Travel Insured International Review

Full Travel Insured International Review

Summary: Travel Insured offers one of my top-recommended plans– Worldwide Trip Protector. Their plans have better coverage for weather/hurricanes, and include coverage that other plans don’t have. Their plans cover Covid-19 for cancellation and medical treatment. They also offer the popular Cancel For Any Reason upgrade.

Their Worldwide Trip Protector plan is a great overall recommendation. I have personally purchased this plan for a family trip, and they paid my claim for a canceled trip.

Worldwide Trip Protector is featured on both of these lists:

• Best Cruise Insurance Plans
• Best Family Plans

Travel Insured keeps things simple with only three plans. Most travelers will buy Worldwide Trip Protector as a great overall plan. They also offer Worldwide Trip Protector Edge, which is a budget-friendly version of the same plan but with lower coverage limits. Finally, they offer Travel Medical Protector. This is a plan without cancellation coverage, and it focuses on emergency medical for international travel.

Company Information
Travel Insured was founded in 1994 so they have been in the business for a long time. In 2015, Travel Insured was acquired by Crum & Forster– an insurance company with a 200 year (!) history and plenty of financial backing. Travel Insured is a reputable company that can be relied on to pay claims.

What does Travel Insured insurance cover?

Travel Insured’s two travel insurance plans (Worldwide Trip Protector & Worldwide Trip Protector Edge) are for most travelers. They are the plan you would buy for a vacation, cruise, tour, or any other trip where you are worried about losing money for a canceled trip.

Like all travel insurance plans, they cover:

• Trip cancellation & interruption
• Emergency medical expenses
• Medical evacuation expenses
• Lost, stolen, or damaged baggage
• Travel delays
• Delayed baggage
• 24/7 worldwide assistance

Travel Insured International & Cancel For Any Reason Insurance

Travel Insured offers Cancel For Any Reason coverage as an optional upgrade with Worldwide Trip Protector. It is not available with Worldwide Trip Protector Edge, because this plan is designed to be budget-friendly. It is not available with Travel Medical Protector because this plan doesn’t cover canceled trips– it focuses on medical emergency coverage abroad.

Some companies, such as Allianz, don’t offer this upgrade. Even though it is optional, I believe it is better to have the option. This is why I recommend Travel Insured over Allianz.

Travelers like the peace-of-mind this coverage provides. It gives you a lot of flexibility in cancelling your trip and still getting most of your money back.

Travel Insured International and Covid-19

Worldwide Trip Protector covers Covid-19 for both trip cancellation and emergency medical expenses.

Trip Cancellation and Covid-19

Travel Insured treats Coronavirus like any other sickness when it comes to trip cancellation coverage. Trip cancellation covers cancellations if someone gets sick or injured before the trip and cannot travel. This is the most popular reason for trip cancellation, and travelers make claims for this all the time. It might be a child with the flu. Or a parent having a stroke and you need to care for them.

In the case of Covid, if you get sick before departure and your doctor advises you to cancel, this is a covered reason for cancelling. You would receive any trip expenses you lose as a reimbursement from the insurance company. Physicians provide verification for this all the time.

Emergency Medical Treatment and Covid-19

Similarly, Travel Insured’s plans cover Covid as they would any other sickness for emergency medical care. If you are traveling abroad and get sick or have an illness, you are covered for medical care costs.

Travel Insured International Hurricane & Weather Coverage

Travel Insured has some of the best hurricane & weather coverage for trip cancellation. Here is what makes their coverage better than other plans.

They cover hurricane warnings from the NOAA

This is some small print that many plans don’t have, and it makes Travel Insured a better plan for hurricane & weather concerns.

Many plans cover sever weather that damages your destination. In these cases, you need the hurricane it actually strike and cause damage to your resort that shuts it down. But, what if it strikes and leaves a mess behind, but doesn’t close your resort? Technically you can still take your trip.

With this coverage, if the NOAA issues a hurricane warning that includes your destination within 48 hours of your departure, you ‘re covered. You can cancel and receive reimbursement. That extends your coverage by a lot, and protects your money better.

Their delay trigger is 6 hours instead 12+

Travel insurance covers cancellation for common carrier delays. This means an airline being shut down due to severe weather. But all plans have a different amount of time before that coverage is “triggered”. Some plans require a delay of 12, 24, or even 48 hours. This means you can be delayed 47 hours and you still can’t cancel your trip and be covered.

Travel Insured has a delay trigger of 6 hours, which is low. That’s good. There are plans that have a trigger that states “delay of any length of time”, which is better. But these plans don’t have the NOAA warning coverage. If I had to choose I’d rather have 6 hours and warning covered, instead of 0 hours and no warning covered.

How much is Travel Insured insurance?

Travel Insured tends to be similar in price to comparable plans, but with better coverage and options.

Here is an example of the difference in price and coverage:

Trip information: Two-week trip with a trip cost of $4,000, one traveler aged 46.

Travel Insured Worldwide Trip Protector– $228
This is a plan with medical limit of $100,000. This is an adequate amount of travel medical coverage for most trips. Compare this to only $50,000 on the Allianz plan below.  Travel Insured has better hurricane & weather coverage (more below). This plan also has the option to upgrade with Cancel For Any Reason.

Trawick Safe Travels Voyager– $241
Similar coverage, but the medical limit here is even higher at $250,000. This is more than adequate travel medical coverage for most trips. This plan also has the option to upgrade with Cancel For Any Reason, but the hurricane coverage is not as good.

Allianz OneTrip Prime- $217
Most coverage is similar, but this plan only has emergency medical coverage up to $50,000. This is a decent amount, but for trips like cruises and travel abroad, I recommend a minimum of $100,000. This plan also has no option for Cancel For Any Reason coverage. This is an upgrade that many travelers like to have for their trip. Most companies offer CFAR upgrades on at least one plan, but Allianz has no coverage for this.

All of the plans are a little more than 5% of the trip cost, which falls within the usual travel insurance range of 4-10%.

Travel Insured International Plans

Single Trip Trip Insurance Plans

Worldwide Trip Protector
This is Travel Insured’s most popular plan. It is also one of my top recommendations for all travelers. It has $100,000 of Primary medical coverage, and $1,000,000 of emergency evacuation coverage. It covers Covid for both cancellation and medical treatment. It also includes the better hurricane and weather coverage with NOAA warnings covered. Overall an excellent plan.

Worldwide Trip Protector Edge
This is similar coverage, but less coverage limits. It is for budget-minded travelers who want coverage without increasing their travel budget as much. This plan does not have the Cancel For Any Reason option available. It also does not have coverage for NOAA hurricane warnings.

Travel Medical Plans

Travel Medical Protector
This is Travel Insured’s plan for travelers who don’t need cancellation coverage, but want medical coverage abroad. It covers $50,000 for medical emergencies, $1,000,000 for evacuation. It’s a fine plan, but there are better options for travel medical insurance.

Travel Insured International FAQs