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
Nationwide Mutual Insurance
Choice Cruise
Costco Travel offers better prices and protections, but unfortunately this trip wasn't booked through Costco Travel.
Robert S. would
recommend this plan to a friend or relative.
Generali Global Assistance
Premium
Was not able to travel for reasons beyond my doing. had called in and was told that the policy dates can't be changed - would have been nice to be able to adjust to the new travel date.
Frank B. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Prime
Thankfully we had no issues and did not need to use the plan. I gave the middle score (3 stars) because you can't judge the coverage or value of a plan until you need to file a claim.
Laura R. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Choice Cruise
Be sure you understand the difference between Trip DELAY and Trip INTERRUPTION from the Insurer's point of view. It's a difference of a maximum benefit of your trip cost (Interruption) and a maximum of $150 daily (Delay). I still don't understand it.
I was Quarantined in Switzerland during my 2-week trip after testing positive for COVID and was unable to return home as scheduled. I would consider this an Interruption of my trip. Nationwide called it a Delay. As such, I was reimbursed only $450 of my $850 costs for the 2-day interruption. Thankfully it wasn't any longer as the cheapest lodging I could find was $260 nightly.
In addition, after spending 4 hours gathering the plethora of documents and receipts required and mailing it (trying to file multiple documents online was impossible), my claim was delayed for 3 months due to a backlog. I had to call multiple times to get the status of my claim. When my reimbursement finally did arrive, it was short $150 (they misread my claim and only paid for 2 days instead of 3), necessitating another call from me and a wait for final payment.
I think they're reasonably priced if all you're looking for is a trip cancellation in case you get hit by a bus before your trip and can't go, but otherwise I'd look elsewhere.
I was Quarantined in Switzerland during my 2-week trip after testing positive for COVID and was unable to return home as scheduled. I would consider this an Interruption of my trip. Nationwide called it a Delay. As such, I was reimbursed only $450 of my $850 costs for the 2-day interruption. Thankfully it wasn't any longer as the cheapest lodging I could find was $260 nightly.
In addition, after spending 4 hours gathering the plethora of documents and receipts required and mailing it (trying to file multiple documents online was impossible), my claim was delayed for 3 months due to a backlog. I had to call multiple times to get the status of my claim. When my reimbursement finally did arrive, it was short $150 (they misread my claim and only paid for 2 days instead of 3), necessitating another call from me and a wait for final payment.
I think they're reasonably priced if all you're looking for is a trip cancellation in case you get hit by a bus before your trip and can't go, but otherwise I'd look elsewhere.
Kimberly Z. would not
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
WorldTrips
Atlas Journey Preferred
As indicated in my rating, I think I received appropriate coverage for a fair price.
Pamela N. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
John Hancock
Bronze
Fortunately, we completed the trip and did not need to use the insurance. When we scheduled the river cruise in March 2022, this policy seemed to have the best coverage to meet our needs, and a competitive price.
ROBERT G. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
International Medical Group
iTravelInsured SE
I did not file a claim with this plan and so cannot provide an accurate rating. I can say this - For what it covered, it seemed about 20% more expensive than it should have been.
David K. would
recommend this plan to a friend or relative.
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector
Travel Insured gets two stars simply based on the fact that they paid the claim as submitted. However, they lost three stars for multiple reasons. First, I'm very unimpressed with the ability to file a claim online as I kept getting a loop that wouldn't allow submission of the claim. Second, the lack of communication. The only emails I received were the original email sending me the paperwork to complete, three automated "we're sorry for the delay, thank you for your patience" emails and one automated "we've received your email" message. This email was for the second submission sent where I was sending additional information. I never received an acknowledgement for the original submission of the claim and had to call to confirm receipt. Third, I had to call numerous times to get updates. When I began to state that I felt the claim was taking too long, most of the agents I spoke to were polite and professional. One became defensive argumentative despite my statement that I didn't blame her personally and was commenting to put my complaint on record. In the end it took FOUR months and numerous calls to get my claim paid. Finally, when the adjuster called to let me know they were paying my claim, there was no apology for the extreme delay. This would have added a star to my review.
When I filed a claim with another insurer right after Hurricane Harvey hit, it only took two months. COVID has been going on for two years. They should be farther along than this in catching up to handling claims.
When I filed a claim with another insurer right after Hurricane Harvey hit, it only took two months. COVID has been going on for two years. They should be farther along than this in catching up to handling claims.
Jacqueline B. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
cruise
tour
WorldTrips
Atlas Journey Economy
Luckily we did not use the insurance, but it was peace of mind having it in the COVID environment we live in.
valerie c. would
recommend this plan to a friend or relative.
The trip included a
tour
Travelex
Travel Basic
I did not have to worry about losing the money I paid for the trip if I became ill and could not go.
A person on this tour had to be taken to emergency. He did not have insurance, therefore he had to pay a large sum to be treated. I fell on a cobblestone street, but was the only thing injured was my pride, but it could have been me.
On our return three people did not find their baggage. If this had happened to me and it could not be located, I would have been compensated.
A person on this tour had to be taken to emergency. He did not have insurance, therefore he had to pay a large sum to be treated. I fell on a cobblestone street, but was the only thing injured was my pride, but it could have been me.
On our return three people did not find their baggage. If this had happened to me and it could not be located, I would have been compensated.
Margie C. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful