Between flight cancellations and illnesses, travel insurance is more important than ever these days. But sorting through your options can feel overwhelming (not to mention frustrating as your inbox fills with emails from required sign-ups).
So, if you’re looking for a more streamlined way to view various insurance plans, you’ve likely stumbled upon TravelInsurance.com.
I’ll share my personal TravelInsurance.com review with you so that you can understand the ins and outs of how it works before deciding if it’s a good fit for you.
The travel insurance industry has over 100 years of protecting travelers since its conception, with new companies popping up all the time as they cater to an ever-evolving array of travel destinations and travel risks.
TravelInsurance.com recognized the challenges travelers face with weeding through countless offerings and prices from these travel insurance providers. Their goal was to make it easier for travelers to sort through their options. And so, beings their story.
TravelInsurance.com uses computer-generated technology to find the best travel insurance companies and plans according to travelers’ data and needs. They’re a member of the US Travel Insurance Association (UStiA) and are owned by DigiVentures Holdings, LLC.
Together, these credentials make TravelInsurance.com a trustworthy resource for travelers-to-be wanting to compare travel insurance plans.
How TravelInsurance.com Works
TravelInsurance.com partners with well-known travel insurance companies to show their customers the best travel insurance options on the market.
So, when you visit TravelInsurance.com and type in your information on their website, their system will quickly comb through their partner’s offerings, showing you the best travel insurance choices for your situation within seconds.
TTravelInsurance.com has high standards for the providers they choose, working almost exclusively with major insurers, ensuring that all offer 24/7 emergency assistance and a range of plans.
Some of the travel insurance agencies that TravelInsurance.com works with include:
You can view a full list of the different companies TravelInsurance.com works with here.
The beautiful thing about TravelInsurance.com is that you’re in control of the plan you choose for your travel security. Your age, place of residence, where you’re traveling to, and budget are some factors that will play a role in what kind of coverage options you’ll have to choose from.
Below are some examples of the many travel insurance coverage possibilities that TravelInsurance may present to you:
- Trip cancellation coverage
- Trip interruption coverage
- Lost luggage recovery or compensation
- Medical coverage (including emergency medical care, medical expenses, emergency medical evacuation benefits, cover pre-existing conditions, etc.)
- Coverage for flight delays or flight accidents
- Accidental death or dismemberment
- Rental car insurance
TravelInsurance.com strives to show you options for the most comprehensive coverage for the lowest cost.
See Related: Best Insurance for Pre-Existing Conditions
TravelInsurance.com Pros and Cons
A TravelInsurance.com review wouldn’t be complete without addressing its features that do and don’t work well. Let’s explore each.
Benefits of TravelInsurance.com
- You don’t need to fill out separate forms for each of the travel insurance agencies that TravelInsurance.com works with
- No email spams – TravelInsurance.com will only ask for your email if you buy a package
- All providers offer 24/7 emergency support
- An intuitive user-friendly website
- A detailed comparison between different insurance options
- It’s often more economical to purchase through TravelInsurance.com
- You can sort insurance options according to your budget
- You’ll receive a confirmation email almost instantly after making your purchase
- Many resources for understanding the nuances of different coverage options
- The ability to build single-trip plans AND multi-trip plans
Areas for Improvement With TravelInsurance.com
- They don’t offer support if you need to file a claim
- They’re an insurance policy facilitator, not a provider
All in all, there are many more pros outweighing the cons of using TravelInsurance.com. However, people’s biggest misconception about this company is that they’ll hold your hand through any questions or insurance claims you have after purchasing your policy.
Unfortunately, that’s not the case at this time. Instead, you’ll need to work directly with the company providing your insurance policy should you need assistance after buying your plan.
See Related: Seven Corners Travel Insurance Review
How to Register for TravelInsurance.com
Now that I’ve set the foundation of TravelInsurance pros and cons, let’s move on to learning how to register for it.
Here’s some good news: If you’re not a fan of creating yet another password, you won’t have to do it with TravelInsurance.com. Instead, “registering” involves giving them a handful of key details about your trip and clicking “Get Quotes Now.”
