Travel Insured's three plans provide tiered coverage with varying medical limits and CFAR availability.
Travel Insured Travel Insurance Review
Travel Insured offers three customizable travel insurance plans with strong medical coverage and optional CFAR.
Find out if you should buy travel insurance from Travel Insured.
Updated: February 6, 2026
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Key Takeaways
Travel Insured offers three single-trip plans (Essential, Deluxe, Platinum) with 100% trip cancellation coverage.
Deluxe and Platinum plans include optional CFAR as a bundle with no dollar cap when purchased within 21 days.
All plans feature high emergency medical evacuation limits ($200,000 to $1,000,000) and 24/7 traveler assistance.
Travel Insured Travel Insurance Pros and Cons
- High emergency evacuation limits reaching $500,000 to $1,000,000 on Deluxe and Platinum
- CFAR available as bundle option with no dollar cap (Deluxe and Platinum)
- Pre-existing condition coverage with 21-day purchase window
- High customer satisfaction ratings (4.2/5 on Trustpilot, 4.41 on Squaremouth)
- Essential plan lacks CFAR coverage
- Trip delay requires six-hour wait, baggage delay requires 12-hour wait
- Some customers report extensive documentation requirements for claims
- Claims processing times range from several weeks to several months
- Coverage exclusions may not be clearly communicated at purchase
Travel Insured Travel Insurance Plans and Features
Trip Cancellation | 100% trip cost | 100% trip cost | 100% trip cost |
Emergency Medical | $50,000 | $250,000 | $500,000 |
Emergency Evacuation | $200,000 | $500,000 | $1,000,000 |
Baggage Loss | $750 | $1,500 | $2,500 |
Per-Item Baggage Limit | $250 | $250 | $250 |
CFAR Coverage | Not available | Bundle option, no cap | Bundle option, no cap |
Pre-existing Window | 21 days, 48+ hrs notice | 21 days, 48+ hrs notice | 21 days, 48+ hrs notice |
Trip Delay | $500 (6+ hrs) | $500 (6+ hrs) | $500 (6+ hrs) |
Baggage Delay | $750 (12+ hrs) | $750 (12+ hrs) | $750 (12+ hrs) |
Missed Connection | $750 | $750 | $750 |
Buy within 21 days of initial deposit to maximize coverage benefits. Worldwide coverage included.
Travel Insured Travel Insurance Rates
Travel Insured is a mid-to-upper-tier option based on trip cost, traveler age, destination, and duration. Higher premiums reflect comprehensive medical coverage and bundled CFAR value.
5-day Canada trip, age 36, moderate cost | $164 | $190 | $218 |
Age 65+ pricing | Higher premiums | Higher premiums | Higher premiums |
Senior travelers age 65+ pay higher premiums due to increased medical risks.
Comparing Travel Insured vs. Other Companies
Travel Insured competes with other comprehensive travel insurance providers offering customizable coverage and strong medical protection.
Travel Insured Deluxe | 100% trip cost | $250,000 | $500,000 | Yes (bundle, no cap) |
Travel Insured Platinum | 100% trip cost | $500,000 | $1,000,000 | Yes (bundle, no cap) |
AXA Platinum | 100% trip cost | $250,000 | $1,000,000 | Yes (75%, no cap) |
Generali Premium | 100% trip cost | $250,000 | $1,000,000 | Yes (75%, no cap) |
Seven Corners Choice | $100,000 | $500,000 | $1,000,000 | Yes (75%, no cap) |
Travel Insured's Platinum plan offers the highest emergency medical coverage at $500,000. Compare with Generali's coverage, AXA's plans, or Seven Corners' options.
Travel Insured User Reviews
Travel Insured holds a 4.2/5 rating on Trustpilot (1,700+ reviews), 4.41/5 on Squaremouth (4,000+ reviews), and an A+ BBB rating.
What Customers Love
- Responsive pre-trip service: Reviewers describe agents as helpful and knowledgeable, with clear answers to coverage questions before departure
- Financial security coverage: Travelers appreciate having coverage in place even when a claim is never filed
- Positive claims outcomes: Some customers report full reimbursements on cancelled trips, with payouts completed within three to six weeks
- Strong support during crises: Reviews mention calm, professional guidance and consistent follow-up during medical situations
- 24/7 assistance availability: Concierge support and multilingual help are available for medical coordination, reservations, and travel needs
- Easy policy modifications: Customers note smooth processes when adjusting trip dates or modifying coverage before departure
Common Complaints
- Extensive documentation requirements: Some reviewers say claims require more paperwork than expected, including receipts, medical records and added verification
- Long processing times: While a few customers receive payment within three to six weeks, others report waits of four to six months with limited updates
- Slow response times: Reviews note long gaps when requesting claim status or documentation follow-ups, with challenges reaching live representatives
- Claim denials: Reported issues include missing cancellation confirmations, pre-existing condition timing disputes and incomplete documentation
- Unclear exclusions: Some travelers express frustration with exclusions not clearly outlined at purchase, especially around unused airfare and documentation rules
What’s Covered by Travel Insured Travel Insurance
Travel Insured provides good medical coverage and worldwide assistance on all plans.
