Travel Insured International is a leading provider of trip insurance. Backed by centuries-old Crum & Forster, Travel Insured’s financial strength is solid.
The company has high ratings from the Better Business Bureau (BBB), Standard & Poor’s, and A.M. Best, as well as industry awards for innovation that benefits customers and travel insurance providers alike.
This Travel Insured International travel insurance review outlines the company’s plans, services, and reputation.
The company was founded in 1994 and is headquartered in Glastonbury, Connecticut. Travel Insured International travel insurance gives travelers access to a host of generous coverage options through its online platform, with plans and upgrades that appeal to virtually every demographic.
Travel Insured provides coverage for trip cancellation, health expenses, medical evacuation, and car rental damage.
Travel Insured International Plans
Offering three primary plans, the company brings remarkable flexibility to the market. Its trip interruption and trip cancellation options, family coverage, and noninsurance travel services make it stand out as a leading trip insurance provider. Currently, the company does not offer annual plans.
Worldwide Protector Lite
The Worldwide Protector Lite is Travel Insured’s most basic coverage package. It provides reimbursement up to the full non-refundable cost of your trip, should you have to cancel or interrupt your trip for a covered reason.
This plan also pays a maximum of $10,000 for medical expenses that arise during your travels. Up to two dependent children under 18 are also covered at no extra cost.
You may purchase optional insurance for rental damage, accidental death and disability, and preexisting medical conditions.
The Protector Lite plan is ideal for travelers who want economic yet generous coverage.
Worldwide Trip Protector
The Worldwide Trip Protector plan is Travel Insured’s midrange and most popular plan. It reimburses 100 percent of the trip cost in the event of cancellation and up to 150 percent of the trip cost if interrupted.
You may cancel or interrupt your trip for any reason and be reimbursed up to 75 percent of your trip costs.
Protector pays up to $50,000 for medical expenses that occur during your trip.
This plan is ideal for large families and cruise travelers; it provides free coverage for an unlimited number of dependent children under 18.
Worldwide Trip Protector Plus
Travel Insured’s premier Worldwide Trip Protector Plus provides the same protection as Protector with more benefits. The plan takes care of flight change fees up to $500.
Accidental death and disability and rental car damage are included and payable regardless of your personal insurance.
Protector Plus is a great choice for travelers who want the most comprehensive coverage available.
Travel Insured International travel insurance provides a vast range of coverage options that appeal to single or group travelers.
|Known Covered Excuses||Worldwide Protector Lite||Worldwide Trip Protector||Worldwide Trip Protector Plus|
|Tour Operator Cancellation||Yes||Yes||Yes|
|Injury/Illness/Death of Traveler||Yes||Yes||Yes|
|Injury/Illness/Death of Non-traveling Family Member|
|Injury/Illness/Death of Business Partner|
|Injury/Illness/Death of Host||Yes||Yes||Yes|
|Injury/Illness/Death of Hosts Family or Friends||Yes||Yes||Yes|
|Natural Disaster at Destination||Yes||Yes||Yes|
|Tour Operator/Airline/Cruise Line Ceases Operation||Yes||Yes||Yes|
|Terrorism/Evacuation at Destination||Yes||Yes||Yes|
|Home or Business Damaged||Yes||Yes||Yes|
|Jury Duty/Court Appearance||Yes||Yes||Yes|
|Victim of Crime Prior to Trip||Yes||Yes||Yes|
|Car Accident Prior to Trip||Yes||Yes||Yes|
|Theft of Passport Prior to Trip||Yes||Yes|
|CFAR Coverage (Cancel for any reason)||Yes|
|Coverage||Worldwide Trip Protector Lite||Worldwide Trip Protector||Worldwide Trip Protector Plus|
|Trip Cancellation||Up to 100 percent of trip cost (does not apply in case of $0 trip cost)||Up to 100 percent of trip cost (does not apply in case of $0 trip cost)||100 percent of trip cost|
|Cancel for Any Reason||--||--||75 percent of nonrefundable trip cost|
|Trip Interruption||Up to the lesser of the trip cost paid or the limit of coverage on confirmation of benefits (does not apply in case of $0 trip cost)||Up to 150 percent trip costs for covered reason||150 percent of trip cost|
|Interrupt for Any Reason||--||--||75 percent of nonrefundable trip cost|
|Accident and Sickness Medical Expenses||$10,000||$100,000 |
Dental sublimit $750
Dental sublimit $750
|Emergency Evacuation, Medically Necessary Repatriation, and Repatriation of Remains||$100,000||$1,000,000||$1,000,000|
|Non-Medical Emergency Evacuation||--||--|
|Accidental Death and Dismemberment (AD&D)||Up to limit purchased||$10,000||$10,000|
|Air Flight Only AD&D (optional)||Up to limit purchased||Coverage up to limit purchased||Up to limit purchased|
|Baggage and Personal Effects||$750||$1,000||$1,000|
|Baggage Delay||(24 hours) $200||(12 hours) Up to $300||(12 hours) $300|
|Change Fee Coverage||$250||$250||$250|
|Travel Delay||(12 hours)|
$300 ($100 per day)
|(six hours) $1,000 ($200/day)||(six hours) $1,000 ($200 per day)|
|Missed Connection||(12 hours) $300||(three hours) $500||(three hours) $500|
|Itinerary Change||Up to $500||$500|
|Reimbursement of Miles or Rewards Points||$250||$250||$250|
|Rental Car Damage (optional)||$35,000||$35,000||$50,000|
How Much Does Travel Insured International Travel Insurance Cost?
