Travel Insured Travel Insurance Reviews

During Trip
N/A

Claim Process
My claim is still in progress. I don't even know how to process it because it was for a day lost of my vacation. The flight was cancelled from Miami to Barcelona, Spain, and we arrived one full day late. How do you put a price on a lost day?

Before Trip
Email information was very complete

Before Trip
Insurance was reasonably priced and easy to order on line. I did have an opportunity to ask questions by phone before we left on our trip.
Fortunately we did not need to make any clasims on this policy. I felt comfortable thast we were insured during our trip

Before Trip
There is no customer service, just a web site that gives incomplete information. It says "Lost bags greater then some number of hours" = $300 per bag. Well, what it should say is "Lost bags, and if you go and by stuff to replace it and keep your receipt you can get up to $300" Maybe I'm just naive, but the way the web site read is totally misleading

During Trip
Again, my bags were lost and BA doesn't have the sense of urgency I see when bags are lost in the USA. Called the insurance when bags were still not back in 24hours (had bought a hair straightener before calling) - and was then told - you get up to $300 for things you buy when the bags are lost. Non disclosure is what I call that

During Trip
did not need to use but numbers and info provided gave me peace of mind

Before Trip
I really had no customer service since all was done online.

During Trip
NA

Claim Process
NA

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.