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Travel Insured International is a well-established travel insurance provider with over 25 years of experience.
Travel Insured International offers three travel insurance plans.
Though they vary in coverage, they all include protection for trip cancellation, delays, medical evacuations and lost baggage.
You can purchase add-ons to further extend your coverage. These include cancel for any reason (CFAR) coverage, rental car damage coverage, event ticket registration fee protection and coverage for work-related cancellations.
To compare multiple plans and find the one that best suits your needs, we recommend using our online comparison tool.
SUMMARY
With over 25 years in the industry and an impressive A+ rating from the Better Business Bureau, Travel Insured International stands out as a reliable choice for a travel insurance provider.
The company caters to various travel needs by offering flexible plans and comprehensive coverage options.
In this guide, we’ll explore Travel Insured International’s insurance plans and customer experiences to help you determine if it’s the right fit for your travel insurance needs.
Pros & Cons
Pros
Annual and single-trip policies are available
High non-medical evacuation coverage
Travel and baggage delay coverage after only 3-hour delays
Travel inconvenience upgrades available
Cons
Basic plan offers only medical coverage for seniors
Yes, Travel Insured International is a completely legit and great travel insurance provider. It’s a veteran of the industry with over 25 years of experience insuring travelers on trips around the world.
The Better Business Bureau awarded Travel Insured International an A+ rating and accreditation as a sign of its longtime history of industry savvy and attentive customer service. Plus, it’s backed by Crum & Forster, an insurance company in operation since 1822.
For an in-depth look at the benefits of Travel Insured International’s travel insurance, take a look at the highlights below.
Bottom line: Main highlights of Travel Insured International travel insurance
One of Travel Insured International’s main benefits is its flexibility.
The provider offers a wide range of plans for travelers to choose from. Some plans even offer free coverage for children, making this a great option for families.
Travel Insured International plans offer primary coverage with high medical and medical evacuation limits, thus casting a wide net of protection should an incident occur and giving you greater peace of mind in light of unexpected events.
Travel Insured International travel insurance plans & coverage
Travel Insured International offers three single-trip insurance policies through our comparison tool.
These plans vary in specific coverage, though they all offer compensation for trip cancellation, delays, medical evacuations and lost baggage.
This plan comes with numerous benefits, including 100% trip cancellation, 150% trip interruption, $100,000 for medical expenses, emergency medical evacuation coverage and missed connection protection. It’s a good plan for well-rounded coverage that includes many common travel mishaps.
This policy also offers 100% trip cancellation coverage, 150% trip interruption and $100,000 for medical expenses. Other benefits are cancel for any reason and interrupt for any reason coverage (CFAR and IFAR, respectively), meaning you can be reimbursed if your trip is cut short or called off. Also included is rental car damage protection, which can be added to the other two plans for an additional fee. Though more expensive, this option is good for those who want an extra layer of protection.
Included in this plan is 100% trip cancellation, 100% trip interruption, $10,000 for medical expenses, $100,000 for medical evacuation and $750 for baggage protection. Some benefits, like those for medical expenses and evacuation, can be increased with an optional upgrade. Though it has fewer benefits than the previous two plans, this budget-friendly policy is customizable for those who want more control over their coverage.
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Here is a brief look at how each plan differs:
Coverage type
Worldwide Trip Protector Plus
Worldwide Trip Protector
Worldwide Trip Protector Edge
Emergency medical expenses
$100,000
$100,000
$10,000
Emergency medical evacuation
$1,000,000
$1,000,000
$100,000
Non-medical emergency evacuation
N/A
$150,000
N/A
Trip Cancellation
100% of trip cost
100% of trip cost
100% of trip cost
Trip Interruption
150% of trip cost
150% of trip cost
150% of trip cost
Trip delay
$1,000 per person after 6 hour delay
$1,500 per person after 3 hour delay
$300 per person after 12 hour delay
Missed connection
$500
$500
$300
Baggage delay
$300
$500
$200
Lost/stolen/damaged personal items
$1,000
$1,000
$750
Sports equipment loss
YES
NO
NO
Travel Insured International also offers one annual multi-trip travel insurance policy, the Annual Multi-Trip Protector. This policy includes coverage for medical expenses and evacuation as well as typical post-departure benefits like trip interruption and loss of personal belongings. Unlike single-trip coverage, this policy has an extended term and protects any trip you take during that window.
