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Between booking your hotel and packing all your travel essentials, even the most avid planners may overlook trip insurance. Travel insurance can help you recuperate financial losses to give you peace of mind, no matter how far away you are from home.
We are here to break down Crum & Forster's coverage options, costs, and how the company compares to its competitors.
Travel insurance plans from C&F Travel Insured International
Crum & Forster offers four coverage options: Worldwide Trip Protector Plus, Worldwide Trip Protector, Worldwide Trip Protector Edge, and Worldwide Trip Protector Lite.
With this travel insurance agency, you'll find an a la carte of coverage options and optional policy add-ons like "cancel for any reason" (CFAR) and "interrupt for any reason" (IFAR) coverage.
You'll find a comprehensive list of features included in each policy below:
| Coverage | Worldwide Trip Protector Plus | Worldwide Trip Protector | Worldwide Trip Protector Edge | Worldwide Trip Protector Lite |
| Trip cancellation | 100% | 100% | 100% | 100% |
| Trip interruption | 150% | 150% | 150% | 150% |
| Cancel for any reason | 75% | N/A | N/A | N/A |
| Interrupt for any reason | 75% | N/A | N/A | N/A |
| Trip exchange | N/A | 50% ($75k max) | 50% ($75k max) | |
| Trip delay | $1,000 or $200 daily after 6 hours | $1,500 or $200 daily after 3 hours | $300 or $100 daily after 12 hours | $300 or $100 daily after 12 hours |
| Change fee | $250 | $250 | $250 | $250 |
| Itinerary change | $500 | $500 | N/A | N/A |
| Frequent traveler reward | $250 | $250 | $250 | $250 |
| Single supplement | Included | Included | Included | N/A |
| Missed connection | $500 after 3 hours | $500 after 3 hours | $300 after 12 hours | $300 after 12 hours |
| Pet Kennel | Contact for more info | $500 ($50 per day) | N/A | N/A |
| Medical evacuation and repatriation of remains | $1M | $1M | $100K | $100K |
| Political, security, and natural disaster evacuation | Contact for more info | $150K | N/A | N/A |
| Baggage and personal effects | $1K total or $250/article | $1K total or $250/article | $750 total or $250/article | $750 total or $250/article |
| Baggage delay | $300 after 12 hours | $500 after 3 hours | $200 after 12 hours | $200 after 24 hours |
| Travel medical/dental | $100K/$750 | $100K/$750 | $100K/$750 | $10K (only accident and sickness) |
| 24-hour accident, death, and dismemberment | $10K | $10K | N/A | N/A |
| Pre-existing medical conditions waiver | Available | Available | Available | N/A |
C&F Insured Travel Medical Protector Plan
The Medical Protector Plan is Crum & Forster's least comprehensive plan, only offering medical insurance. So, if you're looking for trip cancellation coverage, consider purchasing one of the company's WorldWide options instead.
Below, you'll find coverage types and limits offered by C&F Travel Insured's Medical Protector Plan.
- Up to $5,000 in trip cancellation coverage
- Up to $50,000 in accident and sickness coverage which you can upgrade to a maximum of $1 million in coverage
- Up to $1 million in emergency medical evacuations, repatriation, and return of remains
- Up to $150,000 in non-medical emergency evacuation coverage
- Up to $1,000 in coverage for lost, stolen, or damaged personal items
- Up to $300 in coverage after 12 hours for baggage delay
- A total of $1,000 or $200 daily limit for travel delays
- Up to $50,000 in coverage for accident, death, and dismemberment on a flight
- Waiver of pre-existing medical conditions included
Additional coverage options from C&F Travel Insured International
If you need more coverage, you may fancy Crum & Forster's vast array of insurance add-ons and riders.
- Cancel for any reason coverage — Receive up to 75% of the cost of your trip for unused, forfeited, or nonrefundable deposits.
