Travel Insured International Travel Insurance – Company Review

Travel Insured International Travel Insurance

8.3

INSURANCE PARTNER

9.0/10

COVERAGE OPTIONS

8.0/10

PRICE

8.0/10

Strengths

  • Strong Insurance Partner
  • Great selection of plans
  • Competitive Pricing

Weaknesses

  • Protector Lite product is a little weak in cover

Travel Insured International is a partner of AardvarkCompare – we showcase its Worldwide Trip Protector Insurance Products.

Travel Insured International was founded in 1994, and is one of the USA’s leading travel insurance providers, offering the highest quality worldwide travel protection for over 20 years.

Travel Insurance Reviews - Travel Insured International | AardvarkCompare.com

Located in Glastonbury, Connecticut, Travel Insured offers an array of travel insurance benefits including:

  • Emergency Evacuation
  • Trip Cancellation and Interruption Protection
  • Medical Insurance
  • Baggage Insurance

Also included in Travel Insured’s plans are non-insurance travel assistance services, which are provided by a partner assistance company.

Travel Insured provides 24/7 customer assistance, every day of the year.

Travel Insured International – Worldwide Trip Protector Lite

Summary

  • Trip Cancellation and Interruption
  • Accident and Sickness Medical Expense is excess (pays for covered expenses not already covered by your primary insurance plan)
  • No cover for Pre-existing Medical Conditions
  • No cover for Accidental Death and Dismemberment
  • 24/7 Travel Assistance and Customer Care
  • Underwritten by United States Fire Insurance Company

Benefits

Trip Cancellation
Up to 100% Trip Cost*

Trip Interruption
Up to 100% Trip Cost*

Travel Delay
$300 ($100/day – 12 hours)

Missed Connection
$300 (12 hours)

Change Fee
$250

Reimbursement of Miles or Reward Points
$250

Baggage & Personal Effects
$750**

Baggage Delay
$200 (24 hours)

Accident & Sickness Medical Expense
$10,000

Emergency Medical Evacuation and Repatriation
$100,000

Optional Cancel for Work Reasons
Up to 100% Trip Cost*

Optional AD&D (Air Flight Only)
Up to the Limit Purchased

Optional Rental Car Damage
$25,000

Optional Medical Upgrade
Optional Accident & Sickness

$10,000 (For a total of $20,000)
Optional Emergency Evacuation & Repatriation

$100,000 (For a total of $200,000)

* Trip Cancellation and Interruption are up to the lesser of the Trip Cost paid or the limit of Coverage for which benefits are requested and the appropriate plan cost has been paid.
** Baggage and Personal Effects has a per article limit of $250. There is a combined maximum limit of $500 for valuables.
$0 Trip Cost means there is no cover for Trip Cancellation or Trip Interruption.
Optional Cover only applies when requested on the application and the appropriate additional plan cost has been paid.

These are a highlight of the benefits and cover in your plan. Please review your certificate for a full list of benefits and exclusions and limitations.

Reasons for Trip Cancellation

  • Weather
  • Traffic Accident en Route to Departure
  • Host Death/Hospitalization
  • Strike
  • Felonious Assault
  • Terrorist Attack
  • Hijacking/Quarantine
  • Home or Destination Uninhabitable
  • Burglary
  • Military Duty for National Disaster
  • Jury Duty /Subpoena/Witness
  • Job Loss
  • Cancel for Work Reasons (option)
  • Sickness (includes family)
  • Injury (includes family)
  • Death (includes family)

Non-Insurance Travel Assistance Services

  • Medical or Legal Assistance
  • Passport Replacement/Visa Information
  • Lost Baggage Retrieval
  • Prescription Drug/Eyeglass Replacement
  • ID /Credit Recovery Assistance

Frequently Asked Questions

Q: Do you just offer cancellation on its own? I don’t need anything else.

A: Several of our plans include trip cancellation. We don’t currently offer a “cancellation-only” plan.

Q: Does the Rental Car Damage coverage cover liability insurance?

A: Our Rental Car Damage coverage doesn’t cover liability but does cover damage to your rental car during the trip.

Q: Why doesn’t the Lite plan offer the pre-existing medical condition waiver?

