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Travel Insured International
Some TII plans offer primary medical coverage, which can be a significant advantage, especially in emergencies abroad.
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.
Travel Insured International, part of Crum & Forster (C&F) Accident & Health (A&H) division, has been around for more than 30 years and provides comprehensive policies to protect travelers from the unexpected.
Travel Insured International offers three plans, all of which include cancellation and interruption coverage, medical expense coverage, baggage delay and loss and more at a reasonable cost than its competitors.
Travel Insured International offerings
Travel Insured International has three types of plans for individual trips and an option to buy an annual plan to cover multiple trips.
Each plan is similar in what it covers, including trip cancellation, trip interruption, baggage and medical costs, but there are differences in the amounts of coverage and the ability to add cancel for any reason coverage.
- Worldwide Trip Protector Platinum: The top-tier plan with the highest limits and payouts. It also allows you to add Cancel For Any Reason (CFAR) coverage.
- Worldwide Trip Protector Deluxe: This is the middle plan and has lower limits than the Platinum plan. It can also add CFAR coverage.
- Worldwide Trip Protector Essential: This is the lowest-level plan and has even lower coverage limits than the Deluxe plan, with no ability to add CFAR coverage.
The Annual Multi-Trip Protector is fairly bare-bones, covering only things like delays and medical coverage. It does have many options for additional coverage, though, including trip cancellation or interruption and CFAR coverage. The options must be added for each trip you intend to take.
What Travel Insured International travel insurance covers
Travel Insured International travel insurance single-trip plans offer the following types of coverage. Remember, not all plans offer all types of coverage, and coverage limits vary by plan.
- Trip and flights cancellation or interruption: This coverage will reimburse your nonrefundable costs if your trip is delayed or canceled and includes covered reasons like bad weather, natural disasters and illness.
- Trip delay: Reimburses for nonrefundable expenses if your trip is delayed.
- Baggage: Reimburses for losses you incur because of the loss, theft or delay of baggage.
- Medical Expenses: Pays for losses that may happen because of an accident, sickness, medical evacuation or preexisting conditions.
- Optional coverage: Some plans offer optional bundles for CFAR coverage, rental car damage or theft, pet issues, hotel and amusement parks, cruises and more.
🤓 Nerdy Tip
You might want to consider single supplement coverage, which will pay for any additional costs you might incur if the person you are traveling with cancels or has to go home during your trip and you do not. This might come in handy if something affects your traveling companion, but not you. Travel Insured International detailed policy overview
Here’s how the three plans from Travel Insured International (Platinum, Deluxe, Essential) compare to one another.
| Coverage limits | |
|---|---|
| Trip cancellation | Worldwide Trip Protector Platinum: 100% of trip cost. Worldwide Trip Protector Deluxe: 100% of trip cost. Worldwide Trip Protector Essential: 100% of trip cost. |
| Trip interruption | Worldwide Trip Protector Platinum: 150% of trip cost. Worldwide Trip Protector Deluxe: 150% of trip cost. Worldwide Trip Protector Essential: 100% of trip cost |
| Trip delay | Worldwide Trip Protector Platinum: Up to $200 per day, to a maximum of $2,000 Worldwide Trip Protector Deluxe: Up to $150 per day, to a maximum of $1,500. Worldwide Trip Protector Essential: Up to $100 per day, to a maximum of $500. |
| Accident, sickness and medical expenses | Worldwide Trip Protector Platinum: $500,000 (sublimit of $750 for dental expenses). Worldwide Trip Protector Deluxe: $250,000 (sublimit of $750 for dental expenses). Worldwide Trip Protector Essential: $50,000 (sublimit of $750 for dental expenses). |
| Baggage and personal effects | Worldwide Trip Protector Platinum: $2,500 ($250 per article). Worldwide Trip Protector Deluxe: $1,500 ($250 per article). Worldwide Trip Protector Essential: $750 ($250 per article). |
| Baggage delay | Worldwide Trip Protector Platinum: Up to $750 when bags are delayed 3 hours or more. Worldwide Trip Protector Deluxe: Up to $500 when bags are delayed 6 hours or more. Worldwide Trip Protector Essential: Up to $200 when bags are delayed 12 hours or more. |
| Ability to add Cancel For Any Reason coverage | Worldwide Trip Protector Platinum: Yes. Worldwide Trip Protector Deluxe: Yes. Worldwide Trip Protector Essential: No. |
Optional bundles from Travel Insured International
The three plans have different options when it comes to adding coverage. Here’s a look at which bundles are available as part of each plan.
