TRAVEL-INSURED INTERNATIONAL 2023 REVIEWS

Travel Insured International is a travel insurance provider that offers various insurance plans to cover travelers against unforeseen events during their trips. They offer a variety of plans to fit different budgets and coverage needs. Travel Insured International has several reviews available online. The reviews for Travel Insured International are generally positive, with many customers praising the company’s customer service, comprehensive coverage options, and claim processing time. However, there are also some negative reviews, with customers complaining about denied claims or difficulty reaching customer service.

Travel-Insured International Reviews

Travel Insured International has generally positive reviews, with many customers praising the company’s customer service, comprehensive coverage options, and claim processing time. However, as with any insurance provider, it is important to carefully read the terms and conditions of the policy and ensure that it meets your specific needs.

Travel Insured International is a travel insurance provider that has been serving the traveling public since 1994. The company offers a wide range of coverage options, such as trip cancellation, trip interruption, medical, emergency medical evacuation, accidental death and dismemberment, baggage, travel delay, and more. Crum & Forster, a standard and specialty insurance provider with over 200 years of experience, acquired it in 2015.

Positive Reviews of Travel Insured International and What it Offers

Travel Insured International offers a variety of travel insurance products to help protect travelers against various potential risks. These include:

#1. Trip Cancellation and Interruption Coverage

They provide reimbursement for non-refundable trip deposits or payments if a trip is canceled or interrupted due to a covered reason, such as illness, injury, or inclement weather.

#2. Medical Coverage

Travel Insured International provides coverage for emergency medical expenses if the policyholder becomes ill or injured during the trip.

#3. Emergency Medical Evacuation Coverage

They provide coverage for emergency medical transportation, such as an air ambulance, if the policyholder becomes too sick or injured to travel home under their power.

#4. Baggage Coverage

Travel Insured International provides coverage for lost, stolen, or damaged baggage or personal items during the trip.

#5. Accidental Death and Dismemberment Coverage

Travel Insured International provides coverage in the event of accidental death or dismemberment during the trip.

#6. Travel Delay Coverage

They also provide coverage for additional expenses if the policyholder experiences a covered travel delay, such as lodging and meal expenses.

#7. Customization

One can customize their plans with add-on coverage options to provide additional protection.

#8. Customer Assistance

They also offer assistance and customer support 24/7 to address any concerns or questions their customers may have.

#9. Unique coverage

Travel Insured International offers affordable plans with unique coverages, such as reimbursement for the redeposit fees associated with points and miles when a trip is canceled, change fee coverage, and missed tour or cruise connection coverage.

#10. Cancel For Any Reason

Travel Insured International also offers Cancel for Any Reason insurance as an add-on to its most comprehensive policy coverage not offered by all travel insurance companies.

#11. Adventure Activities

Travel Insured International provides coverage for specific adventure activities or sports that might not be covered by regular insurance.

Negative Reviews of Travel Insured International

Travel Insured International and other travel insurance providers offer valuable coverage, but there are downsides or concerns associated with their services. Keep in mind that these negatives might vary based on individual experiences.

Some negatives include:

#1. Coverage Exclusions

Travel Insured International travel insurance policies often have specific exclusions and limitations. They might not cover certain situations or events that travelers might assume are included.

#2. Complex Terms

Policy documents can be complex and filled with legal terminology, making it challenging for some individuals to fully understand what is covered and what is not.

#3. Claim Denials

Some travelers have reported difficulties in having their claims approved due to stringent documentation requirements or the interpretation of policy terms.

#4. Pre-existing Conditions

Not all policies cover pre-existing medical conditions, and those that do may have waiting periods or specific criteria that need to be met.

#5. Cost

Premiums for comprehensive international travel insurance plans can be relatively high, especially if you’re looking for extensive coverage.

#6. Redundant Coverage

Travelers who already have certain coverage through credit cards, health insurance, or other means might find that some aspects of travel insurance are redundant.

#7. Limited Scope of Benefits

Certain policies might have limited coverage for specific benefits, which might not align with a traveler’s needs or expectations.