- Interrupt for any reason coverage — Starting 72 hours after your scheduled departure, C&F will reimburse up to 75% of nonrefundable costs. IFAR coverage is specific to land and water bookings.
- Cancel for work reasons coverage — Get reimbursed for up to 100% of the cost of your or your traveling partner's trip due to a work conflict.
- Air flight only, accident, death, and dismemberment coverage — Provides compensation for accidents during your flight.
- Electronic equipment coverage — Get reimbursed for electronics stolen, damaged, or destroyed during your trip.
- Event ticket registration fee protection — Receive reimbursement for unused, forfeited, or nonrefundable event ticket registration fees.
- Rental car damage and theft — Get coverage for rental car damages beyond your control.
- Travel inconvenience — Receive reimbursement for covered events such as closed attractions, beach closures, and flight delays.
- Bed rest — Get reimbursed for unforeseen ailments and injuries requiring bed rest or quarantine for at least 48 hours.
How much does travel insurance from C&F Travel Insured International cost?
We ran various ages, travel destinations, and trip dates through Crum & Forster's quoting tool to generate several sample rates.
Scenario 1: 30-year-old/Australia/2023
If you're a 30-year-old Florida resident traveling to Australia for a week in January 2023, an $8,000 trip will run you about $297 to $417 in travel insurance.
The average cost of travel insurance sits at 4% to 8% of your total trip cost. So the average cost of travel insurance for an $8,000 trip would be $320 to $640. In this case, C&F Travel Insured is cheaper than the average price of travel insurance.
Scenario 2: 40-year-old/Mexico/2022
In this scenario, we used the profile of a 40-year-old California resident scheduled to travel by plane to Mexico for a week in December 2022. We've plugged in a trip cost of $6,000, and the company's travel insurance coverage estimated a cost of $267 to $373.
The average travel insurance cost for a $6,000 trip is about $240 to $480. Therefore, C&F Travel Insured's prices are below the industry average.
Scenario 3: 50-year-old/France/2023
Finally, we ran the numbers for a 50-year-old New York resident traveling by plane to France. A week in May 2023 will run the traveler $10,000.
Residents of New York can only purchase the Worldwide Trip Protector Plan, which costs $492. The average insurance cost for a $10,000 trip ranges from $400 to $800. So, a New York Resident can purchase a plan with this company at a slightly cheaper rate than the industry average.
How do I file a claim with C&F Travel Insured International?
Filing a claim with Crum & Forster is simple. You can start a claim by filling out a short form with the plan number listed on your confirmation of benefits document and your last name.
Alternatively, you can give the company a call at 855-752-8303. C&F Travel Insured's hours of operation are Monday through Friday from 8:00 a.m. to 6:00 p.m. EST. You can also email the team at claims@travelinsured.com.
Compare C&F Travel Insured International vs AIG Travel Guard
If you're on the fence about purchasing a plan with Crum & Forster, you can explore other options. We've compared the company's standard and premium plans with options from AIG Travel Guard.
C&F Insured Worldwide Trip Protector vs. AIG's Travel Guard Preferred Plan
The most similar plan from AIG Travel Guard is the mid-tier Travel Guard Preferred Plan. Below, we've outlined some of the main features of this insurance policy.
- Up to $150,000 in trip cancellation coverage
- Up to $225,000 in trip interruption coverage
- A maximum of $800 in travel delay coverage
- A maximum of $50,000 in emergency medical coverage
- Up to $150,000 in emergency evacuations
- Up to $1,000 coverage for baggage loss, theft, or damage
Below, you'll find coverages for C&F Travel Insured's Worldwide Trip Protector plan.
- 100% in trip cancellation coverage
- 150% trip interruption coverage
- Up to $1,000 in travel delay coverage after 6 hours
- A maximum of $100,000 in medical emergency coverage
- Up to $1 million in emergency evacuations
- Up to $1,000 in coverage for baggage loss, theft, or damage
At a glance, C&F Insured's Worldwide Trip Protector offers more travel insurance coverage than AIG Travel Guard. AIG's travel insurance also caps the dollar amount of its trip cancellation and interruption coverage, which is something to keep in mind before buying travel insurance.
