Travel Insured International Review: Is it Worth The Cost?

Travel Insured International is a good option if you're looking for the ability to add coverages a la carte.
Carissa Rawson
Elina Geller
By Elina Geller and  Carissa Rawson 
Updated
Edited by Kevin Berry

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

insurance-product-card-logo

Travel Insured International

4.0

NerdWallet rating 
Compare Rates
at SquareMouth

Pros

  • Annual or single-trip policies are available.
  • Higher-level plan include optional add-ons for event tickets and for electronic equipment
  • Rental car protection add-on for just $8 per day, even on lower-level plan.

Cons

  • Many of the customizations are only available on the higher-tier plan.
  • Coverage cost comes in above average in our latest analysis.
insurance-product-card-logo
Compare Rates
at SquareMouth

Travel Insured International

4.0

NerdWallet rating 

Pros

  • Annual or single-trip policies are available.
  • Higher-level plan include optional add-ons for event tickets and for electronic equipment
  • Rental car protection add-on for just $8 per day, even on lower-level plan.

Cons

  • Many of the customizations are only available on the higher-tier plan.
  • Coverage cost comes in above average in our latest analysis.

When thinking about your next vacation, giving some thought to travel insurance can make a lot of sense. It can protect you in case something goes wrong, not to mention give you peace of mind. One travel insurance provider to consider is Travel Insured International, a company with over 25 years in this space. In 2015, it was acquired by Crum & Forster, a 200-year-old specialty and standard insurance provider.

Here’s what you need to know about Travel Insured International.

What does Travel Insured International cover?

Travel Insured International offers four plans to choose from: Worldwide Trip Protector Plus, Worldwide Trip Protector, Worldwide Trip Protector Lite and Travel Medical Protector.

The plans include trip cancellation, trip interruption/delay, medical protection, baggage protection, rental car coverage and cancel-for-any-reason coverage.

Travel Insured International also allows you to upgrade certain elements of your policy through add-ons including: cancel for work reason, flight accident, medical, rental car damage, primary coverage and travel benefits.

Travel Insured International single trip plan costs

To see how the policies shake out, we input a $3,000, three-week trip to Mexico by a 45-year-old resident of Alaska:

Coverage

Worldwide Trip Protector Plus

Worldwide Trip Protector

Worldwide Trip Protector Lite

Travel Medical Protector

Trip cancellation

100%.

100%.

100%.

-

Reimbursement of miles or reward points

$250.

$250.

$250.

-

Cancel for any reason (CFAR)

75% of trip cost.

-

-

-

Trip interruption

150%.

150%.

100%.

$5,500.

Travel delay

$1,000 ($200 daily limit / minimum 6-hour delay required).

$1,000 ($200 daily limit / minimum 6-hour delay required).

$300 ($100 daily limit / minimum 12-hour delay required).

$1,000 ($200 daily limit / minimum 6-hour delay required).

Missed connection

$500 after 3 hours.

$500 after 3 hours.

$300 after 12 hours.

-

Change fee coverage

$250.

$250.

$250.

-

Itinerary change

$500.

$500.

-

-

Interrupt for any reason

75% of trip cost.

-

-

-

Accident & sickness medical expense

$100,000.

$100,000.

$10,000.

$50,000.

Emergency medical evacuation and repatriation

$1 million.

$1 million.

$100,000.

$1 million.

Accidental death and dismemberment (AD&D) 24 hour

$10,000.

$10,000.

-

-

Air flight only AD&D

-

-

-

$50,000.

Baggage & personal effects

$1,000.

$1,000.

$750.

$1,000.

Baggage delay

$300 after 12 hours.

$300 after 12 hours.

$200 after 24 hours.

$300 after 12 hours.

Rental car damage

$50,000.

-

-

-

Non-medical emergency evacuation

$150,000.

$150,000.

-

$150,000.

Policy cost

$216.00.

$144.00.

$109.00.

$73.50.

% of trip cost

7.20%.

4.80%.

3.63%.

2.45%.

The Worldwide Trip Protector Plus plan ($216) and the Worldwide Trip Protector plan ($144) are nearly identical in the benefits offered, with both providing 100% trip cancellation, 150% trip interruption, $1,000 travel delay, $1 million in medical evacuation, $100,000 for medical expenses and many other benefits.

The primary difference between the two plans is that the more expensive option includes CFAR coverage and interrupt-for-any-reason coverage.

  • CFAR allows you to cancel a trip for nearly any reason and receive up to 75% of your nonrefundable deposit back (so long as you cancel within 48 hours before departure and you add all of your travel arrangements to your trip within 21 days of payment). This is a great option for those who have nonrefundable reservations and want the flexibility to cancel a trip on the fly.

  • IFAR allows you to interrupt your trip for any reason as long as it is 72 hours or more after you’ve departed. If you use this benefit, you will receive a refund of up to 75% of your nonrefundable and unused land or water travel arrangements. This could be useful coverage if you decide to cut your trip short and the reason for interruption is not considered a covered reason as per the policy.

If you value these two benefits, you’d want to go with the more expensive Worldwide Trip Protector Plus plan.

The Worldwide Trip Protector Lite plan ($109) offers 100% trip cancellation coverage, 100% trip interruption, $300 travel delay, $100,000 medical evacuation and repatriation and $10,000 for medical expenses and other benefits.

The limits offered by this plan are lower; however, if you’re only looking for trip cancellation benefits and the medical coverage is sufficient for you, this policy could make sense.

The Travel Medical Protector plan ($73.50) focuses mostly on providing benefits surrounding medical care, with $1 million for medical evacuation and repatriation, $50,000 for medical expenses, $150,000 for non-medical evacuation and $5,000 for trip interruption.

