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
tour
Berkshire Hathaway Travel Protection
ExactCare
There was no need to file a claim.
Colin G. would
recommend this plan to a friend or relative.
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Brittany GBerkshire Hathaway Travel Protection
Thank you for your feedback, we appreciate it!Oct 30,2019
The trip included a
cruise
tour
Generali Global Assistance
Preferred
The point of insurance is you pay for it and hope you never need it. We did not but were thankful we had it!
Randall L. would
recommend this plan to a friend or relative.
Berkshire Hathaway Travel Protection
ExactCare
I love the price.
Felipe L. would
recommend this plan to a friend or relative.
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Brittany G
Berkshire Hathaway Travel Protection
Thank you for your feedback, we appreciate it!Oct 30,2019
The trip included a
cruise
Nationwide Mutual Insurance
Universal Cruise
Fortunately, we did not need to use the insurance. It is a comfort to know that it is there in case we do.
Michael Y. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Classic
Couple days before I went to Barcelona, the city erupted in demonstrations. Airport shut down. Roads shut down. Mass demonstrations. Many people injured. Wanted to cancel the trip, but HTH says that is not a covered event.
So I went. First night, mass demonstration couple blocks from my hotel got out of hand. Barricades burning in the street in front of the hotel, and anti-tourist graffiti spray painted on the hotel's front door. Parked cars torched on the street around the corner.
Couple days later, general strike and over 500,000 demonstrators in the streets. Metro, buses, tourist sights (Sagrada Familia), and most stores shut down.
Every day, demonstrations somewhere turning violent. TV news showing molotov cocktails being thrown at the police and all the rest of the chaos.
But that is not a covered reason to cancel. Just...Have a nice vacation.
So I went. First night, mass demonstration couple blocks from my hotel got out of hand. Barricades burning in the street in front of the hotel, and anti-tourist graffiti spray painted on the hotel's front door. Parked cars torched on the street around the corner.
Couple days later, general strike and over 500,000 demonstrators in the streets. Metro, buses, tourist sights (Sagrada Familia), and most stores shut down.
Every day, demonstrations somewhere turning violent. TV news showing molotov cocktails being thrown at the police and all the rest of the chaos.
But that is not a covered reason to cancel. Just...Have a nice vacation.
JOHN R. would not
recommend this plan to a friend or relative.
5 of
5 people found this review helpful
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Carol
Thank you for your feedback. We are glad to hear that you made it home safely. Unfortunately, civil unrest is not a covered reason to cancel your trip in any travel insurance plan. Civil unrest is not included in the definition of a "Terrorist Incident (which) means an incident deemed a terrorist act by the United States Government that causes property damage or loss of life."
In order to have coverage for cancelling this trip, you would have needed to purchase the optional Cancel for Any Reason coverage.Nov 05,2019
The trip included a
tour
C&F Travel Insured International
Worldwide Trip Protector Lite
basis for claim was within coverage time. Solution fell outside the original time frame. The adjustor and I had different interpretations about the flexibility of the policy. She won, I did not push.
Barnabas K. would
recommend this plan to a friend or relative.
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Carol
Thank you for your feedback. However, it is true that not only must the claim have occurred during the policy term, the additional expense must also be incurred during that coverage term. A good example is a traveler waiting until returning home before seeking medical treatment for an injury that occurred during the trip. There would be no reimbursement under a travel insurance policy for medical expenses incurred once you returned home.
InsureMyTrip is open 7 days a week, 365 days a year, and our customer care representatives are licensed insurance agents who are able to recommend the most cost effective plans which will cover the travelers primary concerns. If you would like to receive assistance in obtaining a quote or purchasing a policy, please call us at 800-487-4722 as we would be happy to assist you.Nov 05,2019-
BarnabasK
Sorry for the delayed response. This is what I thought: I had a normal policy. Coverage for cancellation, for covered causes, began at time of purchase. The original trip included a visit of my daughter. Her newly scheduled operation, just a few days before the starting date of my travel, required that I depart earlier than scheduled and return later (the total trip duration was 30 days).
