Travel Insured Travel Insurance Reviews

Review Updated: 12/26/2023

We bought trip insurance of course hoping never to use it. However, we unfortunately had to leave a planned international tour part way through due to illness. As soon as it appeared we might have to return to the US, we called the toll free number provided to us by Travel Insured International. I cannot stress how organized and responsive their agents were in the first few days when things were unknown and overwhelming. We were provided information on what to do to make sure we received care and correct documentation, and help with reservations we had hurriedly made in case we needed to return. Daily before departing we were contacted to see if we had questions or needed further medical care, and how to proceed once we got home.
The claim required extensive documentation - advice: read the policy before departing and keep receipts for everything that might be needed for a claim. That being said, the hardest part was getting everything together to email. It took approximately 2 months to finalize claim. The settlement was exactly as we had expected based on our documentation and receipts. We could not be more satisfied with Travel Insured International, and will not travel without their insurance.

I did not know the status of my claim until I received a check in the mail for about 1/3 of the total claim with notes on the statement as to why the remainder was denied. The claims rep called me on the phone on one occasion after which she agreed that her citation to policy requirements which I quoted to her was erroneous. After receiving the check, I emailed the company telling them that I disagree with the amount of the payment and why. I asked them to cite to me provisions in the policy that support their interpretation but they have not responded. For example, as a result of flight delay, I missed my connecting flight and had to rent a car to drive home from the airport. The carrier paid for the rental car but refused to pay for the gas which I had to buy to operate it as they said that they do not pay for gas! The policy nowhere states this.

I am going to file suit in small claims court against this company as I suspect that they rarely pay more than part of a claim on the assumption that the policyholder will not pursue payment.