is travel insured international a good company

Travel Insured International Review

Travel Insured International (TII) offers worldwide travel insurance plans that also work within the United States. Prices vary mostly by age, but are close to average for the best trip insurances we reviewed. The types of plans you can apply for may vary by your state of residence, however.

Top Ten Reviews Verdict

Travel Insurance International is a solid trip insurance agency with a Cancel for Any Reason option and concierge services.

Travel Insurance International offers reimbursements for miles or reward cards.

This service does not reimburse you for lost or stolen prescriptions.

Why you can trust Top Ten Reviews Our expert reviewers spend hours testing and comparing products and services so you can choose the best for you. Find out more about how we test .

We evaluated plans for three trips: a Mississippi river cruise, a tour of France and an Antarctic adventure. The insurance premium prices for these trips depended mostly on the age of the travelers, and in most cases, ran below the average of the other trip insurances we priced. The plans varied, so we looked for plans with comparable coverage in cancellation and major medical expenses.

We found that while coverage for cancellations matched most of the other companies we evaluated, the reimbursement for lesser emergencies was lower. Luggage delay reimbursement is $300, where the average among agencies is nearly twice that. InsuranceandGo is one such company with a luggage delay reimbursement of up to $800. It also limits reimbursement for ticket change fees to $250. Not every agency reimburses change fees, but those that do generally do not set a limit. It does not reimburse for cancellations if your carrier or tour company declares bankruptcy. However, the higher-tier plans offer a Cancel for Any Reason clause. It covers 75 percent of your trip cost, which is industry average.

The evacuation and repatriation reimbursements are among the highest of the trip insurances we evaluated, and this company can make the arrangements, including securing an escort if needed. It also does not reimburse you for lost or stolen prescriptions, although it can assist you in getting them replaced. This, however, is standard for most companies.

TII insures you against accidental death and dismemberment in a flight accident for up to $10,000. It can cover vehicle rentals as well. If you need to evacuate the country for a non-medical reason, such as political upheaval, TII can make the arrangements and reimburse your expenses.

TII offers concierge services that include English-speaking support 24/7. In addition to answering questions about your policy and helping you in emergencies, this company has agents who can help you find a hotel, make dinner reservations or handle other complimentary services. In case of an emergency, the agents can locate a local doctor or lawyer and advance you emergency cash. It does not assist with legal fees, however. A couple of the companies we reviewed assist with bail money.

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If you need to file a claim, you can do so online. There is no listing of what documentation you need, so it's best to be prepared by keeping receipts, getting proof of incident such as a police report or a written notice from your carrier. TII offers a live chat to assist you in the claims process, something only a few travel insurance companies offer.

Although Travel Insurance International offers worldwide plans, they are just as effective inside the United States. The prices were below average for the situations we considered, and the coverage comparable to the higher-ranked trip insurance companies. It offers some extra options, such as Cancel for Any Reason, and has live chat to assist you with filing a claim online. It's an insurance worth considering, especially if you're traveling outside the country.

Noel has worked as a reporter and editor for many online and print publications including the Salt Lake Tribune and the Ogden Standard-Examiner, covering diverse beats like education, city development and politics. He also wrote and edited an online monthly magazine for the nutritional supplement company Max International. Noel has degrees from the University of Utah and Weber State University in psychology, English and creative writing and is passionate about writing in all its forms.

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Travel Insured International Travel Insurance Coverage Review – Is It Worth It?

Christine Krzyszton

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Why Purchase Travel Insurance

Travel insurance and covid-19, why purchase travel insurance from travel insured international, single-trip plans, how to obtain a quote, the value of travel insurance comparison sites, to travel insurance provided by your credit cards, to other travel insurance companies, to point of sale policies, how to file a claim with travel insured international, everything else you need to know, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Thinking about purchasing travel insurance has become synonymous with trip planning in today’s environment. It’s difficult to think of traveling without considering the fact that plans might change, your trip could experience disruptions, or that you might need medical attention during your journey.

There are several ways to acquire various levels of travel insurance coverage. You could rely on the coverage that comes complimentary on your credit cards, purchase single-trip coverage from a travel insurance company or via your travel provider at booking, or perhaps purchase an annual plan that covers every trip you’ll make in the policy year.

We write frequently about travel insurance coverage and some of the most popular companies providing this protection.

Today we’re going to discuss travel insurance specifically offered by Travel Insured International . We’ll talk more about the company, how to purchase coverage, and how the company’s plans compare to other sources of travel insurance.

A comprehensive travel insurance policy , whether purchased to cover a single trip or to provide coverage for all your trips within a specific time period, is designed to protect your investment and cover major expenses you may incur due to (covered) cancellations and disruptions.

Examples of expenses that can  be covered under a comprehensive travel insurance policy include:

• You broke your leg while hiking and needed to be evacuated to the nearest hospital
• Your travel companion became seriously ill and you had to cancel your trip
• There was a fire, your home became inhabitable, and you had to cancel your trip
• You become ill during your trip and must return home early

Fortunately, travel insurance is widely available and affordable . If you have a large amount of non-refundable travel expenses for any trip, or your medical insurance will not cover you during your travels, purchasing a travel insurance policy makes sense.

To learn more about the basics of purchasing travel insurance and some of the best companies from which to purchase travel insurance , visit our comprehensive articles on these topics.

Bottom Line: If you have a significant investment of non-refundable travel expenses in any 1 trip, or you need medical coverage during your travels, you should consider purchasing a comprehensive travel insurance policy. 

While it might seem that travel insurance should cover any reason for canceling a trip, it does not. Travel insurance is designed to cover unforeseen events that may cause you to cancel your trip or cause disruptions during your trip.

If you need coverage for canceling your trip due to fear of getting ill, or any other reason you deem necessary, you’ll need to purchase Cancel for Any Reason insurance (CFAR) . CFAR coverage allows you to cancel your trip for any reason, not just those listed in your policy.

Many companies will include coverage if a traveler gets ill with the virus and needs medical treatment during their trip. Trip cancellation and trip interruption coverages can also include coverage for COVID-19 illness . Some companies exclude coverage for pandemics.

Travel Insured International includes coverage for COVID-19 illness for medical, trip cancellation, and trip interruption .

Bottom Line: Travel insurance does not cover canceling your trip due to fear of getting ill. You must purchase CFAR insurance as an add-on coverage within a specific timeframe of securing a new travel insurance policy in order to have coverage. 

When selecting a travel insurance company, you’ll want to do business with a company that’s established and financially sound. Travel Insured International has been doing business for over 27 years and is owned by Crum and Forster, a company that has been around since 1822 and has an A (Excellent) rating by prominent insurance rating company A.M. Best .

Additionally, the company 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 a missed tour or cruise connection coverage.

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

The Better Business Bureau accredited Travel Insured International in 2006. And, while you’ll find complaints against the company, many are from policyholders expecting coverage for canceling trips due to the fear of getting COVID-19 or due to borders being shut down. These are not covered by any travel insurance unless CFAR insurance is purchased.

Bottom Line: You can have peace of mind knowing that Travel Insured International is a financially sound company. The company offers unique coverage plans and Cancel for Any Reason insurance as an add-on to its most comprehensive plan. 

Types of Policies Offered

Travel Insured International offers 5 insurance plans, including a basic trip plan, a medical plan, a multi-trip annual plan, and these 2 popular single-trip plans:

Here’s a breakdown of core coverages for the 2 most popular single-trip plans:

Travel Insured International also offers a multi-trip plan that covers all trips (45 days in length or less) within the 1-year policy period . Prices for the 1-year plan start at $94. This basic plan comes with trip interruption, trip delay, baggage protection/delay, and $100,000 in medical coverage. There are options to purchase additional coverages such as trip cancellation and CFAR insurance.

The company also offers a medical-centric plan for those who want medical coverage during their travels.

Bottom Line: Travel Insured International offers 5 travel insurance policy options including 2 comprehensive travel insurance policies, 1 basic travel insurance plan, 1 medical insurance plan, and an annual multi-trip plan. 

It’s easy to secure a quote and compare policy options on the Travel Insured International website . Just input your trip destination, country and state of residence, dates of travel, when you made your first trip deposit, and the total cost of your trip. Although you’re asked for your name and email address, this is not required information.

You’ll be able to compare coverage, review details of each plan, and select any optional add-ons you may want. You can then proceed to purchase your policy.

Whenever you have the opportunity to compare plans and prices with very little effort, you should do so. Therein lies the value of travel insurance comparison sites.

Travel insurance comparison sites feature policies offered by highly-rated companies and allow you to quickly receive a quote from several of these providers by providing basic information.

Here are some of the most popular sites you can use to compare travel insurance policies:

• TravelInsurance.com : Search for comprehensive travel insurance plans. The site does not include medical-only travel insurance plans.
• InsureMyTrip : Compare travel medical plans for single trips or multiple trips, as well as comprehensive travel insurance policy plans.
• SquareMouth : Search for annual travel insurance plans that cover several trips within the 1-year policy period, single-trip plans, group insurance, and sports/adventure plans.
• AARDY : With dozens of companies to compare, AARDY is worth visiting for a comparison. An email is required to obtain a quote.

Keep in mind that the least expensive policy may not be the best for your situation. You’ll want to compare coverage to find the best fit.

Bottom Line: Travel insurance comparison websites help you compare the policies and prices of several different travel insurance companies, making it easier to find the best policy for your situation at the best price. 

