Travel Insurance Reviews for Crum & Forster - Travel Insured International Worldwide Trip Protector

We had a medical situation come up at the last minute (2 weeks before we were to go) and the claim was settled before we would have gotten back from the trip if we went. Outstanding service. I highly recommend this insurance.

Terrible Company. Do not use Travel Insured. During Delta Airlines' total meltdown in late July 2024, our Delta flight was delayed and then cancelled, and we were rebooked by Delta on another airline in a different city the next day. Upon returning from our international trip, I filed with Travel Insured for expenses associated with the delay and have been met with a bureaucratic nightmare.

I have provided Travel Insured with a photo of the gate at our original airport showing that our flight was delayed, a screenshot of Delta's website showing that our flight was cancelled, copies of our boarding passes with Delta for the originally scheduled flight, and boarding passes for the flight we eventually took the next day. This is apparently not sufficient proof to Travel Insured that our flight was delayed.

Travel Insured keeps asking me for a letter from Delta that Delta has told me it won't provide. (I tried getting this letter both through Delta's website and via their customer service phone line.) Travel Insured is asking for copies of meal/lodging receipts I have already sent them. Fortunately, the amount of my claim is not large, so this won't be devastating if, as it seems, I never end up getting paid. I would, however, hate to be in a position where I was out a large sum of money and was relying on Travel Insured to make things whole. I will never, ever insure with them again.

We had to cancel our long-anticipated trip due my wife's poor health, so we filed a claim. Review of the claim took two full months, during which I received multiple requests for the same documents I had already sent, because the people processing these don't bother reading them carefully. Despite a clear record of when and why my wife received care for her condition, our medical claim was rejected. Fortunately we'd paid extra for "cancel for any reason" coverage, and that was applied, otherwise we would have lost everything. So the ONLY aspect of this insurance that's worth a penny is CFAR; the rest is a waste of money (and time).

When we were stuck in JFK airport I tried calling the insured. I ended up being transferred 3 times and then one time they said, we will call back. NO CALL BACK. So we ended up staying at a more expensive hotel within walking distance in lieu of staying at a cheaper hotel and then cab rides back and forth back to the airport the next morning. No difference in repayment for claim. We were exhausted from our international flight arrival and our connecting flight home was cancelled. When we finally found food, we forgot to get a receipt. They would not cover this claim because it was on our credit card statement BUT NOT a receipt that they required. I am very unhappy with C&F Travel Insurance. I will NOT EVER RECOMMEND OR USE THEM based on this poor customer service.

A CLAIM WAS MADE FOR MEDICAL AND TRIP INTERRUPTION COVERAGE.
The claim was paid within 3 months so that was acceptable for a larger claim.
Sadly, the cost of my husband's modest hotel stay WAS NOT covered and excluded for reimbursement. This was a $1500 + loss for us sadly, even tho we had all paid invoices and back up information.
Interestingly, the INSURANCE CO mandated that I remain in Italy for an additional 5 days after discharged from a hospital stay- due to their requirement of medical clearance to fly home. So even tho they DEMANDED we remain in Italy in a hotel - THE hotel charges were NOT REIMBURSED.
This seems "out of sorts" as a family member requires lodging during a travel partner's illness. There lies the reason of my "3" rating, as a whole. It is unfortunate that we pay a significant premium for a travel policy - yet they fail to provide coverage for a "required" charge.

My claim for expenses resulting from a weather delay was processed and paid promptly, but I believe that a huge contributor to that result was my compulsive retention of every conceivable document and communication related to the trip and the delay. The document requests from Travel Insured were voluminous and some were nit-picky, and included producing copies of boilerplate terms and conditions from common carriers, emails, text messages, invoices, receipts, credit card statements to back up the receipts, screen shots of certain information, and even proof that there had actually been a “documented weather event” (the weather delay was caused by a catastrophic rain storm that had made national news, and resulted in a declaration of emergency by the Governor of Florida). My advice — keep copies of literally every communication and document, and screen shots of anything and everything you can’t print out or save as a PDF.