Travel Insured International offers three basic coverage tiers, with optional add-ons for an extra fee.
Prices vary based on trip cost, destination, and duration of travel. According to the National Association of Insurance Commissioners, trip insurance typically adds up to between 4 to 8 percent of nonrefundable trip costs.
This means that you can expect to pay about $400 to $800 to cover a $10,000 trip.
The nonrefundable costs of your trip are a significant factor in determining the price of travel insurance. This is the amount that the provider agrees to reimburse if you file a claim.
The higher your documented expenditures, the higher your premium.
Some destinations carry a higher risk of adverse events because of their geographical location or political climate.
Certain areas of the world have living conditions that are not up to par with Western standards—and insurance for travel to these destinations costs more.
The length of your trip plays into the price of trip insurance because the risk of experiencing injury, illness, or travel disruptions increases with the amount of time you spend away.
Consult Travel Insured’s website to obtain a personalized quote.
For a refund, you may cancel coverage under a Travel Insured policy by giving the company written notice within either 14 days from your policy’s effective date or your scheduled departure date, whichever occurs first. As long as no claim has been filed, the company will refund any premium you have paid.
Protector and Protector Plus offer a waiver provision for preexisting medical conditions.
Currently, the company does not cover high-risk adventure or sports activities, with the exception of parasailing.
Customer Reviews & Reputation
Travel Insured has been accredited with the BBB since 2006. The company enjoys an A+, despite a bevy of unfavorable reviews. Many of the criticisms of the company seem to arise from misunderstandings about coverage and failure to produce adequate documentation.
As of January 22, 2019, BBB has logged 54 customer complaints against Travel Insured since 2016. The provider has replied to most of these complaints and reached satisfactory resolutions.
Travel Insured is not listed on TrustPilot, but it has received high marks from other popular review websites.
In 2017, Travel Insured received a TravelAge West Editor’s Pick Award in the Travel Insurance category. In the same year, the company won Travel Weekly’s Silver Magellan Award for an innovative booking tool that facilitates higher levels of customer service and sales.
Customer Assistance Services
Travel Insured provides a seamless customer service experience with innovative technology, including 24/7 phone support, live chat, an intuitive mobile app, and email.
The company also has a wide array of upgrades and noninsurance services available, including:
Insurance is only as good as the provider’s accessibility and its ability to handle claims.
Travel Insured International travel insurance provides 24/7 support, which is a great advantage whether you are traveling a few hundred miles away or to a different time zone on the other side of the world. You can begin filing a claim online through Travel Insured’s website and mail original documentation later.
Travel Insured International offers extensive concierge services for personal and business travelers, including:
Business concierge services cover assistance with communication and emergency correspondence, help in locating rush delivery solutions, internet cafes, or copy/print services, phone and web conferencing arrangements, and emergency travel arrangements.
The financial strength of an insurance company is its most vital asset, indicating the company’s solvency and ability to pay claims.
Credit rating organizations such as Moody’s, Standard & Poor’s, and Finch’s provide an objective rating of the robustness of insurance providers. Each agency maintains its unique rating scales and standards.
Travel Insured’s financial foundation is its underwriter, Crum & Forster, with almost two centuries of history.
Travel Insured has a long-established record of honoring claims over its two decades of service.
Crum & Forster’s rating with Standard & Poor’s is A-, and its rating with A.M. Best is A. This demonstrates Travel Insured’s financial vitality, which is comparable to many of its leading competitors.
Travel Insured International Phone Number & Contact Information
Homepage URL: travelinsured.com
Provider Phone: (800) 243-3174
Headquarters Address: 855 Winding Brook Dr, Glastonbury, CT 06033
Year Founded: 1994
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