Travel Insured Travel Insurance Reviews

Before Trip
Too expensive for what it was

Before Trip
It was easy to buy the insurance, and the basic information seemed clear. But in retrospect, you should carefully read all the fine print in the full description of each item of coverage. This is available only by going to the company's website and clicking on the Description documents (as you can see the full detailed policy only after you buy it).

During Trip
They gave me phone numbers that I could call, because I needed to change my tickets on two different airlines --- but did not really offer anything else.

Claim Process
1. It took TravelInsured 6 weeks to let me know they weren't going to reimburse anything, because my mother (whose death required my interrupting my trip) had a "pre-existing condition" --- defined as "any condition which required medical treatment or treatment was recommended by a legally qualified physician" --- which pretty much defines the majority of people over age 65.
I'd actually paid extra for the "Cancel for any reason policy", because there was a possibility that the conference I was traveling to attend would be canceled; so I hadn't read the fine print in the rest of the policy.
2. I also hadn't realized that any non-prepaid expenses incurred from having to change your airline routing (such as buying another airline ticket and food and hotel costs for 20 hours of layover, that were not part of the original routing) are not reimbursable. This may be true of all travel insurance. I'd purchased insurance for 5 other trips, but had never made a claim before, so do not know.
3. They said they would have waived the "pre-existing condition" if I'd insured all my nonrefundable prepaid expenses. At the time I bought the insurance, I was sure that my conference fee was refundable, as the sponsors had notified us that they might have to cancel, so I hadn't included it in the total. But I'd insured myself for a grand total of $1,078, and the only other prepaid expense that I included in the claim was a $59 air ticket. Because my $399.47 claim included the fee for the unattended portion of the conference ($342.86), they refused to reimburse even the $59 airline ticket that I'd had to throw away. (Had to buy a new one for twice the price.)
Interestingly, the people you speak with before buying the policy are very friendly, but once you've purchased, the experience is fairly unfriendly.
So I will never purchase travel insurance from TravelInsured again, and will read all the fine print I can find, before purchasing the next policy.

Before Trip
Just what we needed for or trip. Customer service was great. All questions answered. The coverage and price was perfect.

During Trip
Did not use during the trip.

Claim Process
No claims.

Before Trip
I did deal with several reps because I added covererage after my initial application. Most reps were helpful. I did speak to one when I realized that I needed to adjust the amounts per person that was rather impatient and acted as if I were really annoying her. Most were fine.

During Trip
I just had to call to ask about the process and was treated fine. I was told not to worry about the cost until we get home and just take care of what we need to do.

Claim Process
I can't rate this yet. We had a death and had to interrupt our trip. I am waiting to get the death certificate before I can file. I would like the opportunity to follow up on this part after the case is closed.

During Trip
N/A. My husband died suddenly; I cancelled our trip.

Claim Process
Now we'll see. I had to wait until I got what refunds I could before I filed the claim. Blame Air Canada for not getting it done after they had okayed theirs.
Of course I called Travel Insured the day I cancelled (April 12). They sent the forms immediately. I didn't find the forms easy.

Claim Process
The reimbursement was for stolen carry-on baggage (fishing rods). My homeowners insurance paid for loss, less $1000 deductible. I claimed the home owners insurance deductible to TII. They paid on the depreciated value less $50 deductible. It was a very fair resolution to the loss. I have used them many times in the past (with no claims) and will continue to use them in the future. A very satisfied customer.

During Trip
No comment since I did not use during trip

Claim Process
I fell and thought I sprang my foot while in Africa. I refuse to see a doctor while in Africa. Upon my return I contacted the insurance to let them know I plan to see my own physician and wanted to know how to file a claim. Insurance told me my coverage ended on the last day of my trip and since I did not contact the insurance company I could not file a claim. It was never bought to my attention that I had to call in an injury. I was very disappointed.

Before Trip
Thankfully, I didn't need to implete any claims for this trip.

During Trip
did not need.

Before Trip
Fortunately we did not have to make any claims as our trip went smoothly. We will be using Squaremouth in the future as I have elderly parents and am never sure when one might become ill.