Travel Insured Travel Insurance Reviews

I had a very poor experience with Travel Insured International, from technical issues on their website to an 70-day delay in claim determination to a narrow interpretation of what constitutes a weather emergency.

In short: Do not purchase the FlexiPax policy if FLASH FLOODS are a risk in your destination; they have conveniently excluded this from their list of qualifying weather events, despite the fact that flash floods are extremely dangerous and warnings cannot be issued in advance (only watches).

I do not recommend this company. Here's why:

1. Delays. On November 13, 2025, I submitted all requested documentation for my claim. A coverage determination was not issued until February 5, 2026. When I initially opened the claim by phone on October 20, 2025, I was advised that I would receive a determination within 15 days. Instead, I received the determination after 85 days.

2. Agent handling: Prior to calling Travel Insured International on October 20, 2025, I attempted multiple times to submit my claim through their online system. Persistent errors and technical bugs prevented this. I submitted a support request through Travel Insured International's website and never received a reply. Ultimately, I had to initiate the claim by phone. On January 8, 2026, the Travel Insured International requested additional documentation, which I promptly provided. However, neither the initial denial letter nor my appeal denial letter references or evaluates the documentation that was specifically requested for this purpose.

My submission included evidence of National Weather Service broadcasts for hazardous flash-flood conditions and a travel warning issued by the Havasupai Tribal authority at my destination. The claim and appeal denial letters did not address this evidence and instead stated only that no evacuation order or recommendation was in place.

3. Claim denial. The denial appears to rely on a narrow interpretation of the policy without addressing whether the documented conditions and local government advisories met the policy criteria. The denial letters do not explain how the documentation requested by Travel Insured International was used in the claim determination.

4. Refusal to provide information: The appeal denial was issued very shortly after my appeal submission, raising concerns about whether a meaningful and independent review of the appeal was conducted. After my appeal was denied, I requested a copy of my claim file to understand how the claim was evaluated. Travel Insured International declined to provide it, stating that they do not release claim files to customers.

Why a 2-star review? I've added a star for the couple of kind people who I interacted with at Travel Insured International during my claims review process.

Very professional and friendly! I haven't received my claim forms yet, but I am confident I will will receive them shortly.

Our trip was cancelled due to the Israel war. Cancelled thru the travel agency but did not get travel insurance money returned. When bought we were ask for amount of hotel and flights. Our flight was not covered because was domestic so we are out flight money as it was no. Refundable. We had insurance on the flight but that company would not return monies as it was not a connecting flight from Boise to Chicago to get our Israel flight. Why ask how much hotel and flight was if it’s not covered?

I’m filing a claim because my Air France flight on April 17 was cancelled. Was a day late getting to Nice. My first night in the Hotel Suisse had been prepaid. I lost the first night. They wouldn’t reimburse me so I was charged for that first night.

Quick and easy to call and speak with a customer service representative for help and information. Thank you for making customer service representatives so accessible!

I made an error when enrolling. When I called, they were friendly, professional and helpful. We did encounter issues and delays during our travel, but our out of pocket costs were below $100 so we will not file a claim. However, it was a comfort to know the policy was available.

All went well though I didn’t need to make a claim.

We haven’t filed the actual claim. It looks like a lot of documentation is necessary and we are exhausted from the travel

Completed my claim documention for Trip Cancellation over one month ago. When I reached out to find its status I was told they were overloaded and the agent was unable to give me any timeline for it's review by the claims adjuster. Pretty poor servie.

I submitted a trip cancellation claim with Travel Insured International after our El Al flight to Israel was canceled on March 2, 2026 and due to the closure of Israeli airspace. This cancellation made it impossible for us to reach our destination and resulted in non-refundable expenses related to the remainder of our trip.

Despite providing documentation showing that the airline canceled the flight prior to any action on our part, the claim was denied on the basis that it was due to war. I have submitted an appeal to clarify the sequence of events and the fact that the trip became impossible due to the airline cancellation and airspace closure.

I would appreciate any guidance or support Squaremouth can provide in reviewing this situation, as the claim appears to have been evaluated based on an interpretation that does not fully reflect the documented timeline.