How Travel Insured International Compares

While there are several travel rewards cards that come with complimentary travel insurance , this coverage is not meant to take the place of a comprehensive travel insurance policy .

In many cases, the coverage that comes with your credit card is secondary, meaning you must first file a claim with other existing insurance or with your travel provider. Also, coverage is limited , as with most insurance, to only specific reasons for cancellation, interruption , and delay coverage .

Additionally, you won’t find any significant medical coverage offered on credit cards.

Using an example of a 1-week trip to Mexico costing $2,000 with a traveler 40 years of age, we compared policy coverage and prices on SquareMouth . Coverage for trip cancellation, trip interruption, and trip delay was identical. Baggage insurance was less than Seven Corners (left column) and the same as Berkshire Hathaway (middle column). Missed connection coverage is less than Seven Corners and the same as Berkshire Hathaway (up to $500).

Medical coverage was highest with Seven Corners but equal to Berkshire Hathaway (see above insert). Still, with $100,000 in medical coverage, at $112, Travel Insured International holds its own on pricing and coverage when compared to other companies.

Of course, we used 1 specific scenario; your results will vary depending on the criteria.

The coverage you purchase at the point of sale with your travel provider is limited and cannot be compared to a comprehensive travel insurance policy like the ones we’ve been reviewing.

While it may seem like a good deal to spend $14, for example, to purchase travel insurance when booking a flight, the coverage is extremely limited and only certain situations are covered. Be sure to read the fine print prior to considering the coverage.

Bottom Line: Travel Insured International offers affordable plans that offer a wide range of coverage. In a narrow comparison of other sources of coverage, the company stands out as a viable option for insuring your next trip. 

You can call Travel Insured International at 800-243-3174 if you have a claim to report, but the company encourages using its online claim-filing system . The website offers a comprehensive checklist to follow for every type of claim and a list of the specific documentation you’ll need to submit.

Here’s a sample of the type of documentation you will be expected to provide:

• Claim Form : The claim form specific to the type of claim must be completed and signed.
• Proof of Loss : The documentation required will depend on the type of claim. For medical claims, for example, you’ll need an attending physician’s statement. For trip cancellation, you’ll need to submit documentation that the trip was indeed canceled.
• Proof of Payment : You’ll need to provide receipts for cash payments, a copy of the front/back of any checks written, or copies of credit card statements showing payments made.
• Airline Tickets : Provide a copy of the e-ticket showing dates of travel, name, and ticket numbers.
• Travel Provider Cancellation Policy : If you’re submitting a claim for trip cancellation/trip interruption, you’ll need to provide a copy of the cancellation policy of the trip provider.
• Refunds Received : If the travel provider refunded a portion of your expense, you must provide documentation of the amount. If the travel provider did not issue a refund, you’ll need to provide a copy of a letter showing the expense was not reimbursable.
• Invoices and Receipts : You’ll need to include any itemized invoices or receipts that document expenses related to the claim.

Travel Insured International encourages policyholders to contact their travel provider prior to filing a claim with their travel insurance policy. In some cases, the provider may provide a full or partial refund depending on the circumstances. You can then file a claim for any covered expenses that were not reimbursed.

Hot Tip: Whenever you purchase travel insurance, it’s a good idea to review the claims process prior to embarking on your trip. This can save you time and effort by knowing the types of documentation you’ll need to facilitate your claim. Securing some of this supporting information after the fact could be difficult. 

Once you’ve purchased a policy from Travel Insured International, you’ll have 10 to 14 days from the purchase date to review the policy. If you’re not satisfied, you can receive a full refund.

As with most insurance, it seems one never has enough coverage at the time of a claim. This phenomenon generates complaints against providers and Travel Insured International is no exception. You’ll find policyholders who have had great experiences and those who did not.

Reviewing your coverage prior to making a purchase is critical and will have an impact on your experience.

For example, the company sells 4 different single-trip plans, 1 of which includes the option to add on Cancel for Any Reason insurance. If you want to save money and purchase a plan that does not include this coverage, you should have no expectation that your trip expenses will be reimbursed if you decide to cancel your trip due to the fear of getting ill or for any other reason not specifically listed in the policy.

Travel Insured International offers a wide variety of coverage options on each of its policies. This makes it easy to pick and choose the coverages you need while keeping the policy affordable.

While it’s a simple process to obtain a quote and subsequently purchase a policy directly on the company’s website, it makes sense to check out other policies/prices on a travel insurance comparison website.

The company is a decent choice for securing a single-trip policy but if you travel extensively, you may want to consider an annual plan that will cover several trips.

Also, for a single trip that doesn’t involve a large amount of non-refundable expenses, you may want to rely on the coverage you have with your credit card. To learn more about this coverage, our article on the best credit cards for travel insurance can offer some insight.

Frequently Asked Questions

Is travel insured international a good company.

Yes. Travel Insured International is established and highly rated. The company was accredited by the Better Business Bureau in 2006 and has been doing business for 27 years.

The company offers the ability to pick and choose the coverage you need to build an affordable plan that matches your situation.

Does Travel Insured International offer a 10-day free look?

Yes. However, insurance is regulated by individual states. In some you’ll receive 10 days to review your policy and in others it may be 14 days.

If you aren’t satisfied, you can obtain a full refund.

Does Travel Insured International cover COVID-19?

Becoming ill with COVID-19 is covered under several coverages, including trip cancellation, trip interruption, and medical coverage. Terms apply.

The company also offers Cancel for Any Reason insurance as an option on its most comprehensive plan.

How can I file a claim with Travel Insured International?

You can call Travel Insured International at 800-243-3174 if you have a claim to report, although the company suggests using its claim-reporting website .

The website option offers a customized checklist that’s specific to the type of claim you need to file, making it easy to initially submit all the required documentation.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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• Travel Insured International Travel Insurance Review

On This Page

• Key takeaways

Is Travel Insured International legit?

• Bottom line Main highlights of Travel Insured International travel insurance

Travel Insured International travel insurance plans & coverage

Things not covered by travel insured international travel insurance, cost of travel insured international travel insurance plans, travel insured international travel insurance reviews from customers, is travel insured international travel insurance worth it, faq: travel insured international travel insurance, related topics.

Travel Insured International Review for 2024

• Travel Insured International is a well-established travel insurance provider with over 25 years of experience .
• Travel Insured International offers three travel insurance plans .
• Though they vary in coverage, they all include protection for trip cancellation, delays, medical evacuations and lost baggage . 
• You can purchase add-ons to further extend your coverage . These include cancel for any reason (CFAR) coverage, rental car damage coverage, event ticket registration fee protection and coverage for work-related cancellations.
• To compare multiple plans and find the one that best suits your needs, we recommend using our online comparison tool .

With over 25 years in the industry and an impressive A+ rating from the Better Business Bureau , Travel Insured International stands out as a reliable choice for a travel insurance provider.

The company caters to various travel needs by offering flexible plans and comprehensive coverage options .

In this guide, we’ll explore Travel Insured International’s insurance plans and customer experiences to help you determine if it’s the right fit for your travel insurance needs.

• Annual and single-trip policies are available
• High non-medical evacuation coverage
• Travel and baggage delay coverage after only 3-hour delays
• Travel inconvenience upgrades available
• Basic plan offers only medical coverage for seniors
• Limited medical coverage compared to competitors

Yes, Travel Insured International is a completely legit and great travel insurance provider . It’s a veteran of the industry with over 25 years of experience insuring travelers on trips around the world. 

The Better Business Bureau awarded Travel Insured International an A+ rating and accreditation as a sign of its longtime history of industry savvy and attentive customer service. Plus, it’s backed by Crum & Forster, an insurance company in operation since 1822. 

For an in-depth look at the benefits of Travel Insured International’s travel insurance, take a look at the highlights below. 

Bottom line: Main highlights of Travel Insured International travel insurance

One of Travel Insured International’s main benefits is its flexibility. 

The provider offers a wide range of plans for travelers to choose from. Some plans even offer free coverage for children , making this a great option for families.

Travel Insured International plans offer primary coverage with high medical and medical evacuation limits , thus casting a wide net of protection should an incident occur and giving you greater peace of mind in light of unexpected events.

Travel Insured International offers three single-trip insurance policies through our comparison tool . 

These plans vary in specific coverage, though they all offer compensation for trip cancellation, delays, medical evacuations and lost baggage.

Travel Insured International

Here’s a quick overview of each plan and its range of coverage:

Worldwide Trip Protector:

This plan comes with numerous benefits, including 100% trip cancellation, 150% trip interruption, $100,000 for medical expenses, emergency medical evacuation coverage and missed connection protection. It’s a good plan for well-rounded coverage that includes many common travel mishaps.

Worldwide Trip Protector Plus:

This policy also offers 100% trip cancellation coverage , 150% trip interruption and $100,000 for medical expenses. Other benefits are cancel for any reason and interrupt for any reason coverage (CFAR and IFAR, respectively), meaning you can be reimbursed if your trip is cut short or called off. Also included is rental car damage protection, which can be added to the other two plans for an additional fee. Though more expensive, this option is good for those who want an extra layer of protection.

Worldwide Trip Protector Edge:

Included in this plan is 100% trip cancellation, 100% trip interruption, $10,000 for medical expenses, $100,000 for medical evacuation and $750 for baggage protection. Some benefits, like those for medical expenses and evacuation, can be increased with an optional upgrade. Though it has fewer benefits than the previous two plans, this budget-friendly policy is customizable for those who want more control over their coverage.

