Travel Insured International, with its 20 years of experience providing comprehensive travel insurance plans to worldwide travelers, has joined with insurance powerhouse Crum & Forster to provide even better coverage.
Travel insurance is more important to seniors than to most younger travelers, as medical conditions put us at greater risk. Our enhanced risk aversion also leads us to minimize extraordinary expenses and losses, including non-refundable prepayments. Travel Insured International provides quick, easy and comprehensive insurance plans to protect against those risks to differing degrees. With three policy options to choose from, understanding your options is not complicated. Then, the company's list of upgrade options lets you build the plan that is perfectly tailored to your travel needs. As part of Crum & Forster and its parent company Fairfax Financial Holdings Ltd. since 2015, the company has the financial strength to meet all its goals and promises.
Premium per policy
|Typically 4-10% of total cost of travel|
Ease of enrollment
Ways you can enroll
Number of policy options
|Only 3 policies, but with several upgrade options|
When is insurance effective?
Ease of access
|Online, live chat, email, mail; emergency and non-emergency phone 24/7/365|
Can I manage my policy from my phone?
How long do claims take to be reviewed?
|No time frame provided|
Money back guarantee
Can I cancel my plan?
|Yes, for refund of premium within 14 days of plan effective date if not yet departed and no claim filed|
Is there a maximum age limitation?
|No, but prices do rise with age|
Do pre-existing conditions affect medical coverage?
|Waiver option may be available within 21-day window|
While travel insurance increases in importance as we age, buying it should not be a challenge. In reality, the older we get, the easier we want it to be. Travel Insured's intuitive website makes evaluating the available plans and the various upgrade options straightforward, so you can build a policy that provides the exact protection you want for your trip. No more, no less. The effective use of infographics and handy "What To Do When" resource sheets keep the process manageable. Travel Insured has made purchasing their product 'friendly,' but has not been able to do the same with its premium prices. The company does not impose age limits on policy availability but, like many others, does raise premium prices as we age.
For a senior who is managing a chronic medical condition, travel can add a layer of stress as you worry about needing medical attention while away from home. Travel insurance can provide a safety net for that condition as long as the specific plan offers it and the pre-existing condition is deemed stable and controlled at the time of purchase. The timing in which the insurance policy is purchased is critical: during a 21-day window counted from the first payment made for the trip. Also, following the insurer's instructions carefully ensures that coverage is not denied. One Travel Insured plan offers a 'Medical Only' plan for international travel, as well as the ability to increased limits and expense coverage as an upgrade.
Travel Insured International provides travel protection plans which include insurance benefits and non-insurance travel assistance services. Travel Insured offers three comprehensive plans, plus a 'Medical Only' policy option for international travel. The company offers optional upgrades, although not all upgrades are available with all plans. Plans do provide all the basic coverages you need, such as trip cancellation and interruption, delays, lost baggage, medical and emergency evacuations. With Travel Insured, you have access to a helpful website, quick policy comparisons and comprehensive travel insurance plans.
Frequently Asked Questions:
What aspects of travel does this company cover?
Trip cancellation, trip delay/interruption, missed connection, vacation rental and timeshare cancellation, lost/delayed baggage/personal effects, accident and sickness, accidental death & dismemberment, emergency medical evacuation and repatriation, cancel for any reason, rental car damage and travel assistance are available.
How long will it take to review my claim?
Travel Insured International’s parent company, Crum & Forster, provides claims-handling services through a team of 500 claim professionals nationwide. Once notified of your claim, the company will send you a claim package that provides the forms and instructions needed to submit your claim. You can call a Claims Support Specialist on the company’s toll-free line 8 AM-7:30 PM ET Mon-Fri. While the process is well explained on the website, no turnaround time is provided.
If I change my mind after enrolling in a protection plan, can I get a refund?
If you are not satisfied for any reason, you may cancel insurance under your policy by giving the company or the agent notice in writing within the first to occur: (a) 14 days from the effective date of your insurance; or (b) your scheduled departure date. If you do this, the company will refund the premium paid, provided no insured has filed a claim under this policy. Note that ‘processing fees’ are not refundable. (This is not identical in all states.)
Overview: All plans include coverage for cancellations, interruptions, delays, missed connections, medical expense and evacuation. The amounts covered vary by plan.
Worldwide Trip Protector: well-rounded coverage, with pre-existing condition waiver available, if eligible
Worldwide Trip Protector Plus: the most comprehensive coverage, as well as 'Cancel for Any Reason' coverage
Worldwide Trip Protector Lite: the most budget-friendly, basic travel coverage with optional upgrades
Travel Medical Protector: medical coverage for travel outside of the U.S.
Optional Add-on Services;
Travel Benefits: increased reimbursement for delays, etc.
Primary Coverage: increased protection for baggage loss and medical expenses
AD&D (Air Flight Only): coverage in case of crash
Rental Car Damage: covers damage to rental car
Medical Upgrade: increased limits and expense for medical coverage
Cancel for Work Reasons
Contract Details: Your policy should be read carefully to understand all the policy contract details. If canceling your plan, to receive a full refund, you must cancel within 14 days of purchase, and not have filed a claim or departed on your travels.
Accreditations: Member of the US Travel Insurance Association. Also, A.M. Best has affirmed the Financial Strength Rating of A (Excellent) for members of the Crum & Forster Insurance Group. Travel Insured International has been accredited by the Better Business Bureau since 2006 and holds an A+ rating on the BBB website.
Company Details: Founded in 1994 by Peter Gehris, Travel Insured International is one of the leading travel insurance providers, offering the highest quality worldwide travel protection for over 20 years. The company provides 24/7 customer assistance every day of the year. In 2015, Travel Insured was acquired by Crum & Forster, whose parent company is Fairfax Financial Holdings Ltd. Insurance policies are underwritten by United States Fire Insurance Company. The financial strength and core values of Crum & Forster and Fairfax give Travel Insured the best ability to meet its commitment to help travelers protect their travel plans "to travel relaxed, travel secure and travel insured."
Travel Insured International
855 Winding Brook Dr
Glastonbury, CT 06033-6503