A: Our Lite plan is our most affordable coverage, providing only essential travel benefits for the budget-minded traveler. If you are in need of the pre-existing medical condition waiver, please look at one of our other Worldwide Trip Protector products.

Q: Can I omit some of the coverage that I don’t need?

A: Our products are complete benefit packages. Coverage can’t be omitted. We do offer a line of products with varying benefits and limits and are confident one of our Worldwide Trip Protector plans will be the right fit for you.

Q: Can I increase the amount on the baggage?

A: Our Worldwide Trip Protector Lite plan does not offer a baggage upgrade option.

Q: What is the time frame for purchasing the Cancel For Work Reason option?

A: You can add the Cancel For Work Reason option to the Worldwide Trip Protector Lite plan 1) at the time you purchase the plan AND 2) no more than 14 days after your initial trip deposit.

Q: What if my trip is longer than 30 days?

A: Our Worldwide Trip Protector Lite is only available for trips up to 30 days. If your trip is longer than 30 days it can be insured with either the Worldwide Trip Protector or Worldwide Trip Protector Plus.

Q: Can the policy information be mailed?

A: The Worldwide Trip Protector Lite fulfillment is via email. Your Confirmation of Benefits and Certificate of Insurance will be forwarded to your email address immediately after purchase.

Eligibility

  • Most affordable travel protection plan, which offers basic coverage for budget-minded travelers.
  • One year job loss protection and terrorism coverage.
  • Plan options available – Cancel For Work Reasons, Medical Upgrade and Rental Car Damage.
  • Plan removes cover for pre-existing medical conditions and supplier bankruptcy/default to save you money.
  • If default and pre-existing medical conditions should be covered, move up to Worldwide Trip Protector or select our Worldwide Trip Protector Plus plan.

Did You Know?

  • If your insured travel companion cancels for a covered reason, you can either cancel as well or, if applicable, receive reimbursement for higher per-person trip cost.
  • Travel Assistance services include Hospital Admission Guarantee, with advance payment if required.
  • Illness/accident suffered by you, your traveling companion (insured or uninsured), non-traveling parent, spouse, child, domestic partner, or other family member (insured or uninsured) or your business partner included as medical reason for Trip Cancellation/Interruption.
  • Travel Insured International’s underwriter for this plan, United States Fire Insurance Company, maintains an A (Excellent) A.M. Best 2013 rating.
  • Travel Insured International maintains an A+ Better Business Bureau rating.

Additional Information

Travel Insured International will provide you with a complete Plan Document upon purchase of the plan.

Travel Insured International – Worldwide Trip Protector

Summary

  • Accident and Sickness Medical Expense cover
  • Medical Evacuation and Repatriation
  • Pre-existing Medical – you are eligible for Pre-existing Medical Conditions cover if you purchase the policy within 21 days after your initial trip deposit, are medically able to travel at the time of purchase and insure the full non-refundable cost of your trip
  • Trip Cancellation/Interruption Cover
  • Travel Delay and Missed Connection
  • Baggage Protection and Travel Accident Protection
  • 24/7 Customer Care and Travel Assistance
  • Family Friendly – children aged 17 and under are insured at no extra charge when traveling with an insured related adult
  • Underwritten by United States Fire Insurance Company

Benefits

Trip Cancellation
Up to 100% Trip Cost*

Trip Interruption
Up to 150% Trip Cost*

Travel Delay
$1,000 ($200/day – 6 hours)

Reimbursement of Miles or Reward Points
$250

Change Fee
$250

Missed Connection
$500 (3 hours)

Itinerary Change
$500

Accident & Sickness Medical Expense
$100,000

Emergency Medical Evacuation and Repatriation
$1,000,000

Baggage & Personal Effects
$1,000**

Baggage Delay
$300 (12 hours)

Accidental Death and Dismemberment – 24 Hour
$10,000

Optional AD&D (Air Flight Only)
Up to the Limit Purchased

Optional Rental Car Damage
$50,000

Optional Primary Coverage Upgrade
Makes medical and baggage coverage primary

Optional Travel Benefits – Travel Delay
$1,000 (For a total of $2,000)