Here is a brief look at how each plan differs:

Travel Insured International also offers one annual multi-trip travel insurance policy , the Annual Multi-Trip Protector. This policy includes coverage for medical expenses and evacuation as well as typical post-departure benefits like trip interruption and loss of personal belongings. Unlike single-trip coverage, this policy has an extended term and protects any trip you take during that window. 

Optional add-ons

For greater protection during your trip, Travel Insured International offers several add-on benefits . These aren’t typically included in standard insurance policies but will extend coverage even further for an additional fee. Here are four upgrades you can add to your plan:

Cancel for any reason (CFAR) 

Even with extensive planning, sometimes a trip must be unexpectedly canceled. To protect against surprise cancellations, consider adding cancel for any reason coverage  to your travel insurance plan. With this benefit, you’re eligible for reimbursement of nonrefundable trip costs that aren’t otherwise covered by your policy.

Rental car damage coverage 

This optional add-on keeps you protected in the event your rental car is damaged or stolen. Covered damage includes collisions, vandalism, natural disasters and any other situation beyond your control that occurs while the car is in your possession. If you plan to rent a car during your trip, this add-on might be a worthy addition to your insurance policy. At Travel Insured International, the maximum benefit amount for rental car coverage ranges from $25,000 to $50,000.

Event ticket registration fee protection 

If a ticketed event is part of your trip itinerary, you might consider adding registration fee protection to your travel insurance plan. This optional coverage can be tacked on to any Worldwide Trip Protector policy and will reimburse you for the cost of unused event tickets or registration fees. To be eligible, your tickets must be listed as nonrefundable by their distributor, and your reason for not attending the event must be on the list of covered unforeseen circumstances. If this is the case, you may receive up to $1,000 worth of reimbursements.

Cancel for work reasons 

Unexpected work obligations can put a hold on your travel plans, potentially leaving you at a financial loss. If you think work might pull you away from your trip, extra coverage for work-related cancellations may be a useful addition to your plan. With this add-on, the full cost of your trip can be reimbursed, assuming your situation falls under the list of covered scenarios, which includes being required to work on the trip. For this coverage, the maximum benefit amount is 75% of the total trip cost.

Like any travel insurance policy, some benefits aren’t included in Travel Insured International’s plans. 

Depending on the policy you choose, things that aren’t covered include:  

• Loss of audio or visual aids, like eyeglasses, contacts or hearing aids 
• Injuries caused by self-harm 
• Losses incurred while you were under the influence of drugs or alcohol 
• Injuries caused by participation in extreme activities (think skydiving) 
• Routine check-ups or dental exams 
• Mental health emergencies, unless they require hospitalization

According to our sales data, visitors who purchased a Travel Insured International plan through our website spend an average of $102 for travel insurance for a two-week trip. This equates to an average cost of $8.58 per day for travel insurance .

To give you a better idea of how much plans from Travel Insured International cost, we got multiple quotes for each plan to five different countries and found the average cost for each.

Average Cost of Travel Insured International Plans

While these serve as an estimate, keep in mind that these numbers are for example purposes only, and your own costs will vary based on the specific parameters of your trip. We recommend getting a quote for updated pricing.

Methodology for reaching these averages:

We applied the following parameters to each quote:

• Total trip cost : $2,000
• Trip duration : Seven days
• Time of trip : September 2024
• Destinations: The Bahamas , Italy , Mexico , Thailand , & Kenya

Since your state of residence determines which plans are available, we got quotes in California for the Worldwide Trip Protector plan and the Worldwide Trip Protector Edge. For the Worldwide Trip Protector Plus plan, our quotes were based on a resident of New York.

Taking a trip insured by Travel Insurance International gives customers a unique perspective of the company’s effectiveness. If you’re considering a plan from this provider, customer reviews can help you make a more informed decision. 

On Squaremouth , Travel Insured International has more than 3,300 reviews with an overall rating of 4.39 out of five .

Here’s what customers like and dislike about Travel Insured International.

What customers like

Customers have plenty of good things to say about Travel Insured International. Some commonly mentioned positives are:

• Flexibility 
• Comprehensive policies 
• Knowledgeable staff 

“Very knowledgeable staff when you call. Have used before and will use again. Very flexible options from medical only to full trip cancelation coverage.” -  Howard

“The settlement was exactly as we had expected based on our documentation and receipts.” -  Kathleen

What customers don’t like

Some customers had less-than-stellar experiences. Some frequently mentioned areas for improvement include:

• Hard-to-reach customer service 
• Tedious claims process 
• Miscommunication 

“Horrible customer service. Took days for a reply to email. Never was able to get it resolved before I left.” -  Kathryn  

“Our trip was interrupted due to COVID. I expected some help from their “concierge” line, but after waiting 50 minutes on hold I received nothing except “file a claim once you’re home.” Literally zero help arranging alternate transportation or hotel.” -  Joseph

Overall, Travel Insured International is undoubtedly a high-quality travel insurance provider. 

With a thorough range of benefits and an extensive list of optional add-ons, it’s clear why the company is a top-rated insurance provider among travelers. Its three policies each cover a standard selection of vacation mishaps, including trip cancellation and interruption, medical expenses and lost baggage. 

If you’re looking for an excellent range of coverage with customizable add-ons and family-friendly prices, Travel Insured International may be the right provider for your next trip . If you’re looking for higher maximum limits and easier claims processes, however, you might be better off looking elsewhere for your travel insurance.

What is covered under Travel Insured International insurance?

The policies offered by Travel Insured International vary in coverage. Depending on your chosen plan, you can expect insurance benefits designed to protect your health, finances and personal belongings. 

Covered items include:  

• Trip cancellation and interruption 
• Missed connections 
• Rewards points reimbursement 
• Nonmedical evacuation 
• Accident and sickness expenses 
• Lost or stolen baggage 
• Baggage delay

Does Travel Insured International travel insurance cover COVID-19?

Yes, COVID-19 is included in Travel Insured International’s coverage . This insurance provider treats COVID-19 as it would any other sickness, meaning you’re covered for a range of losses that it might lead to. This includes things like trip interruption or cancellation, medical evacuation and medical expenses. For some plans, medical insurance terms require the COVID-19 diagnosis to be confirmed by a physician rather than relying on the results of an at-home test. 

The same guidelines that dictate whether an illness counts as a pre-existing condition apply to cases of COVID-19. If your chosen plan includes a pre-existing medical condition exclusion waiver , any losses that occur are likely to be covered.

Does Travel Insured International offer ‘cancel for any reason’ coverage?

Cancel for any reason coverage, or CFAR, is available as an optional add-on to most plans at Travel Insured International. Under this coverage, you’re eligible for reimbursement of any unused, nonrefundable payments or deposits you made when planning your trip. If your trip is canceled for reasons not otherwise covered in the plan, you can recover a portion of the trip cost up to the set maximum benefit amount. 

CFAR applies only when it’s added to your plan during a specified time period and the trip is canceled no later than 48 hours before your scheduled departure. It’s important to note that this doesn’t cover travel arrangements paid for but not provided by a third-party travel agency.

Does Travel Insured International have international travel insurance?

Yes, Travel Insured International offers travel insurance for international trips. This means your coverage will remain in effect when you’re outside your home country, so any sickness or accidents you incur abroad are likely eligible for coverage. Some benefits, like emergency medical evacuation, are included specifically for international travelers.

Hayley Harrison is an active personal finance contributor for LA Times Compare. She is passionate about helping consumers make informed financial decisions and achieve their financial goals by simplifying complex topics relating to insurance and personal finance.

Hayley brings first-hand knowledge of the finance industry thanks to her previous experience as a branch manager for a mid-sized regional bank and as a licensed accident and health insurance agent.

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Travel Insured International Review

One of my top-rated companies, they have better coverage and more options than comparable plans

Top reasons to buy

• Value for traveler- lots of coverage for low cost
• Unique coverage for hurricane season (see below)
• Very reputable company backed by one of the oldest insurers in the world.

Flaws but not dealbreakers

• Baggage coverage is slightly lower than comparable plans

Bottom line

Always in my top recommended plans. Travel Insured has better coverage, unique coverage other plans lack, and are priced similarly. Backed by one of the world’s oldest insurance companies, very reputable.

Company information

Worldwide Trip Protector (Most Popular)

Worldwide Trip Protector Edge

Travel Medical Protector

Money Back Guarantee

Free look up to 14 days after purchase

Customer Service

800-243-3174 Hours of Operation: Weekdays, 8:00am – 9:00pm ET

Emergency Assistance:

Inside USA 800-575-5014 Outside USA 603-328-1926

800-243-3174 Claims Hours of Operation: Weekdays, 8:00am – 6:00pm ET

Full Travel Insured International Review

Summary: Travel Insured offers one of my top-recommended plans– Worldwide Trip Protector. Their plans have better coverage for weather/hurricanes, and include coverage that other plans don’t have. Their plans cover Covid-19 for cancellation and medical treatment. They also offer the popular Cancel For Any Reason upgrade.

Their Worldwide Trip Protector plan is a great overall recommendation. I have personally purchased this plan for a family trip, and they paid my claim for a canceled trip.

