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Travel Insured International Review: Is it Worth The Cost?

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What does Travel Insured International cover?

Travel insured international single trip plan costs, can you buy travel insured international online, what’s isn't covered by travel insured international, is a travel insured international policy worth it.

Travel Insured International

Annual or single-trip policies are available.
Higher-level plan include optional add-ons for event tickets and for electronic equipment
Rental car protection add-on for just $8 per day, even on lower-level plan.
Many of the customizations are only available on the higher-tier plan.
Coverage cost comes in above average in our latest analysis.

When thinking about your next vacation, giving some thought to travel insurance can make a lot of sense. It can protect you in case something goes wrong, not to mention give you peace of mind. One travel insurance provider to consider is Travel Insured International, a company with over 25 years in this space. In 2015, it was acquired by Crum & Forster, a 200-year-old specialty and standard insurance provider.

Here’s what you need to know about Travel Insured International.

» Learn more: See why Travel Insured International is one of the best options out there

Travel Insured International offers four plans to choose from: Worldwide Trip Protector Plus, Worldwide Trip Protector, Worldwide Trip Protector Lite and Travel Medical Protector.

The plans include trip cancellation, trip interruption/delay, medical protection, baggage protection, rental car coverage and cancel-for-any-reason coverage.

Travel Insured International also allows you to upgrade certain elements of your policy through add-ons including: cancel for work reason, flight accident, medical, rental car damage, primary coverage and travel benefits.

» Learn more: Everything you need to know before buying travel insurance

To see how the policies shake out, we input a $3,000, three-week trip to Mexico by a 45-year-old resident of Alaska:

The Worldwide Trip Protector Plus plan ($216) and the Worldwide Trip Protector plan ($144) are nearly identical in the benefits offered, with both providing 100% trip cancellation , 150% trip interruption , $1,000 travel delay, $1 million in medical evacuation, $100,000 for medical expenses and many other benefits.

The primary difference between the two plans is that the more expensive option includes CFAR coverage and interrupt-for-any-reason coverage.

CFAR allows you to cancel a trip for nearly any reason and receive up to 75% of your nonrefundable deposit back (so long as you cancel within 48 hours before departure and you add all of your travel arrangements to your trip within 21 days of payment). This is a great option for those who have nonrefundable reservations and want the flexibility to cancel a trip on the fly.

IFAR allows you to interrupt your trip for any reason as long as it is 72 hours or more after you’ve departed. If you use this benefit, you will receive a refund of up to 75% of your nonrefundable and unused land or water travel arrangements. This could be useful coverage if you decide to cut your trip short and the reason for interruption is not considered a covered reason as per the policy.

If you value these two benefits, you’d want to go with the more expensive Worldwide Trip Protector Plus plan.

» Learn more: Cancel For Any Reason (CFAR) travel insurance explained

The Worldwide Trip Protector Lite plan ($109) offers 100% trip cancellation coverage, 100% trip interruption, $300 travel delay, $100,000 medical evacuation and repatriation and $10,000 for medical expenses and other benefits.

The limits offered by this plan are lower; however, if you’re only looking for trip cancellation benefits and the medical coverage is sufficient for you, this policy could make sense.

The Travel Medical Protector plan ($73.50) focuses mostly on providing benefits surrounding medical care, with $1 million for medical evacuation and repatriation, $50,000 for medical expenses, $150,000 for non-medical evacuation and $5,000 for trip interruption.

This policy could be a good choice for someone who doesn't need trip cancellation benefits. Additionally, if you have a premium travel card that offers trip cancellation insurance (like the Chase Sapphire Reserve® or The Platinum Card® from American Express ) and the limits are sufficient, a standalone medical plan might be enough to provide adequate coverage for your trip.

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

Additional options and add-ons

These add-ons are a great way to improve limits on specific items of coverage. For example, for $35 per person, the Worldwide Trip Protector Plus plan and the Worldwide Trip Protector plan let you double your trip delay, missed connection, baggage delay and baggage and personal effects limits.

