Travel insurance reviews can help you assess how responsive and helpful a provider is in times of need. By gaining valuable insights into a company’s customer service, you can make a more informed decision and select a policy that offers comprehensive protection and reliable support when it matters most.
Choosing the right travel insurance can be challenging due to the various providers and policies available. Several factors, including cost, coverage limits, benefits, and the duration of coverage, must be carefully evaluated. Therefore, understanding what to look for in a provider is essential. To simplify the process, this article will guide you through the key aspects to consider when selecting the best travel insurance plan to meet your needs.
Travel Insurance Reviews You Can Trust
As global travelers, you can trust us to provide tailored travel insurance solutions that meet your unique needs. International Citizens Insurance understands the complexities of traveling abroad and the importance of being adequately protected while you’re away. Our providers design travel insurance options to offer comprehensive coverage, whether you’re taking a short trip or embarking on an extended journey.
Beyond simply offering policies, we provide personalized support to help you choose the right plan, ensuring you have the protection you need. With strong relationships with leading insurers and a commitment to exceptional customer service, we ensure that our providers handle claims promptly and efficiently, providing you with peace of mind throughout your travels. We’re here to ensure you are covered and supported no matter where your adventures take you.
Why Are Travel Insurance Reviews Important?
Travel insurance reviews are essential because they provide valuable insights beyond what you can find in the policy description. While a policy may look great online, and the price might seem appealing, reviews from past customers reveal the real experiences of working with that provider. Genuine reviews can highlight potential issues not apparent in the marketing materials, such as delays in claim processing or poor customer service.
In the same way you would read reviews before purchasing any other product or service, travel insurance reviews help you make a more informed decision, ensuring that the provider offers comprehensive coverage and delivers when it matters most.
Our Review Methodology
Transparent, Unbiased, and Comprehensive
At International Travel Insurance Group, we believe that informed customers make better decisions. That’s why our agents provide access to reviews for all the travel insurance plans we offer—both positive and negative. We maintain a commitment to transparency, ensuring you see unedited, unbiased feedback directly from genuine customers. We never modify or filter these reviews, giving you an authentic understanding of each policy and provider.
Our reviews cover every step of the travel insurance experience, from the ease of placing your original order to making and settling a claim, if applicable. This comprehensive view allows you to evaluate the coverage, the provider’s customer service, and claims handling. By offering honest feedback from past customers, we empower you to make a fully informed decision, allowing you to select the travel insurance that best meets your needs confidently.
International Insurance Reviews and Comparisons
Our agents are here to assist you in reviewing, comparing, and selecting from a variety of international travel insurance plans:
- Trip Insurance Plans: These plans protect your investment in your trip and include additional benefits, such as coverage for lost luggage, trip delays, and other related expenses.
- Travel Medical Plans: Designed for short-term travel (less than a year), these plans cover overseas medical expenses and other travel-related risks.
- International Health Plans: Ideal for expatriates and global nomads, these long-term health insurance plans offer comprehensive coverage for those living abroad for a year or more.
Best Place to Compare and Review Travel Medical Plans
We offer a helpful chart to help you compare travel insurance plans for any nationality traveling abroad. This table lists our three top providers and the benefits of each plan. Our side-by-side comparison enables you to compare each plan to the others for a specific benefit.
At the bottom of the comparison chart, you will find links to access more details on each plan and generate quotes for each option.
Our Reviewed Travel Medical Insurance Plans
Our team has reviewed the following travel health insurance plans for price, service, and reliability. You may find other, more affordable or well-known plans, but these are our preferred options.
Single Trip Platinum Travel Insurance
- For U.S. citizens and residents up to age 95
- Includes pregnancy coverage, baggage loss, trip interruption & more
- 24/7/365 service and assistance
We recommend the Blue Cross Blue Shield Global Solutions Single Trip Platinum plan for U.S. citizens and residents traveling abroad. It offers comprehensive medical coverage, including pregnancy complications, emergency evacuation, and hospitalization.
The Single Trip Platinum plan level provides travelers with a primary U.S. insurance plan offering full coverage for pre-existing conditions. A key benefit is your access to the Blue Cross Blue Shield global PPO network of trusted doctors and hospitals, which ensures top-notch healthcare support wherever you are. This coverage allows travelers to enjoy trips of up to six months without worrying about unexpected medical expenses.
Atlas Travel Insurance
- Emergency medical, evacuation, and repatriation benefits
- Choose between basic or more extensive coverage
- Meets Schengen visa insurance requirements
We recommend the WorldTrips Atlas Travel plan for budget-conscious global travelers, students, employees, and groups seeking comprehensive protection abroad for minimal cost. This plan meets Schengen visa requirements and covers emergency medical expenses, trip interruptions, lost luggage, and more, with flexible deductibles and coverage limits to fit your needs.
Thrill-seeking adventure travelers will be pleased to know that this plan covers injuries incurred while participating in extreme sports. It also includes 24/7 emergency assistance and access to a global network of medical providers.
Patriot Platinum Travel Insurance
- Maximum limits up to $8,000,000
- IMG pays 100% of medical expenses in-network
- Evacuation due to Natural Disasters & Political Unrest
We also recommend the IMG Patriot Platinum plan for travelers seeking top-tier coverage while abroad. It offers high policy limits of up to $8,000,000 and comprehensive benefits, including emergency medical evacuation, trip interruption, and coverage for pre-existing conditions.
With flexible plan options and worldwide access to healthcare providers, Patriot Platinum is ideal for both short-term and extended international travel.
Our Trip Cancellation Plans Reviewed
Trip cancellation insurance is an excellent option for individuals or families traveling abroad for work or leisure who want to protect their financial investment.
