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.
Generali Global Assistance
Preferred
Good coverage
Actually had to use it - needed antibiotic on my trip.
Saved receipts - got a full refund on the same day as submitted.
The claims process is onerous - needed to upload doctor's info and notes, etc. as well as proof of age (unexpected...)
If you have online access to your records - this is not an issue - else you will be chasing data...
Actually had to use it - needed antibiotic on my trip.
Saved receipts - got a full refund on the same day as submitted.
The claims process is onerous - needed to upload doctor's info and notes, etc. as well as proof of age (unexpected...)
If you have online access to your records - this is not an issue - else you will be chasing data...
Barbara C. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
Generali Global Assistance
Standard
The process of getting the policy was clear and straightforward, which is not always the case with such products. Didn't have to file a claim, though. We'll use this outfit again for our next trip.
James K. would
recommend this plan to a friend or relative.
Generali Global Assistance
Standard
Filed a claim in January and realizing their policy for reimbursement is unfair and makes it incredibly difficult to obtain appropriate reimbursement. Do not purchase !!! Choose another .
John L. would not
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
-
Angie
Thank you for sharing your feedback, John. We're sorry we did not meet your expectations as we take reviewing and responding to claims very seriously and want customers to understand the coverage details of our plans. We cannot stress enough that it is important to review these details via the sample Description of Coverage/Insurance Policy that’s provided at the time of purchase, and contact us at (800) 348-9505 or via email at [email protected] with any additional questions. We're pleased to advise that your claim has since been finalized and you should have received an email to your address on file from a dedicated team member. If you have any further questions regarding the coverages under this plan, please reach out to us at the number or email provided above.Apr 27,2023
The trip included a
tour
AIG Travel
Travel Guard® Preferred
AVOID TRAVEL GUARD AND AIG INSURANCE CO
We bought AIG Travel Guard to cover our flights and rafting trip in the Grand Canyon. Our Airline (American) cancelled our flight at midnight, 8 hrs prior to departure, and couldn’t offer same day departure on another flight. We had to buy new tickets on a different airline in order to arrive in time to depart on our rafting trip. After 6 months of trying, both the ticket agent and the airline refused to refund us for the full cost of our original tickets and the additional cost of last minute booking on a different airline. We turned to AIG for coverage and our claim was denied because they said the airline cancelling your flight is not a covered reason if it occurs prior to your trip - even 8 hours prior when you have no other options. The policy will cover you if your pet gets sick and you miss your trip, so a sick hamster will get your money back but not an airline cancelling your flight. Wouldn’t you think travel insurance would cover the airline cancelling your flight before covering a sick hamster? AIG’s Travel Guard doesn’t.
Furthermore, our claims experience was a complete disappointment. First, we submitted all required documents with our claim. About 4 weeks passed and then AIG asked for all the documents again. We responded that we had submitted everything with the original claim and asked for clarification on what they were missing. There was no response and then several more weeks of silence went by and we received our denial. All the communications we received from AIG end by saying to please call with any questions. So, we called to speak with someone about our claim. The person who answered was clearly reading from a script and was incapable of providing anything other than the scripted answer. This was evident because we were read the same scripted answer multiple times. We then asked to speak with the adjuster about our claim and were promised a call. That call never came.
We did read the policy prior to purchasing it and consider the policy language vague at best. The average person would have significant difficulty knowing whether a potential travel issue would be covered under this product, and there are scenarios like ours that could affect your trip but that you wouldn’t think to ask about ahead. Except for your hamster suddenly becoming ill - that’s covered, no need to ask.
We also think Insuremytrip.com could do a better job of pointing out common travel issues that aren’t covered, and that this should be part of the comparison tool.
We bought AIG Travel Guard to cover our flights and rafting trip in the Grand Canyon. Our Airline (American) cancelled our flight at midnight, 8 hrs prior to departure, and couldn’t offer same day departure on another flight. We had to buy new tickets on a different airline in order to arrive in time to depart on our rafting trip. After 6 months of trying, both the ticket agent and the airline refused to refund us for the full cost of our original tickets and the additional cost of last minute booking on a different airline. We turned to AIG for coverage and our claim was denied because they said the airline cancelling your flight is not a covered reason if it occurs prior to your trip - even 8 hours prior when you have no other options. The policy will cover you if your pet gets sick and you miss your trip, so a sick hamster will get your money back but not an airline cancelling your flight. Wouldn’t you think travel insurance would cover the airline cancelling your flight before covering a sick hamster? AIG’s Travel Guard doesn’t.
Furthermore, our claims experience was a complete disappointment. First, we submitted all required documents with our claim. About 4 weeks passed and then AIG asked for all the documents again. We responded that we had submitted everything with the original claim and asked for clarification on what they were missing. There was no response and then several more weeks of silence went by and we received our denial. All the communications we received from AIG end by saying to please call with any questions. So, we called to speak with someone about our claim. The person who answered was clearly reading from a script and was incapable of providing anything other than the scripted answer. This was evident because we were read the same scripted answer multiple times. We then asked to speak with the adjuster about our claim and were promised a call. That call never came.