For $24 per person, the Worldwide Trip Protector Lite plan allows you to add a cancel-for-work-reason benefit. Cancel for work reason would permit you to cancel a trip if it's related to work. The reason will need to satisfy the conditions of the policy, but if this is a benefit you’d like to have, it's good to know it's available.

To see which policies are available in your state, head over to the Travel Insured International website . You will need to input your destination, your residence, your trip dates and the number of travelers. Then click “Get a Quote.”

c&f travel insured international reviews

Once you select “View Quote,” you will see a list of plans to choose from based on your state of residence and trip details.

Though all of the above plans offer varying levels of coverage, not everything will be covered, including:

Being scared to travel. Unless you have the CFAR add-on, you can only cancel your trip for a covered reason under the policy. Being nervous about your travels is not a covered reason, so if you’d like ultimate flexibility, you’d want to choose the Worldwide Trip Protector Plus plan.

Baggage loss for eyeglasses, contact lenses, hearing aids or orthodontic devices. Keep these items with you in a carry-on or backpack because a Travel Insured International policy won’t cover them.

Certain events. General exclusions not usually covered by insurers won't be covered here either. Example events include self-harm, war, participating in dangerous activities (e.g., skydiving), committing a felony or getting into an accident while intoxicated. You’ll need to review the policy's fine print to know exactly what is and isn’t covered.

Travel Insured International has been offering insurance for over 25 years. They're owned by Crum & Forster, a stand insurance provider that has been in business for 200 years. Travel Insured International is well established and offers four plans to fit many different needs.

Plan benefits offered by Travel Insured International include trip cancellation or interruption, mileage or rewards reimbursement, Cancel For Any Reason (CFAR) or Interrupt For Any Reason, travel delay, missed connection, change fee coverage, itinerary change, accident & sickness medical expense, baggage delay, rental car damage and more. Each plan is different and has the option for add-ons.

Yes, the Worldwide Trip Protector Plus plan covers Cancel For Any Reason (CFAR). You receive up to 75% of your nonrefundable deposit back as long as you cancel within 48 hours before departure and you add all of your travel arrangements to your trip within 21 days of payment.

Most often, you will need to file a claim after you’ve incurred costs. Travel Insured International strongly recommends filing online. You can then check the status of your claim in your portal. If your claim is approved, you will receive a reimbursement. In some instances, the insurer pays a fixed fee for any claims.

The cost of travel insurance through Travel Insured International will vary depending on a variety of factors. This can include:

Your trip length.

What state you live in.

Where you’re going.

What type of activities you’re engaging in.

How old you are.

The coverage levels that you select.

Yes. Travel Insured International can provide you with either a single-trip policy or an annual insurance plan for international or domestic travel. You also have the option to add on customized per-trip benefits to your selected policy.

Travel insurance can provide peace of mind while you’re on vacation, especially if you’re worried about changes, cancellations or other mishaps occurring. However, before you go in on a policy, you’ll want to double check if you already have coverage through your credit card .

You can also find travel insurance from multiple providers by getting a quote from insurance aggregators like Squaremouth or InsureMyTrip. This will allow you to compare different coverage levels and pricing from a variety of companies.

cost of travel insurance

through Travel Insured International will vary depending on a variety of factors. This can include:

coverage through your credit card

If you’re heading on a major international vacation and you don’t have a premium travel credit card with sufficient limits, considering a Travel Insured International insurance policy could be a good bet.

The CFAR and IFAR options are solid benefits for those who want ultimate flexibility — especially since you can add coverages like these a la carte. If you’re looking for fewer benefits with lower limits, the Worldwide Trip Protector Lite plan is a good choice. Those seeking medical coverage can consider the Travel Medical Protector plan.

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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

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.

Best overall
Best for exotic trips
Best for trip interruption
Best for family coverage
Best for long trips

How we reviewed international travel insurance companies

Best international travel insurance for may 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.