Worldwide Trip Protector is featured on both of these lists:

• Best Cruise Insurance Plans
• Best Family Plans

Travel Insured keeps things simple with only three plans. Most travelers will buy Worldwide Trip Protector as a great overall plan. They also offer Worldwide Trip Protector Edge, which is a budget-friendly version of the same plan but with lower coverage limits. Finally, they offer Travel Medical Protector. This is a plan without cancellation coverage, and it focuses on emergency medical for international travel.

Company Information Travel Insured was founded in 1994 so they have been in the business for a long time. In 2015, Travel Insured was acquired by Crum & Forster– an insurance company with a 200 year (!) history and plenty of financial backing. Travel Insured is a reputable company that can be relied on to pay claims.

What does Travel Insured insurance cover?

Travel Insured’s two travel insurance plans (Worldwide Trip Protector & Worldwide Trip Protector Edge) are for most travelers. They are the plan you would buy for a vacation, cruise, tour, or any other trip where you are worried about losing money for a canceled trip.

Like all travel insurance plans, they cover:

• Trip cancellation & interruption
• Emergency medical expenses
• Medical evacuation expenses
• Lost, stolen, or damaged baggage
• Travel delays
• Delayed baggage
• 24/7 worldwide assistance

Travel Insured International & Cancel For Any Reason Insurance

Travel Insured offers Cancel For Any Reason coverage as an optional upgrade with Worldwide Trip Protector. It is not available with Worldwide Trip Protector Edge, because this plan is designed to be budget-friendly. It is not available with Travel Medical Protector because this plan doesn’t cover canceled trips– it focuses on medical emergency coverage abroad.

Some companies, such as Allianz, don’t offer this upgrade. Even though it is optional, I believe it is better to have the option. This is why I recommend Travel Insured over Allianz.

Travelers like the peace-of-mind this coverage provides. It gives you a lot of flexibility in cancelling your trip and still getting most of your money back.

Travel Insured International and Covid-19

Worldwide Trip Protector covers Covid-19 for both trip cancellation and emergency medical expenses.

Trip Cancellation and Covid-19

Travel Insured treats Coronavirus like any other sickness when it comes to trip cancellation coverage . Trip cancellation covers cancellations if someone gets sick or injured before the trip and cannot travel. This is the most popular reason for trip cancellation, and travelers make claims for this all the time. It might be a child with the flu. Or a parent having a stroke and you need to care for them.

In the case of Covid, if you get sick before departure and your doctor advises you to cancel, this is a covered reason for cancelling . You would receive any trip expenses you lose as a reimbursement from the insurance company. Physicians provide verification for this all the time.

Emergency Medical Treatment and Covid-19

Similarly, Travel Insured’s plans cover Covid as they would any other sickness for emergency medical care . If you are traveling abroad and get sick or have an illness, you are covered for medical care costs.

Travel Insured International Hurricane & Weather Coverage

Travel Insured has some of the best hurricane & weather coverage for trip cancellation. Here is what makes their coverage better than other plans.

They cover hurricane warnings from the NOAA

This is some small print that many plans don’t have, and it makes Travel Insured a better plan for hurricane & weather concerns.

Many plans cover sever weather that damages your destination. In these cases, you need the hurricane it actually strike and cause damage to your resort that shuts it down. But, what if it strikes and leaves a mess behind, but doesn’t close your resort? Technically you can still take your trip.

With this coverage, if the NOAA issues a hurricane warning that includes your destination within 48 hours of your departure, you ‘re covered. You can cancel and receive reimbursement. That extends your coverage by a lot, and protects your money better.

Their delay trigger is 6 hours instead 12+

Travel insurance covers cancellation for common carrier delays. This means an airline being shut down due to severe weather. But all plans have a different amount of time before that coverage is “triggered”. Some plans require a delay of 12, 24, or even 48 hours. This means you can be delayed 47 hours and you still can’t cancel your trip and be covered.

Travel Insured has a delay trigger of 6 hours, which is low. That’s good. There are plans that have a trigger that states “delay of any length of time”, which is better. But these plans don’t have the NOAA warning coverage. If I had to choose I’d rather have 6 hours and warning covered, instead of 0 hours and no warning covered.

How much is Travel Insured insurance?

Travel Insured tends to be similar in price to comparable plans, but with better coverage and options.

Here is an example of the difference in price and coverage:

Trip information: Two-week trip with a trip cost of $4,000, one traveler aged 46.

Travel Insured Worldwide Trip Protector – $228 This is a plan with medical limit of $100,000. This is an adequate amount of travel medical coverage for most trips. Compare this to only $50,000 on the Allianz plan below.  Travel Insured has better hurricane & weather coverage (more below). This plan also has the option to upgrade with Cancel For Any Reason.

Trawick Safe Travels Voyager – $241 Similar coverage, but the medical limit here is even higher at $250,000. This is more than adequate travel medical coverage for most trips. This plan also has the option to upgrade with Cancel For Any Reason, but the hurricane coverage is not as good.

Allianz OneTrip Prime- $217 Most coverage is similar, but this plan only has emergency medical coverage up to $50,000. This is a decent amount, but for trips like cruises and travel abroad, I recommend a minimum of $100,000. This plan also has no option for Cancel For Any Reason coverage. This is an upgrade that many travelers like to have for their trip. Most companies offer CFAR upgrades on at least one plan, but Allianz has no coverage for this.

All of the plans are a little more than 5% of the trip cost, which falls within the usual travel insurance range of 4-10%.

Travel Insured International Plans

Single trip trip insurance plans.

Worldwide Trip Protector This is Travel Insured’s most popular plan. It is also one of my top recommendations for all travelers. It has $100,000 of Primary medical coverage, and $1,000,000 of emergency evacuation coverage. It covers Covid for both cancellation and medical treatment. It also includes the better hurricane and weather coverage with NOAA warnings covered. Overall an excellent plan.

Worldwide Trip Protector Edge This is similar coverage, but less coverage limits. It is for budget-minded travelers who want coverage without increasing their travel budget as much. This plan does not have the Cancel For Any Reason option available. It also does not have coverage for NOAA hurricane warnings.

Travel Medical Plans

Travel Medical Protector This is Travel Insured’s plan for travelers who don’t need cancellation coverage, but want medical coverage abroad. It covers $50,000 for medical emergencies, $1,000,000 for evacuation. It’s a fine plan, but there are better options for travel medical insurance.

Travel Insured International FAQs

Is Travel Insured International a good company?

Yes, absolutely. Travel Insured has been in business since 1994. They were recently acquired by 200 year old Crum & Forster. They have incredible financial backing, and are a stable, trustworthy, and reputable company.

Which Travel Insured plan is best?

Worldwide Trip Protector is their best plan. It has high coverage limits, covers NOAA hurricane warnings, has the option for Cancel For Any Reason, and is reasonably priced.

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The following companies are our partners in Travel Insurance:  Travel Guard Insurance ,  Travelex ,  TravelInsurance.com ,  Seven Corners ,  Generali Global Assistance ,  Trawick International ,  Squaremouth ,  John Hancock , and  Faye .

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EDITOR'S PICK

Best Price Guarantee By Comparing Top Providers In A Single Platform

• Buy online and get instant coverage by email
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• Over 100,000 verified customers with 5-star reviews and $3.5 billion in protected trip costs
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The following companies are our partners in Travel Insurance: Travel Guard Insurance , Travelex , TravelInsurance.com , Seven Corners , Generali Global Assistance , Trawick International , Squaremouth , John Hancock , and Faye .

We sometimes offer premium or additional placements on our website and in our marketing materials to our advertising partners. Partners may influence their position on our website, including the order in which they appear on a Top 10 list.

The analyses and opinions on our site are our own and our editors and staff writers are instructed to maintain editorial integrity. Our brand, ConsumersAdvocate.org, stands for accuracy and helpful information. We know we can only be successful if we take your trust in us seriously!

To find out more about how we make money and our editorial process, click here.

How is Travel Insured International rated?

Overall rating: 3.4 / 5 (very good), travel insured international plans & coverage, coverage - 3.5 / 5, emergency medical coverage details, baggage coverage details, travel insured international financial strength, financial strength - 3.5 / 5, travel insured international price & reputation, price & reputation - 3.5 / 5, travel insured international customer assistance services, extra benefits - 3 / 5, travel assistance services.

• Return Travel Arrangements
• Lost Baggage Search
• Lost Passport/Document Assistance
• Emergency Cash
• Translation Services
• Legal Assistance Referral

Emergency Medical Assistance Services

• Physician Referral
• Emergency Medical Case Management
• Arrange Medical Payment Where Available
• Eyeglass Replacement Assistance

Concierge Assistance Services

• Restaurant/Event Referral and Reservation
• Ground Transportation Recommendations
• Wireless Device Assistance

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Travel Insured International   Reviews

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Reviews 4.1.

Most relevant

Very overpriced and uncancellabe

Very overpriced. Cancellation policy not disclosed and my trip was cancelled and I could not cancel the coverage. Never again.

Date of experience : March 03, 2024

The trip was amazing and the crew were…

The trip was amazing and the crew were extremely helpful even though tips were included in the deal. I forgot my sun glasses and due to the sun and the reflections off the snow they were needed. One of the expedition leaders let me use his. All the staff were excellent and even our suite was upgraded.

Date of experience : February 26, 2024

Travelers Beware.

