Travel Insured Travel Insurance Reviews

They are not allowing a refund because they say the underlying people who set up the meeting that reimburse for part of those charges however, the contract that I have with PALsays no reimbursements for cancellation. This was very clear and I am getting no reimbursement.

What is really covered was not made clear to me. “Why would most people buy travel insurance!” That’s rhetorical but obviously given the Middle East “war” is what matters.

That’s why I bought it and I bet so did everyone else. Lack of applicable coverage was never mentioned.

I was very surprised (or not) to find almost everything in the trip was excluded. In fact I had a pretty tough time figuring out what would be paid for.

So, anyone, one more example of sales taking precedence over value. No endorsement from me.

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.