I’ve filled out TravelInsurance.com’s insurance form (which you can find on their homepage) several times. I’ve always gotten my insurance plan options within five seconds.
Information That TravelInsurance.com Needs
You don’t have to go so far as giving TravelInsurance.com your social security number (or national equivalent). However, they will ask you for several personal details, including:
- Trip cost
- Main destination
- Trip dates
- Number of travelers
- Traveler ages
- Permanent residence
- Initial trip payment date
Managing a Group
Often the most memorable trips are when you travel with friends and family. TravelInsurance.com makes it easy for groups looking to snag a great travel insurance deal, allowing you to select more than ten travelers in a group.
If you’d rather not pay the way for your sister-in-law’s cousin or best friend’s neighbor, you can opt to see the prices per individual.
Once you decide on a plan, you can divide payments among different credit cards. That way, everyone gets to benefit from cheaper group travel insurance rate prices compared to if they all applied separately for insurance through TravelInsurance.com.
You can read more about TravelInsurance.com’s group benefits here.
See Related: SafetyWing Review: Is It Legit or a Scam?
How to Pick TravelInsurance.com Plans
When the page pops up showing you TravelInsurance.com’s coverage options, you’ll notice prices in large, blue numbers to the right of the tables of information. As you scroll down, you’ll see that TravelInsurance.com offers the following details:
- The name of the travel insurance company
- Links to reviews about the company
- The percentage of people that recommend it
- Name of the plan
- The company’s A rating (with “A” being the highest)
- Link to more information
- An option to request a quote via email
- Highlights of the essential coverages
If you’re experiencing analysis paralysis with so many options, rest easy. Below are the strategies I recommend for sorting through TravelInsurance.com’s plans.
Option #1: Narrow Your Search
By looking at the sidebar of the page of plans, you’ll see a section labeled, “Narrow Your Search.” Click on this bar if the drop-down isn’t already appearing, and you’ll see a range of travel insurance categories with the number of policies that include them.
TravelInsurance.com coverage often shares some similarities between plans. Trip cancellation and trip interruption insurance are common examples that I’ve seen in my searches.
Decide which coverage choices are the most important to you. Then, select those by clicking on the box to the left. As you tick each box, TravelInsurance.com will automatically update the search results.
Keep in mind that if you have super specific requirements about how you want your travel insurance plan to look, you may need to practice a bit of flexibility.
So, play around with checking the boxes to find the best-fit combination for you.
Option #2: Click the “Add to Compare” Button
Another savvy feature on TravelInsurance.com is the “Add to Compare” button, which you’ll find beneath the plan quote.
Once you select two or more plans from the initial overview page that TravelInsurance.com shows you, a button will appear saying “Compare Now.”
Click that button, and it’ll bring you to a user-friendly chart highlighting each of the plans’ features. Green checkmarks and red “x’s” make it easy to determine what each plan does and doesn’t offer.
Every detail on the chart has a clickable link where it’ll provide you with more in-depth information about a specific policy if you click on it.
A Note On COVID-19 Coverage
COVID-19 is understandably on every traveler’s mind these days. So, TravelInsurance.com makes it easy on its customers by offering a “COVID-19 FAQs” button under each travel insurance company it presents to you.
The link will provide instant information on the company’s COVID-19 coverage policy, including situations such as:
- The traveler contracting COVID-19, making them ineligible to travel
- The traveler contracting COVID-19 during the trip
- Business partner or child caregiver tested positive for COVID-19, requiring the traveler to stay home
How to Make a Claim on TravelInsurance.com
One of the reasons why I wanted to write this TravelInsurance.com review is to help you set your expectations about what TravelInsurance.com does and doesn’t do.
In the case of filing a claim, TravelInsurance.com can’t help you out. That’s because TravelInsurance.com isn’t a travel insurance provider. Instead, they show you the best options of the travel insurance companies they partner with.
So, even though you’ll make your payment on TravelInsurance.com, you’re really purchasing your plan through a specific travel insurance provider.
