Comprehensive coverage that protects your trip
Pros
- Include medical evacuation benefits up to a maximum of $1 million.
- All plans waive preexisting conditions.
- Children are covered under the Deluxe and Platinum plans without any extra fees.
- Annual multi-trip plan includes the option to add CFAR coverage per trip.
- Many different customizable add-on packages.
- Reasonably priced for people in older age groups.
Cons
- Younger individuals traveling alone may find the plans relatively expensive.
- Trip cancellation is not a standard feature of the annual multi-trip plan.
About Travel Insured International
Established in 1994, Travel Insured International has been a dedicated provider of travel insurance solutions for nearly three decades. Backed by the strong financial strength of its parent company, Crum & Forster, which holds an A (excellent) rating from AM Best, travelers can feel confident in the security and reliability of their policies. As a travel insurance arm of Crum & Forster, Travel Insured International leverages the resources and expertise of a well-established insurance organization to offer comprehensive coverage options.
What is Travel Insured International?
Travel Insured International stands out in the competitive travel insurance market, particularly for its inclusion in guides highlighting the best international travel insurance providers. The company offers a selection of three distinct single-trip plans, all designed to provide coverage for preexisting medical conditions when purchased within a specified timeframe. Recognizing the diverse needs of travelers, Travel Insured International also allows customers to enhance their chosen plan with a variety of specialized bundles tailored for different types of trips, such as visits to amusement parks or cruise vacations.
A notable offering from Travel Insured International is its annual travel insurance plan. This plan distinguishes itself within the industry by providing both Cancel For Any Reason (CFAR) coverage and coverage for preexisting conditions – features that are not commonly found in other annual travel insurance policies. While Travel Insured International’s premiums tend to be higher, especially for younger individuals traveling alone, the company offers more competitive rates for families through its child-inclusive pricing on the Deluxe and Platinum plans. Interestingly, older travelers may find the premiums to be relatively affordable.
Plans
Travel Insured International provides travelers with a tiered system of coverage under their Worldwide Trip Protector plan, featuring the Essential, Deluxe, and Platinum options. As customers ascend through these tiers, they unlock increasingly comprehensive benefits. This progression not only involves higher coverage limits for various travel-related incidents but also expands the availability of optional upgrades, accommodates more expensive trip costs, and encompasses a wider range of reasons for trip cancellation.
Worldwide Trip Protector Essential
Travel Insured’s basic single-trip plan offers coverage for trips up to $25K per person (with a 30-day limit). Key features include trip cancellation or interruption benefits, medical coverage (worth $50K), emergency evacuation (worth $200K), and some coverage for delays and baggage. Early purchase may cover preexisting conditions.
Worldwide Trip Protector Deluxe
The WorldWide Trip Protector Deluxe plan offers enhanced travel insurance with coverage for longer trips (up to 180 days). It provides strong protection for trip cancellations and interruptions. Travelers can also get coverage for preexisting medical conditions if they purchase the plan soon after their initial trip deposit. The plan includes increased benefits for travel delays and missed connections. Medical coverage is significantly higher, along with substantial coverage for emergency evacuation, including situations involving political issues, security concerns, or natural disasters. Coverage for baggage and baggage delays is also improved, and the plan adds accidental death and dismemberment (AD&D) coverage.
Worldwide Trip Protector Platinum
The WorldWide Trip Protector Platinum plan is the most extensive single-trip option, covering trips for up to 180 days. It offers robust protection for trip cancellations and interruptions. The window to potentially cover preexisting conditions is extended. It provides the highest benefits for trip delays and missed connections. Medical coverage is significantly increased, along with substantial emergency evacuation coverage, including for political, security, or natural disaster events. Baggage coverage is the highest among the single-trip plans and uniquely includes protection for electronic equipment. Baggage delay benefits are also enhanced, and the plan includes accidental death and dismemberment (AD&D) coverage.
To further compare the three plans, see the table below.
| Feature | Essential | Deluxe | Platinum |
| Max Trip Cost (Per Person) | $25,000 | $50,000 | $150,000 |
| Max Trip Cost (Per Plan) | $250,000 | $250,000 | $250,000 |
| Max Trip Length | 30 days | 180 days | 180 days |
| Trip Cancellation | Up to 100% of Nonrefundable Trip Cost | Up to 100% of Nonrefundable Trip Cost | Up to 100% of Nonrefundable Trip Cost |
| Trip Interruption | Up to 150% of Nonrefundable Trip Cost | Up to 150% of Nonrefundable Trip Cost | Up to 150% of Nonrefundable Trip Cost |
| Preexisting Condition Coverage | Within 14 days of initial trip deposit | Within 14 days of initial trip deposit | Within 21 days of initial trip deposit |
| Trip Delay | $100/day (12+ hr, max $500) | $150/day (6+ hr, max $1,500) | $200/day (3+ hr, max $2,000) |
| Missed Connection | Up to $500 (3+ hr delay) | Up to $750 (3+ hr delay) | Up to $1,000 (3+ hr delay) |
| Travel Medical Coverage | Up to $50,000 | Up to $250,000 | Up to $500,000 |
| Dental Sublimit | $750 | $750 | $750 |
| Medical Evacuation and Repatriation | Up to $200,000 | Up to $500,000 | Up to $1 million |
| Political, Security, and Natural Disaster Evacuation | Not Included | Up to $50,000 | Up to $150,000 |
| Baggage & Personal Effects | Up to $750 ($250 per article) | Up to $1,500 ($250 per article) | Up to $2,500 ($250 per item) |
| Baggage Delay | Up to $200 (12+ hr delay) | Up to $500 (6+ hr delay) | Up to $750 (3+ hr delay) |
| AD&D 24-Hour | Not Included | Up to $10,000 | Up to $10,000 |
| Coverage for Electronic Equipment | Not Included | Not Included | Included |
Annual Multi-Trip Protector
This plan is for frequent travelers, covering all trips within a year, as long as each trip is 45 days or less. However, it’s not available in Montana, Missouri, New York, Pennsylvania, and Washington and is for travelers under 80. It offers optional per-trip coverage for trip cancellation, trip interruption, and Cancel For Any Reason. The core benefits per trip include significant coverage for accident and sickness expenses, medical evacuation/repatriation, and evacuation due to political issues, security concerns, or natural disasters (with limits on occurrences for the latter two). It also includes benefits for trip delays, missed connections, baggage loss/delay, and AD&D coverage.
