Travel Insured International Review

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.

Coverage Options

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 Host’s 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
Military Deployment	Yes	Yes	Yes
Work Related		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
Separation/Divorce
School Related		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	$100,000 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.

Financial Stability

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

Best Alternatives to Travel Insured

Not satisfied with what Travel Insured has to offer? These companies provide great travel insurance alternatives:

Additional Providers

There are several other travel insurance providers that deserve consideration as well which you can see in our Best Travel Insurance Companies article.

These companies didn’t make our list of top providers but we have created some more detailed reviews  that you can view below: