative.
6 of
6 people found this review helpful
Nationwide Mutual Insurance
Essential
Nationwide Mutual Insurance hides behind bureaucracy to delay processing claims.
I had a family doctor visit (non-emergency, neither requiring hospitalization) during my international trip. I submitted a claim for only $60, after few weeks I got an email from Nationwide Travel Claims asking me to submit a letter/documentation from my primary insurance stating if my policy does cover medical expenses incurred outside of the United States. I contact my primary insurer who explains in a letter that they ONLY cover excess of $350, and ONLY for emergencies or hospitalization.
After few weeks, I receive another email from Nationwide Travel Claims asking me to provide a copy of my primary health insurer’s Explanation of Benefits indicating the amount paid or denied for the submitted charges, which THEY KNOW that I cannot provide because my primary health insurer won't cover those charges as documented in the letter that I already sent them the first time they contacted me.
In summary, **Nationwide hides behind bureaucracy to delay processing the claims**
I had a family doctor visit (non-emergency, neither requiring hospitalization) during my international trip. I submitted a claim for only $60, after few weeks I got an email from Nationwide Travel Claims asking me to submit a letter/documentation from my primary insurance stating if my policy does cover medical expenses incurred outside of the United States. I contact my primary insurer who explains in a letter that they ONLY cover excess of $350, and ONLY for emergencies or hospitalization.
After few weeks, I receive another email from Nationwide Travel Claims asking me to provide a copy of my primary health insurer’s Explanation of Benefits indicating the amount paid or denied for the submitted charges, which THEY KNOW that I cannot provide because my primary health insurer won't cover those charges as documented in the letter that I already sent them the first time they contacted me.
In summary, **Nationwide hides behind bureaucracy to delay processing the claims**
Miguel M. would not
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
Nationwide Mutual Insurance
Essential
Purchased land arrangements then 12 days later purchased airfare. Understood financial default covered if purchase within 10 days of initial purchase and within 10 days of any additional arrangements purchased, so figured whole trip cost covered. After all, couldn't purchase for full amount until after got air fare to get there. Land supplier defaulted & stole our money. Filed claim. Twice they said they hadn't received my claim documents. Third time they decided I should have purchased within 10 day sof land arrangements, then somehow amended my purchase to add the airfare after I purchased it, & so denied default claim for land arrangements. Policy language certainly misleading, & I've been a lawyer for 42 years so if I didn't understand it...how could a non-lawyer? I won't purchase a Nationwide policy ever again.
Andrew T. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
IMT
Academic Explorer Discoverer
We had to cancel my daughter's trip due to an injury that required surgery. I was pleased that the company sent us a check for the entire insured amount without any fuss after I filed the claim. Will definitely use them for future trips.
Hope F. would
recommend this plan to a friend or relative.
The trip included a
tour
International Medical Group
iTravelInsured Travel SE
We DID need to file a claim. We were planning a family trip to Africa with the whole family including the grandchildren. Unfortunately, we couldn't go, but we had already paid a very large deposit and had paid for all the airfare. Each family bought a separate policy. Our children chose the policy offered by the travel company. We chose ITravelInsured. Our policy was less expensive, more comprehensive, and faster to reimburse. However, that said, it took a long time and much paperwork to get our refund. One hint I learned is to insure the airfare as well as the tour/cruise/staycation. We learned that most airlines won't reimburse you, even by letting you use a credit on that airline at a later date unless you are flying first class (not business class). Fortunately, most of the family did insure their airfare, which these days is often more than the trip itself. ITravelInsured helped us all along the way with good advice and encouragement. This was helpful because there was so much paperwork.
Susan B. would
recommend this plan to a friend or relative.
3 of
5 people found this review helpful