Travel Insured International Insurance Review & Complaints: Travel Insurance

Travel Insured International offers a range of travel insurance packages and add-ons. Travel Insured offers three levels of their Worldwide Trip Protector package travel plans, as well as an international-only plan focused mainly on medical.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Written by Eric Stauffer
Founder & Former Insurance Agent Eric Stauffer

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Mar 15, 2022

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Travel Insured International

Financial Strength

Homegrown travel insurance company Travel Insured has been in business for nearly 25 years and offers a range of travel insurance packages and add-ons. The company works with affiliates to provide insurance and travel assistance services.

What is Travel Insured?

Travel Insured was founded in 1994 by a longtime insurance industry veteran named Peter Gehris. The company’s headquarters is located in Glastonbury, Connecticut, and they serve customers across the country as well as in Canada. Although touted as a family-owned business for most of its existence, Travel Insurance was acquired by Crum & Forster, a Fairfax Financial Holdings company, in 2015.

The Insurance portions of the travel plans are underwritten by United States Fire Insurance Company, which is a Crum & Forster company. Non-insurance benefits, such as travel assistance, are administered by an unnamed affiliate. It’s common for travel insurance companies to use larger insurers to provide underwriting for their products; less common is to have a third party handle other plan benefits.

Travel Insured plans are sold online through a website as well as through travel services.

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What travel products are offered?

Travel Insured offers three levels of their Worldwide Trip Protector package travel insurance plans, as well as an international-only plan focused mainly on medical.

Worldwide Trip Protector Lite

This is the base-level budget plan, which offers 100% of trip cost coverage for both cancellation and interruption, as well as basic trip delay, missed connection, and baggage coverage option.

This plan has $10,000 in medical coverage, which is secondary – meaning it covers excess not paid by major medical. It also includes $100,000 in medical evacuation coverage. Medical coverage does not apply to pre-existing conditions.

There are a number of add-ons available for this plan, including cancelling for work reasons, air flight accidental death & dismemberment (AD&D), rental car coverage, and the option to double both the medical and evacuation coverage. Children can be added to this plan at a reduced rate.

Worldwide Trip Protector

The mid-range plan increases trip interruptions to 150% and increases most other trip benefits as well.

The medical coverage for travelers on this plan is considerably higher, jumping to $100,000. This coverage is again secondary, but there is an option to upgrade this coverage to a primary position. Pre-existing conditions are covered within the guidelines. Medical evacuation coverage has increased to $1,000,000. $10,000 in AD&D coverage is included.

This plan also has the option to add on several options, including air flight AD&D and rental car coverage. Other optional coverage increases include higher limits for trip delay, missed connection, and baggage. Children can be added to this plan at no extra charge.

Worldwide Trip Protector Plus

The Worldwide Trip Protector Plus is the high-end plan from Travel Insured and includes Cancel for Any Reason coverage at 75% of trip cost. Trip cancellation for other reasons remains at 100%, and interruption at 150% of trip cost. Standards on this comprehensive policy are pre-existing conditions coverage and rental car coverage.

Coverage limits are the same as the mid-level plan, with the option to increase coverage at an additional cost. One notable difference is that the medical coverage on this plan is automatically primary. Since most other options are already a part of the package, the main add-on is Air Flight AD&D. Limits for other benefits can be increased as another option.

Travel Medical Protector

This international-only plan is focused on medical coverage but does also include some trip protection. There is $5,000 in trip interruption coverage and coverage for trip delays and baggage.

The plan includes $50,000 at the base level, but it can be increased up to a total of $1,000,000. Emergency medical evacuation for travelers is covered by up to $1,000,000, and the plan also includes $150,000 of nonmedical evacuation costs.

Are the rates competitive?

We ran our sample quote for a 30-year-old single traveler with a 7-day trip and a trip cost of $5,000 through the Travel Insurance system.

The lowest rate was, not surprisingly, for the Travel Medical Protector plan, at $33. This plan does not include any trip cancellation coverage but does offer good medical coverage for the price. In fact, the medical coverage can be doubled to $100,000 for only a dollar more, an upgrade well worth the cost.

For the Worldwide Trip Protector plans, we returned rates of $144 for the budget plan, $194 for the mid-range plan, and $320 for the top-level plan.

At $144, Travel Insured’s base plan is a bit on the pricey side, especially considering the minimal medical coverage that is not primary. We have seen better coverage for the same or less at other travel companies. The next step-up offers a lot more coverage – ten times the medical coverage – for a moderate increase in price.

The top-end plan, however, is really reasonably priced considering everything it includes, especially the Cancel for Any Reason clause that often sends rates skyrocketing.

Does Travel Insured offer COVID-19 coverage?

Yes. As the COVID-19 pandemic continues to require flexible travel plans, travelers may find this kind of coverage beneficial. With the coronavirus pandemics making travel even more unpredictable, having travel insurance coverage helps protect both your trip investment and your own peace of mind while traveling abroad.

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Why should you buy travel insurance?

There are two primary reasons travelers buy insurance: to protect their financial investment through Trip Cancellation coverage, or to protect yourself from costly medical expenses in the event of an accident or emergency during their trip.

What is the claims process?

Travel Insured’s claims page is straightforward and offers quick access to information. Claims can be filed online or over the phone during business hours, which are Monday to Friday from 8:00 a.m. to 7:30 p.m. Eastern Time. Claims status can also be accessed online or by calling the claims department.

24-hour assistance for urgent needs or travel benefits help is also available, although claims are not handled through that channel. That’s standard for travel insurance companies.

Overall, Travel Insured’s claims page is precisely what we hope to see – informative and with easy access to contact and process information.

Are the ratings and consumer reviews positive?

Travel Insured International has an A+ rating with the Better Business Bureau (BBB). There are a total of 54 complaints in the past three years, slightly up from 48 the last time we reviewed this company. Of those complaints, 33 were closed in the past 12 months, compared to 20 in the 12 months prior to our last review.

Yelp has 22 reviews of this company, resulting in an overall 2-star rating. The majority of the reviews are negative, but there are several positive reviews as well. The negative reviews contain complaints that are similar across the board – non-payment of claims. As with most such complaints, there appears to be a significant amount of confusion regarding the fine print in terms of what is covered and what is not.

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What’s the bottom line?

Is Travel Insured International a good company? Travel Insured does offer good package plans. However, their entry-level plan leaves a lot to be desired in terms of the cost of the coverage provided. The travel insurance company’s high-end plan is very well priced for everything it includes, making this a company that will appeal to those who are willing to pay a little more for comprehensive coverage. Budget travel insurance customers will likely do better with a different insurer in terms of coverage value.

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