I was a first time user of Travel Insured International while booking a cruise. The policy states that “benefits will be paid if you or a family member’s or a traveling companion’s covered sickness or injury, which: a) occurs before the departure of your trip, b) requires medical treatment at the time of cancellation resulting in medically imposed restrictions, certified by a legally qualified physician, and c) and prevents your participation in the trip.” I was diagnosed, and treated by my physician, who supplied the necessary requested information and stated that my knee osteoarthritis prevents me from traveling and please allow me to cancel the trip. Travel Insured International refused to refund the full amount of travel and opted for the “cancel any reason” which only refunds fifty-percent of the cost, by stating, and I have this in an email, that there was “no medical treatment with restrictions the time I cancelled.” The company will not acknowledge that medical treatment had occurred before I cancelled, and that treatment continues. The claims rep, Wyatt, that I initially spoke with, said that because I didn’t cancel at the date of the first treatment was the reason of their refusal to refund the full price. So I asked if I did cancel on the date of my treatment I would get a full refund? Her response was, “I don’t answer theoretical questions.” How crazy making is that? Realistically, if we were talking about a hundred bucks I could let it go. We’re talking about the loss of over two-thousand dollars. The other one star reviews of this company are accurate in their descriptions of the processes in filing a claim, and the issues and tactics that this company employs. I’m also baffled at the five star reviews that state they bought a policy but never had to file a claim. This makes absolutely no sense to me as why anyone would review a company for just buying a policy. ??? It may not come to anything, but I plan on filing with the Pennsylvania Insurance Commission, The State Attorney General, the BBB, and any social media site, to alert anyone who might consider using this company.

Date of experience : March 07, 2024

Easy to purchase

I didn't have to use any insurance, thankfully, but buying and choosing an insurance for my travels was easy.

Date of experience : April 08, 2024

Costly, but I had peace of mind.

I bought insurance for a trip abroad and felt comfortable that I was well covered for emergencies. Because I am elderly, my insurance was almost double of that of my fellow traveler, as was expected. I didn’t need to use the insurance, but it was there if I needed it,

Date of experience : February 01, 2024

Simple and like the annual coverage

Date of experience : March 04, 2024

Thailand trip

I really have no experience except for purchasing the insurance for the trip. I didn't need to use the insurance, so it was a safe and enjoyable trip. Purchase was extremely easy and the rates are good.

The website is so simple to use

The website is so simple to use. That is a big deal to me.

Date of experience : April 25, 2024

I’d give them 0 stars if that were an…

I’d give them 0 stars if that were an option. If you want to spend your money and not file a claim, I suppose this is a fine choice. If you have to file a claim, be ready to be talked out of it, and if you choose to file it (you should see the list you have to produce - block out a day), not having it covered. Oh, they’ll have reasons, which are very different than the reasons they give as to why you need to buy a policy in the first place. And, you should know, I RARELY write reviews under 4 stars. Now I have probably lost another 1K for a trip next year I used them for before I realized how shiesty they were.

Date of experience : March 06, 2024

I took this insurance before our cruise to Alaska

I took this insurance before our cruise to Alaska. Due to a medical issue, we were unable to make the cruise. The cruise line only gave us back a small portion as we were 35 days prior to sail date. I contacted Travel Insured and they provided me with forms needed for a refund of the rest of the costs. Easy to purchase this and used it again on a recent cruise.

Date of experience : September 06, 2023

Great product and great customer…

Great product and great customer service.

Date of experience : January 02, 2024

The trip was great and did not need to…

The trip was great and did not need to use the insurance at all. However it was a great peace of mind to know it was there.

Date of experience : March 20, 2024

Ease in getting the quote and securing…

Ease in getting the quote and securing the coverage.

Date of experience : March 23, 2024

Hard to review unused insurance

It's hard to review something you didn't use, but glad to know it was there if we needed it. I hope it would have come through with flying colors if we had to use it. We would still buy travel insurance again!

Date of experience : February 20, 2024

Complete peace of mind while travelling

While we had no travel disruptions or any medical issues during our recent overseas cruise from Thailand, Vietnam, Brunei, Malaysia, Philippines and Taiwan, I had complete piece of mind knowing if Ii had any issues, I had very thorough travel insurance.its hard to put a price on peace of mind, it made the trip all the more enjoyable.

Date of experience : March 01, 2024

Thank goodness it is hard to rate this…

Thank goodness it is hard to rate this travel insurance. Purchase was easy. But did not need it so have had no contact with them since purchase. This is the way I like to interact with travel insurance companies.

Date of experience : February 06, 2024

I contracted ALS after I planned my…

I contracted ALS after I planned my trip and did not travel. I filed a claim with you. I provided every document you requested. I have heard nothing from you. The date below is the date I filed my claim. What's going on?

Date of experience : January 07, 2024

The ease and options to scale our…

The ease and options to scale our insurance needs for our trip was paramount. Having piece of mind in the event of cancellation was also well worth the money spent.

Date of experience : March 11, 2024

Review re travel to San Juan

The agents were pleasant and informative. I don't have any negative comments, since I did not require help with anything, the trip turned out to be a smooth one.

Date of experience : February 19, 2024

Very relieved to know I was covered for…

Very relieved to know I was covered for any situation. All was good and never had to submit a claim. Thank you.

Date of experience : March 19, 2024

• Travel Insured International
• Provider Review

Reviews, Sales, and Service Ratings for Travel Insured International

0.1% (191) negative reviews to sales Average on Squaremouth is 0.2%

• 5 stars 2072
• 4 stars 651
• 3 stars 264
• 1 star   111
• Customer Service Before Trip
• Customer Service During Trip
• Customer Service During Claim

Customer Reviews for Travel Insured International

Sort by Most Helpful, Most Recent, Star Ratings, or select “Filed Claim” to only show reviews from customers who filed a claim.

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• Sort and Filter Sort/Filter All ratings 1 star 2 stars 3 stars 4 stars 5 stars Newest First Rating, best to worst Rating, worst to best Most helpful first Filed claim

It is hard to compare so many offerings, especially when I don't understand the minute differences in coverage. The representatives always help me make a decision and came up with different ways to meet the variety of needs that we had.

I don’t know yet. I filed the claim online and so far have not heard from anyone. It has only been a couple of days.

It gives travelers peace of mind.

The customer service with recommendations tailored to my travel itinerary were extremely beneficial, followed by an easy purchase and confirmation process. Your competitive pricing, and robust coverage tipped the scales over your competition.

I had to explain documents somewhat more than I thought was necessary.

Squaremouth is great to work through when finding the insurance I need for trips. Once I decided on Travel Insured International I had a few questions for them before the actual purchase. They were very good about answering the questions so I was able to make a decision.

I have another trip coming up which I have already purchased insurance; Squaremouth/Travel Insured International, and I may have another later this year.

Did not file a claim but very good experience with buying the policy and interacting with agent.

I will use again in the future.

I called the 24 hr line while we were in DR. The representative was very nice. My husband and I were sick in our rooms for 3-4 days of our trip due to either norovirus or E. coli. I was hoping that something would be covered, but I was told no. This is the reason that you purchase insurance. We were completely unable to enjoy this trip.

Customer service was excellent when I ran into an issue with purchasing the policy and had an inquiry about a claim.

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• Global Underwriters
• HTH Travel Insurance
• INF Visitor Care
• John Hancock Insurance Agency, Inc.
• MedjetAssist
• Nationwide Mutual Insurance Company
• Seven Corners
• Travelex Insurance Services
• Trawick International
• USA-Assist Worldwide Protection
• USI Affinity Travel Insurance Services

Additional Information

• AM Best Ratings

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

9 Best Travel Insurance Companies of April 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance Companies.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation when unexpected issues arise. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

• Travelex Insurance Services: Best Overall
• Allianz Travel Insurance: Best for Trip Interruptions
• HTH Travel Insurance: Best for Groups
• Tin Leg: Best Cost
• AIG Travel Guard: Best for Families
• Nationwide Insurance: Best for Last-Minute Travel Insurance
• Seven Corners: Best for 24/7 Support When Traveling
• Generali Global Assistance: Best for Medical Emergencies
• Berkshire Hathaway Travel Protection: Best for Specialized Coverage

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

• 100% of the insured trip cost for trip cancellation; 150% for trip interruption
• Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
• $750 in missed connection coverage
• $50,000 in emergency medical and dental coverage
• Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

• Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
• $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
• Up to $1,600 for travel delays
• Emergency medical coverage of up to $75,000
• Epidemic coverage

Generous coverage at the mid- and high-tier levels, and great group discounts

Preexisting conditions coverage is only available at mid- and high-tier plans

• 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
• Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
• Up to $2,000 in coverage for trip delays; $1,000 for missed connections
• $500,000 in coverage per person for sickness and accidents

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

• 100% trip cancellation protection; 150% trip interruption
• $500 per person for lost, stolen or damaged baggage and personal items
• Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
• $100,000 per person in emergency medical coverage, including issues related to COVID-19

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

• Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
• Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
• Up to $1,000 in missed connection and trip delay coverage
• $100,000 in emergency medical coverage

Variety of plans to choose from and coverage available up to a day before you leave on your trip

Limited trip cancellation coverage even at the highest tier

• Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
• $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
• Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
• $150,000 for emergency medical and dental issues

Customer service available 24/7 via text, Whatsapp, email and phone

Cancel for any reason coverage costs extra

• 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
• Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
• Trip delay and missed connection coverage worth up to $1,500
• Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

Generous emergency medical and emergency evacuation coverage

Coverage for those with preexisting conditions is only available on the Premium plan

• 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
• $2,000 in coverage for loss of baggage per person
• $1,000 per person in travel delay and missed connection coverage
• $250,000 in medical and dental coverage per person

In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

• Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
• $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
• Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
• Medical coverage worth up to $50,000

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong June 2024 trip to Spain for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or Travelex, but you can also shop and compare policies with a travel insurance platform. Popular options include:

• TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
• InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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The Best International Travel Insurance Companies

Best for solo travelers.

