Travel Insured International Review

By Damian Tysdal, licensed travel insurance agent since 2006 · Updated 29 September 2026

★★★★★5 out of 5

One plan, FlexiPAX, that you build up with add-ons. Our top pick for most trips abroad and for cruises, with a 21-day waiver window.

Good for

Most trips abroad and cruises: FlexiPAX carries $100,000 of primary medical and $500,000 of evacuation
Families, since one child 17 and under travels free with each insured adult ($142 for a family of four on our cruise test)
Anyone who wants to choose their own add-ons: cancel for any reason and interruption for any reason at 75 percent, rental car damage

Not for

Anyone who wants the biggest medical limit, since Tin Leg Gold and Seven Corners Choice carry $500,000
Anyone who missed the 21-day window and wants cancel for any reason, since the add-on has the same window
Anyone buying direct from Travel Insured expecting FlexiPAX: their own site leads with Worldwide Trip Protector, which is not on the comparison

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At a glance

Plan	Emergency medical	Evacuation	Cancel for any reason	Waiver window
FlexiPAX	$100,000 primary	$500,000	Add-on, 75% back	21 days
FlexiPAX with add-ons	$100,000 primary	$500,000	Add-on, 75% back	21 days

Price FlexiPAX first for any trip abroad. Add cancel for any reason only if you would truly use it. The base plan already covers the things that usually go wrong.

Top reasons to buy

FlexiPAX is our best overall pick for 2026: $100,000 of primary medical, $500,000 of evacuation, interruption at 150 percent, and a 21-day waiver window, the longest of the big sellers.
Kids are free: one child 17 and under per insured adult. A family of four paid $142 on our Bahamas cruise test.
Employment layoff is covered after only a one-day wait, and the hurricane cover starts at a 12-hour carrier delay.

Flaws but not dealbreakers

The medical limit is $100,000. That is enough for most trips, but Tin Leg Gold and Seven Corners Choice carry $500,000 for a similar price.
Baggage limits are on the low side: $1,000 lost, $300 delayed.
The Worldwide Trip Protector plans on Travel Insured's own site are not sold on the comparison, so do not expect to see Deluxe or Platinum here.

Bottom line

FlexiPAX is the plan I point most people to first. It is well priced, the medical pays first, the waiver window is generous, and kids are free. Add cancel for any reason if you want it. This is a five-star company that pays claims, and it paid mine.

What Travel Insured sells on CoverTrip

Travel Insured International has sold travel insurance since 1994 from Glastonbury, Connecticut. It is owned by Crum & Forster, an insurer with a 200-year history, and its plans are underwritten by United States Fire Insurance Company, rated A+ by AM Best.

On the comparison Travel Insured sells one plan, FlexiPAX. You start with the base plan and add what you want. That is different from the old days, when Travel Insured sold Worldwide Trip Protector in three tiers. Those tiers still exist on Travel Insured's own site, but they are not on the comparison, and this review is about what you can buy here.

What FlexiPAX covers

FlexiPAX pays 100 percent of your trip cost if you cancel for a covered reason and 150 percent if the trip is interrupted. Emergency medical is $100,000 per person and primary, so Travel Insured pays first. Medical evacuation is $500,000, and non-medical evacuation is $50,000.

Travel delay pays $1,000 per person, $150 a day, after six hours. Baggage delay pays $300 after six hours. Lost bags pay $1,000 with a $250 per-item limit. Missed connection pays $500 after three hours. Identity theft help is included.

Hurricanes: a common carrier delay of 12 hours, a mandatory evacuation, your lodging being made uninhabitable, and a hurricane warning under conditions. You have to buy before the storm is named.

Financial default of a travel supplier is covered after a 14-day wait. Employment layoff is covered after a one-day wait if you have had the job for a year. Terrorism is covered at home and abroad.

The add-ons

Cancel for any reason pays 75 percent of your trip cost. You have to add it within 21 days of your first deposit and cancel at least two days before you leave. On our couple's trip to Italy it took the price from $456 to $694.
Interruption for any reason pays 75 percent if you cut the trip short for a reason the plan would not normally cover.
Cancel for work reasons covers cancelling because your employer will not let you go.
Rental car damage covers the rental car itself.

Pre-existing conditions

FlexiPAX includes the pre-existing condition waiver if you buy within 21 days of your first trip deposit and insure your full trip cost. That is the longest window among the companies our buyers pick most. The comparison shows the exact last day for your trip.

What it costs

Real prices from the CoverTrip comparison on 25 September 2026, for three test trips. Your price depends on your ages, trip cost and dates.

Plan	Couple, 65 and 63, Italy, 10 days, $8,000	Solo, 40, Mexico, 7 days, $2,500	Family of four, Bahamas cruise, 7 days, $6,000
FlexiPAX	$456.00	$100.00	$142.00
FlexiPAX with cancel for any reason	$694.00	not run	$306.00

The family price is the one to notice. Two adults and two kids paid $142 for a seven-day cruise because the kids were free. IMG Choice was $223 and Tin Leg Gold $260 for the same family.

Who Travel Insured is

Travel Insured has been around since 1994 and has been part of Crum & Forster since 2015. I have bought this company's plan for my own family trip, and it paid my claim when we had to cancel. On the comparison Travel Insured has a 4.4 out of 5 customer rating from 4,220 reviews, and it is one of the three companies our own buyers pick most.

Questions people ask

Is Travel Insured International good?

Yes. FlexiPAX is our best overall travel insurance pick for 2026. It has $100,000 of primary medical, $500,000 of evacuation, a 21-day waiver window, free kids, and 75 percent cancel for any reason as an add-on. Travel Insured paid my own cancellation claim.

What happened to Worldwide Trip Protector?

Travel Insured still sells Worldwide Trip Protector Essential, Deluxe and Platinum on its own site, but the comparison sells FlexiPAX. FlexiPAX is one plan you build up with add-ons instead of three fixed tiers.

Does Travel Insured cover pre-existing conditions?

Yes, with the waiver. Buy FlexiPAX within 21 days of your first trip deposit and insure the full trip cost. Miss the window and the look-back applies.

Are kids free on FlexiPAX?

Yes. One child 17 and under travels free with each insured adult. On our test a family of four paid $142 for a seven-day cruise.

Before you buy

The pre-existing condition waiver applies only if you buy within 21 days of your first deposit and insure the full trip cost. The comparison shows the exact last day for your trip.
Cancel for any reason has to be added when you buy, within the same 21 days, pays 75 percent, and requires you to cancel at least two days before you leave.
Kids free means one child 17 and under per insured adult. Enter every traveler on the comparison and the price does it for you.
You have 14 days after purchase to cancel the policy for a full refund if you have not left or filed a claim.

See Travel Insured priced for your trip, next to 20 other companies

Enter your trip once and every top plan comes back side by side, priced for your dates. Same price as buying direct.

See plans & pricesAbout 60 seconds. Nothing to sign up for.