By the time United Airlines adjusted my schedule I had to purchase the outgoing flight and use my already invested miles for the return flight.
In the pre-departure hurry I did not call you; I thought the event was covered and notification after arrival to Toronto would not affect our relations. The changes and costs were all before the original termination date of the policy; I had no claim for thet period.
I think the problem is that travel insurance policies/adjustors do not consider when the the cause of a claim is within the coverage period, but the resulting costs are incurred outside the orginal travel dates. I don't know how normal coverage can deal with situation; a little extra good will might have helped.
I had no time to think this through and took your agen's word. Under calmer conditions I probably would have engaged in a more substantive debate.
This is how I see it now. The technicality of "late reporting" could have been overlooked and the claim handled with a more open mind. What if I'd had the presence of mind to call you before I made the flight changes? It would have not altered any of the relevant facts.
That's it. What do you think?Nov 14,2019
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Carol
I'm very sorry for the delay in replying to your question. Travel insurance policies are very specific and determine payment based on the plans terms and conditions.Dec 13,2019-
BarnabasK
That's OK. I'm late, too. In any case, this was a closed case with the insurance company, inasmuch as I elected not to pursue the matter. Since the situation is not likely (I hope) to happen again, I won't pursue it as an academic matter. You are right, even the best-looking policy needs to be scrutinized before finalk acceptance. What happened is simply not something antoicipated by the creators of the text, the agents could not lean towards the "benefit the customer" direction. Soo . . Have a nice holiday season.Dec 15,2019
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International Medical Group
iTravelInsured Travel SE
It was a good feeling to have an affordable medical trip insurance / it was not needed but ...
Vera S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Travelex
Travel Select
Expensive but comforting
Ronald A. would
recommend this plan to a friend or relative.
International Medical Group
iTravelInsured Travel LX
Glad I didn’t need to use the insurance!
Roselyn A. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
We had to cancel the trip due to what was happening in Barcelona. The airport was cloed and rioting was all over the city. People could not even get to the airport. This went on all week. We were supposed to fly on Wednesday and cancelled the trip. American airlines finally refunded my money. On Monday 53 people were injured at the the airport and the worst day of rioting in the city was Friday.
We did not go. Onthe 14th, the airport was closed and 53 people were injured there.I cancelled the flight on the morning of the 16th due to problems all over the city.People could not even get to the airport, ships docked in other cities and rioting broke out all over. This to me was terrorist attacks created by the Catalon seperatists against the Spanish government. American Airlines finally refunded my money. The insurance was useless.
We did not go. Onthe 14th, the airport was closed and 53 people were injured there.I cancelled the flight on the morning of the 16th due to problems all over the city.People could not even get to the airport, ships docked in other cities and rioting broke out all over. This to me was terrorist attacks created by the Catalon seperatists against the Spanish government. American Airlines finally refunded my money. The insurance was useless.
Susan C. would not
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
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Carol
Thank you for your feedback. We regret that your Nationwide Essential plan did not meet your expectations.
Trip cancellation is a standard benefit offered with most travel insurance comprehensive plans. This travel insurance benefit provides reimbursement of your pre-paid, non-refundable expenses should you need to cancel your trip unexpectedly for a covered reason.
In all comprehensive travel insurance policies there will be an included list of covered reasons for cancellation. These are situations the insurance company considers legitimate as factors in making the decision to cancel your trip. It’s essential that you are familiar with this list of covered reasons in any insurance policy you’re considering purchasing since these are guidelines by which any claim you may need to file will be judged. The plan certificate is available for you to read before making a purchase.
After reading through the plan certificate, you may not be comfortable with the list of covered reasons provided to you. You may need more flexibility in making the decision to cancel your trip, you may want to consider purchasing a Cancel for Any Reason benefit.
InsureMyTrip is open 7 days a week, 365 days a year, and our customer care representatives are licensed insurance agents who are able to recommend the most cost effective plans which will cover the travelers primary concerns. If you would like to receive assistance in obtaining a quote or purchasing a policy, please call us at 800-487-4722 as we would be happy to assist you.Nov 01,2019