John Hancock

Best for Thrill Seekers

Best for Group Travel

APRIL International

Best for Travel Flexibility

TravelSafe Insurance

Best for Longer Trips

Travel Insured

Best for Plan Options

Allianz Global Assistance

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Reviews Report

• IMG is Reviews.com’s top pick for the best international travel insurance, scoring 4.75 out of 5.
• The best international travel insurance providers have high medical, trip interruption, and personal baggage coverage limits.
• Remember that in some cases, home insurance will cover some travel hiccups, so research coverage options before you buy.

Booking an international trip is an investment. With travel insurance , that investment is protected against unexpected situations during your travels that could cost money. For instance, if you get sick before a trip and can’t travel, travel insurance will reimburse you for the cost.

International travel insurance policies should include coverage for trip cancellations, emergency medical needs , delayed transportation, and lost luggage. If you’ve pre-paid for activities or transportation during your trip, getting insurance is worth the cost. If something happens that’s out of your control, you won’t have to worry about losing money.

The 6 Best International Travel Insurance Companies

• John Hancock : Best for Solo Travelers
• IMG : Best for Thrill Seekers
• APRIL International : Best for Group Travel
• TravelSafe Insurance : Best for Travel Flexibility
• Travel Insured : Best for Longer Trips
• Allianz Global Assistance : Best for Plan Options

Why we chose it

• 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
• $50K–$250K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
• 90 days Trip Length This is the maximum number of days the travel insurance company will cover your trip.
• High medical coverage limits
• Multiple plans to choose from
• Excellent customer service
• Kids not included
• No adventure sports coverage

Add-ons & Coverage

• Trip cancellation: 100% of cost
• Cancel for any reason: 75% of cost
• Lost baggage: $750–$2,500
• Medical evacuation: $250K–$1M
• 24/7 emergency travel assistance

Best for Thrillseekers

• 4.75 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• $500K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
• 180 days Trip Length This is the maximum number of days the travel insurance company will cover your trip.
• Most variety of plans
• Tailored to adventure sports
• Cancel for any reason
• Few optional coverage options
• Higher cost than competitors
• Lost baggage: $150–$2,500
• Medical evacuation: Up to $1M
• Sports equipment rental: $2,000
• Patriot Travel Medical Insurance
• Patriot America Plus
• Patriot Platinum Travel Medical Insurance
• iTravelInsured Travel Insurance Lite, SE, LX
• GlobeHopper Senior
• Patriot Multi-Trip Travel Medical Insurance
• 4.25 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• NR AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
• 60–90 days Trip Length This is the maximum number of days the travel insurance company will cover your trip.
• High coverage for trip delay
• Group travel policies available
• Cancel for any reason available
• Low trip cost coverage
• Sports equipment coverage not automatic
• Cancel for any reason: 75% of cost (only for Pandemic Plus plan)
• Trip interruption: 150%–175% of cost
• Medical evacuation: $500K (only for Pandemic Plus plan)
• Lost baggage: Up to $2,500
• APRIL Pandemic Plus
• APRIL Trip Cancellation
• APRIL Choice w/ Pre-Ex Waiver
• APRIL Cruise
• 3.25 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• $35K–$100K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
• 30 days Trip Length This is the maximum number of days the travel insurance company will cover your trip.
• Missed connection coverage
• Limited itinerary change coverage
• Lower trip interruption coverage than competitors
• Trip cancellation: $10K–$100K
• Cancel for any reason: 75% of cost (only for Classic plan)
• Trip interruption: 100%–150% of cost
• Medical evacuation: $100K–$1M
• Lost baggage: $100–$2,500
• 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• $10K–$100K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
• Itinerary change coverage
• Above average trip length coverage
• Lost miles and rewards reimbursement
• Lower lost baggage coverage than competitors
• Lower than average medical coverage
• Cancel for any reason: 75% of cost (only with World-wide Trip Protector Plus)
• Lost baggage: $750–$1,000
• Optional cancel for work reasons
• Optional upgrades to double limits
• 3.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
• $10K–$50K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
• Annual trips covered
• Lengthy single-trip plans
• Kids’ coverage is included
• Lower medical limits than competitors
• Limited coverage upgrades
• Lower cancellation and interruption coverage
• Trip cancellation: $5K–$100K
• Trip interruption:$5K–$150K
• Lost baggage: $500–$2K
• 24-hour hotline assistance
• AllTrips Basic, Executive, Premier, and Prime
• OneTrip Prime, Basic, Premier, Emergency Medical, and Cancellation Plus

How to Find the Best International Travel Insurance

Buy sooner rather than later : Some travel insurance policies are time-sensitive, so we recommend purchasing insurance at the same time as your plane tickets, hotel rooms, and other expenses. 

Also, if you plan to add “cancel for any reason” or “cancel for work reasons” coverage, it’s a good idea to buy those as soon as possible, too. You never know when something might arise that conflicts with your trip.

Consider your travel companions : The best policy for you depends on your trip and who you’re traveling with. If you’re traveling with kids, choose a company like Travelex that covers children under 18 for free. 

You’ll also want to take the ages of adult travelers into account. When we compared travel insurance quotes, IMG hiked its prices up much more for older travelers (ages 45 to 65), while Travelex and John Hancock tended to be a little more affordable. You can get quotes from several providers to see which one can give you the cheapest travel insurance policy . 

Avoid paying for double coverage : Many travel insurance companies promote upgrades that overlap with coverage you already have. For example, they may offer to cover your home and belongings while you’re away, but most homeowners and renters policies already protect those things. 

You may also see options like rental car insurance, but many credit cards have rental car damage waivers for international travel. Double-check your current insurance policies to make sure you don’t end up paying for duplicate coverage.

Travel Insurance FAQ

How much does international travel insurance cost.

The cost of international travel insurance depends on where you’re going, how long you’re going to be abroad, how many people you’re traveling with, and extra coverage. Some insurance companies calculate rates based on a certain percentage of your trip’s total pre-paid cost.

How much travel insurance do I need?

The amount of travel insurance you need is based on the pre-paid cost of your trip and the level of risk you face. For instance, someone going on a low-risk beach vacation in the Bahamas won’t need as much coverage as someone traveling to go mountain climbing in Nepal.

Methodology

We evaluated Provider or travel insurance providers based on coverage, number of plans, optional coverage, medical coverage limits, and AM Best ratings to determine Reviews.com scores and create our best travel insurance provider reviews. To compare travel insurance providers with other brands across the board, we calculate each Reviews.com score based on the following:

• Essential Coverage: When comparing travel insurance providers, we considered essential coverage to be 24/7 assistance, trip cancellation/interruption, medical evacuation, and more. Providers with more points of essential coverage scored higher. 
• Number of Plans: Flexibility and having options is important which is why Reviews.com awarded travel insurance providers with higher scores if they presented more plans. 
• Add-on Coverage: Travel insurance providers with more optional coverage add-ons scored higher in this metric — higher flexibility and customization in travel insurance is an indicator of the best travel insurance companies.
• Medical Coverage Limit: We compared the medical coverage limits of the best travel insurance companies and awarded providers with higher scores if they had higher medical coverage limits. 
• AM Best: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company’s financial stability.

About the Authors

Elizabeth Rivelli Contributing Writer

Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.

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Table Of Contents

• C&F Travel Insured International plans
• C&F Travel Insured International cost

Compare C&F Travel Insurance

• Why You Should Trust Us

C&F Travel Insured International insurance review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Between booking your hotel and packing all your travel essentials, even the most avid planners may overlook trip insurance. Travel insurance can help you recuperate financial losses to give you peace of mind, no matter how far away you are from home.

We are here to break down  Crum & Forster's coverage options, costs, and how the company compares to its competitors.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 2 major plans including CFAR coverage on the more expensive option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancellation for job loss included as a covered reason for trip cancellation/interruption (does not require CFAR coverage to qualify)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Frequent traveler reward included in both policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million in medical evacuation coverage available
• con icon Two crossed lines that form an 'X'. Medical coverage is only $100,000
• con icon Two crossed lines that form an 'X'. Reviews on claims processing indicate ongoing issues
• C&F's Travel Insured policies allow travelers customize travel insurance to fit their specific needs. Frequent travelers may benefit from purchasing an annual travel insurance plan, then adding on CFAR coverage for any portions of travel that may incur greater risk.

C&F Travel Insurance Review: Types of Policies Offered

Crum & Forster offers four coverage options: Worldwide Trip Protector Plus, Worldwide Trip Protector, Worldwide Trip Protector Edge, and Worldwide Trip Protector Lite.

With this travel insurance agency, you'll find an a la carte of coverage options and optional policy add-ons like "cancel for any reason" (CFAR) and "interrupt for any reason" (IFAR) coverage.

You'll find a comprehensive list of features included in each policy below:

C&F Insured Travel Medical Protector Plan

The Medical Protector Plan is Crum & Forster's least comprehensive plan, only offering medical insurance. So, if you're looking for trip cancellation coverage, consider purchasing one of the company's WorldWide options instead.