If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Our top picks for the best international travel insurance

Best overall: Allianz Travel Insurance
Best for exotic travel: World Nomads Travel Insurance
Best for trip interruption coverage: C&F Travel Insured
Best for families: Travelex Travel Insurance
Best for long-term travel: Seven Corners Travel Insurance

How we rate the best international travel insurance »

Compare the top international travel insurance

As a general rule, the most important coverage to have in a foreign country is travel medical insurance , as most US health insurance policies don't cover you while you're abroad. Without travel medical coverage, a medical emergency in a foreign country can cost you. You'll want trip cancellation and interruption coverage if your trip is particularly expensive. And if you're traveling for an extended period of time, you'll want to ensure that your policy is extendable.

Here are our picks for the best travel insurance companies for international travel.

Best overall: Allianz

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
Single and multi-trip plans available
Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
Preexisting medical condition coverage available with some plans

Allianz Travel Insurance offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs.

The icing on the cake is Allyz TravelSmart, Allainz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz Travel Insurance review here.

Best for exotic trips: World Nomads

World Nomads World Nomads Travel Insurance

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
Coverage for 150+ activities and sports
2 plans: Standard and Explorer
Trip protection for up to $10,000
Emergency medical insurance of up to $100,000
Emergency evacuation coverage for up to $500,000
Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage.

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away.

Read our World Nomads Travel Insurance review here.

Best for trip interruption: C&F Travel Insured

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 Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely.

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our C&F Travel Insured review here.

Best for family coverage: Travelex

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

Optional CFAR insurance available with the Travel Select plan
Trip delay insurance starting at $500 with the Travel Basic plan
Emergency medical and dental coverage starting at $15,000

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses.

Read our Travelex Travel Insurance review here.

Best for long trips: Seven Corners

Seven Corners Seven Corners Travel Insurance

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
Trip cancellation insurance of up to 100% of the trip cost
Trip interruption insurance of up to 150% of the trip cost
Cancel for any reason (CFAR) insurance available

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million.

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication.

Read our Seven Corners Travel Insurance review here.

How to find the right international travel insurance company

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip.

Determine your needs

Consider the nature of your travel (leisure, business, or adventure) and the associated risks (medical emergencies, trip cancellations, etc.).
Determine your budget and the amount of coverage you require.
Consider the duration of your trip and the countries you'll be visiting, as some policies won't cover specific destinations.

Research the reputation of the company

Look for the company's reviews and ratings from reputable sources like consumer advocacy groups and independent website reviews.
Check the provider's financial stability and credit ratings to ensure it can pay out claims reliably.
Investigate the company's claims process to ensure it can provide timely support if you need to file a claim.

Compare prices

Get quotes from multiple providers to compare rates and coverage options.
See if the company provides discounts or special offers to lower your cost.
Look at the deductible or any out-of-pocket expenses you may have to pay if you file a claim to determine if you can afford it.

Understanding international travel insurance coverage options

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply.

Finding the best price for international travel insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including:

Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages.
Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available.
Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently.
Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness.

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies.

International travel insurance FAQs

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard.

You should pay attention to any limitations regarding covered cancellations, pre-existing conditions, and adventure activities. For example, if you're worried you may have to cancel a trip for work reasons, ensure that you've worked at your company long enough to qualify for cancellation coverage, as that is a condition with some insurers. You should also see if your destination has any travel advisories, as that can affect your policy.

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

You should purchase travel insurance as soon as possible after making payment on your trip. This makes you eligible for add-ons like coverage for pre-existing conditions and CFAR. It also mitigates the chance of any losses in the days leading up to your trip.

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Travel Insured International Review

Travel Insured International Travel Insurance Review

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Travel Insured International Travel Insurance

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.

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

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Ground Transportation Recommendations
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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 2073
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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Seven Corners
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Trawick International
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Travel Insured International Travel Insurance Coverage Review – Is It Worth It?