We did read the policy prior to purchasing it and consider the policy language vague at best. The average person would have significant difficulty knowing whether a potential travel issue would be covered under this product, and there are scenarios like ours that could affect your trip but that you wouldn’t think to ask about ahead. Except for your hamster suddenly becoming ill - that’s covered, no need to ask.
We also think Insuremytrip.com could do a better job of pointing out common travel issues that aren’t covered, and that this should be part of the comparison tool.
Dallas V. would not
recommend this plan to a friend or relative.
14 of
14 people found this review helpful
-
Angie
We at AIG Travel apologize for any challenges you experienced with your claim. Claims are adjudicated based on the coverage purchased and supporting documentation submitted. If you would like assistance with contacting your Claim Adjuster to further review the outcome of your claim and the benefits available, please let us know.
Apr 25,2023-
DallasV
To anyone consider AIG Travel Guard, this reply from AIG is representative of the level of customer service you can expect from AIG should you ever have a claim. My review states we were promised a call from our claim adjuster, and the claim adjuster never called. Now, the response from AIG asks if we want assistance contacting our Claim Adjuster.
Angie @ AIG - we are still waiting for a call from the claim adjuster that we requested months ago, so please follow up on the original request for the claim adjuster to call us.
Thank you.May 01,2023
-
International Medical Group
iTravelInsured Travel SE
Three of us tested positive for covid during our trip and had to quarantine and delay our return for three days. Our doctors prescribed Paxlovid and we returned home as soon as we tested negative. IMG has used every trick in the book to delay and deny coverage. They are not acting in good faith and repeatedly demand data that has been submitted multiple times. They now will not accept the doctor's message approving Paxlovid and the Paxlovid prescriptions as proof of covid. IMG is demanding the covid test strips. Who has ever saved a used test strip. I have filed a complaint with the California Insurance Commision and it looks like I will have to file a lawsuit to get IMG to live up to their obligations. AVOID IMC AT ALL COST. It is the worst company I have ever dealt with and is causing terrible stress and anxiety.
Herbert H. would
recommend this plan to a friend or relative.
-
Kaylie
Thank you for your feedback. IMG has provided the following response:
"Thank you for sharing your feedback about International Medical Group® (IMG®). We are sorry we did not meet your expectations. We value your opinion and want to learn more about your experience with IMG so we can improve to better serve you in the future. Please email us at [email protected] to start the conversation."May 03,2023
The trip included a
cruise
International Medical Group
iTravelInsured Travel SE
This was the first time we have had to file a claim. My husband got sick on a cruise and ended up with a $8,500 medical bill. We did have to pay it out of pocket, but we were reimbursed for the entire amount. Very easy process and we had the money in our account in approximately 30 days. I would definitely use this company again.
John R. would
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
The trip included a
tour
Nationwide Mutual Insurance
Essential
Every Insurance plan looks good before you need to use it. When it's needed you really get to see what the company is all about. I wIll NEVER chose this company for travel insurance again. My father passed away and we were unable to take the trip we planned. This company just compounded our grief several-fold. Nationwide strung out the claim process, asking repeatedly for information that I wasn't even asking reimbursement for ( airline tickets). Icelandic air reimbursed me within 3 days when I called to cancel the flight due to my fathers death. They did not have to do that but they did. I never requested airline reimbursement from Nationwide. I was assured 2x's with my phone calls and inquiries that they had everything they required and the claim was being processed, and being reviewed by an adjuster. Today the day the check was to be mailed, low and behold another email asking for an airline agreement. Today I was feed up and called INSUREMYTRIP to be my advocate, they contacted the insurers rep and guess what, they again requested the airline agreement that isn't required. Always buy your travel insurance through this agent, then if problems arise you have an advocate. Chose a different provider than Nationwide. As a side note, my fathers life insurance policies all paid before this travel insurance policy.
Matthew A. would not
recommend this plan to a friend or relative.
12 of
12 people found this review helpful
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Carol
We are very sorry to hear that your father passed away during your trip and regret that you experienced so many problems in the claims process.
Neither Nationwide nor InsureMyTrip wish to make this process so very difficult especially during such a difficult time.
We are glad to know that a Customer Advocate was able to assist you on your claim and confirm with Nationwide that your check was mailed. If we can be of further assistance, please let us know.Jun 26,2018
Trawick International
Safe Travels Voyager
This trip insurance really works! We lost one day of our vacation because the aircraft had mechanical problems and we spent the first night of vacation in Charlotte instead of at the all-inclusive resort we had paid for in St. Lucia. I filed my claim to get reimbursed for the lost night for my wife and I and was reimbursed without any issues. It was a pretty straight forward process, I highly recommend this this company.
John B. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
cruise
International Medical Group
iTravelInsured Travel SE
It is hard to say if the Co. was good or bad. Did not make a claim. From what I understand most of these companies make you jump thru many hoops to collect.
Robert L. would
recommend this plan to a friend or relative.
The trip included a
tour
Generali Global Assistance
Standard
It gave me peace of mind to have this coverage while i vacationed in Italy.
Kathleen L. would
recommend this plan to a friend or relative.