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
tour
Nationwide Mutual Insurance
Universal Cruise
While traveling we heard from several people that lost luggage, were delayed for days, etc and felt good that we had coverage if anything similar had happened to us. But the travel was good with no major problems. Thanks!
Mark C. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Even though did not have to use, it was a great piece of mind to have.
David k. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Fortunately, I didn't have to use the insurance but the process to get insured went smoothly , it appeared to have good coverage and the price was reasonable.
Pamela K. would
recommend this plan to a friend or relative.
Generali Global Assistance
Standard
At first I thought it was a misunderstanding that would be remedied once we discussed the matter. My wife and I planned to take family members on a trip to France. We undertook to pay for lodging and train travel in Europe. They would only have to pay for air fare and incidentals. And for one cousin who is celebrating a significant birthday this year, we went a step farther and undertook to pay her air fare from SFO to Paris. Knowing how much we were likely to spend for all of this we insured the trip for $9,500.
Shortly before the trip my wife was injured and hospitalized. The trip was cancelled and we filed a claim for trip cancellation coverage. Generali reimbursed us for all of the payments we made that were non-refundable (including payments for train tickets for our party of six, multiple hotel rooms for all of us, and a house rental in Brittany). But it declined to compensate us for the air fare we paid for my cousin because, they said, she wasn't an insured party.
I communicated with Generali and explained what I believe is self-evident. The risk I insured against was the risk of losing up to $9,500 is payments I made for my trip and Generali's policy provided that "Benefits will be paid, up to the amount in the Schedule, for...Payments that you paid for your Trip." I wasn't claiming benefits for my cousin. She didn't make any payments for air fare and had no risk of losing any such payments so even if she had been insured she would not have been able to claim benefits for lost air travel payments. I was claiming the benefit for my wife and me since we were the ones who paid the $1,800 in air fare, faced the risk of loss of that payment if the trip was cancelled, and were the parties Generali agreed to insure against that very risk.
After failing to get anywhere by communicating with Generali in writing, I was finally able to speak with a Claims Manager by phone. I explained my logic and she agreed, my reasoning was sound! Nevertheless, she insisted "that's not how the policy works" and refused to consider the matter further. She asserted that Generali only pays benefits for reservations that are in the name of an insured, even if an insured party paid for the reservation. (As for the benefit for payments I made for train tickets for six passengers, that was "a mistake" she said.)
I'm now persuaded that this is not a simple misunderstanding but a deliberate policy or practice that amounts to an intentional breach of contract by Generali. I intend to pursue the matter further and am confident I will eventually succeed in getting Generali to live up to its commitment. However, others should be very cautious about dealing with Generali.
Shortly before the trip my wife was injured and hospitalized. The trip was cancelled and we filed a claim for trip cancellation coverage. Generali reimbursed us for all of the payments we made that were non-refundable (including payments for train tickets for our party of six, multiple hotel rooms for all of us, and a house rental in Brittany). But it declined to compensate us for the air fare we paid for my cousin because, they said, she wasn't an insured party.
I communicated with Generali and explained what I believe is self-evident. The risk I insured against was the risk of losing up to $9,500 is payments I made for my trip and Generali's policy provided that "Benefits will be paid, up to the amount in the Schedule, for...Payments that you paid for your Trip." I wasn't claiming benefits for my cousin. She didn't make any payments for air fare and had no risk of losing any such payments so even if she had been insured she would not have been able to claim benefits for lost air travel payments. I was claiming the benefit for my wife and me since we were the ones who paid the $1,800 in air fare, faced the risk of loss of that payment if the trip was cancelled, and were the parties Generali agreed to insure against that very risk.
After failing to get anywhere by communicating with Generali in writing, I was finally able to speak with a Claims Manager by phone. I explained my logic and she agreed, my reasoning was sound! Nevertheless, she insisted "that's not how the policy works" and refused to consider the matter further. She asserted that Generali only pays benefits for reservations that are in the name of an insured, even if an insured party paid for the reservation. (As for the benefit for payments I made for train tickets for six passengers, that was "a mistake" she said.)
I'm now persuaded that this is not a simple misunderstanding but a deliberate policy or practice that amounts to an intentional breach of contract by Generali. I intend to pursue the matter further and am confident I will eventually succeed in getting Generali to live up to its commitment. However, others should be very cautious about dealing with Generali.
Peter L. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
John Hancock
Bronze
No claim had to be made so clearly the insurance worked very well :)
Jane P. would
recommend this plan to a friend or relative.
The trip included a
tour
International Medical Group
iTravelInsured Travel LX
Good solid coverage - however, would have preferred a higher Accident & Sickness coverage amount than offered.
Raymond V. would
recommend this plan to a friend or relative.
John Hancock
Silver
We didn't need to use the insurance, but felt comfortable knowing we had coverage in case something came up.
Thomas H. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
tour
Travelex
Travel Select
I was diagnosed with a cancer that required immediate treatment, so was not able to take the insured trip to Europe as planned. I provided Travelex with the appropriate paperwork for non-refundable losses associated with the trip, and Travelex sent me a check within a few weeks covering my losses. They paid the full amount I requested, no muss, no fuss. I have used Travelex before and continue to recommend them for trip insurance.
Michael O. would
recommend this plan to a friend or relative.
Travelex
Travel Select
Since we didn't have reason to use the plan, hard to give it a rating, "when the rubber hits the road".
Raymond L. would
recommend this plan to a friend or relative.
Generali Global Assistance
Preferred
We thankfully did not need to use the plan but the peace of mind was worth every cent!
Elizabeth R. would
recommend this plan to a friend or relative.
"We're sorry to hear about your negative experience and apologize for not meeting your expectations. Our goal is to provide a prompt and courteous claim experience to all of our customers. We are looking into this further and one of our dedicated team members will get back with you soon. Please contact (800) 348-9505 or [email protected] if you have additional questions."