Optional add-ons
For greater protection during your trip, Travel Insured International offers several add-on benefits. These aren’t typically included in standard insurance policies but will extend coverage even further for an additional fee. Here are four upgrades you can add to your plan:
Cancel for any reason (CFAR)
Even with extensive planning, sometimes a trip must be unexpectedly canceled. To protect against surprise cancellations, consider adding cancel for any reason coverage to your travel insurance plan. With this benefit, you’re eligible for reimbursement of nonrefundable trip costs that aren’t otherwise covered by your policy.
Rental car damage coverage
This optional add-on keeps you protected in the event your rental car is damaged or stolen. Covered damage includes collisions, vandalism, natural disasters and any other situation beyond your control that occurs while the car is in your possession. If you plan to rent a car during your trip, this add-on might be a worthy addition to your insurance policy. At Travel Insured International, the maximum benefit amount for rental car coverage ranges from $25,000 to $50,000.
Event ticket registration fee protection
If a ticketed event is part of your trip itinerary, you might consider adding registration fee protection to your travel insurance plan. This optional coverage can be tacked on to any Worldwide Trip Protector policy and will reimburse you for the cost of unused event tickets or registration fees. To be eligible, your tickets must be listed as nonrefundable by their distributor, and your reason for not attending the event must be on the list of covered unforeseen circumstances. If this is the case, you may receive up to $1,000 worth of reimbursements.
Cancel for work reasons
Unexpected work obligations can put a hold on your travel plans, potentially leaving you at a financial loss. If you think work might pull you away from your trip, extra coverage for work-related cancellations may be a useful addition to your plan. With this add-on, the full cost of your trip can be reimbursed, assuming your situation falls under the list of covered scenarios, which includes being required to work on the trip. For this coverage, the maximum benefit amount is 75% of the total trip cost.
Things not covered by Travel Insured International travel insurance
Like any travel insurance policy, some benefits aren’t included in Travel Insured International’s plans.
Depending on the policy you choose, things that aren’t covered include:
Loss of audio or visual aids, like eyeglasses, contacts or hearing aids
Injuries caused by self-harm
Losses incurred while you were under the influence of drugs or alcohol
Injuries caused by participation in extreme activities (think skydiving)
Routine check-ups or dental exams
Mental health emergencies, unless they require hospitalization
Cost of Travel Insured International travel insurance plans
According to our sales data, visitors who purchased a Travel Insured International plan through our website spend an average of $102 for travel insurance for a two-week trip. This equates to an average cost of $8.58 per day for travel insurance.
To give you a better idea of how much plans from Travel Insured International cost, we got multiple quotes for each plan to five different countries and found the average cost for each.
Average Cost of Travel Insured International Plans
While these serve as an estimate, keep in mind that these numbers are for example purposes only, and your own costs will vary based on the specific parameters of your trip. We recommend getting a quote for updated pricing.
Methodology for reaching these averages:
We applied the following parameters to each quote:
Since your state of residence determines which plans are available, we got quotes in California for the Worldwide Trip Protector plan and the Worldwide Trip Protector Edge. For the Worldwide Trip Protector Plus plan, our quotes were based on a resident of New York.
Travel Insured International travel insurance reviews from customers
Taking a trip insured by Travel Insurance International gives customers a unique perspective of the company’s effectiveness. If you’re considering a plan from this provider, customer reviews can help you make a more informed decision.
On Squaremouth, Travel Insured International has more than 3,300 reviews with an overall rating of 4.39 out of five.