#8. Cancellation Fees

Some policies in Travel Insured International charge cancellation fees if you decide to cancel your policy within a certain time frame after purchase.

#9. Age Restrictions

Travel Insured International policies have age restrictions or limitations on coverage for older travelers.

How Travel Insured International Policy Works

Travel Insured International policies work by providing financial protection and coverage for various travel-related risks and emergencies.

Here’s how their policies work:

#1. Choosing a Plan

Travel Insured International offers different travel insurance plans with varying levels of coverage. You can choose a plan that aligns with your specific needs and concerns, such as trip cancellation, medical emergencies, baggage protection, and more.

#2. Purchasing a Policy

Once you’ve selected a plan, you can purchase the policy online through their website or an agent. You’ll need to provide information about your trip, travel dates, destination, and personal details.

#3. Coverage Period

The coverage period starts on the effective date specified in your policy and ends when your trip concludes, as defined by the policy.

#4. Coverage Details

The policy document outlines the specific coverage details, including what is covered, coverage limits, deductibles, and any exclusions. It’s crucial to carefully read and understand these terms.

#5. Trip Cancellation or Interruption

If an unexpected event (covered by the policy) forces you to cancel or interrupt your trip, you can file a claim with Travel Insured International. It may include events like illness, injury, weather disruptions, or other reasons.

#6. Medical Emergencies

If you experience a medical emergency while traveling, the policy may cover medical expenses, emergency medical evacuation, and other related costs, as specified in the policy.

#7. Baggage Protection

If your baggage is lost, stolen, or damaged during your trip, you can file a claim for reimbursement of the covered expenses.

#8. Claim Process

To file a claim, you’ll need to provide documentation, such as receipts, medical reports, and other relevant paperwork. Follow the instructions outlined in the policy for submitting claims.

#9. Claims Evaluation

Travel Insured International will evaluate your claim based on the provided documentation and policy terms. If your claim is approved, they will provide reimbursement for the covered expenses.

#10. Claim Disbursement

Once your claim is approved, Travel Insured International will disburse the approved amount according to the terms of the policy.

#11. Emergency Assistance

If you encounter an emergency while traveling, you can contact Travel Insured International’s 24/7 emergency assistance services for help and guidance.

Policy Exclusions for Travel Insured International

Policy exclusions for Travel Insured International and other travel insurance providers are specific scenarios or circumstances that are not covered under the insurance policy. These exclusions can vary depending on the plan you choose.

Here are some general Travel Insured International policies:

#1. Pre-existing Conditions

Some policies might exclude coverage for pre-existing medical conditions unless certain conditions are met, such as purchasing the policy within a specific time frame before your trip.

#2. Self-Inflicted Injuries

The policyholder is responsible for any injuries they intentionally cause.

#3. Injuries from Reckless Activities

Injuries sustained while engaging in dangerous activities, such as extreme sports or illegal activities, might be excluded.

#4. Intoxication or Substance Abuse

Injuries or incidents that occur while the policyholder is under the influence of drugs or alcohol might be excluded.

#5. War and Terrorism

Many policies exclude coverage for injuries, cancellations, or disruptions caused by acts of war, terrorism, or civil unrest.

#6. Mental Health

Some policies might have limitations on coverage for mental health-related incidents, such as anxiety or depression.

#7. Unapproved Travel Destinations

If you travel to a country or region that’s under a travel advisory or is considered unsafe, your coverage might be limited or excluded.

#8. Excessive Speed

Accidents that occur while driving recklessly or at excessive speeds might not be covered.

#9. Illegal Activities

Incidents that occur while engaging in illegal activities might not be covered.

#10. Unattended Belongings

Theft or damage to belongings left unattended in public places might be excluded.

#11. Risky Behavior

Injuries sustained due to reckless behavior, such as ignoring safety warnings or disregarding rules, might not be covered.

#12. Travel Against the Advice of a Physician

Traveling against the advice of a physician might not be covered by the insurance policy.

