We are only showing ratings that have a written review.
The trip included a
cruise
tour
C&F Travel Insured International
FlexiPAX
Once again, I was fortunate that the coverage I purchased was not needed., but it gave me the peace of mind to travel
Kathryn S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
C&F Travel Insured International
FlexiPAX
Due to a cancellation of our transatlantic flight caused by a mechanical issue, we were delayed by 25 hours in getting to our destination, which caused us to miss the sailing of an expedition cruise by just 1 hour. Despite having trip interruption insurance and additional coverage for interruption for ANY reason, we found out the hard way that “any reason” doesn’t truly mean any reason.
Their interruption insurance doesn’t start until 72 hours after the initial travel date and doesn’t cover mechanical delays unless they exceed 48 hours. This makes the insurance pretty much useless when you’re trying to catch a cruise. How many cruises does someone catch where the ship leaves after 72 hours of starting travel? Of course, the insurance company is well aware of this and results in fewer claims being paid.
Had these limitations been prominently displayed, I would never have purchased this policy. Instead, they were buried in 1365 words of fine print, which required a thorough search to uncover.
As a result, the policy only paid $1,000 of my $19,000 claim. I’ve been using InsureMyTrip.com for decades without ever needing to make a claim due to a cancellation, but this experience has shown me that when you actually need the insurance, it may not be there for you.
This situation is a prime example of not being forthcoming with critical coverage details. According to the Federal Trade Commission (FTC) guidelines, advertisements must be truthful and not misleading, including the fine print, which should not contradict the main message. The FTC’s Deception Policy Statement specifies that an ad is deceptive if it contains a statement—or omits information—that is likely to mislead consumers acting reasonably under the circumstances and that this information is material to their decision-making process. The lack of clear and conspicuous disclosures in the policy details is a violation of these guidelines, which require that important details not be hidden in fine print or made difficult to understand. Companies must back up their product claims with reliable evidence, and failing to do so can result in significant penalties. Our experience exemplifies the consequences of not being forthcoming with critical coverage details.
I hope this review helps others make more informed decisions and highlights the need for transparency in travel insurance policies.
Their interruption insurance doesn’t start until 72 hours after the initial travel date and doesn’t cover mechanical delays unless they exceed 48 hours. This makes the insurance pretty much useless when you’re trying to catch a cruise. How many cruises does someone catch where the ship leaves after 72 hours of starting travel? Of course, the insurance company is well aware of this and results in fewer claims being paid.
Had these limitations been prominently displayed, I would never have purchased this policy. Instead, they were buried in 1365 words of fine print, which required a thorough search to uncover.
As a result, the policy only paid $1,000 of my $19,000 claim. I’ve been using InsureMyTrip.com for decades without ever needing to make a claim due to a cancellation, but this experience has shown me that when you actually need the insurance, it may not be there for you.
This situation is a prime example of not being forthcoming with critical coverage details. According to the Federal Trade Commission (FTC) guidelines, advertisements must be truthful and not misleading, including the fine print, which should not contradict the main message. The FTC’s Deception Policy Statement specifies that an ad is deceptive if it contains a statement—or omits information—that is likely to mislead consumers acting reasonably under the circumstances and that this information is material to their decision-making process. The lack of clear and conspicuous disclosures in the policy details is a violation of these guidelines, which require that important details not be hidden in fine print or made difficult to understand. Companies must back up their product claims with reliable evidence, and failing to do so can result in significant penalties. Our experience exemplifies the consequences of not being forthcoming with critical coverage details.
I hope this review helps others make more informed decisions and highlights the need for transparency in travel insurance policies.
Richard K. would not
recommend this plan to a friend or relative.
8 of
8 people found this review helpful
The trip included a
cruise
tour
C&F Travel Insured International
FlexiPAX
Excellent guidance and customer service
Kathy R. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
C&F Travel Insured International
FlexiPAX
It's difficult to review an insurance company when one has no experience with how they handle a filed claim. However, one thing that annoyed me a great deal was my wife receiving an email from them 24 hours before our departure, stating that we had no coverage and our policy was not paid for. This was not the case, and after I read the fine print, I saw it was pretty much a "form letter" that did not apply. However, this is not a distraction one needs when packing and preparing to go on an extended trip. Although I had confidence in the company when I purchased the policy, I will probably try someone else on our next trip.
Robert N. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
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