Optional Travel Benefits – Missed Connection
$500 (For a total of $1,000)

Optional Travel Benefits – Baggage/Personal Effects
$1,000 (For a total of $2,000)

Optional Travel Benefits – Baggage Delay
$300 (For a total of $600)

* Trip Cancellation and Interruption are up to the lesser of the Trip Cost paid or the limit of cover for which benefits are requested and the appropriate plan cost has been paid.
** Baggage and Personal Effects has a per article limit of $250. There is a combined maximum limit of $500 for valuables.
Optional Coverage only applies when requested on the application and the appropriate additional plan cost has been paid.
$0 Trip Cost means there is no cover for Trip Cancellation. Trip Interruption up to $500 return air only.

These are a highlight of the benefits and cover in your plan. Please review your certificate for a full list of benefits and exclusions and limitations.

Reasons for Trip Cancellation

  • Sickness (includes family)
  • Pre-existing Medical Conditions
  • Injury (includes family)
  • Death (includes family)
  • Bankruptcy/Default
  • Weather
  • Traffic Accident en Route to Departure
  • Host Death/Hospitalization
  • Strike
  • Felonious Assault
  • Terrorist Attack
  • Hijacking/Quarantine
  • School Year Extension
  • Home or Destination Uninhabitable
  • Burglary
  • Military Duty for National Disaster
  • Jury Duty/Subpoena/Witness
  • Pregnancy
  • Attending Childbirth
  • 50% Trip Missed Due to Missed Connection
  • Job Loss
  • Cancel for Work Reasons
  • NOAA Hurricane Warning at Destination
  • Theft of Passports/Visas
  • Destination Evacuation

Non-Insurance Travel Assistance Services

  • Non-Medical Emergency Evacuation
  • Medical or Legal Assistance
  • Passport Replacement/Visa Information
  • Lost Baggage Retrieval
  • Prescription Drug/Eyeglass Replacement
  • ID/Credit Recovery Assistance
  • Business Concierge
  • Concierge Service

Frequently Asked Questions

Q: Do you just offer cancellation on its own? I don’t need anything else.

A: Several of our plans include trip cancellation. We don’t currently offer a “cancellation-only” plan.

Q: Does the rental car damage benefit cover liability insurance?

A: Our rental car damage benefit doesn’t cover liability but does cover damage to your rental car during the trip.

Q: Can I omit some of the coverage that I don’t need?

A: Our products are complete benefit packages. Cover can’t be omitted. We do offer a line of products with varying benefits and limits and are confident one of our Worldwide Trip Protector plans will be the right fit for you.

Q: Can I increase the amount on the baggage?

A: Our Worldwide Trip Protector plan offers the Travel Benefits Upgrade, which will double the coverage limits of your Baggage & Personal Effects, Missed Connection, Travel Delay, and Baggage Delay benefits.

Q: Can the policy information be mailed?

A: Yes, you can choose to have your policy information mailed or emailed. If you select email as your fulfillment method, your Confirmation of Benefits and Certificate of Insurance will be delivered to your email address immediately after purchase.

Eligibility

  • Available to U.S. residents of all ages.
  • Maximum trip duration is 180 days.

Did You Know?

  • All children aged 17 and under can be added to the policy of an individual insured related adult at no extra charge and benefit from full cover.
  • Illness/accident suffered by you, your traveling companion (insured or uninsured), non-traveling parent, spouse, child, domestic partner, or other family member (insured or uninsured) or your business partner included as medical reason for Trip Cancellation/Interruption and within Pre-existing Medical Conditions protection.
  • If your insured travel companion cancels for a covered reason, you can either cancel as well or, if applicable, receive reimbursement for higher per-person trip cost.
  • Travel Assistance services include Hospital Admission Guarantee, with advance payment if required.
  • Because an early and unexpected return home in addition to your lost expenses can cost more than your original trip, Trip Interruption for this plan covers up to 150% of trip cost.
  • Travel Insured International’s underwriter for this plan, United States Fire Insurance Company, maintains an A (Excellent) A.M. Best 2013 rating.
  • Travel Insured International maintains an A+ Better Business Bureau rating.

