Travel Insured Travel Insurance Reviews

I have purchased insurance through travel insured international for my last 5 trips. They are easy to get in touch with and helpful. I have made claims for previous trips and was pleased with how easy it was to submit the claims.

My experience with Travel Insured International (TII) was outstanding, from the moment I signed up for a policy to when I received payment for a claim. Every step of the way.

What happened: I was on vacation on a tiny Portuguese island off the coast of Africa when the vision in one of my eyes started failing. Amazingly, I was able to see an eye doctor on that island who knew exactly what to do. I called TII during that stressful time, and they were helpful and informative. When I returned to the US, gathering all the pertinent claim info seemed daunting, and I had a number of conversations with the TII folks. In every single case, they were simply so nice and helpful. Due to my rather limited technical abilities (and the amount of info), I decided to send my claim info by USPS. They never questioned or challenged anything in my claim info and paid my claim very promptly. Granted, this is how it should work, but I've never had to file a trip insurance claim before, and I wondered if I'd ever see a dime.

I should add that I had meticulous records of everything I needed, including a letter from the doctor who treated me.

One small criticism: In my numerous conversations with TII as I started my claim process, people sent me different links that requested slightly different claim info, which also differed a bit from what was shown on the TII site. This bogged me down at first and complicated my progress. But all was well in the end.

I would give my interaction with Travel Insured rep’s responsiveness 5 stars; the policy itself deserves a 1 star, as I was extremely disappointed with it, as it was essentially worthless for my purposes. I should have scrutinized its provisions at a very deep level immediately after purchasing it.
I considered canceling our trip pre-departure because of a named hurricane threatening my destination on the day of our travel. However, my airfare costs weren’t covered as my airline would give a travel credit if we didn’t fly. Second, our accommodations weren’t covered if we cancelled because we used $4000 worth of credit card points, not cash, to pay for them, and the vacation rental company has a no refund policy. Third, the rental car coverage I purchased was worthless because it was secondary to my already robust auto insurance coverage, not primary.
I wasted over $600 in premiums for a policy that was useless for my situation.
The only way I would purchase such a policy in the future is if I purchase a package deal from a provider such as Costco and pay cash for it in advance. Buyer beware!

The claim process was difficult because Travel Insured Customer service was unresponsive and constantly asking for additional material. I would send requested information or an explanation as to why it was not available and receive a message they were sorry for the delays but then I would get no action. After 2 months of this I opened a "zero complaint" case with Squaremouth and I quickly received a check for my delayed trip expense from Travel Insured. I will not use this company again.

It would have been helpful if Travel Insured International had made it easy to know that after the start date of travel the policy can not be extended.

Everything is fine so far.
We filed a Medical claim with them last week and have not heard back regarding progress on that.

The agent was very pleasant and helpful informing me how to file the claim.

We canceled our trip prior to our planned departure. This date was about a week after the “start” of coverage because the insurance was purchased over 1 year prior to a specific tour, and we expected to add pre and post tour elements. Hence, when we filed a claim, our “cancellation “ date was after the policy “start” date and that caused confusion. The Travel Insured Customer Service was outstanding.

It appears that a third party is evaluating my claim. It is not good. I created booked our itinerary that included trans Atlantic flights, 2 flights within Europe, a tour, a few hotels or Air BnBs, and car rentals. The claim I created online identified losses on only 3 elements of our 9 element itinerary. I attached email confirmations and cancellations, and credit card statements of payments. I attached the entire itinerary that showed costs and reimbursements for every element - and it showed loss in the same 3 elements.

My first several contacts with the claim evaluator clearly indicate they did not read the online claim. She asked for supporting material for many itinerary elements where I made NO claim for reimbursement. She must have started by scanning the credit card statements, and deciding that anything that looked like travel was in my claim. She asked about our trans Atlantic flight backup, but we made NO claim for them. She asked about a European flight that was on the credit card statement for another reason but not even an element in our itinerary.

All this happened via email and voicemail. It was hard to talk with her. When I did, she did not listen. Only after I persisted did she recognize we only submitted a claim for 3 specific elements. Subsequently she asked for more backup which is redundant with what I submitted online. My claim is being held up by her request for a British Air ticket invoice despite my submitting credit card statements showing my payment and any reimbursement from British.

She is denying me my rightful $14000 of travel insurance reimbursement.

I appreciated the price and knowing that I would be covered in the event of any emergency.

Everything was as excepted