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Travel Insured International: What You Need To Know

When thinking about your next vacation, it can make a lot of sense to think about travel insurance. It can protect you in case something goes wrong, not to mention giving you peace of mind. One travel insurer to consider is Travel Insured International, a company with over 25 years of experience in the field. In 2015 it was taken over by Crum & Forster, an almost 200 year old specialty and standard insurer.

Here’s what you need to know about Travel Insured International:

What does Travel Insured International offer?

Travel Insured International offers four plans to choose from: Worldwide Trip Protector Plus, Worldwide Trip Protector, Worldwide Trip Protector Lite, and Travel Medical Protector.

Plans include trip cancellation, travel interruption / delay, medical protection, baggage protection, rental car insurance, cancellation for any reason and various optional extras.

How much does it cost?

To see how the guidelines play out, we entered a three-week trip by a 45-year-old Alaska resident worth $ 3,000 to Mexico:

Worldwide Trip Protector Plus

Worldwide Trip Protector Lite

Refunds of miles or award points

Cancel for any reason (CFAR)

$ 1,000 ($ 200 daily limit / minimum 6 hours delay required)

$ 1,000 ($ 200 daily limit / minimum 6 hours delay required)

$ 300 ($ 100 daily limit / minimum 12 hours delay required)

$ 1,000 ($ 200 daily limit / minimum 6 hours delay required)

Accident and illness costs

Emergency medical evacuation and repatriation

Accidental Death and Dismemberment (AD & D) 24 hours

Luggage & personal items

Emergency non-medical evacuation

The Worldwide Trip Protector Plus Plan ($ 216) and the Worldwide Trip Protector Plan ($ 144) are nearly identical in benefits offered, with both bidding 100% Travel cancellation150% Trip interruption, $ 1,000 delay, $ 1 million for medical evacuation, $ 100,000 for medical expenses, and many other benefits.

The main difference between the two plans is that the more expensive option includes CFAR coverage and interruption for whatever reason.

  • What You can cancel a trip for almost any reason and get up to 75% of your non-refundable deposit back (provided you cancel within 48 hours of departure and add all of your travel arrangements to your trip within 21 days of receipt of payment). This is a great option for those who have non-refundable reservations and want the flexibility to cancel a trip on the fly.

  • IFAR Allows you to interrupt your trip for any reason as long as it lasts 72 hours or more after this you’re gone. Take advantage of this benefit and receive a refund of up to 75% of your non-refundable and unused land or water travel arrangements. This can be useful cover if you decide to cancel your trip and the reason for the interruption is not considered a covered reason under the policy.

If you appreciate both of these benefits, consider opting for the more expensive Worldwide Trip Protector Plus plan.

The Worldwide Trip Protector Lite Plan ($ 109) offers 100% cancellation insurance, 100% travel interruption, $ 300 delay, $ 100,000 medical evacuation and repatriation, and $ 10,000 medical expenses and other benefits.

The limits offered by this plan are lower; However, if you are only looking for travel cancellation benefits and medical care is adequate for you, this guideline may make sense.

The Travel Medical Protector Plan ($ 73.50) is primarily focused on providing medical care related benefits: $ 1 million for medical evacuation and repatriation, $ 50,000 for medical expenses, $ 150,000 for non-medical evacuation and $ 5,000 for interruption the trip.

This policy could be a good choice for someone who doesn’t need travel cancellation benefits. In addition, if you have a premium travel credit card that offers travel cancellation insurance (like the Chase Sapphire Reserve® or The American Express Platinum Card®) and the limits are sufficient, a stand-alone medical plan might be enough to provide adequate coverage for your trip.

Additional options and add-ons

Worldwide Trip Protector Plus

Worldwide Trip Protector Lite

Cost: $ 8 / traveler; Coverage Limit: $ 100,000

Cost: $ 8 / traveler; Coverage Limit: $ 100,000

Cost: $ 8 / traveler; Coverage Limit: $ 100,000

Cost: $ 1.47; Coverage Limit: $ 100,000

Cost: $ 7 / day; Coverage Limit: $ 50,000

Cost: $ 7 / day; Coverage Limit: $ 25,000

Travel Insured International allows you to update certain elements of your policy, including: work cancellation, flight accident, medical care, damage to rental cars, primary insurance and travel benefits.

These add-ons are a great way to improve the limits on certain elements of coverage. For example, for $ 35 per person, the Worldwide Trip Protector Plus Plan and Worldwide Trip Protector Plan can double your travel delay, missed connection, baggage delay, and baggage and personal item limits.

For $ 24 per person, the Worldwide Trip Protector Lite plan lets you add a business cancellation benefit. If you are canceling for work reasons, you can cancel a trip if it is work related. The reason has to meet the terms of the policy, but if this is a benefit you want it is good to know it is available.

How to find a guideline

To see what policies are available in your state, go to Travel Insured International websiteEnter your destination and click “Get Quote”. You will then need to enter the following trip details, e.g. B. Your place of residence, your travel dates and the number of travelers.

Once you select “View Offer”, a list of plans will appear from which you can choose based on your country of residence and travel details.

What is not covered

While all of the above plans offer different levels of coverage, they don’t cover everything, including:

  • Fear of traveling. Unless you have the CFAR add-on, you can only cancel your trip for a reason covered by the policy. Nervousness about your travels is not a hidden reason. So, if you want the ultimate in flexibility, go for the Worldwide Trip Protector Plus plan.

  • Loss of luggage for glasses, contact lenses, hearing aids or orthodontic devices. Keep these items in hand luggage or backpack as they are not covered by international insurance.

  • Certain events. General exclusions that are not normally covered by insurers are not covered here either. Example events include self-harm, war, participating in dangerous activities (e.g., skydiving), committing a crime, or being accidentally drunk. You need to check the policy’s fine print to know exactly what is and is not covered.

Who Should Get International Travel Insurance?

If you’re on a major international vacation and don’t have a premium travel credit card with sufficient limits, Travel Insured International insurance is a great choice.

The CFAR and IFAR options are solid perks for those who want the ultimate in flexibility – especially since you can add such covers a la carte. If you’re looking for fewer benefits with lower limits, the Worldwide Trip Protector Lite plan is a great choice. Those looking for medical care can consider the Travel Medical Protector plan.

How to Maximize Your Rewards

You want a travel credit card that prioritizes what’s important to you. Here are our tips for that best travel credit cards of 2021including the best for:

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