Here’s what customers like and dislike about Travel Insured International.
What customers like
Customers have plenty of good things to say about Travel Insured International. Some commonly mentioned positives are:
Flexibility
Comprehensive policies
Knowledgeable staff
“Very knowledgeable staff when you call. Have used before and will use again. Very flexible options from medical only to full trip cancelation coverage.”- Howard
“The settlement was exactly as we had expected based on our documentation and receipts.”- Kathleen
What customers don’t like
Some customers had less-than-stellar experiences. Some frequently mentioned areas for improvement include:
Hard-to-reach customer service
Tedious claims process
Miscommunication
“Horrible customer service. Took days for a reply to email. Never was able to get it resolved before I left.”- Kathryn
“Our trip was interrupted due to COVID. I expected some help from their “concierge” line, but after waiting 50 minutes on hold I received nothing except “file a claim once you’re home.” Literally zero help arranging alternate transportation or hotel.”- Joseph
Is Travel Insured International travel insurance worth it?
Overall, Travel Insured International is undoubtedly a high-quality travel insurance provider.
With a thorough range of benefits and an extensive list of optional add-ons, it’s clear why the company is a top-rated insurance provider among travelers. Its three policies each cover a standard selection of vacation mishaps, including trip cancellation and interruption, medical expenses and lost baggage.
If you’re looking for an excellent range of coverage with customizable add-ons and family-friendly prices, Travel Insured International may be the right provider for your next trip. If you’re looking for higher maximum limits and easier claims processes, however, you might be better off looking elsewhere for your travel insurance.
FAQ: Travel Insured International travel insurance
What is covered under Travel Insured International insurance?
The policies offered by Travel Insured International vary in coverage. Depending on your chosen plan, you can expect insurance benefits designed to protect your health, finances and personal belongings.
Covered items include:
Trip cancellation and interruption
Missed connections
Rewards points reimbursement
Nonmedical evacuation
Accident and sickness expenses
Lost or stolen baggage
Baggage delay
Does Travel Insured International travel insurance cover COVID-19?
Yes, COVID-19 is included in Travel Insured International’s coverage. This insurance provider treats COVID-19 as it would any other sickness, meaning you’re covered for a range of losses that it might lead to. This includes things like trip interruption or cancellation, medical evacuation and medical expenses. For some plans, medical insurance terms require the COVID-19 diagnosis to be confirmed by a physician rather than relying on the results of an at-home test.
The same guidelines that dictate whether an illness counts as a pre-existing condition apply to cases of COVID-19. If your chosen plan includes a pre-existing medical condition exclusion waiver, any losses that occur are likely to be covered.
Does Travel Insured International offer ‘cancel for any reason’ coverage?
Cancel for any reason coverage, or CFAR, is available as an optional add-on to most plans at Travel Insured International. Under this coverage, you’re eligible for reimbursement of any unused, nonrefundable payments or deposits you made when planning your trip. If your trip is canceled for reasons not otherwise covered in the plan, you can recover a portion of the trip cost up to the set maximum benefit amount.
CFAR applies only when it’s added to your plan during a specified time period and the trip is canceled no later than 48 hours before your scheduled departure. It’s important to note that this doesn’t cover travel arrangements paid for but not provided by a third-party travel agency.
Does Travel Insured International have international travel insurance?
Yes, Travel Insured International offers travel insurance for international trips. This means your coverage will remain in effect when you’re outside your home country, so any sickness or accidents you incur abroad are likely eligible for coverage. Some benefits, like emergency medical evacuation, are included specifically for international travelers.
Hayley Harrison is an active personal finance contributor for LA Times Compare. She is passionate about helping consumers make informed financial decisions and achieve their financial goals by simplifying complex topics relating to insurance and personal finance.
Hayley brings first-hand knowledge of the finance industry thanks to her previous experience as a branch manager for a mid-sized regional bank and as a licensed accident and health insurance agent.
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