Additional Information

Travel Insured International will provide you with a complete Plan Document upon purchase of the plan.

 

Travel Insured International – Worldwide Trip Protector Plus

Summary

  • Accident and Sickness Medical Expense is primary (pays for covered expenses without regard to other insurance or cover that you may have)
  • Pre-existing Medical – you are eligible for Pre-existing Medical Conditions cover if you purchase the policy up to 21 days after your initial trip deposit, are medically able to travel at the time of purchase and insure the full non-refundable cost of your trip
  • Broadest Trip Cancellation/Interruption protection
  • Rental Car Damage included
  • Travel Delay and Missed Connection
  • Baggage Protection
  • Travel Accident Protection
  • 24/7 Customer Care and Expanded Travel Assistance
  • Underwritten by United States Fire Insurance Company

Benefits

Trip Cancellation
Up to 100% Trip Cost*

Cancel for Any Reason**
Up to 75% Trip Cost*

Trip Interruption
Up to 150% Trip Cost*

Interrupt for Any Reason
Up to 75% Trip Cost*

Reimbursement of Miles or Reward Points
$250

Change Fee
$250

Travel Delay
$1,000 ($200/day – 6 hours)

Missed Connection
$500 (3 hours)

Itinerary Change
$500

Accident & Sickness Medical Expense
$100,000

Emergency Medical Evacuation and Repatriation
$1,000,000

Accidental Death and Dismemberment – 24 Hour
$10,000

Baggage & Personal Effects
$1,000***

Baggage Delay
$300 (12 hours)

Rental Car Damage
$50,000

Optional AD&D (Air Flight Only)
Up to the Limit Purchased

Optional Travel Benefits – Travel Delay
$1,000 (For a total of $2,000)

Optional Travel Benefits – Missed Connection
$500 (For a total of $1,000)

Optional Travel Benefits – Baggage/Personal Effects
$1,000 (For a total of $2,000)

Optional Travel Benefits – Baggage Delay
$300 (For a total of $600)

* Trip Cancellation and Interruption are up to the lesser of the Trip Cost paid or the limit of Coverage for which benefits are requested and the appropriate plan cost has been paid.
**Policy must be purchased within 21 days of your initial trip deposit to be eligible for Cancel for Any Reason cover.
*** Baggage and Personal Effects has a per article limit of $250. There is a combined maximum limit of $500 for valuables.
Optional Coverage only applies when requested on the application and the appropriate additional plan cost has been paid.
$0 Trip Cost means there is no coverage for Trip Cancellation, Cancel for Any Reason, or Interrupt for Any Reason. Trip Interruption up to $1,000 return air only.

These are highlights of the benefits and cover in your plan. Please review your certificate for a full list of benefits and exclusions and limitations.

Reasons for Trip Cancellation

  • Sickness (includes family)
  • Pre-existing Medical Conditions
  • Cancel for Any Reason
  • Bankruptcy/Default
  • Weather
  • Traffic Accident en Route to Departure
  • Destination Evacuation
  • Host Death/Hospitalization
  • Strike
  • Felonious Assault
  • Terrorist Attack
  • Hijacking/Quarantine
  • School Year Extension
  • Burglary
  • Military Duty for National Disaster
  • Jury Duty/Subpoena/Witness
  • Pregnancy
  • Attending Childbirth
  • 50% Trip Missed Due to Missed Connection
  • Job Loss
  • NOAA Hurricane Warning at Destination
  • Theft of Passports/Visas
  • Injury (includes family)
  • Death (includes family)
  • Cancel for Work Reasons
  • Home or Destination Uninhabitable

Non-Insurance Travel Assistance Services

  • Medical or Legal Assistance
  • ID/Credit Recovery Assistance
  • Passport Replacement/Visa Information
  • Lost Baggage Retrieval
  • Prescription Drug/Eyeglass Replacement
  • Business Concierge
  • Concierge Service
  • Non-Medical Emergency Evacuation

Frequently Asked Questions

Q: Do you just offer cancellation on its own? I don’t need anything else.

A: Several of our plans include trip cancellation. We don’t currently offer a “cancellation-only” plan.

Q: Does the Rental Car Damage cover liability insurance?