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

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.

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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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The Best Travel Insurance Options for Seniors [Ages 65, 70, and Over 80]

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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

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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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

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Photo of Travel Insured International - Glastonbury, CT, US.

Review Highlights

“ We have always used another insurance company, but on this last trip we were going on our babymoon. ” in 3 reviews

“ However my husband had a horrific injury as we were leaving for a trip and travel insured was great! ” in 3 reviews

“ The claims process was very streamlined and straight forward , communication was good and the claim was settled within a couple of days with almost immediate payment. ” in 2 reviews

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About the Business

Vacationing is about getting away from the stresses of daily life and enjoying your time away from home. Still, accidents happen, and when they do, you'll want to be prepared. Travel Insured International, located in Glastonbury, CT, provides customers with coverage, so no matter what circumstances pop up while they're away, they'll have peace of mind that they're protected. For over 20 years, this insurance agency has kept customers covered in case of unexpected events, like an emergency evacuation off of a cruise ship or trip cancellation. Also, if your baggage is delayed or lost, you can at least rest easy knowing you will be compensated despite the inconvenience. They provide protection for extreme events or situations as well, such as default and bankruptcy or accidental death and dismemberment. Owner Peter Gehris founded the company with exceptional service at the forefront of everything he provides. He believes in understanding the customer's needs and is committed to providing friendly and reliable service. His experienced team will work with individuals who file a claim, offering clear and precise, step-by-step instruction for every stage of the process. For your convenience, they also offer the option to fill out a claim online. For an insurance agency committed to keeping you covered while on the go, contact the professionals at Travel Insured International today by calling (800) 243-3174... …

Location & Hours

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855 Winding Brook Dr

Glastonbury, CT 06033

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Overall rating

151 reviews

Had to file a claim for a straightforward issue. Submitted all documents in August and just received the payment in January after numerous emails and phone calls. I spent many hours dealing with them and it was never clear to me why they took so long. They did not respond to emails and their portal is difficult to use. The would request more documents without explaining what was missing. There was nothing missing, they just didn't look at the documents. It seems they avoid paying claims unless you contact them frequently. So frustrating, will not use this company again.

Sept '23 my gf Sarah and I booked a trip to Israel for Nov '23 thru SITA World Tours (and of course paid for #travelinsurance thru your company Plan number 230830RTL0647). Due to the #israelattack 10/7 we were forced to cancel. Sita offered us a credit to use within a year to which we denied, after all we had insurance and this is a terrorist attack. Here we are now 4 months later and we were REFUSED our 8k refund??? Do you have any ethics at all? I expressed i am in fear as a Jewish woman... would you have preferred for me to go? Are you racist? It raises a valid question since this is preposterous, when your insurance even highlights "terror attacks" as a reason to insure travelers thru you... NEVER EVER EVER and I mean EVERRRRRRR, trust Travel Insured International to protect your money. #sita #sitaworldtours #travelinsuredinternational I will continue to scream this thru the rooftops after i file a complaint with the Insurance Commissioner #RicardoLara

Overpriced for what you actually get - double speak, denied claims, ambiguous plan language, slow response time, and unhelpful staff. I'll never buy travel insurance from them again and maybe even perhaps anyone if they are any indication of the industry. We lost our baggage in Scotland and had a trip interruption on one leg of our return trip. All the documents were submitted and it took them 7 months for them to issue a $25 check when our claim was for over $500.

We paid $2800 for travel insurance for our 3 week Safari to South Africa. Upon arrival to Johannesburg we found that our luggage had never left California. After 3 days (and 5 days of wearing the same clothes) our bags showed up. We did not go out and buy new clothes or generate a stack of receipts. We just washed our underwear in the sink and soldiered on. On return, I contacted Travel Insured International and asked to be paid the $200/per person per day for our inconveniences. I was informed that the travel insurance is a "Reimbursement Policy" and since I had not run up a bill there would be no payment. Live and learn. If our luggage gets delayed or lost again, my wife can go wild with the Visa card and I'll keep the receipts.

