TravelInsurance.com Review — Is It Worth It?

You can get peace of mind and financial protection with travel insurance, which offers benefits including trip cancellation and emergency medical treatment. On TravelInsurance.com, you can shop for travel insurance policies to help you deal with unexpected travel disruptions, whether it’s a medical emergency or lost luggage.

As a travel insurance comparison website, TravelInsurance.com makes it easy to compare policies from multiple providers and evaluate your coverage options to find a plan that fits your needs.

Read this TravelInsurance.com review to understand how to use the site, along with alternatives and other details you need to know.

TravelInsurance.com Travel Insurance: Pros

• It offers coverage and price comparisons from multiple travel insurance providers. You can compare plans side by side and filter for specific features to find a policy that matches your requirements and budget.
• TravelInsurance.com reviews offer insights into the experiences that other travelers have had with insurance providers on the site.

You could shop for travel insurance by visiting multiple travel insurance company websites, but comparing your options on TravelInsurance.com can be a time saver because you can view prices and coverage options across multiple providers using the platform. It’s a free tool that’s great for exploring travel insurance options.

You can filter results to fit your preferences as you shop for plans. For example, you can set coverage types or limits. You’ll also be able to compare plan details side by side to streamline the decision-making process.

Although you can’t get travel insurance directly from Travelnsurance.com, you can connect with highly-rated travel insurance providers and start the purchase process. However, the platform doesn’t have an in-house claims advocacy service like Squaremouth’s zero-complaint guarantee. You’ll handle claims directly with insurance providers.

TravelInsurance.com stands out for transparent comparison tools and partnerships with trusted travel insurance providers.

TravelInsurance.com Travel Insurance: Cons

• TravelInsurance.com isn’t a direct insurance provider, so it doesn’t handle claims. If you need detailed policy terms, you may need to contact the insurance company directly.
• Customer support is limited, and you can’t use a live chat service or 24/7 helpline.

TravelInsurance.com isn’t an insurance provider and doesn’t directly provide or underwrite travel insurance. It’s a marketplace that allows you to compare travel insurance policies, so it doesn’t handle claims or have fully detailed explanations of policy terms. You need to contact the insurance provider directly for those details.

While the TravelInsurance.com platform is user-friendly, it lacks customer service features such as live chat and 24/7 support, so you should plan on email follow-up for inquiries outside of business hours. However, understand that customer service for policies purchased on TravelInsurance.com depends on the insurance provider rather than the platform.

Think of TraveIInsurance.com as the insurance version of using an online travel agency site like Expedia to book travel rather than booking directly with an airline or hotel. It’s a good starting point for narrowing your options so you can review the policy details on the insurer’s website before purchasing.

Bottom Line:

If you find a policy you like on TravelInsurance.com, check out further details on the travel insurance company’s site, which can help you learn more about inclusions and exclusions to find a policy that fits your trip and budget.

COVID-19 Coverage

You can find information about COVID-19 coverage for policies on the TravelInsurance.com platform. Typically, you can expect policies on TravelInsurance.com to cover COVID-19 with trip cancellation and interruption, emergency medical, and quarantine expenses. However, the specific coverage varies depending on the policy.

Before you purchase a policy, review the detailed information on a policy’s COVID-19 coverage and exclusions. 

Optional Add-Ons

Many of the policies available on TravelInsurance.com have options to enhance your coverage. For example, you might be able to add coverage for canceling a destination wedding or get coverage for adventure or extreme sports. Some of the common add-ons available on TravelInsurance.com include:

• Cancel for Any Reason (CFAR): CFAR provides partial reimbursement if you cancel for reasons that aren’t typically covered. 
• Primary Medical Coverage: Paying extra for primary medical coverage can upgrade your secondary medical coverage to streamline claims — you don’t have to go through other available insurance before you make a claim.
• Adventure Sports Coverage: You can add adventure sports coverage if you plan on risky activities generally not covered by standard travel insurance, such as scuba diving or mountaineering.

You should read each policy and its add-ons carefully to understand what it includes, doesn’t include, and how much it costs to add extras. A more comprehensive policy may provide better value than a lower-cost policy with multiple add-ons.