C&F Insured Worldwide Trip Protector Plus vs. AIG's Travel Guard Deluxe Plan
AIG's Deluxe plan, the costliest option from the company, provides:
- Up to $150,000 in trip cancellation coverage
- A maximum of $1 million in emergency medical evacuation coverage
- A maximum reimbursement of $1,000 for travel delays after 12 hours
- Up to $2,500 in coverage for baggage loss, theft, or damage
In contrast, C&F travel insurance's most comprehensive plan, Worldwide Trip Protector Plus, offers the same coverage as its standard plan. Its "plus" plan comes with a "cancel for any reason" (CFAR) and "interrupt for any reason" (IFAR) coverage. CFAR and IFAR coverage provides up to 75% reimbursement of your travel cost for cancellation or interruption of your trip 72 hours after your departure date. As the names suggest, these coverages pay out regardless of your reasons for canceling nonrefundable bookings.
AIG Travel Guard's Deluxe counterpart doesn't have those coverages. As a result, C&F's "Plus" package appears to be the better option.
Compare C&F Travel Insured International vs iTravelInsured
We've also compared policies from C&F Travel Insured and iTravelinsured's standard plan to see which company offers more value.
C&F Insured Worldwide Trip Protector vs. iTravelInsured Travel SE Plan
iTravelInsured's most popular plan is the Travel SE plan.
- 100% in trip cancellation coverage
- 150% in trip interruption coverage
- Up to $250,000 (primary coverage) for emergency medical coverage
- Up to $2,000 ($125 daily limit) in travel delay coverage for delays after 12 hours.
- $1,500 ($250 per item) maximum for baggage loss, theft, or damage
You'll find more comprehensive medical and baggage loss coverage with iTravelInsured's SE plan than C&F Travel Insured Worldwide Trip Protector.
iTravelInsured Travel LX and C&F Travel Insure's WorldWide premium package also offer CFAR and IFAR coverage. Remember, your cost may vary based on personal factors such as age and travel destination. It's best to generate rates using the companies' quote tools and compare prices.
Compare C&F Travel Insured International vs credit cards
Buying insurance through a travel insurance company like Crum & Forster is one of many ways to get coverage. However, travel insurance may also be a perk included in your credit card. It's essential to check if any of your credit cards offer travel insurance and if the coverage is sufficient to meet your needs.
A separate travel insurance policy can help you fill gaps in your credit card's travel insurance coverage. For instance, many credit cards offer trip cancellation and interruption coverage but not medical coverage. C&F Travel Insured's Travel Medical Protector plan may be a good addition if you only need to add medical-related coverage.
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Methodology
We looked at Crum & Forster's coverages and compared it to the best travel insurance policies. We analyzed coverage options, claim limits, available add-ons, and typical insurance policy costs. The right policy will offer sufficient coverage for your situation at the most competitive price.
C&F offers aggressive options if you're willing to pay a bit more. It also offers budget travel insurance plans for those looking to supplement credit card or other protections already in place. To find the travel insurance that makes sense, check out different providers and compare quotes. You can also read more about our ratings methods for insurance providers.
FAQs
Trip cost is the total dollar amount paid for your trip. Generally, travelers buy coverage for nonrefundable bookings settled ahead of time. These could include transportation, hotels or other accommodations, and more. Trip cost does not include projected food costs, taxis, or additional costs you'd only pay during the trip.
Yes, C&F Travel Insured International is a legitimate travel insurance company. Founded in 1994, Crum & Forster (C&F) owns the insurance agency. C&F is a 200-year-old risk management company with an "A" (excellent) rating from AM's Best, an insurance credit rating industry, in 2021.
C&F allows travelers to buy insurance up to 3 years before the departure date. You can buy your coverage later as well.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
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