WorldTrips Travel Insurance Reviews

I misplaced my policy, which I had purchased long before the trip. I contacted World Trips, through several channels, to ask for a link to the policy. They did not respond to my email and never provided a link or a copy of the policy. I was fortunate to finally access my policy through Squaremouth.

While most things were good. It was not overly clear that the on call team was really just concierge and they could not open any claims or answer any coverage or policy questions. This makes is a little difficult on the weekends when the offices are closed.

WorldTrips has been fantastic to work with. We had to cancel our trip due to two separate jury summons and the customer service crew was great. Easy to submit the claim, and the insurance was well worth it. Thank you WorldTrips!

I filed claim on sep 17 and it’s still pending review.

nothing to add

They provide a multiple choice for division under which the claim will be filed. My claim didn’t fit under the choices, and initially they denied it. I had to appeal and won out in the appeal. However, this seems like shady business that they don’t have proper divisions in the first place, and that they didn’t say, “this isn’t applicable under this division, but your policy does cover this under another division.

I would avoid avoid avoid WorldTrips based on my experience as someone who is never looking to file a claim but has insurance for unavoidable moments (even with my best proactive efforts). WT has made me jump through numerous hoops - and extended or moved the goalposts repeatedly to the extent that I have had to appeal my claim because WT obviously doesn't communicate internally based on information already on file.

In my situation, my 3 p.m.-ish flight was cancelled just as I was getting off my cruise at 9 a.m. (IYKYK, huge crowds, Customs, etc. with phone not readily focused on). When I identified the unexpected cancelled flight with the airlines offering only a flight or flights arriving home 22-24 hours after my original, I called WT customer service for direction - as alternate same-day flights were approaching $300-500 because I was in the World Cup Team USA Game 1 host city. Hotel rates were pushing $400-500/night. So I wanted to know what to do and to ensure I would be compliant with my policy.

The rep was very pleasant and reassuring, reviewed my policy and counseled me that I should go ahead and book a replacement flight because it would be 100% covered based on no remaining same-airline accommodation that day and that's what my travel insurance policy is for. Through another airline having delays, a mid-afternoon flight not only was available but had dropped from $450ish to $285 - so I booked this based on WT customer service rep guidance rather than jumped through hoops for a possible hotel overnight.

After I filed my claim (consulted with WT customer service to ensure I was doing everything right) with copies of all documentation-notifications, WT still wasn't satisfied and required a reason from the airline for the cancellation(even though I had the cancellation time-dated email and could provide the list of accommodation flights would not be until the next day).

Once this requirement was satisfied (WT closed my claim even though I alerted that the airline documentation was forthcoming via DOT complaint), I had to jump through more hoops to reopen the claim with the new documentation. At NO point was there any alert from her regarding the timing of my new flight and old flight - because they were different airlines. Or an alert that I needed to take a replacement flight 22+ hours after the original and instead book a hotel - then submit a claim for hotel and meals cost (in that scenario, getting rid of my bags at a hotel and enjoying the World Cup atmosphere would've been fun).

Then after all that, WT decided to decline my claim - based on my new flight being under 12 hours from my original flight. Even though WT customer service (on recorded line) told me to do so based on no same-airline flights being available for at least 22 hours arrival after my original/cancelled flight). So now I am in the process of an appeal that can take up to 90 days - providing the flight options from original carrier and displaying no same-day flights (in part because I couldn't upload this to original claim - as WT technology system doesn't allow more than 4 documents). I also included a very detailed account chronologically of the above.

Hopefully this is resolved in my favor as I did EVERYTHING that WT instructed me to do (booking a $400 flight is a big hesitation for me as a budget traveler who is financially responsible). In the end, if not resolved in my favor in good faith (for a relatively small amount), this will be a complaint to my state's insurance commissioner (and may be already - as this is excessive effort on behalf of a policyholder).

Apologies on the long review...but my intention is to provide a chronology and details of how excruciatingly difficult it has been to do business with WorldTrips on what should have been a relatively simple and rea$onable claim. As someone who has NEVER ever filed a travel insurance claim, I would NEVER purchase a future WorldTrips policy even if it was significantly cheaper based on this experience. WT literally hopes that you will go away if you have a legitimately insurance issue. So I wanted to alert folks - you decide if it is worth it.

My experience with your Web site is unsatisfied. I was unable to complete the filing of the claim on line as the information entered regarding the amount claimed would not be entered. Numbers were entered, but kept getting error messages. I spoke with your staff, getting various answers as to what to do. First response, my be me; Second well we are having some technical difficulties with that portion Third, might have to escalate to the IT people. why don't you do it the old fashioned way via mail, paper docs etc.

No claim, which is great. So I cannot give a feed back .
But has always been a positive experience purchasing a travel insurance policy through Square mouth! Thank you