TravelInsurance.com Travel Insurance Policy Features

As you compare travel insurance plans, you’ll probably notice that costlier plans typically offer more extensive coverage and have higher payouts. However, that can vary when you compare costs between various providers. 

TravelInsurance.com excels with tools for comparing travel insurance plans across providers. It’s easy to filter policies based on your needs to evaluate how similar options compare in coverage and pricing. 

These are the factors you can compare across providers on TravelInsurance.com:

• Cancel for Any Reason: CFAR is a common add-on that is available from most providers. It allows you to cancel a trip for reasons other than standard covered reasons and get partial reimbursement.
• COVID-19 Coverage: Policies with COVID-19 coverage can offer benefits for trip cancellations, quarantines, or missed flights due to a positive COVID-19 test. 
• Trip Cancellation and Interruption: These benefits reimburse you for prepaid, nonrefundable costs if you cancel or cut your trip short for covered reasons such as illness or severe weather.
• Trip Delay: With trip delay coverage, you can be reimbursed for transportation, meals, and other costs incurred because of delays.
• Baggage Loss or Damage: This coverage protects against loss, damage, or theft of baggage and belongings, though it typically excludes high-value items such as jewelry or electronics. 
• Baggage Delay: You’re covered for expenses related to baggage delays, such as purchasing replacement clothes or toiletries.
• Emergency Medical and Dental: This benefit covers medical or dental emergencies on your trip. It can act as secondary insurance if you have existing coverage or primary insurance if you travel to an area without coverage.
• Emergency Assistance and Transportation: If you’re in an area without an adequate medical facility, you can be evacuated to another facility for treatment.
• Accidental Death and Dismemberment (AD&D): AD&D provides payments for accidental death or loss of limb or eyesight during a trip. 
• Rental Car Damage: If you have this coverage, you can turn down coverage at the rental car counter. It applies to costs for collision damage, theft, or natural disasters affecting rental cars.

Bottom Line:

TravelInsurance.com can help you navigate these coverage features and compare plans efficiently. However, you should review the full policy terms and exclusions to ensure it meets your specifications.

Coverage Exclusions

As you explore travel insurance options on TravelInsurance.com, it’s good to understand what is and isn’t covered. Exclusions are part of any insurance policy, but misunderstanding these details can lead to surprises when it’s time to file a claim. 

Be sure you’re not focusing solely on price. Check the exclusions to make sure the policy aligns with your trip’s specifics, including destinations, activities, and health needs. For example, some policies may exclude coverage for injuries that occur when you’re under the influence of alcohol or drugs or medical emergencies related to pregnancy. You’ll likely need a specialized add-on if you want coverage for activities such as flying a private plane or bungee jumping. 

Some destinations are excluded from coverage, especially those with active conflicts or travel advisories. These typically include war zones or regions with significant political instability. When you get a quote for travel insurance on TravelInsurance.com, provide an accurate location so you only see options for policies that cover your intended travel destination.

How Much Does TravelInsurance.com Travel Insurance Cost?

TravelInsurance.com is an intermediary, but you should expect to pay the same amount for travel insurance on the site as you would if you purchased coverage directly from the travel insurance company.

How To Shop for Travel Insurance With TravelInsurance.com

You can get started with travel insurance quotes on TravelInsurance.com, either on the homepage or on pages for specialized insurance types.

Using the homepage quote tool, enter details about yourself and your trip, including your trip cost, destination, number of travelers, and travelers’ ages.

We got quotes for a 45-year-old traveler from Maryland visiting Denmark for 2 weeks with a $2,500 trip cost.

To the left of the results, there were options to filter based on coverage options, including:

• Trip cancellation
• Trip interruption
• Preexisting condition exclusion waiver
• CFAR
• Baggage and personal effects
• Emergency medical evacuation
• Car rental collision coverage
• Accidental death and dismemberment
• Flight accidental death and dismemberment
• COVID-19 medical coverage

Unlike other travel insurance comparison websites, TravelInsurance.com did not allow filtering for coverage levels, only the availability of coverage. For example, we couldn’t filter for $1 million emergency medical evacuation, only policies offering coverage at any level.

However, we could sort results based on price, provider name, and coverage level on a drop-down menu. For example, when we sorted medical evacuation by highest to lowest, the policies with the highest medical evacuation benefit were presented at the top of our results.