- Trip cancellation: 100% reimbursement of non-refundable costs for illness, injury, death, natural disasters or work obligations
- Trip interruption: Unused trip costs plus additional transportation to return home or rejoin trip
- Trip delay: Up to $500 after six-hour delay for meals, accommodations, and essentials
- Missed connection: Up to $750 when carrier delays cause missed connections (3+ hours)
- Emergency medical: $50,000 (Essential) to $500,000 (Platinum) for trip-related illness or injury
- Emergency evacuation: $200,000 to $1,000,000 for transportation to adequate medical facilities
- Medical services: Hospital stays, physician visits, prescriptions, emergency dental
- 24/7 medical assistance: Healthcare provider location and emergency coordination
- Accidental death and dismemberment coverage
- 24/7 concierge services, translation, and legal referrals (included on all plans)
- Emergency cash transfers and travel document delivery
- Medical monitoring with family updates during emergencies
Trip Protection
Medical Coverage
Additional Benefits
Add-On Coverage
- Cancel for any reason (CFAR): Deluxe and Platinum only, no dollar cap, requires purchase within 21 days of deposit and 48+ hours notice before departure
- Rental Car Damage: Primary coverage for physical damage up to actual cash value
- Adventure Sports: Coverage for skiing, scuba diving, mountain climbing
- Equipment Coverage: Electronics and sports equipment protection beyond standard baggage limits
What’s NOT Covered
- Pre-existing medical conditions (unless 21-day waiver met)
- Travel against physician's advice
- Alcohol or drug-related incidents
- Named hurricanes existing before policy purchase
- Intentional self-harm or illegal acts
- War, terrorism (some exceptions), or civil unrest
- Extreme sports unless specifically added
- Business equipment or commercial goods
- Losses recoverable from other sources
- Trip changes made for convenience
Travel Insured Claims Documentation Requirements
Required documentation varies by claim type:
Trip Cancellation/Interruption | Proof of trip payment (receipts, invoices, credit card statements), Cancellation confirmation from travel supplier, Medical records if cancellation due to illness/injury, Death certificate if applicable, Employer letter if work-related |
Medical Expenses | Itemized medical bills and receipts, Medical records showing diagnosis and treatment, Physician's statement, Prescription receipts, Proof of payment |
Emergency Evacuation | Physician's order for evacuation, Evacuation service invoices, Medical records documenting necessity, Transportation receipts |
Baggage Loss/Delay | Police report if theft, Airline baggage delay report or Property Irregularity Report, Receipts for replacement purchases, Proof of baggage value, Photos of damaged items |
Travel Delay | Carrier delay documentation, Receipts for meals and accommodations, Proof of delay duration |
Processing time: four to six weeks for standard claims. Track claim status through the online portal.
FAQ: Travel Insured Travel Insurance
What makes Travel Insured's CFAR coverage different from competitors?
Travel Insured offers CFAR as a bundle with no dollar cap on Deluxe and Platinum plans, unlike competitors who often impose limits. Requires purchase within 21 days of deposit and 48+ hours notice before departure.
Does Travel Insured cover pre-existing medical conditions?
Pre-existing conditions receive coverage when you purchase within 21 days of your trip deposit and insure 100% of prepaid, non-refundable costs. Standard lookback period applies.
How does the Essential plan differ from Deluxe and Platinum?
Essential provides $50,000 emergency medical with no CFAR, suitable for budget travelers. Deluxe increases medical to $250,000 and adds CFAR access. Platinum offers maximum protection with $500,000 medical and $1,000,000 evacuation.
Can I modify my Travel Insured policy after purchase?
Travel Insured allows modifications including trip date changes and coverage upgrades before departure. Contact customer service directly, though certain upgrades like CFAR have time-sensitive windows.
What is Travel Insured's financial stability rating?
Underwritten by United States Fire Insurance Company with an A.M. Best rating of A (Excellent). Acquired by Crum & Forster in 2015.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.