There are some unique options, including:
- A pet bundle that covers trip cancellation or interruption if a pet is sick.
- A theme park bundle that pays out if attractions are closed or it rains.
- A cruise bundle that pays out for cancellation or interruption for a river cruise due to high or low water levels or itinerary changes on other voyages.
| Cancel for any reason | Rental car damage and theft | Pet coverage | Hotel and amusement parks | Cruise | Flight | Baggage | Extreme sports | |
|---|---|---|---|---|---|---|---|---|
| Worldwide Trip Protector Platinum | Yes, up to 75% of non-refundable trip cost. | Yes, up to $50,000. | Yes. | Yes. | Yes. | Yes. | Yes. | Yes. |
| Worldwide Trip Protector Deluxe | Yes, up to 75% of non-refundable trip cost. | Yes, up to $30,000. | Yes. | Yes. | Yes. | Yes. | No. | No. |
| Worldwide Trip Protector Essential | No. | Yes, up to $30,000. | Yes. | Yes. | Yes. | Yes. | No. | No. |
Travel Insured International annual plans
Annual plans with Travel Insured International start with a base policy and have many optional benefits upgrades. Policies are not available to people who live in Missouri, Montana, New York, or Washington.
The base policy includes the following coverage:
- Trip delay.
- Missed tour or cruise connection.
- Medical evacuation and repatriation of remains.
- Political or security evacuation and natural disaster evacuation.
- Baggage and baggage delay.
- Accident and sickness medical expenses.
- Accident death and dismemberment.
Note the base policy does not include any cancellation or interruption coverage, but it is available as an upgrade for each trip you take. CFAR coverage, rental car coverage and additional medical evacuation coverage are also optional upgrades.
What’s not covered by a Travel Insured International plan
Travel Insured International’s policies cover many things, especially if you buy add-on coverage options. There are some exclusions that are nearly universal in the industry.
These include:
- Dangerous activities (unless specifically included).
- Anything while you’re under the influence of drugs and alcohol.
- Acts of war.
- Intentional self-harm.
How much is Travel Insured International travel insurance?
How much does a policy from Travel Insured International cost? Looking at a $1,500 weeklong trip to Mexico for a 45-year-old man from Illinois, the cheapest Worldwide Trip Protector Essential plan costs $61.
That policy includes 100% trip cancellation and interruption coverage, $500 in baggage delay coverage and $200,000 in emergency medical evacuation.
Upgrading to the Deluxe plan costs an additional $10 for a total of $71. The Platinum plan with the same terms costs $97.
If you want to add CFAR coverage, only the Platinum plan allows that, and the cost jumps to $147. Other add-ons are available for some plans and will increase the price.
How Travel Insured International compares to its competitors
NerdWallet compared travel insurance companies based on costs, coverage limits and more to find the best options. Travel Insured International ranked highly in several categories.
| Company | Star rating | Basic plan cost | Premium plan cost | Generate a quote |
|---|---|---|---|---|
| Berkshire Hathaway Travel Protection | | $26. | $75. | |
| Tin Leg | | $36. | $188. | |
| WorldTrips Travel Insurance | | $47. | $66. | |
| World Nomads | | $63. | $115. | |
| Trawick International | | $100. | $194. | |
| AXA Assistance USA | | $114. | $159. | |
| AEGIS (GoReady) Travel Insurance | | $139. | $208. | |
| HTH Travel Insurance | | $146. | $233. | |
| Seven Corners | | $154. | $225. | |
| Travel Insured International | | $164. | $218. | |
| Allianz Global Assistance | | $166. | $291. | |
| USI Affinity Travel Insurance Services | | $169. | $297. | |
| AAA | | $183. | $222. | |
| IMG | | $183. | $252. | |
| Travel Guard | | $135. | $236. | |
| Arch RoamRight | | $202. | $225. | |
| These star ratings are based on a separate analysis of each travel insurance provider’s offerings. For more detailed scoring, see our recommendations for the best travel insurance companies, read each individual provider's NerdWallet review or view our methodology at the end of this article. Pricing is subject to change based on your specific trip details. You can verify the latest price by clicking through to Squaremouth (a NerdWallet partner). | ||||
How to buy a Travel Insured International policy
Travel Insured International makes it relatively simple to compare plans on its website.