A: Our Rental Car Damage coverage doesn’t cover liability but does cover damage to your rental car during the trip.

Q: Can I omit some of the coverage that I don’t need?

A: Our products are complete benefit packages. Coverage can’t be omitted. We do offer a line of products with varying benefits and limits and are confident one of our Worldwide Trip Protector plans will be the right fit for you.

Q: Can I increase the amount on the baggage?

A: Our Worldwide Trip Protector Plus plan offers the Travel Benefits Upgrade, which will double the coverage limits of your Baggage & Personal Effects, Missed Connection, Trip Delay, and Baggage Delay benefits.

Q: Is there an additional charge if the trip exceeds 30 days?

A: There is an additional $8 per-person, per-day charge if your trip is more than 30 days. This plan can be purchased for a maximum of 180 days.

Q: Can the policy information be mailed?

A: Yes, you can choose to have your policy information mailed or emailed. If you select email as your fulfillment method, your Confirmation of Benefits and Certificate of Insurance will be forwarded to your email address immediately after purchase.

Eligibility

  • Available to U.S. residents of all ages.
  • Purchase your plan within 21 days of your initial trip deposit to be eligible for Cancel for Any Reason coverage.
  • Maximum trip duration is 180 days.

Did You Know?

  • Illness/accident suffered by you, your traveling companion (insured or uninsured), non-traveling parent, spouse, child, domestic partner, or other family member (insured or uninsured) or your business partner included as medical reason for Trip Cancellation/Interruption and within Pre-existing Medical Conditions protection.
  • If your insured travel companion cancels for a covered reason, you can either cancel as well or, if applicable, receive reimbursement for higher per-person trip cost.
  • Travel Assistance services include Hospital Admission Guarantee, with advance payment if required.
  • Because an early and unexpected return home in addition to your lost expenses can cost more than your original trip, Trip Interruption for this plan covers up to 150% of trip cost.
  • Travel Insured International’s underwriter for this plan, United States Fire Insurance Company, maintains an A (Excellent) A.M. Best 2013 rating.
  • Travel Insured International maintains an A+ Better Business Bureau rating.

Additional Information

Travel Insured International will provide you with a complete Plan Document upon purchase of the plan.

 

As always, at AardvarkCompare we recommend that travelers consider travel insurance. You can get an anonymous quote in seconds, and compare dozens of the top travel plans from many of the largest US travel insurers, saving you time and money finding the right travel plan for your needs.

What many people do not know is that they won’t find the same trip insurance plans available at a better price – all down to price certainty anti-discriminatory law in the US.
Travel Insurance Comparison – Will I Pay More Buying Travel Insurance from a Comparison Website?

In short – the price of a trip insurance quote for an insurance plan that you see from AardvarkCompare is the same price you would see from the insurance carrier direct – we are not allowed to compete on price for ‘filed’ insurance products. No one is. You are certain to get best value from us.

Safe travels.

 

Recent AardvarkCompare Travel Insurance Customer Reviews

TP1|AardvarkCompare.com

TP3 | AardvarkCompare.com

I Panicked When I Discovered
I panicked when I discovered the Travel Insurance I had through Expedia had expired when I changed my flight reservation.
When I went to renew I was told I couldn’t.
I discovered Aardvark on my AARP site and I was excited I could purchase an even better travel plan with cover starting with my trip departure, at a cost I could afford.
I was confused with the initial site and Mr. Breeze reached out to me for clarification.
He explained the policy more thoroughly and addressed all my concerns, can’t get any better than that!
Thank You Aardvark and thank you Jonathan for your assistance.
I can go on my trip now knowing I’ll be covered for medical emergencies and then some. 
Barbara

 

TP6 - AardvarkCompare Review | AardvarkCompare.com

Good Choices, Well Explained
I liked the way insurance was explained. I had read an article your company had written explaining Expedia trip cover versus other choices.
I used this advice to make the best choice for me and my traveling companions. That choice was to take a policy that provided much better medical and evacuation primary care.
Your site allowed comparisons, and I think I got the best value for my money. I don’t like constant follow up emails, though. You could back off a bit!!
Louise

 

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