Travel Insured International Review

By Damian Tysdal, licensed travel insurance agent since 2006 · Updated 13 September 2026

★★★★★5 out of 5

Worldwide Trip Protector Deluxe and Platinum carry some of the highest medical limits sold to leisure travelers, kids 17 and under are free on both, and the cancel-for-any-reason upgrade pays 75 percent. Essential is a budget plan with no upgrades.

Good for

Cruises and trips abroad: Deluxe ($250,000 medical) and Platinum ($500,000 medical, $1,000,000 evacuation)
Families leaving the country, since kids 17 and under are free on Deluxe and Platinum
Anyone who wants cancel for any reason or interruption for any reason at 75 percent

Not for

Anyone buying Essential for a trip abroad ($50,000 medical, no upgrades, no free kids)
Bargain hunters, since Deluxe and Platinum are priced for their limits
Anyone who missed the cancel-for-any-reason window (14 or 21 days from the first payment)

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At a glance

Plan	Emergency medical	Evacuation	Cancel for any reason	Kids free
WTP Essential	$50,000	$200,000	No	No
WTP Deluxe	$250,000	$500,000	Upgrade, 75% back	Yes
WTP Platinum	$500,000	$1,000,000	Upgrade, 75% back	Yes

Deluxe is the plan to price first. Platinum is the upgrade for a cruise or a remote destination. Essential is a domestic-only budget plan.

Top reasons to buy

Platinum carries $500,000 of emergency medical and $1,000,000 of evacuation. Deluxe carries $250,000 and $500,000. Few plans at these prices go that high.
Children 17 and under are included free on Deluxe and Platinum.
Cancel for any reason pays 75 percent, and interruption for any reason is available too, which most companies do not offer.
Sold on the comparison engine, so you can see it priced next to 20 other companies for the same trip.

Flaws but not dealbreakers

Essential has $50,000 of medical, no cancel-for-any-reason option and no free kids. It is the cheapest plan for a reason.
The cancel-for-any-reason purchase window is 14 or 21 days depending on the plan document, so check yours rather than assuming.
Deluxe and Platinum cost more than the bargain plans on the same quote. You are paying for the limits.

Bottom line

Travel Insured International is one of the first companies I look at for a cruise or a trip abroad, because Deluxe and Platinum solve the medical problem that most mid-priced plans leave open. The free-kids benefit makes Deluxe hard to beat for a family leaving the country. Skip Essential unless the trip is short and domestic, and price Deluxe against the other companies on the same quote before you decide.

Full Travel Insured International Review

Summary: Travel Insured International sells three Worldwide Trip Protector plans plus a build-your-own option called FlexiPAX. Deluxe and Platinum are the reason to buy here: their emergency medical limits ($250,000 and $500,000) are among the highest sold to leisure travelers, kids 17 and under are free on both, and the cancel-for-any-reason upgrade pays 75 percent. Essential is a budget plan and behaves like one.

Compare it against:

Who Travel Insured International is

Travel Insured International was founded in 1994 and has been part of Crum and Forster since 2015. The plans are underwritten by United States Fire Insurance Company, the same underwriter behind Seven Corners. Financial backing is not a concern, and the company administers its own claims.

The plans

Worldwide Trip Protector Essential
Cancellation 100 percent of the trip cost, interruption 100 percent, emergency medical $50,000, evacuation $200,000, baggage $750, travel delay $500. No cancel-for-any-reason option. Fine for a short domestic trip, thin for anything else.

Worldwide Trip Protector Deluxe
Cancellation 100 percent, interruption 150 percent, emergency medical $250,000, evacuation $500,000, baggage $1,500, travel delay $1,500. Cancel for any reason and interruption for any reason available as upgrades, both at 75 percent. Children 17 and under are included free.