Input some basic information about your travel plans and it will produce a quote for each of its three plan options.
From there, you can select any available add-ons and then purchase directly from the quote. The main things you’ll need to consider when deciding which plan to purchase is how high you want the coverage limits to be and if you want the ability to add CFAR coverage.
Does Travel Insured International offer 24/7 travel assistance?
Yes. Every plan includes what Travel Insured International calls Traveler Support Services, and it’s available worldwide to offer help with things like trip planning assistance or help with a medical emergency.
How to file a claim with Travel Insured International travel insurance
Travel Insured International’s claims process is online. It begins with initiating a claim on the website, filling out some forms and uploading documentation using step-by-step instructions.
The company will review the claim and ask for any follow-up information it needs.
If the claim is payable, Travel Insured International will mail a check to the claimholder or will initiate the process for an electronic payment. If the company denies the claim, a representative will contact the policyholder to discuss findings.
Is Travel Insured International travel insurance worth it?
Travel Insured International travel insurance can definitely be worth it.
Having to cancel or interrupt a trip is bad enough, but having to pay a hefty financial cost makes things worse.
Travel protection begins even before you leave home with things like cancellation and delay coverages.
Once you’re traveling, the coverage will kick in if you have to interrupt your trip, have a delay getting somewhere and you miss things you had already paid for, lose your baggage or if you get sick.
Star rating methodology
Travel insurance rating and review methodology
Travel insurance
NerdWallet's ratings for travel insurance companies take into account the following details about each insurer:
- Scope of coverage.
- Customizability.
- Consumer experience and complaints.
- Cost.
The best travel insurers excel in all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and allow customers to customize plans to meet their coverage preferences. They're also able to keep their customers happy throughout the relationship.
Data collection and review process
NerdWallet collects over a dozen data points for each insurer we analyze from their public-facing websites and third-party analyses. These data points are then compared against one another and against NerdWallet's standards for good travel insurance companies to determine a star rating.
Data is collected on a regular basis and reviewed by our editorial team for consistency and accuracy. Final star ratings are presented on a scale of one to five stars, where a one-star score represents "poor" and a five-star score represents "excellent."
The reviews team
The writers and editors behind NerdWallet's travel insurance reviews are insurance specialists who have had their work featured by or appear in The Associated Press, The Washington Post, The New York Times, the Chicago-Sun Times, U.S. News & World Report and the Society for Advancing Business Editing and Writing. Each writer and editor follows NerdWallet’s strict guidelines for editorial independence.
In addition to travel insurance, the team covers travel rewards programs, airlines and hotels.
Rating specifics
Our star ratings are weighted based on our editorial and professional opinions. We use the following weightings when rating travel insurers:
- Scope of coverage (25%).
- Customizability (25%).
- Consumer experience and complaints (25%).
- Cost (25%).
Scope of coverage ratings are based on assessments of a company’s standard protections, including:
- Travel medical insurance.
- Trip cancellation.
- Trip interruption.
- Trip delay.
- Baggage and personal belongings, lost luggage.
- Emergency medical assistance.
- Emergency medical evacuation.
- Emergency medical repatriation.
- Accidental death and dismemberment insurance.
- Rental car coverage.
Customizability ratings factor in whether coverage limits are fixed prices or a percentage of the trip cost (the percentage is generally better), whether a policy has customizations available, and the number of bonus features.
- 24-hour assistance.
- Pre-existing medical conditions coverage.
- Extreme sport coverage.
- CFAR add on availability.
- Travel health insurance.
- Interruption for Any Reason.
- Travel Inconvenience.
- Cancel for Work Reasons.
- Electronics coverage.
Consumer experience ratings are based on provider reviews on Squaremouth.com. If the company is not in the Squaremouth database, we default to Google reviews.
Affordability ratings are based on the percentage of total trip cost a plan costs a policyholder. Less than 4% is considered excellent, whereas over 9% is considered poor.
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