This horrific company should allow customers to give a 0 rating. I will not go into details. Let's just say in all my years of traveling I have NEVER encountered such lack of follow through. They keep asking for the same documents over & over again. A good tactic to delay any $ owed to you. Assuming you ever get it. The so called "analyst" pretends to make you believe "check is in the mail" or "your claim is a priority." They lie, deceit and keep your hard earned $. DO NOT DO NOT use C&F Travel Insured International except if you want to get aggravated and frustrated. My travel agent unfortunately choose this company (which I had never used before). We are out over $4k. Time to get a lawyer.

Beware of Travel Insured International . I am writing to express my disappointment with the service provided by Travel Insured Insurance. As a frequent traveler, I have always believed in the importance of having reliable travel insurance to protect myself during my trips. Unfortunately, my recent experience with Travel Insured Insurance has left me extremely dissatisfied. Firstly, the process of purchasing the insurance was not as straightforward as I had expected. The website was confusing and difficult to navigate, making it hard to find the information I needed. Additionally, the lack of transparency regarding the coverage and limitations of the policy left me feeling uncertain about what I was actually signing up for. Furthermore, when I needed to file a claim due to a medical emergency during my trip, I encountered numerous difficulties. The claims process was overly complicated, with excessive paperwork and documentation required. It felt as though Travel Insured Insurance was actively trying to discourage customers from making claims. To make matters worse, the customer service support I received throughout this ordeal was subpar. The representatives I spoke to were unhelpful and lacked the knowledge necessary to assist me effectively. I was left feeling frustrated and abandoned during a time when I needed support the most. Overall, my experience with Travel Insured Insurance has been nothing short of disappointing. The lack of transparency, complicated claims process, and poor customer service have all contributed to my negative perception of the company. As a result, I will be seeking alternative travel insurance providers in the future.

Avoid this scam company - look online at how many people slam them in reviews for filing claims. This company is mickey mouse. they do everything they can to NOT pay out legit claims. Our school district will no longer be using them to insure kids school trips due to poor feedback on them.

In June 2023, I purchased a policy for my upcoming trip to Israel in October. It was canceled due to terrorism on October 7 and Travel Insured even sent me an email stating this on October 8. I filed my claim because the tour was canceled and I was denied, the claim that there was a loophole in my policy and that it was the tour companies responsibility to pay me. The tour company contacted them the next day and gave additional information. I then received a denial in an appeal letter. I've contacted the travel agent who sold me the policy and she has spoken with a company rep along with the tour company , I do not have any confidence that Travel and short will honor the policy. I don't recommend anybody using this company. Unfortunately, I may have to take them to small claims court in order to get some type of resolution I'd like to give them a chance to honor the policy and do what is right but I don't have much confidence in this company .

I purchased a policy for a trip to Europe which included a car rental in Iceland. The car was damaged when a large gust of wind grabbed hold of the doors as we were exiting the vehicle. I filed a claim as soon as we returned home, using Travel Insured's easy to navigate website. I received a call from one of their agents the next morning telling me my claim had been approved. The day after that, the money was in my checking account. I would definitely use them again in the future.

My wife's cell phone was pickpocketed on a recent vacation. TII processed and approved our claim in a mere three weeks. We are totally pleased and will purchase insurance from them for furure trips. Could not speak more highly of TII.

55 other reviews that are not currently recommended

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oliaur. 9/16/2021. This is a scum, never buy Travel Insured International Travel Insurance, you will not get refund for your trip, you will waist your money and time trying to file a claim which they will not pay anyway, there are about 400 complaints on BBB website filed recently against this company.
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Travel Insured International

Worldwide Trip Protector:

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Cancel for any reason (CFAR)

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What is covered under Travel Insured International insurance?

Does Travel Insured International travel insurance cover COVID-19?

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

Does Travel Insured International have international travel insurance?