The Annual Multi-trip Protector plan from Travel Insured International has a base cost of $94 per year for adults and $64 per year for children. It’s important to keep in mind that these are the starting prices, and the total cost of the annual policy can increase depending on any optional add-ons that are selected to enhance the coverage.
Additional Coverage Options
Travel Insured International offers a variety of additional coverage options to tailor their insurance plans to specific needs.
For those seeking maximum flexibility in their cancellation options, the Cancel For Any Reason (CFAR) bundle allows for reimbursement of up to 75% of nonrefundable trip costs, providing a safety net for unforeseen circumstances. However, it must be purchased within a specific timeframe after the initial trip payment. Travelers concerned about rental vehicles can opt for car damage and theft coverage.
For pet owners, the pet bundle offers valuable protection, including coverage for pet sickness leading to trip changes, medical care for pets during travel, kennel coverage due to delays, and assistance with a pet’s return if the owner is unable to.
To address potential issues related to accommodations and entertainment, the Hotel & Amusement & Theme park bundle provides coverage for closed attractions, weather-related disruptions at parks, and problems like hotel infestations.
Cruise enthusiasts can benefit from the cruise bundle, which covers cruise-specific events such as itinerary changes and shore excursion issues and enhances baggage coverage limits.
Finally, the flight bundle caters to air travel concerns, offering coverage for change fees, protection for frequent flyer rewards, and additional flight-only AD&D benefits. These add-ons allow travelers to customize their policies for greater peace of mind.
Getting a travel insurance policy with Travel Insured International involves a straightforward process that begins on their website, where you can easily obtain a quote. To receive an accurate quote, you will need to provide details such as your travel dates, your state of residence, the number of individuals traveling, the ages of all travelers, the cost of the trip for each person, the date of your initial trip payment, and the type of travel you are undertaking (whether it’s a cruise or another form of travel). You will also need to provide an email address to proceed.
After entering this information, you will be directed to a page displaying available policy options, where you can review the coverage details and select a plan that suits your needs, as well as add any optional riders you may want. While providing your specific travel destination is not required to get an initial quote, you will need to specify your destination during the final checkout process.
Importantly, Travel Insured International offers a 14-day free look period, during which you have the option to cancel your policy for a full refund if it doesn’t meet your expectations.
Pricing
While the cost of travel insurance typically ranges from 4% to 8% of the overall trip expense, influenced by factors like age, trip length, and total cost, Travel Insured International’s single-trip plans tend to be pricier for individual travelers. However, their Deluxe and Platinum plans offer a significant advantage for families, as they include free coverage for accompanying minors.
When looking at the premium percentages relative to the trip cost, Travel Insured International’s plans generally fall within the average range for travel insurance, with rates between 3.1% and 4.4%.
Notably, the inclusion of free child coverage in the Deluxe and Platinum tiers can make these options considerably more economical for families compared to the base Essential plan. Even for older travelers, Travel Insured International’s premiums, ranging from 5.1% to 8.2% of the trip cost, remain within the typical spectrum for travel insurance.
Coverage Exclusions
While Travel Insured International’s policies offer extensive coverage, particularly with the available add-ons, there are standard exclusions that are common across most travel insurance providers.
Generally, coverage will not extend to injuries or losses incurred during participation in dangerous activities unless those specific activities are explicitly included within the policy or through a rider. Furthermore, any incidents or losses that occur while the insured individual is under the influence of drugs or alcohol are typically excluded from coverage.
Known storms, meaning those that have already been officially named at the time of policy purchase, are also usually excluded, as are losses resulting from acts of war. And lastly, any harm or injury that is intentionally self-inflicted is a standard exclusion in travel insurance policies.
Conclusion
While Travel Insured International’s premiums may be higher than those of some competitors, their plans offer significant value through customization and unique benefits. They stand out by providing comprehensive coverage, including a wide array of benefits and preexisting condition coverage across their three single-trip plans and an annual option. For travelers who value the ability to tailor their policy and seek specific protections not commonly found elsewhere, Travel Insured International could be a worthwhile investment.
Compared to other top travel insurance companies, Travel Insured International is a standout, particularly for its inclusive features. They offer preexisting condition coverage on all policies, including their annual plan, and provide child-inclusive pricing on their Deluxe and Platinum plans, making them a strong contender, especially for families seeking good coverage.
