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
I can only rate this plan as a customer who did Not file a claim but as it is directed at Cruise passengers I liked that.
darrell b. would
recommend this plan to a friend or relative.
The trip included a
tour
Arch RoamRight
Preferred
Did not have to file a claim so cannot speak to how that process would go.
Katherine D. would
recommend this plan to a friend or relative.
The trip included a
tour
Global Alert!
Preferred
I was hospitalized for a covered illness, filed a claim and received reimbursement for all covered expenses. I filed all required documents in a timely fashion, however, reimbursement took approximately 10 weeks. Agents were very apologetic for the long delay and explained they had a lot of claims to process. I called every 2 weeks to obtain updates regarding my reimbursement and every time I called, I was on hold for at least 15 minutes.
Wendeline B. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
We have used this plan multiple times and never made a claim, but it gives piece of mind while traveling.
Carol T. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Choice Cruise
Good plan. I usually purchase for evacuation coverage. Glad I didn't have to use it.
Judith W. would
recommend this plan to a friend or relative.
C&F Travel Insured International
Worldwide Trip Protector Lite
I don't think there is anything wrong with the plan itself but I don't really know since I didn't have to do a claim. I also think that it is way to expensive for the amount of people who actually file claims.
Debra W. would
recommend this plan to a friend or relative.
The trip included a
tour
International Medical Group
iTravelInsured Travel SE
The plan covered what I wanted at reasonable cost. Fortunately we did not have to file any claims.
Charles K. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Choice Cruise
Nice easy application.
60 day medical look back needs to be shorter.
Had to juggle important medical appointments around this 60 days period to avoid the non treatment of pre existing conditions.
60 day medical look back needs to be shorter.
Had to juggle important medical appointments around this 60 days period to avoid the non treatment of pre existing conditions.
steven r. would
recommend this plan to a friend or relative.
The trip included a
cruise
International Medical Group
iTravelInsured Travel SE
I did appreciate that you emailed me right before my trip so that I could print out the policy and take if with me. Thank Goodness, I didn't need to use it.
Thanks.
Thanks.
Joan W. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
International Medical Group
iTravelInsured Travel SE
We almost had to file a claim for lost luggage. After looking at the requirements to file a claim it would be virtually impossible for any one to have documentation and receipts for personal items in the suit case. Who keeps receipts for clothing that could be several months or longer old and for a suitcase that may be several years old?
It seems bogus to even offer lost luggage protection.
Thank Goodness that the cruise line found our luggage and is shipping it to us.
It seems bogus to even offer lost luggage protection.
Thank Goodness that the cruise line found our luggage and is shipping it to us.
John T. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
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Carol
Thank you for your comments. Whereas your homeowners policy provides Personal Property coverage on a Replacement Cost basis, your iTravelInsured SE plan, as do most travel plans, provides Baggage coverage on an Actual Cash Value basis. Actual Cash Value represents the purchase price of an item less depreciation of the item's value since you bought it.
You are correct in stating that most people would not have receipts for many items. Although many of our policies require receipts for reimbursement of any item, your iTravelInsured plan does make an exception:
"For claimed items without original receipts, payment of loss will be calculated based upon fifty percent (50%) of the Actual Cash Value at the time of loss, not to exceed two hundred fifty dollars ($250) per article."
Although that amount would still be much less than expected, your policy does still offer broader coverage than most travel plans. Nevertheless, the best Personal Property coverage would always be provided by your homeowners policy.Oct 31,2018
Please keep in mind that insurance is administered by the states' insurance departments. Companies must file their rates including loss history and coverage terms with the state for approval. A state would not approve rates that were not in line with loss history.