Nevertheless, TravelInsurance.com doesn’t leave you completely in the dark. Instead, they offer guidance on how to file a claim with your insurance company. I’ve rounded up the main takeaways for you below:
Contact Your Travel Insurance Company Before Filing a Claim
That’s right – instead of pouring time into filling out the perfect insurance claim, take the time to call or message your travel insurance company to understand if your situation is applicable for a potential refund.
They won’t be able to confirm with 100% certainty about a reimbursement until they receive your claim. However, the insurance company will be able to give you a feel for just how likely it is you’ll get compensated for whatever travel snag you faced.
One piece of advice I recommend is asking what you can do to improve their acceptance of your claim. You never know – you just might get a tidbit of information that could push your claim into the reimbursement pile!
Go Overboard With Sending Proof
When it comes to filing an insurance claim, there’s no such thing as not having enough supporting documents. The more evidence you can show your insurance company that a travel event went down as you described, the higher the chance of your claim getting accepted.
The good news is that your insurance company won’t make you jump through hoops by guessing what they need. For example, if you can’t travel because you’re sick, they’ll let you know that you need to show a doctor’s note.
But to make it all the better, if you need a prescription, you may want to show the receipt proving you purchased it. The more you can go above and beyond with your proof, the better off you’ll be.
Managing a Claim Denial
Just like TravelInsurance.com doesn’t manage the claims process, they also aren’t responsible for the outcome of a claim. Nevertheless, if your travel insurance company denies a claim, you’ve got another recourse—filing an appeal.
Yes, this involves more paperwork and isn’t a process anyone wants to go through. But according to TravelInsurance.com, travel insurance companies honor appeals around 50% of the time.
You can contact the Better Business Bureau for support as a last recourse. The good news is that TravelInsurance.com works with highly regarded travel insurance companies. Therefore, provided that your situation falls within your coverage, the chances are high that the insurance company will compensate you.
Do you still have questions about how TravelInsurace.com works? Below are some answers to common inquiries.
Does TravelInsurance.com offer country-specific insurance information?
Yes, TravelInsurance.com provides insurance information for dozens of countries. The data is for people traveling to these countries, not necessarily those from them.
How many people need to travel for TravelInsurance.com group benefits?
If you have at least ten people traveling with you, you’ll qualify for group insurance. The biggest benefit you’ll receive with group insurance is lower rates,
How does TravelInsurance.com choose its partners?
TravelInsurance.com has many criteria for choosing which travel insurance companies to partner with. High-quality reviews, 24/7 emergency support, a diversity of plans, and outstanding customer service are examples of what TravelInsurance.com looks for.
What accreditations does TravelInsurance.com have?
TravelInsurance.com is a member of the UStiA and has an A+ rating with the Better Business Bureau. In addition, DigiVentures Holdings, LLC, which owns TravelInsurance.com, is up-to-date on its licenses in the state of California.
How can I contact TravelInsurance.com?
You can contact TravelInsurance.com via live chat or phone. Their office hours are 9:00 am – 8:00 pm EST Monday – Friday.
Does TraveIInsurance.com charge money for their service?
TravelInsurance.com doesn’t charge service fees for purchasing a plan on its website. Instead, they receive a kickback through the travel insurance companies they work with.
In many cases, it’s the same amount of money or even cheaper to purchase an insurance plan on TravelInsurance.com compared to buying it on the insurance company’s website.
The Bottom Line
I hope this TravelInsurance.com review has helped you understand how the company operates and what to look out for. Personally, I’ve had positive experiences using TravelInsurance.com. I love how easy it is to compare plans. Filling out my information once and not receiving follow-up emails from countless insurance companies is also a huge plus.
TravelInsurance.com isn’t a set-it-and-forget-it type of company. Instead, it’s your responsibility to read through the different insurance plans so you can choose the best fit for your situation.
Once you buy an insurance plan, you’ll surely feel more relaxed and confident as you prepare for and take your trip.
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Ease of Use9.0/10
Value for Money9.0/10
- No email spams
- 24/7 emergency support
- User-friendly Website
- Offers detailed insurance comparison
- More economical to purchase
- Don’t offer support if you need to file a claim
- They’re an insurance policy facilitator, not a provider