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
Generali Global Assistance
Custom
We happened to be in Madagascar when there was civil unrest with demonstrations in the streets of Tana that resulted in at least one death. There were also organized and spontaneous strikes by various groups of workers.
We were on an organized trip with an itinerary. Minutes before one flight, it and 2 others due to leave Tana at the same time were cancelled. We saw the crews of the 3 planes walking together to the terminal, talking to each other. It seemed clear to us that they had decided to strike. The result was that we could not reach our destination that night and no flight was scheduled for the next day. We had to return to our hotel and charter a plane the next day to resume our itinerary at our cost (approximately $1000).
We put in a claim to Generali Global Assistance with newspaper evidence of the unrest in the country at the time we were there. They rejected our claim because the trip interruption was not caused by an organized strike. They also cited an exclusion to Trip Interruption: civil disorder.
We were the victims of an arbitrary flight cancellation by Air Madagascar which gave the reason for the cancellation as "shortage of personnel". This cancellation, which was beyond our control, was why we took out a policy that included Trip Interruption.
We were on an organized trip with an itinerary. Minutes before one flight, it and 2 others due to leave Tana at the same time were cancelled. We saw the crews of the 3 planes walking together to the terminal, talking to each other. It seemed clear to us that they had decided to strike. The result was that we could not reach our destination that night and no flight was scheduled for the next day. We had to return to our hotel and charter a plane the next day to resume our itinerary at our cost (approximately $1000).
We put in a claim to Generali Global Assistance with newspaper evidence of the unrest in the country at the time we were there. They rejected our claim because the trip interruption was not caused by an organized strike. They also cited an exclusion to Trip Interruption: civil disorder.
We were the victims of an arbitrary flight cancellation by Air Madagascar which gave the reason for the cancellation as "shortage of personnel". This cancellation, which was beyond our control, was why we took out a policy that included Trip Interruption.
Patrick T. would not
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Generali Global Assistance
Preferred
Fortunately, all went well and we did not use it.
Ruth L. would
recommend this plan to a friend or relative.
C&F Travel Insured International
Worldwide Trip Protector
I invested in this plan specifically because I had booked a trip early in the year and it was uncertain if I would still be living in the United States or Mexico when the time came to travel. I was assured the policy would cover cancellation if I was living in Mexico and couldn't make my flights. When I called to file a claim because I was in Mexico at the time of the trip, I was told that situation was not covered. In my estimation, applying for this coverage was a waste of time and money.
Christina H. would not
recommend this plan to a friend or relative.
-
Carol
We are sorry to hear that you are not happy with our service, but you will be pleased to know that we do record all calls for the protection of our customers. Upon receiving your review, InsureMyTrip researched your call. According to the recorded conversation, our customer care representative advised that you would need to purchase Cancel for Any Reason if you wished to cancel your trip because you were moving to Mexico. She also advised that you would no longer have coverage under this policy should you move to Mexico but neglect to cancel this policy.
Once again, we are sorry for this confusion. Please feel free to call Customer Care at (800) 487-4722 if you wish to discuss further.Nov 21,2018
The trip included a
cruise
Generali Global Assistance
Standard
Fortunately we completed our trip without incident and did not need to use the insurance so we cannot rate the plan, but can comment on the high cost. It is a universal challenge. There should be some type of a rebate when you do not make a claim.
Mary P. would
recommend this plan to a friend or relative.
-
Carol
The terms and conditions as well as pricing of travel insurance is regulated by the state insurance commissioner which is a state-level position in all 50 states. The duties of the commissioner vary from state to state, but their general role is as a consumer protection advocate and insurance regulator. There is also a state department of insurance that is responsible for regulating companies and producers selling insurance in to insure that they obey state insurance laws.
Although travel insurance regulations value from state to state, travel insurance rebates are not currently available in any state.Nov 21,2018
The trip included a
tour
Generali Global Assistance
Preferred
Cannot rate the coverage as we did not use it - difficult to prove a negative.
Some solace or comfort for that rare eventuality that it would be needed.
Application and purchase process was smooth and easy.
Most likely would not buy again for similar trip.
Some solace or comfort for that rare eventuality that it would be needed.
Application and purchase process was smooth and easy.
Most likely would not buy again for similar trip.
Charles D. would
recommend this plan to a friend or relative.
TripAssure
Advantage Asset
Luckily didn't need the insurance!
Michelle N. would
recommend this plan to a friend or relative.
C&F Travel Insured International
Worldwide Trip Protector
Peace of mind
Patricia O. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector
I gave 4 star rating because, all in all, these are a true reflection of product. Unfortunately, I did not anticipate our tour operators license being revoked causing our trip to be "canceled" weeks prior to departure. Our policy for "Cancellation for any reason" excluded this particular situation and our claim promptly denied. My fault for not understanding the exclusion for "tour operator default".
So, for any other reason, this policy is probably great. Unfortunately, I felt the sting of disappointment twice. Once when reading the emailed notice from the Consumer Protection Agency about the revoked license (and loss of $6000) and then again from a claim denial of what I thought would cover "cancellation for any reason" travel insurance.
This was the first and probably last time I will purchase travel insurance.
So, for any other reason, this policy is probably great. Unfortunately, I felt the sting of disappointment twice. Once when reading the emailed notice from the Consumer Protection Agency about the revoked license (and loss of $6000) and then again from a claim denial of what I thought would cover "cancellation for any reason" travel insurance.
This was the first and probably last time I will purchase travel insurance.
Beth J. would
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
-
Carol
It is always a disappointment for a traveler to be denied coverage in a claim. Your situation is even more regrettable knowing that your tour operator's license was revoked, which is not a covered reason under Trip Cancellation in any of our plans, resulting in the loss of your hard-earned 6,000 USD in trip cost.
Unfortunately, your Worldwide Trip Protector plan did not include Cancel for Any Reason. Nevertheless that optional coverage was available to you for a higher premium with the Worldwide Trip Protector Plus plan.
We can understand your hesitancy to purchasing travel insurance in the future. However, if you change your mind, we suggest that you call InsureMyTrip at (800) 487-4722 for assistance in quoting and selecting a policy.Nov 16,2018
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Our family was very pleased that we purchased travel insurance. We didn't have to use the insurance but just the peace of mind of having it was worthwhile.
Adrian S. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
tour
C&F Travel Insured International
Worldwide Trip Protector
Although I did not need to file a claim, I felt confident that if needed, C&F Travel Insured International Worldwide Trip Protector will oblige to cover all necessary claims within the contract.
Thank you for your service!
Thank you for your service!
To - Linh V. would
recommend this plan to a friend or relative.
Comprehensive plans are designed to cover as many risks as possible, but is very rare for any insurance plan to cover all possible risks. Civil unrest is a typical exclusion on any Comprehensive plan. In fact, that event would not covered under normal Trip Interruption with any company that we represent. Some of the plans that we offer include "Interruption for Any Reason" for 75% reimbursement as long as you have been on your trip for at least 48-72 hours. For more information about these plans, please call us at InsureMyTrip.
We strongly recommend customers read the terms and conditions of the policy within the review period to determine if the policy fits your needs. If the policy does not fit your needs, it can be cancelled within the review period for a refund of premium. We can be reached at 800-487-4722 if you have any questions or concerns.