Travel Insured International Travel Insurance Review 2024

Travel Insured International’s policies include core benefits that can provide a financial safety net for pre- and post-departure disruptions. The types of travel insurance benefits included in each policy may vary.

• Trip cancellation insurance: If you need to cancel your trip due to unforeseen events listed in your policy, trip cancellation insurance reimburses you for prepaid and nonrefundable travel expenses.
• Travel medical insurance: Travel medical insurance pays for emergency medical expenses if you get sick or are injured during your trip. Covered expenses may include hospital bills, lab work and prescriptions, up to your policy’s limit.
• Emergency medical evacuation: Emergency medical evacuation insurance helps pay the cost of emergency transportation if you get sick or injured while traveling and need immediate transportation to the nearest medical facility that can treat your condition.
• Travel delay insurance: If your trip gets delayed due to a problem listed in your policy—such as inclement weather—travel delay insurance reimburses you for necessary costs, such as a hotel room for an overnight layover. It also covers prepaid and nonrefundable costs for portions of the trip you miss due to the delay.
• Travel interruption insurance: Trip interruption insurance covers the cost of a last-minute flight home if there’s an emergency and you need to come home early. It also reimburses you the money you lose on nonrefundable activities and travel expenses.
• Baggage and personal effects: If your luggage is stolen, lost, or damaged, baggage insurance can reimburse you for the depreciated value of your suitcases and what you packed, up to your policy limits. Baggage delay insurance can help pay the cost of personal essentials if your suitcase shows up late to your destination after the required waiting period.

Travel Insured International offers three travel insurance plans that are suitable for different travel needs and budgets.

Coverage type	Worldwide Trip Protector	Worldwide Trip Protector Edge	Annual Multi-Trip Protector
Trip cancellation	100% of insured trip cost	100% of insured trip cost	Optional
Trip interruption	150% of insured trip cost	100% of insured trip cost	Optional
Frequent traveler reward	$250	$250	N/A
Emergency medical expense per person	$100,000	$10,000 (option to upgrade to $40,00)	$100,000 per trip
Medical evacuation per person	$1,000,000	$100,000 (option to upgrade to $200,000)	$100,000 per trip; two occurrences per plan term
Travel delay per person	$200 per day; six-hour delay; up to $1,500	$100 per day; 12-hour delay; up to $300	$200 per day; 12-hour delay; up to $5,000 per trip
Change fee	$250	$250	No
Missed tour/cruise connection	Up to $500; three-hour delay	Up to $300; 12-hour delay	$500 per trip
Itinerary change	$500	No	No
Baggage and personal effects per person	$1,000	$750	$2,500 per trip
Baggage delay per person	$500; three-hour delay	$200; 12-hour delay	$750 per trip; three-hour delay
AD&D per person	$10,000	N/A	$50,000 per trip
“Cancel for any reason”	Optional	No	Optional
“Interruption for any reason”	Optional	No	No
Travel inconvenience	Optional	No	Optional
Pet kennel coverage	$50 per day; up to $500	No	No
Rental car damage/theft coverage	Optional	Optional	Optional
Political/security and natural disaster evacuation	Up to $150,000	No	$150,000 per trip; two occurrences per plan term
Pre-existing medical condition exclusion waiver available	Yes	Yes	Yes

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Travel Insured International sells two single-trip policies: Worldwide Trip Protector and Worldwide Trip Protector Edge.

These plans provide compensation for trip delays, trip interruptions, medical expenses and evacuation, baggage delays, change fees and more.

The Worldwide Trip Protector policy has significantly higher coverage limits for travel medical expenses and emergency medical evacuation than the Worldwide Trip Edge plan. You can also buy cancellation and interruption upgrades for the Protector plan that are not available for the Edge plan.

Travel Insured International’s annual travel insurance policy is called Annual Multi-Trip Protector.

This policy provides coverage that applies to all the trips you take during the policy term. It Includes travel medical expense insurance and medical and non-medical evacuation insurance, along with other standard post-departure benefits. “Cancel for any reason,” travel inconvenience and rental car coverage upgrades are available for an extra charge.

What you pay for travel insurance generally varies by your age, trip cost and the type of plan you purchase. Here are examples of prices for the Travel Insured’s Worldwide Trip Protector plan.

Travelers and trip	Cost per trip for Travel Insured International’s Worldwide Trip Protector policy
Two travelers age 30, $3,000 trip cost, traveling to Mexico for 8 days	$140
Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days	$378
Family with two parents age 40 and two children, $15,000 trip cost, traveling to Italy for 17 days	$456
Family with two parents age 40 and two children, $15,000 trip cost, traveling to France for 17 days	$456
Family with two parents age 40 and two children, $15,000 trip cost, traveling to U.K. for 17 days	$456
Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days	$438
Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 8 days	$268

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The best Travel Insured International travel insurance policy for you depends on the type of trip you’re taking, how much you want to be compensated for incidents that can spoil your trip and your budget.

Low Cost and Lower Limits

The Worldwide Trip Protector Edge plan is more budget-friendly than the Worldwide Trip Protection plan, but it provides less coverage. Still, it checks all the boxes for core types of benefits that you need if things go awry before or during your trip. The Protector Edge plan can be a good fit if low medical expenses and emergency evacuation limits are sufficient for you. It’s also worth checking out if you’re not concerned about canceling your trip for reasons other than those listed in your policy.