This policy could be a good choice for someone who doesn't need trip cancellation benefits. Additionally, if you have a premium travel card that offers trip cancellation insurance (like the Chase Sapphire Reserve® or The Platinum Card® from American Express) and the limits are sufficient, a standalone medical plan might be enough to provide adequate coverage for your trip.

Additional options and add-ons

Optional Add-ons

Worldwide Trip Protector Plus

Worldwide Trip Protector

Worldwide Trip Protector Lite

Travel Medical Protector

Cancel for work reason

-

-

Cost: $24/traveler.

-

Flight accident

Cost: $8/traveler; Coverage limit: $100,000.

Cost: $8/traveler; Coverage limit: $100,000.

Cost: $8/traveler; Coverage limit: $100,000.

-

Medical

-

-

Cost: $25/traveler.

Cost: $1.47; Coverage limit: $100,000.

Rental car damage

-

Cost: $7/day; Coverage limit: $50,000.

Cost: $7/day; Coverage limit: $25,000.

-

Primary coverage upgrade

-

Cost: $25/traveler.

-

-

Travel benefits upgrade

Cost: $35/traveler.

Cost: $35/traveler.

-

-

These add-ons are a great way to improve limits on specific items of coverage. For example, for $35 per person, the Worldwide Trip Protector Plus plan and the Worldwide Trip Protector plan let you double your trip delay, missed connection, baggage delay and baggage and personal effects limits.

For $24 per person, the Worldwide Trip Protector Lite plan allows you to add a cancel-for-work-reason benefit. Cancel for work reason would permit you to cancel a trip if it's related to work. The reason will need to satisfy the conditions of the policy, but if this is a benefit you’d like to have, it's good to know it's available.

Can you buy Travel Insured International online?

To see which policies are available in your state, head over to the Travel Insured International website. You will need to input your destination, your residence, your trip dates and the number of travelers. Then click “Get a Quote.”

Once you select “View Quote,” you will see a list of plans to choose from based on your state of residence and trip details.

What’s isn't covered by Travel Insured International?

Though all of the above plans offer varying levels of coverage, not everything will be covered, including:

  • Being scared to travel. Unless you have the CFAR add-on, you can only cancel your trip for a covered reason under the policy. Being nervous about your travels is not a covered reason, so if you’d like ultimate flexibility, you’d want to choose the Worldwide Trip Protector Plus plan.

  • Baggage loss for eyeglasses, contact lenses, hearing aids or orthodontic devices. Keep these items with you in a carry-on or backpack because a Travel Insured International policy won’t cover them.

  • Certain events. General exclusions not usually covered by insurers won't be covered here either. Example events include self-harm, war, participating in dangerous activities (e.g., skydiving), committing a felony or getting into an accident while intoxicated. You’ll need to review the policy's fine print to know exactly what is and isn’t covered.

Frequently asked questions

Travel Insured International has been offering insurance for over 25 years. They're owned by Crum & Forster, a stand insurance provider that has been in business for 200 years. Travel Insured International is well established and offers four plans to fit many different needs.

Plan benefits offered by Travel Insured International include trip cancellation or interruption, mileage or rewards reimbursement, Cancel For Any Reason (CFAR) or Interrupt For Any Reason, travel delay, missed connection, change fee coverage, itinerary change, accident & sickness medical expense, baggage delay, rental car damage and more. Each plan is different and has the option for add-ons.

Yes, the Worldwide Trip Protector Plus plan covers Cancel For Any Reason (CFAR). You receive up to 75% of your nonrefundable deposit back as long as you cancel within 48 hours before departure and you add all of your travel arrangements to your trip within 21 days of payment.

Most often, you will need to file a claim after you’ve incurred costs. Travel Insured International strongly recommends filing online. You can then check the status of your claim in your portal. If your claim is approved, you will receive a reimbursement. In some instances, the insurer pays a fixed fee for any claims.

The cost of travel insurance through Travel Insured International will vary depending on a variety of factors. This can include:

  • Your trip length.

  • What state you live in.

  • Where you’re going.

  • What type of activities you’re engaging in.

  • How old you are.

  • The coverage levels that you select.

Yes. Travel Insured International can provide you with either a single-trip policy or an annual insurance plan for international or domestic travel. You also have the option to add on customized per-trip benefits to your selected policy.

Travel insurance can provide peace of mind while you’re on vacation, especially if you’re worried about changes, cancellations or other mishaps occurring. However, before you go in on a policy, you’ll want to double check if you already have coverage through your credit card.

You can also find travel insurance from multiple providers by getting a quote from insurance aggregators like Squaremouth or InsureMyTrip. This will allow you to compare different coverage levels and pricing from a variety of companies.

Is a Travel Insured International policy worth it?

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 Lite plan is a good choice. Those seeking medical coverage can consider the Travel Medical Protector plan.


How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:

Cards for Travel Insurance from our Partners
Chase Sapphire Reserve Credit Card

on Chase's website

Chase Sapphire Reserve®
5.0
NerdWallet Rating
Rewards rate

1x-10x

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

Points

Intro offer

60,000

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

Points
Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Preferred® Card
5.0
NerdWallet Rating
Rewards rate

1x-5x

5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

Points

Intro offer

60,000

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Points
Chase Southwest Rapid Rewards® Plus Credit Card

on Chase's website

Southwest Rapid Rewards® Plus Credit Card
4.2
NerdWallet Rating
Rewards rate

1x-2x

Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

Points

Intro offer

30,000

Limited-time offer: Earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening.

Points
See more cards
Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.