Travel Insurance Reviews Crum & Forster - Travel Insured International
Founded in 1994 and based in Connecticut, Crum & Forster - Travel Insured International focuses exclusively on travel insurance and provides the most useful types of coverage and the most specialized level of service. Crum & Forster - Travel Insured International is committed to providing dependable coverage, great value, and end-to-end satisfaction.
Learn more about Crum & Forster - Travel Insured International.
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector
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.
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.
zenon s. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
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
Fortunately I didn't have to use the insurance so I can't speak to the claims process.
Karen K. would
recommend this plan to a friend or relative.
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector
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.
Ronald W. would
recommend this plan to a friend or relative.
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
Thankfully we had no reason to submit a claim. Others on our trip had trouble with lost or late luggage delivery due to severe weather and flooding in Switzerland, but fortunately we were unaffected. I'm glad that we had the coverage because we easily could have been impacted and then would have needed the insurance. I will definitely consider purchasing C&F insurance before my next international trip.
Michael L. 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
The trip included a
cruise
tour
C&F Travel Insured International
FlexiPAX
We had a misconnection but the airline did not respond to any claims or attempts to book us on time. We claimed additional expenses and unrefundable cost. The Travel Insured site was easy to use to load evidence, the follow up questions were fast and easy to understand and the claim was approved and disbursed very quickly. I wouls recommend and will purchase again.
Irelia N. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
C&F Travel Insured International
FlexiPAX
Having the plan was basically for peace of mind knowing if a problem medically arose I would be covered any way I looked at it. Technically I did not need it due to being covered through my credit card company. I had know this I probably would not have purchased it! However, for the low price it still was good to know that I would have been covered. A fact also is Albania has universal health care for everyone in the country, even travellers!
Richard E. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
C&F Travel Insured International
FlexiPAX
offers peace of mind to travel at a minimum cost.
Lawrence S. would
recommend this plan to a friend or relative.