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
International Medical Group
iTravelInsured Travel LX
Insurance Buyer Beware: Trip Interruption "for any reason" does not mean “for any reason”
Well, we recently travelled to Asia and bought an insurance policy called the "International Medical Group iTravelInsured LX plan". The policy from United States Fire Insurance/IMG iTravelInsured LX states the following in their contract "Interruption for Any Reason Benefit - up to 75% of Non-Refundable Trip Cost Insured"
Thus, in order to ensure we would be covered for all possible interruptions or delays, we spent the extra $ to get “Cancel for any reason” and “Trip Interruption for any reason”.
Soon after our travel began (first 24 hours) we faced a travel interruption at the airport, forcing us to buy new tickets and delaying our trip by 3 days. 2 weeks later in the trip we incurred another travel airline related interruption and also incurred lost baggage.
When we filed a claim for the 2 interruptions and lost baggage cases iTravelInsured rejected all 3 claims outright. The only written denial was related to the first, (and primary loss of $3,600) which was rejected because the “fine print” in the iTravelInsured LX plan states that payment for trip interruption could only be exercised 48 hours after the trip has started. We received verbal communication at that time from iTravelInsured that therefore we were also not eligible for the other 2 claims either.
Fortunately there is a formal grievance process for each loss which we filed along with tons of paperwork. After submission iTravelInsured did reluctantly pay for the second and third claim, but not the one that fell within the 48 hour exclusion.
So my advice to those reading this on insuremytrip is to note that it appears that you cannot ever get guaranteed coverage for the full length of your trip, from Travel delay through Trip Interruption, that “trip interruption for any reason” does not mean “for any reason”, and I would urge prospective insurers to re-consider buying these extended coverages or look elsewhere for policies that might cover your whole trip.
Also, given the reluctance by United States Fire Insurance/IMG iTravelInsured to fairly pay our claim the first time without going through formal grievances, I would suggest buyers to consider other policies on insuremytrip. We have bought insurance for dozens of trips and other than this company, when we have had to file a legitimate claim, the claims have been honored in a timely fashion the first time.
Well, we recently travelled to Asia and bought an insurance policy called the "International Medical Group iTravelInsured LX plan". The policy from United States Fire Insurance/IMG iTravelInsured LX states the following in their contract "Interruption for Any Reason Benefit - up to 75% of Non-Refundable Trip Cost Insured"
Thus, in order to ensure we would be covered for all possible interruptions or delays, we spent the extra $ to get “Cancel for any reason” and “Trip Interruption for any reason”.
Soon after our travel began (first 24 hours) we faced a travel interruption at the airport, forcing us to buy new tickets and delaying our trip by 3 days. 2 weeks later in the trip we incurred another travel airline related interruption and also incurred lost baggage.
When we filed a claim for the 2 interruptions and lost baggage cases iTravelInsured rejected all 3 claims outright. The only written denial was related to the first, (and primary loss of $3,600) which was rejected because the “fine print” in the iTravelInsured LX plan states that payment for trip interruption could only be exercised 48 hours after the trip has started. We received verbal communication at that time from iTravelInsured that therefore we were also not eligible for the other 2 claims either.
Fortunately there is a formal grievance process for each loss which we filed along with tons of paperwork. After submission iTravelInsured did reluctantly pay for the second and third claim, but not the one that fell within the 48 hour exclusion.
So my advice to those reading this on insuremytrip is to note that it appears that you cannot ever get guaranteed coverage for the full length of your trip, from Travel delay through Trip Interruption, that “trip interruption for any reason” does not mean “for any reason”, and I would urge prospective insurers to re-consider buying these extended coverages or look elsewhere for policies that might cover your whole trip.
Also, given the reluctance by United States Fire Insurance/IMG iTravelInsured to fairly pay our claim the first time without going through formal grievances, I would suggest buyers to consider other policies on insuremytrip. We have bought insurance for dozens of trips and other than this company, when we have had to file a legitimate claim, the claims have been honored in a timely fashion the first time.
Stephen E. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
-
IMG RR Team Account
International Medical Group
It’s IMG’s mission to be there for our members, which means listening to your feedback and making improvements to better serve you. We are sorry IMG did not meet your expectations; help us improve by sharing additional feedback. Please email us at [email protected] to start the conversation.Oct 09,2019
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Although I did not need to file any claim for this trip, it was comforting to know that I was covered if the need should arise.
Michelle K. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
Didn't need to use it, but glad it was there. Easy to compare and purchase.
Ruth M. would
recommend this plan to a friend or relative.
The trip included a
tour
International Medical Group
iTravelInsured Travel SE
Glad that we had the plan Incase it was needed. Fortunately all went well during the trip.
Monica H. would
recommend this plan to a friend or relative.
C&F Travel Insured International
Worldwide Trip Protector Plus
When I filed the claim the insurance took too long to respond and when they reached out to me they asked for documents that were not available in the country where I received medical treatment (They asked for credit card statement or copy of check-in a country that trade with cash). They also asked for extensive medical documentation that doctors abroad don't provide unless ordered by a judge or by police. The insurance finally paid the claim with whatever statement I provided (Claim was for $29 medical expenses).
Mehdi D. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
tour
International Medical Group
iTravelInsured Travel SE
Have used Insure My Trip many times and was happy with the service re:plans offered. Thankfully, have never had to activate coverage.
Stanley F. would
recommend this plan to a friend or relative.
AIG Travel
Travel Guard Basic
Applying fro the insurance is very easy.
Charles N. would
recommend this plan to a friend or relative.
AIG Travel
Travel Guard Basic
Great service and great price.
Isauro S. would
recommend this plan to a friend or relative.
Travelex
Travel Basic
I didn’t need to make a claim, so it’s hard to evaluate the plan. I was happy to have it, and happy I didn’t need to use it to file a claim.
Laura S. would
recommend this plan to a friend or relative.
AIG Travel
Travel Guard Basic
comprehensive and affordable
patricia r. would
recommend this plan to a friend or relative.
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