Pathway Premier
- Comprehensive Travel Protection and Travel Medical Insurance
- Available to U.S. residents traveling for up to 90 days within the U.S. and internationally
- Optional CFAR, IFAR, Rental Car Damage, and Adventure Sports coverage
We recommend the Trawick Pathway Premier trip cancellation plan for U.S. citizens and residents looking to protect their financial investments. This plan covers cancellations for various reasons, including illness, injury, natural disasters, work obligations, and severe weather. It also covers trip interruptions, delays, emergency medical needs, and evacuations.
Travelers can also opt for the optional benefit, Cancel For Any Reason, which provides reimbursement for 75% of their prepaid, non-refundable, forfeited payments. Pre-existing condition coverage is included if you purchase the plan on or before the final trip deposit date.
iTravelInsured Trip Cancellation Insurance
- Three tiers of trip protection for U.S. citizens and residents traveling overseas
- Includes $500,000 Emergency Medical and $1,000,000 Medical Evacuation coverage
- Optional Cancel for Any Reason (CFAR) upgrade available
We also recommend the IMG iTravelInsured trip cancellation plan for U.S. citizens and residents seeking versatile protection for domestic and international trips.
This plan stands out for its flexibility. It offers robust coverage for trip cancellations and interruptions due to illness, injury, or severe weather, as well as for financial default by travel suppliers. It includes emergency medical coverage, medical evacuation, and trip delay benefits.
World Nomads Travel Insurance
- Coverage for 200+ adventure activities
- Generous benefits for lost and stolen bags and gear
- 100% Trip Cancellation and Trip Interruption
- 24/7 emergency assistance
We recommend the World Nomads Travel Insurance for travelers of all nationalities seeking reliable trip cancellation coverage. This plan provides comprehensive protection against trip cancellations resulting from illness, injury, natural disasters, and other unforeseen circumstances.
With flexible options and the ability to purchase while already abroad, World Nomads provides global travelers with peace of mind wherever their journey takes them.
Our Annual Multi-Trip Insurance Plans Reviewed
Annual travel insurance plans cover multiple short trips throughout the year, with a maximum number of days per trip set by the provider. These plans provide coverage for 12 months, so you only need to purchase them once a year.
Multi-Trip Platinum Travel Insurance
- Up to $500,000 for sickness and accidents
- $500,000 medical evacuation benefit
- Unlimited Trips Outside the U.S. for trips up to 70 days
We recommend the BlueCross BlueShield Multi-Trip Platinum plan for U.S. citizens and residents who travel frequently throughout the year. This plan provides:
- Comprehensive medical coverage for multiple trips
- Protection for unexpected medical expenses
- Emergency medical evacuations
- Hospital stays
With unlimited trips of up to 70 days each covered annually, BCBS is an ideal choice for business travelers, expats, or those who travel frequently for leisure.
Patriot Multi-Trip Travel Insurance
- Annual travel medical coverage
- Designed for individuals and dependents
- Full year of cover for trips of 30, 60, or 90 days in length
We recommend the IMG Patriot Multi-Trip plan for individuals, families, or groups who take multiple trips annually outside their country of residence.
This plan offers comprehensive coverage for emergency medical expenses, evacuation, and repatriation for trips up to 30, 60, or 90 days. It’s ideal for frequent travelers, whether for business, vacations, or holidays, ensuring protection for multiple trips throughout the year.
Travel insurance reviews offer valuable insights into the provider’s customer service performance. These reviews assess whether the company handles telephone calls and email inquiries effectively, highlighting potential issues such as long wait times or the representative’s ability to answer questions with sufficient product knowledge.
They also shed light on the claims process, an essential aspect of any travel insurance experience. Reviews will indicate whether the provider honored claims and, if not, whether the denial was for a valid reason, such as incomplete information on the application.
Knowing this in advance helps future customers avoid similar mistakes. For approved claims, reviews provide details on how easy the process was, how efficiently the provider managed the claim, and how quickly it was settled. A fast claims settlement can significantly reduce the stress of an unexpected situation abroad.
Lastly, reviews often share whether past customers were satisfied with the outcome, offering a comprehensive view of the provider’s reliability and service quality.
Reviews of Travel Insurance Companies
Most review sites focus on specific travel insurance plans, but who evaluates the companies behind those plans? Travel insurance company reviews are referred to as “ratings.” A.M. Best is one of the most prominent names in the insurance ratings industry. Their mission is to “provide timely, accurate, comprehensive, and insightful information to anyone interested in the creditworthiness of insurance companies and insurance-linked securities.”
Essentially, A.M. Best assesses the financial stability of insurance companies and assigns a grade, or rating, to each insurer or underwriter. However, it’s essential to note that these ratings reflect the company’s creditworthiness, rather than the quality of its customer service.
While financial stability is essential, most people will want to focus on reviews of specific travel insurance products. When reviewing a plan, it’s also a good idea to examine the financial rating of the insurer or underwriter behind it, as this information is often available on the website or in the supporting documentation.
Where to Start Your Review of Plans
We have compiled a list of the top 10 travel insurance companies. These companies are reputable brands, have excellent products, and their underwriters have good ratings from companies like AM Best.
While reviewing these travel insurance plans, consider what each offers, the cost of the different plans, the coverage term available, and other benefits that are most important to you.
Joe Cronin, President of ICI, is a leading expert in international health, life, and travel insurance. An MBA and founder of multiple global businesses, he helps expatriates and travelers access trusted, comprehensive insurance solutions worldwide.
View
Full Bio