By clicking the Add to Compare box below the price on quote results and then clicking Compare Now, we could compare policies side by side, including ratings for each travel insurance company, coverage levels, and exclusions.

Clicking Buy Now brought us to a checkout page where we could enter our traveler information, add optional coverage for accidental death and dismemberment, and enter billing information.

Additional pages offer single-trip travel insurance, cruise insurance, senior travel insurance, annual travel insurance, and travel medical insurance. The single trip, cruise, and senior travel insurance pages have a quote engine like the homepage, but the annual and travel medical pages differ.

The annual travel insurance page provides highlights, ratings, and a link to each travel insurance provider’s website to get a quote. There are no side-by-side comparisons and quotes for annual travel insurance.

The travel medical insurance page offers quotes for visitors, new immigrants, J1 and Schengen visas, and students. For quotes, you can fill out your citizenship and residency, age, coverage start and end date, and the coverage area. There’s an option to add coverage for a spouse and children.

We got quotes for a 45-year-old U.S. citizen needing non-U.S. medical insurance coverage for a 2-week trip. The listings let us adjust the policy maximum and deductible. We could also filter for comprehensive or limited coverage and sort by price.

How Reliable Is TravelInsurance.com?

TravelInsurance.com vs. Buying Directly From Insurance Providers

TravelInsurance.com doesn’t charge additional fees to purchase insurance through its platform instead of buying directly from the provider. However, verifying pricing and coverage directly with the travel insurance company is still a good idea.

We got a quote for $65.39 from TravelInsurance.com for a 45-year-old on a $2,500 2-week trip to Denmark using a Trawick International Safe Travels Protect plan.

We tried the same quote on Trawick International’s website, and it was identical.

The results were again identical when we compared TravelInsurance.com to Aegis directly. The quote was $86 on TravelInsurance.com.

The price and coverage were the same when we checked for a quote directly with Aegis.

TravelInsurance.com vs. InsureMyTrip

InsureMyTrip is another travel insurance comparison website where you can get quotes. We ran the same quote scenario on InsureMyTrip as on TravelInsurance.com and got vastly different results. InsureMyTrip quotes started at $26.40 and offered lower-priced options than TravelInsurance.com, which had quotes starting at $65.39.

However, the low-cost options had limited coverage and were mostly benefits for medical coverage — no trip cancellation or interruption benefits. When we filtered for InsureMyTrip quotes that included trip cancellation and interruption, the quotes looked similar to what we found on TravelInsurance.com.

TravelInsurance.com vs. Squaremouth

We also compared TravelInsurance.com quotes to another travel insurance comparison site, Squaremouth. There were some options on Squaremouth not available on TravelInsurance.com. For example, the lowest-price quote on Squaremouth was $46.30, which wasn’t available on TravelInsurance.com.

However, plans that were the same across Squaremouth and TravelInsurance.com had identical pricing, such as the Trawick International Safe Travels Protect plan, which was $65.39 on both sites.

TravelInsurance.com vs. Credit Card Insurance

While TravelInsurance.com offers comprehensive travel insurance plans, some travel cards offer travel protection benefits that can provide good coverage for trip cancellations, medical emergencies, and more.

Consider these benefits of The Platinum Card^® from American Express, Capital One Venture X Rewards Credit Card, Chase Sapphire Preferred^® Card, and Chase Sapphire Reserve^®.

Bottom Line:

You have numerous travel insurance coverage options, whether getting quotes from TravelInsurance.com, shopping directly with travel insurance companies, or using travel protection benefits from credit cards.

Final Thoughts

TravelInsurance.com is a reliable and convenient option for shopping for travel insurance. You can use it to compare policies, customize your coverage, and make an informed decision about travel insurance. Although it lacks in-house claims support and live customer service, it is a valuable resource with transparent pricing and robust comparison tools.

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For the car rental loss and damage insurance benefit of The Platinum Card^® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the trip cancellation and interruption insurance benefit of The Platinum Card^® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip delay insurance benefit of The Platinum Card^® from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the baggage insurance plan benefit of The Platinum Card^® from American Express, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the premium global assist hotline benefit of The Platinum Card^® from American Express, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.