Worldwide Trip Protector Platinum
Cancellation 100 percent, interruption 150 percent, emergency medical $500,000, evacuation $1,000,000, baggage $2,500, travel delay $2,000. Cancel for any reason and interruption for any reason at 75 percent. Children free. This is the plan for an expensive cruise, a remote destination or anyone who wants the medical question settled.

FlexiPAX
A build-your-own plan: a base with up to $100,000 of medical and $500,000 of evacuation, then add the benefits you want. The pre-existing condition waiver window is 21 days.

Annual Multi-Trip Protector
For people who take several trips a year and mostly want medical and evacuation coverage.

Why Deluxe is the plan most people should price

Deluxe is the middle plan, and it is the one that fixes the usual problem with mid-priced travel insurance: medical limits of $50,000 or less. With $250,000 of medical, $500,000 of evacuation, free kids and a 75 percent cancel-for-any-reason option, it covers the situations that actually cost people money. Platinum doubles the medical limits for a modest step in price, which is worth it for a cruise or a trip somewhere with expensive hospitals and long evacuations.

Cancel for any reason and interruption for any reason

Both upgrades are available on Deluxe and Platinum and both pay 75 percent of the non-refundable trip cost. Cancel for any reason has to be bought within 14 or 21 days of your first trip payment (the plan document for your state governs), you have to insure the full trip cost, and you have to cancel at least two days before departure. Interruption for any reason is rarer in the market and lets you come home early for reasons the standard policy would not cover.

Kids travel free

On Deluxe and Platinum, children 17 and under are included at no charge when they travel with an insured adult. For a family of four on a trip abroad that is a meaningful saving on a plan that already carries strong medical limits.

Pre-existing conditions and the free look

The pre-existing condition waiver applies when you buy within the window stated in your plan document (14 or 21 days from the initial deposit, depending on the plan) and insure the full trip cost. You have 14 days after purchase to cancel the policy for a full refund if you have not departed and have not filed a claim.

How much does Travel Insured cost?

Deluxe and Platinum are not the cheapest plans on a quote and they are not trying to be. They usually land in the middle to upper part of the range, and the extra premium buys limits that the bargain plans do not carry. The only way to know the difference for your trip is to price it next to the other companies.

Travel Insured International FAQs

Is Travel Insured International a good company?

Yes. It has sold travel insurance since 1994, is owned by Crum and Forster, and its plans are underwritten by United States Fire Insurance Company. The Deluxe and Platinum plans carry some of the highest medical and evacuation limits sold to leisure travelers.

Does Travel Insured offer cancel for any reason?

Yes, as a paid upgrade on Worldwide Trip Protector Deluxe and Platinum. It pays 75 percent of the non-refundable trip cost, must be bought within the window in your plan document (14 or 21 days of the first trip payment), and you have to cancel at least two days before departure.

Which Travel Insured plan is best?

Deluxe for most trips abroad and for families, because of the $250,000 medical limit, free kids and the 75 percent cancel-for-any-reason option. Platinum for cruises and remote destinations, with $500,000 medical and $1,000,000 evacuation. Essential only for short domestic trips.

Are children free on Travel Insured plans?

Children 17 and under are included free on Worldwide Trip Protector Deluxe and Platinum when they travel with an insured adult. Essential does not include free children.

Summary

Travel Insured International earns its reputation on Deluxe and Platinum: high medical limits, free kids, and 75 percent cancel-for-any-reason and interruption-for-any-reason upgrades. Essential is a budget plan and should be treated as one. Price Deluxe next to the other companies for your trip and you will usually find it is worth the difference.

Before you buy

The pre-existing condition waiver applies only if you buy within the window in your plan document (14 or 21 days from the initial deposit) and insure the full trip cost.
Cancel for any reason has to be added when you buy, within the same window, and requires you to cancel at least two days before departure.
Free kids applies to Deluxe and Platinum only, for children 17 and under traveling with an insured adult.
You have 14 days after purchase to cancel the policy for a full refund if you have not departed or filed a claim.