Most Generous Benefits

If you’re looking for more financial protection, the Worldwide Trip Protector plan is a better option, with higher coverage limits across the board. You also get pet kennel and non-medical evacuation benefits, which are not included in the Edge plan. “Cancel for any reason” and “interruption for any reason” benefits are also available as upgrades to the Trip Protector plan.

For Multiple Trips

If you take multiple trips per year, consider the Annual Multi-Trip Protector policy. Coverage begins the day after you buy your policy, and lasts 364 days. The maximum length for any one trip is 45 days, but there’s no limit on the number of trips you can take within your coverage period.

Yes, you can purchase Travel Insured International plans online. Visit the company’s website and start the process of getting a quote. You’ll need to provide your trip dates, your home state, and the amount of money you’ve spent on the trip. You can choose to apply for a one-trip plan or an annual plan.

Once you are matched with plans, you’ll see the quoted prices based on the details you submitted. Select the best plan for your needs, then choose any optional add-ons. After you see the final cost, you can enter your payment information and purchase the plan.

All travel insurance policies have some exclusions. However, the specific exclusions depend on the plan. As an example, here are some of the medical exclusions under Travel Insured International’s Worldwide Trip Protector plan:

• Elective procedures and treatments.
• Injuries or accidents while participating in extreme activities or adventures.
• Intentional self-harm.
• Losses or expenses that occur due to intoxication with drugs or alcohol.
• Mental health and nervous disorders, unless it requires partial or full hospitalization.
• Routine physical exams and dental care.
• Traveling for the purpose of medical tourism.
• Losses or expenses that occur while piloting an aircraft or learning how to fly an airplane.

One of the biggest benefits of Travel Insurance International is that you can customize your travel insurance plan with various add-ons and upgrades. These add-ons will raise the price of your plan, but they provide reimbursement beyond what the standard plan includes.

Here are some of the optional add-ons you can get through Travel Insured International:

• Additional accident and sickness medical expense: This rider allows you to increase your policy limit for emergency medical and dental care beyond what the plan typically provides.
• Additional medical evacuation: This add-on will double your policy limit for medevac during your trip.
• “Cancel for any reason” upgrade: This add-on allows you to cancel a trip for any reason that is not covered under your policy. “Cancel for any reason” travel insurance compensates 75% of your prepaid, nonrefundable trip costs, as long as you cancel at least 48 hours before your departure time.
• Cancel for work reasons: If you need to cancel your trip due to a work-related reason, this add-on will refund you for prepaid, nonrefundable expenses.
• Electronic equipment coverage: You can add electronic equipment coverage to your baggage and personal effects insurance to get coverage for certain electronics that are lost, damaged, or stolen in your luggage.
• Event ticket registration fee protection: If you purchase an event ticket and can’t attend for a covered reason, this add-on will reimburse you for the money you spent.
• “Interruption for any reason” upgrade: “Interruption for any reason” travel insurance reimburses you up to 75% for prepaid, nonrefundable trip expenses if you have to cut a trip short. You must cancel at least 72 hours into your trip for benefits to apply.
• Rental car damage: This covers theft of your rental car and damage to your rental car due to severe weather, accidents, vandalism and other unforeseen events listed in your policy.
• Travel inconvenience: With this add-on, you can recoup money for unforeseen circumstances that impact your trip, such as closed attractions, canceled events, rainy weather, tarmac delays and more.

All of Travel Insured International’s travel insurance plans include 24/7 assistance at no extra cost. The company’s customer service team can help you with medical treatment referrals, translation services, lost baggage retrieval, passport replacement and visa information, and more.

If you need emergency travel assistance, you can call (800) 494‑9907 in the U.S. or Canada, and (603) 328‑1707 outside the U.S. and Canada.

Travel Insured International encourages customers to file claims online. To start the claim process, you’ll need to provide a detailed summary of what happened and provide proof of the claim, such as nonrefundable airline tickets, medical records and proof of payment for missed excursions. Once the claim is submitted, you can check the status online.

If you have any questions about filing a claim or need assistance, you can contact Travel Insured International’s claim department by calling (855) 752-8303 or emailing claims@travelinsured.com

Forbes Advisor researched and analyzed 39 policies to find the best travel insurance. When companies had more than one travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.

Cost (25% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:

• Couple, age 30 for a Mexico trip costing $3,000.
• Couple, age 40, for an Italy trip costing $6,000.
• Family of four for an Italy trip costing $15,000.
• Family of four for a France trip costing $15,000.
• Family of four for a U.K. trip costing $15,000.
• Couple, age 65, for an Italy trip costing $6,000.
• Couple, age 70, for a Mexico trip costing $3,000.

Missed connection coverage (10% of score): Travel insurance policies were awarded more points if they include missed connection benefits of $1,000 per person or more.

Medical expenses (10% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.

Medical evacuation (10% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.

“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.

Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.

Cancel for work reasons: (5%): Travel insurance plans that allow cancellations for work reasons were awarded points.

Hurricane and weather (5%): Policies received points if the required waiting period for hurricane and weather coverage was 12 hours or less.

“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.

Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).

Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.

Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.