Below, you'll find coverage types and limits offered by C&F Travel Insured's Medical Protector Plan.

• Up to $5,000 in trip cancellation coverage
• Up to $50,000 in accident and sickness coverage which you can upgrade to a maximum of $1 million in coverage
• Up to $1 million in emergency medical evacuations, repatriation, and return of remains
• Up to $150,000 in non-medical emergency evacuation coverage
• Up to $1,000 in coverage for lost, stolen, or damaged personal items
• Up to $300 in coverage after 12 hours for baggage delay
• A total of $1,000 or $200 daily limit for travel delays
• Up to $50,000 in coverage for accident, death, and dismemberment on a flight
• Waiver of pre-existing medical conditions included

Additional coverage options from C&F Travel Insured International

If you need more coverage, you may fancy Crum & Forster's vast array of insurance add-ons and riders.

• Cancel for any reason coverage — Receive up to 75% of the cost of your trip for unused, forfeited, or nonrefundable deposits.
• Interrupt for any reason coverage — Starting 72 hours after your scheduled departure, C&F will reimburse up to 75% of nonrefundable costs. IFAR coverage is specific to land and water bookings.
• Cancel for work reasons coverage — Get reimbursed for up to 100% of the cost of your or your traveling partner's trip due to a work conflict.
• Air flight only, accident, death, and dismemberment coverage — Provides compensation for accidents during your flight.
• Electronic equipment coverage — Get reimbursed for electronics stolen, damaged, or destroyed during your trip.
• Event ticket registration fee protection — Receive reimbursement for unused, forfeited, or nonrefundable event ticket registration fees.
• Rental car damage and theft — Get coverage for rental car damages beyond your control.
• Travel inconvenience — Receive reimbursement for covered events such as closed attractions, beach closures, and flight delays.
• Bed rest — Get reimbursed for unforeseen ailments and injuries requiring bed rest or quarantine for at least 48 hours.

C&F Travel Insurance Cost

We ran various ages, travel destinations, and trip dates through Crum & Forster's quoting tool to generate several sample rates.

Scenario 1: 30-year-old/Australia/2023

If you're a 30-year-old Florida resident traveling to Australia for a week in January 2023, an $8,000 trip will run you about $297 to $417 in travel insurance.

The average cost of travel insurance sits at 4% to 8% of your total trip cost. So the average cost of travel insurance for an $8,000 trip would be $320 to $640. In this case, C&F Travel Insured is cheaper than the average price of travel insurance.

Scenario 2: 40-year-old/Mexico/2022

In this scenario, we used the profile of a 40-year-old California resident scheduled to travel by plane to Mexico for a week in December 2022. We've plugged in a trip cost of $6,000, and the company's travel insurance coverage estimated a cost of $267 to $373.

The average travel insurance cost for a $6,000 trip is about $240 to $480. Therefore, C&F Travel Insured's prices are below the industry average.

Scenario 3: 50-year-old/France/2023

Finally, we ran the numbers for a 50-year-old New York resident traveling by plane to France . A week in May 2023 will run the traveler $10,000.

Residents of New York can only purchase the Worldwide Trip Protector Plan, which costs $492. The average insurance cost for a $10,000 trip ranges from $400 to $800. So, a New York Resident can purchase a plan with this company at a slightly cheaper rate than the industry average.

How to File a Claim with C&F Travel Insured International

Filing a claim with Crum & Forster is simple. You can start a claim by filling out a short form with the plan number listed on your confirmation of benefits document and your last name.

Alternatively, you can give the company a call at 855-752-8303. C&F Travel Insured's hours of operation are Monday through Friday from 8:00 a.m. to 6:00 p.m. EST. You can also email the team at [email protected].

Learn more about how C&F Travel Insurance compares to popular travel insurance plans.

C&F Travel Insured International vs AIG Travel Guard

The most similar plan from AIG Travel Guard is the mid-tier Travel Guard Preferred Plan. Below, we've outlined some of the main features of this insurance policy.

• Up to $150,000 in trip cancellation coverage
• Up to $225,000 in trip interruption coverage
• A maximum of $800 in travel delay coverage
• A maximum of $50,000 in emergency medical coverage
• Up to $150,000 in emergency evacuations
• Up to $1,000 coverage for baggage loss, theft, or damage

Below, you'll find coverages for C&F Travel Insured's Worldwide Trip Protector plan.

• 100% in trip cancellation coverage
• 150% trip interruption coverage
• Up to $1,000 in travel delay coverage after 6 hours
• A maximum of $100,000 in medical emergency coverage
• Up to $1 million in emergency evacuations
• Up to $1,000 in coverage for baggage loss, theft, or damage

At a glance, C&F Insured's Worldwide Trip Protector offers more travel insurance coverage than AIG Travel Guard. AIG's travel insurance also caps the dollar amount of its trip cancellation and interruption coverage, which is something to keep in mind before buying travel insurance.

AIG Travel Insurance Review

C&F Travel Insurance vs iTravelInsured

iTravelInsured 's most popular plan is the Travel SE plan.

• 150% in trip interruption coverage
• Up to $250,000 (primary coverage) for emergency medical coverage
• Up to $2,000 ($125 daily limit) in travel delay coverage for delays after 12 hours.
• $1,500 ($250 per item) maximum for baggage loss, theft, or damage

You'll find more comprehensive medical and baggage loss coverage with iTravelInsured's SE plan than C&F Travel Insured Worldwide Trip Protector.

iTravelInsured Travel LX and C&F Travel Insure's WorldWide premium package also offer CFAR and IFAR coverage. Remember, your cost may vary based on personal factors such as age and travel destination. It's best to generate rates using the companies' quote tools and compare prices.

iTravelInsured Insurance Review

C&F Travel Insurance vs Credit Card Travel Insurance

Buying insurance through a travel insurance company like Crum & Forster is one of many ways to get coverage. However, travel insurance may also be a perk included in your credit card. It's essential to check if any of your credit cards offer travel insurance and if the coverage is sufficient to meet your needs.

A separate travel insurance policy can help you fill gaps in your credit card's travel insurance coverage. For instance, many credit cards offer trip cancellation and interruption coverage but not medical coverage. C&F Travel Insured's Travel Medical Protector plan may be a good addition if you only need to add medical-related coverage.

Best Credit Cards with Travel Insurance

Why You Should Trust Us: How We Reviewed C&F Travel Insurance

We looked at Crum & Forster's coverages and compared it to the best travel insurance policies. We analyzed coverage options, claim limits, available add-ons, and typical insurance policy costs. The right policy will offer sufficient coverage for your situation at the most competitive price.

C&F offers aggressive options if you're willing to pay a bit more. It also offers budget travel insurance plans for those looking to supplement credit card or other protections already in place. To find the travel insurance that makes sense, check out different providers and compare quotes. You can also read more about our ratings methods for insurance providers .

C&F Travel Insurance FAQs

Yes, C&F Travel Insured International is a legitimate travel insurance company. Founded in 1994, Crum & Forster (C&F) owns the insurance agency. C&F is a 200-year-old risk management company with an "A" (excellent) rating from AM's Best, an insurance credit rating industry, in 2021.

C&F allows travelers to buy insurance up to 3 years before the departure date. You can buy your coverage later as well.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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AIG Travel Guard insurance review: What you need to know

Whether you need an annual plan or a policy for a last-minute trip, travel guard can deliver..

Travel Guard is one of CNBC Select 's picks for best travel insurance , thanks to its wide range of customizable policies. But are any of them right for you? Below, we review the provider and its offers and how they compare to the competition to help you choose the right travel insurance for your next trip.

Travel Guard review

Other insurance offered, how it compares, bottom line, travel guard® travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

24/7 assistance available

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Travel Guard® is a global travel insurance provider specializing in plans for leisure and business travelers. Its online travel insurance packages include five options, from basic and last-minute trip coverage to more comprehensive plans. This allows travelers to pick a plan that best matches their situation.

For example, budget-minded travelers might go for the Essential Plan which offers basic protections, such as trip cancellation, interruption and delay insurance, coverage for lost, damaged and delayed baggage, and medical, evacuation and death coverage.

On the other hand, the Deluxe Plan — the most comprehensive option — adds such extras as missed connection coverage, security evacuation, travel inconvenience benefits and more. It also boosts high limits for essential coverages.

Last-minute travelers can opt for the Pack N' Go Plan which only includes certain post-departure coverages. Or, if you travel often, the Annual Plan can cover your trips throughout the year.

Finally, Travel Guard offers "offline" travel insurance packages, meaning you'll have to call if you're looking for a specialty plan.

Coverage types

Depending on the plan, here are the types of protection Travel Guard can include in your package:

• Trip cancellations
• Trip interruption
• Baggage coverage
• Baggage delay
• Travel medical expenses
• Travel inconvenience benefits (reimbursement for such situations as runway delays, cruise diversion and other unforeseen situations)
• Medical evacuation
• Trip Saver (reimbursement for meals, hotels and transportation if you need to begin your trip sooner due to weather or airline changes)
• Trip exchange (reimbursement in case you have to cancel your trip and book a new one due to covered unforeseen circumstances)
• Security evacuation (due to a riot or civil disorder)
• Flight guard (coverage for accidental death or dismemberment that occurs when traveling by plane)
• Pre-existing medical conditions exclusion waiver

You can also customize your plan with add-ons, such as car rental insurance and "cancel for any reason" coverage .

