Travel Insured International Review: Is it Worth The Cost?

Travel Insured International offers two comprehensive plans for travelers, plus the opportunity to purchase an annual policy.

With the ability to add on a variety of coverages, Travel Insured International is a good option for those wanting more control over their plans. It’s a little more expensive than average but is easy to use and features transparent pricing, making it an appealing choice for those looking for simplicity when purchasing a travel insurance policy.

In business since 1994, Travel Insured International offers insurance policies to travelers. Travel Insured International is owned by Crum & Forster, which has an A (excellent) financial strength rating by AM Best, a company that specializes in ranking insurance businesses.

Travel Insured International travel insurance coverage is comprehensive, which means you can expect a full suite of benefits when you purchase a plan. This includes Travel Insured International travel insurance medical coverage as well as other common coverages, such as trip delay insurance and luggage insurance.

• Trip cancellation and trip interruption: Reimburses prepaid, nonrefundable costs if your trip is canceled or interrupted for a covered reason. 

• Travel Insured International health insurance coverage: Covers accidents and illnesses that occur during your trip. 

• Emergency evacuation: Pays for the cost of an emergency evacuation to get medical care. 

• Baggage insurance: Covers the cost to purchase new items or replace the ones that are lost in the event your luggage is delayed or lost.  

Add-on options

Travel Insured International offers lots of customization options for travelers, though the more expensive Worldwide Trip Protector policy has more choices.

Worldwide Trip Protector Edge

• Cancel for work reasons.

• Flight accident coverage.

• Emergency medical upgrade.

• Rental car insurance. 

Worldwide Trip Protector

• Cancel For Any Reason (CFAR).

• Electronic equipment coverage.

• Event ticket registration fee protection.

• Flight accident coverage.

• Interruption For Any Reason (IFAR).

• Rental car insurance.

• Travel inconvenience coverage. 

Travel Insured International’s policies are pretty comprehensive, especially when you factor in add-on options, but there are some exclusions that are nearly universal. These include:

• Dangerous activities (unless specifically included).

• Anything while you’re under the influence of drugs and alcohol.

• Known storms (those that already have a name).

• Acts of war.

• Intentional self-harm. 

On a five-star scale, NerdWallet rated Travel Insured International four stars. This makes it one of the better options among the companies we surveyed and puts it on par with competitors TravelSafe, HTH Travel Insurance and Travelex.

How much does Travel Insured International travel insurance cost? A sample trip for a 36-year-old traveler from Indiana to Canada for five days found that the cheapest Travel Insured International plan cost $164. If you were to spring for the premium plan, which increases your coverage limits, expect to pay $218.

Other providers charged anywhere from $10 to $202 for their basic plan for the same sample trip. Note that price isn't the only differentiating factor. Travel insurance cost and coverage are not identical across plans; each company offers various levels of scope, limits and exclusions.

Purchasing a Travel Insured International policy can easily be done online. In fact, you don’t even need to create a quote to compare plans and their coverage levels. Travel Insured International’s plan page will give you all the important information you need to make an informed decision.

Once you’ve looked at the differences between plans, navigate to Travel Insured International’s homepage to generate a quote.

You’ll need to input your trip information, as well as your age and state of residence to get a quote. Travel Insured International will then show you the cost of each plan:

From there, you can select a plan and go through the checkout process. After you’ve paid, your coverage begins.

Consider comparison shopping

If you're not 100% sold on purchasing a plan from Travel Insured International, you can use a travel insurance aggregator to compare policies across multiple companies at once.

Selecting a Travel Insured International plan is easy since there are only two. You’ll simply need to decide whether you want higher coverage limits and the ability to add on more customizations or if you’d prefer the less expensive, but still comprehensive, plan.

Yes, Travel Insured International offers 24/7 travel assistance. You can call:

• Within the U.S. and Canada: 800-494-9907.

• Abroad: 1-603-328-1707. 

Filing a claim through Travel Insured International can be done online. To do so, you’ll want to navigate to Travel Insured International’s claim page. From here, you can submit your claim as well as view the status of any existing claims.

Is Travel Insured International travel insurance good? It’s more expensive than many of its competitors, but a Travel Insured International policy does grant you the opportunity to customize your plan — and with benefits you don’t often see elsewhere. If this is valuable to you, a Travel Insured International plan could definitely be worth it for you.

If you’re heading on a major international vacation and you don’t have a premium travel credit card with sufficient limits, considering a Travel Insured International insurance policy could be a good bet.

The CFAR and IFAR options are solid benefits for those who want ultimate flexibility — especially since you can add coverages like these a la carte. If you’re looking for fewer benefits with lower limits, the Worldwide Trip Protector Edge is a good choice, while those wanting more customization options may want to consider the Worldwide Trip Protector plan.