Does Travel Insurance Cover Flight Cancellations?

The coverage of flight cancellations on travel insurance depends on the specific policy purchased, as coverage varies. Some policies may only cover flight cancellations under certain circumstances, such as medical emergencies or extreme weather. Other policies may offer more comprehensive coverage for trip cancellations and interruptions, which can include flight cancellations. Always read the policy carefully and check for specific inclusions and exclusions for canceled flights.

What Is Usually Covered By Travel Insurance?

Travel insurance covers a range of protections. They include trip cancellation or interruption, baggage delay or loss, emergency medical expenses, accidental death and dismemberment, and personal liability. Coverage can also extend beyond what is provided by credit card companies. However, the specific coverage provided can vary depending on the policy purchased. It’s best to carefully review policy details to know what is covered.

Is It Worth Getting Trip Protection?

Yes, travel insurance or trip protection is often worth considering. Especially if you have paid a considerable sum for a non-refundable vacation or if your trip is a large financial investment. Travel insurance can provide peace of mind and protect against a range of potential risks. Such as trip cancellation or interruption, baggage delay or loss, and emergency medical expenses. However, review policy details and consider your specific needs to determine if travel insurance is right for you.

Is Travel Insurance Real?

Yes, travel insurance is real. There are many providers and policies available that offer coverage for a range of potential risks associated with travel, such as trip cancellation or interruption, emergency medical expenses, and baggage delay or loss. Consider your specific needs to determine if travel insurance is right for you.

Do I Get My Money Back If I Cancel My Flight?

Yes, you can get your money back if an airline cancels a flight or if you cancel your flight within a certain time frame (often 24 hours from the time of purchase). You are entitled to a refund for the unused transportation. However, cancellation policies vary depending on the airline, and fees may apply if a flight is canceled outside of the eligible time frame. It’s better to check for the terms and conditions of the ticket purchased to determine if and when a refund may be available.

What Happens If My Flight Is Canceled And I Don’t Have Insurance?

If your flight is canceled and you don’t have travel insurance, you may still be entitled to a refund or be rebooked on another flight. It all depends on the airline’s policies and the reason for the cancellation. Some airlines are not required to provide compensation beyond what is outlined in their contract of carriage. This varies by airline. It is always a good idea to review the airline’s policies and terms and conditions before booking a flight. If your flight cancellation causes you to miss a connecting flight or creates other travel-related expenses, you may be responsible for those costs without insurance or coverage.

How Do I Claim Cancellation On Travel Insurance?

To claim cancellation on travel insurance, review your insurance policy documents to determine if your claim is covered. Notify your travel providers if you need to cancel your trip, then contact your insurance provider to begin the claims process. You will need to provide documentation to support your claim and work with your provider to meet any requirements. The specific process may vary by policy and provider.

How Much Does Cancellation Insurance Cost?

The cost of cancellation insurance depends on factors such as the policy, level of coverage, and total cost of your trip. However, average costs for travel insurance with trip cancellation coverage are generally between 4-10% of your total prepaid, nonrefundable trip cost. It is best to go through the policy details and shop and look out for coverage to find the best option for your needs and budget.

Conclusion

Travel Insured International offers positive aspects such as customizable coverage options, protection against trip disruptions, emergency medical coverage, baggage protection, and 24/7 emergency assistance. They provide peace of mind, pre-existing condition coverage, financial default protection, and various plans catering to different needs. Ease of purchase, straightforward claim processes, and additional benefits are also reported by some customers. However, coverage specifics and experiences may vary, so careful review and consideration of policies are essential.

Travel Insured International, like other travel insurance providers, has potential negatives. These include complex terms, claim denials, coverage exclusions, high costs, redundant coverage, and a potentially complex claims process. Travelers should carefully review policy details, understand coverage limitations, and consider customer reviews before deciding if it’s the right choice for their needs. If you have questions about policy exclusions, it’s recommended to contact Travel Insured International directly to seek clarification before purchasing the policy.