Travel Guard landed on our list of the best travel insurance companies thanks to its variety of coverage. With plenty of options to choose from, both online and offline, it's easy to build a policy that meets your needs.

Travel Guard also features 24-hour concierge services that you can use to book a new flight in case of an emergency or delay.

The provider's website also offers informational resources — here, you can check travel news, read safety tips and find general travel advice. Additionally, the website lets you modify your plan, file a claim and check its status, or apply for a voucher or refund.

As of writing, Travel Guard doesn't offer any discounts. That's common for travel insurance — you're more likely to find deals when shopping for other types of insurance, such as home and auto insurance .

Travel Guard is a portfolio of travel insurance and travel-related services offered by AIG Travel, a member of American International Group (AIG). AIG also offers life insurance and a variety of business insurance products.

Travel Guard makes it easy to get a travel insurance policy customized to your needs. But before you purchase coverage, it's always a good idea to shop around.

For example, if you're going on a cruise, you might want to look at Nationwide Travel Insurance . The provider advertises cruise-specific insurance with three plan options available. This type of coverage is designed with issues unique to cruises in mind — from ship-based breakdowns to missed pre-pard excursions.

If you're planning a more active trip filled with rock climbing or sky diving, Berkshire Hathaway offers the AdrenalineCare® plan which features coverage for unforeseen costs that result from participating in extreme sports on your trip, as well as reimbursement for sporting equipment delay. Pre-existing conditions are covered under this plan (if you meet qualifying conditions).

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

As you can see, offerings vary by provider. It can be helpful to compare multiple companies and the plans they offer to find what works best for you. It's even better if you gather several quotes to ensure you're getting a good price for your policy.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Travel Guard offers plenty of ways to customize your policy, making it a solid choice for travel insurance. You can also access additional options by giving Travel Guard a call. However, make sure to check out other travel insurance companies too — comparison shopping is essential when picking any type of financial product.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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Allianz Travel Insurance Review: Is it Worth The Cost?

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What does Allianz Travel Insurance cover?

Allianz single trip plans, allianz annual/multi-trip plans, which allianz travel insurance plan is best for me, can you buy allianz travel insurance online, what isn't covered by allianz travel insurance, is allianz travel insurance worth it.

• Annual or single-trip policies are available.
• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Travel Insurance is provided by Allianz Global Assistance, an insurer that operates in 35 countries and serves 40 million customers in the U.S. The company offers several types of travel insurance plans depending on your needs.

Travel insurance will help protect you if unexpected events affect your vacation. Whether you’re looking for a comprehensive plan or emergency medical coverage only to supplement the travel insurance you have from your credit cards , Allianz Global Assistance offers plenty of options.

Allianz trip insurance plans fall into two categories: single trip and annual/multi-trip plans. We evaluated several single trip and annual/multi-trip plans to help you figure out which policy makes sense for you.

Depending on what type of coverage you’re looking for, Allianz offers several different travel insurance options. Allianz’s plan choices fall under single trip or annual/multi-trip plans.

Single trip plans are designed for individuals who are leaving their home, visiting another destination (or destinations) and returning home. These travel insurance plans are the most comprehensive and provide benefits like trip cancellation, trip interruption and medical coverage. 

Annual/multi-trip plans are designed for those who like to take a lot of little trips throughout the year as well as for business travelers. Because the coverage period is longer, these plans are more expensive.

Some of these plans include medical coverage only while others also provide more comprehensive travel insurance perks. There’s coverage for business equipment as these plans are geared toward work travelers.

Allianz offers five travel insurance plans for single trips, including a plan that's mainly focused on emergency medical coverage.

The OneTrip Cancellation Plus plan is geared toward domestic travelers who are looking for trip cancellation, interruption and delay coverage but don't need post-departure benefits like emergency medical or baggage loss. This plan is Allianz’s most affordable option.

OneTrip Basic, Prime and Premier are three comprehensive travel insurance plans.

OneTrip Basic is the most economical plan and offers trip cancellation, interruption and delay benefits along with emergency medical and baggage loss.

OneTrip Prime provides all the benefits of the Basic plan but with higher limits, a few extra coverage areas and complimentary coverage for children 17 and under when traveling with a parent or grandparent.

OneTrip Premier offers the most coverage, doubling almost every post-departure limit of the Prime plan with more covered cancellation reasons.

If you don't need pre-departure trip cancellation and interruption protections or you already have coverage through a premium travel credit card , the standalone OneTrip Emergency Medical plan may be a good choice. The plan mainly provides emergency medical protections along with some baggage loss/delay benefits.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Allianz single-trip plan cost

Here's a look at the cost of an Allianz travel insurance policy for a one-week, $1,500 vacation to Croatia in August 2020 taken by a 30-year-old from Texas.

The OneTrip Premier is the most expensive plan and provides the highest level of protection, especially for emergency medical events.

However, if you’re OK with lower limits on emergency medical, a OneTrip Prime or Basic plan could be a more appropriate choice. These costs represent a range of 3.4%-7.5% of the total cost of the trip, which is in line with typical costs of 4%-8%, according to the U.S. Travel Insurance Association.

» Learn more: How to find the best travel insurance

Allianz offers four different annual/multi-trip plans.

AllTrips Basic is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.

The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.

Allianz annual/multi-trip plans cost

Let's look at an example of an annual Allianz travel insurance plan that starts in July 2020 for a 50-year-old from Illinois.

Coverage under these plans is offered for trips up to 45 days in length.

The AllTrips Executive plan costs significantly more than the other plans; this is mainly due to higher trip cancellation coverage, emergency medical and business equipment protections. The Executive coverage amount for trip cancellation can be increased beyond what is quoted here, driving that plan's price up to as much as $785.

If you’re not concerned with pre-trip cancellation benefits and don’t need the increased level of medical coverage, the Basic plan is the most affordable option.

For trips longer than 45 days, the AllTrips Premier plan might be a better choice as it offers coverage for up to 90 days. Using the same search parameters but with 90 days of coverage per trip, the cost of the annual plan is $475.

Choosing the right plan for your trip involves understanding what type of coverage you will want while you’re abroad.

If you have a premium travel card (e.g., the Chase Sapphire Reserve® ): These cards often offer some trip cancellation and trip interruption coverage, so you may not need a plan that offers all the same coverage. In this case, getting the OneTrip Medical plan might be enough.

If you’re going on a trip and returning home: OneTrip Prime, Basic or Premier are good options to choose from while offering different levels of coverage.

If you’ll be going on multiple and longer trips: the AllTrips Premier plan might be best as it provides insurance benefits for trips up to 90 days in length. The remaining three annual AllTrips plans cover multiple trips, up to 45 days.

If the coverage provided by your card isn’t adequate, you don’t have credit card coverage or you didn’t pay for your trip with that credit card: In these instances, it's best to choose a comprehensive plan depending on how much coverage you need and for how long. Consider one of the single trip or multi-trip plans.

» Learn more: Your guide to Chase Sapphire Reserve travel insurance

Yes, head over to AllianzTravelInsurance.com and choose "Find a Plan" from the menu on the top.

You will be able to view all plans or see plans categorized by single trip, annual/multi-trip and a rental car add-on option. Once you’ve decided on the plan you want, choose the "Get a Quote" option.

You will be required to input the relevant trip details before you can see which plans are available to you in your state.

» Learn more: Is travel insurance worth it?

Travel insurance plans have a lot of exclusions that you need to pay attention to so you know exactly what type of coverage you’re getting. Here are some general exclusions you can expect:

High-risk activities: Skydiving, bungee jumping, heli-skiing, and other types of high-risk sporting activities that the insurer deems unsafe.

Intentional acts: Losses sustained from intoxication, drug use, self-harm and criminal activity.

Specifically designated events: Epidemics, natural disasters and war are specifically mentioned in the policy as exclusions.

It's important to note that exclusions may vary based on the policy and where you live, so it's always best to review the fine print to ensure you’re clear about what is and isn’t covered.

Allianz has been offering insurance for more than 25 years. The company is well established and offers numerous single and annual travel insurance policies to fit many different needs.

Allianz travel insurance plans offer a wide array of benefits including (but not limited to): coronavirus-related coverage, trip cancellation, interruption, emergency medical coverage and transportation, baggage loss/damage, baggage delay, travel delay, change fee coverage, loyalty program redeposit fees, 24-hour assistance and many more benefits. Each plan is different, so you’ll want to look at the specific plans you’re considering to know exactly which benefits you’ll receive.

No, Allianz doesn't offer the Cancel For Any Reason optional upgrade. Review the policy details of the Allianz plan you’re considering to ensure you’re comfortable with the list of covered reasons. For example, the loss of a job can be considered a covered reason, but wanting to cancel a trip because you’re afraid to travel isn't.

Most often, you will need to file a claim with the insurer after you’ve incurred costs. If the claim is approved, you will receive a reimbursement. In other instances (e.g., covered baggage delay), the insurer will pay you a fixed amount per day and you won’t need to submit receipts.

Allianz Global Assistance offers several good travel insurance plans to choose from. If you’re looking for a travel insurance plan for a vacation, a single-trip plan is your best bet. 

If you’re a frequent traveler or take lots of business trips, a multi-trip plan could be the way to go. If you have a travel credit card, look at what travel insurance benefits you may already have so you don’t duplicate your coverage .  

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.