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Founded in 2000, InsureMyTrip.com is the first major travel insurance comparison site to hit the market. The company has served over 4 million customers and works with some of the industry's top-rated insurers to help connect travelers find the right coverage. Here's a closer look at what you need to know before using its comparison tools.
Travel insurance plans from InsureMyTrip
InsureMyTrip is a travel insurance broker, which means it works slightly differently than your standard insurance provider. Rather than providing policies and underwriting specific claims, InsureMyTrip lets you compare policies from some of the industry's best travel insurance companies to select the best coverage for your needs. Then its site helps you complete your application and buy travel insurance.
While using the site, you'll be able to compare various medical, evacuation, Schengen visa, accidental death, and vacation rental insurance policies from 21 popular insurance companies. In addition, you can also receive quotes on group plans for ten or more travelers and annual plans if you intend to go on more than one trip this year.
Don't mistake InsureMyTrip's comprehensive options for a complicated shopping experience. Reviewers on TrustPilot described straightforward quoting for travel insurance in minutes.
Patricia Golden wrote, "We have used InsureMyTrip.com at least three times in the past several years. We have had nothing but great experiences. As I am not a spring chicken or a computer whiz, I found the site very user-friendly."
Reseller Ratings reviewer SparklingAntelope-49288 wrote, "Quick, concise, and easy travelers insurance."
When you need help, another Reseller Rating reviewer, LuckyMongoose-58535, wrote, "I have spoken to two different customer service representatives for two different trips. Both women were friendly, knowledgeable, and helpful."
Additional coverage options from InsureMyTrip
Since InsureMyTrip is an insurance broker, any policy-specific riders or additional travel insurance coverage options you select will be administered to you by a third-party provider. However, regardless of which travel insurance provider you choose, InsureMyTrip offers a series of guarantees for more confidence in your selection.
Best Plans Guarantee
First, InsureMyTrip's Best Plans Guarantee ensures that only plans with multiple positive ratings and reviews are shown to its consumers. The company provides a forum to allow past customers to share their experiences with specific providers. The insurance providers get a grace period to collect enough reviews. After the grace period expires, the site's offerings are filtered based on the feedback received, with the highest-rated plans receiving the highest ratings. In short, you're free to choose your travel insurance, but InsureMyTrip's site prioritizes the companies consistently performing well, making it easier to find travel insurance companies you'll love.
Price Guarantee
All travel insurance is regulated state by state. So as InsureMyTrip points out on its website, offering discounts on these products is illegal. With that in mind, the company promises to show you the lowest prices while remaining legally compliant, meaning you won't find a (legal) lower price anywhere else.
Money Back Guarantee
You can cancel your InsureMyTrip travel insurance plan during your review period and get your money back if you're unhappy. However, there are a few caveats to this one. First, the company clearly states that each cancellation and refund policy differs by the provider, and you'll likely be subject to those terms. In addition, some providers may charge an administrative fee, which is typically not eligible for a refund.
How much does travel insurance from InsureMyTrip cost?
The cost of travel insurance can vary widely depending on several factors, including the trip destination, trip duration, trip cost, the age of the travelers, the provider, the plan chosen, and any additional coverage options selected.
The average travel insurance plan costs 4-8% of your total trip cost. Like your flight tickets, hotels, etc., prices fluctuate depending on your location, time of year, and more. The best way to compare the average cost of travel insurance for your plans is by comparing quotes online.
How do I file a claim with InsureMyTrip?
You'll need to work directly with your insurance provider if you have to file a claim. However, InsureMyTrip makes it easy to access the correct contact information and claims forms.
You can find your provider's information by navigating to the "File a Claim" page on InsureMyTrip.com. Then, select your insurance provider and policy from the drop-down menu.
Typically, InsureMyTrip will provide each insurer's phone number, emergency contact line, and mailing address. When available, it also lists email addresses and URLs for claims forms.
Compare InsureMyTrip vs. Allianz travel insurance
InsureMyTrip InsureMyTrip.com and Allianz travel insurance offer comprehensive emergency medical and annual travel insurance plans. That said, if you're looking for more specialized types of insurance, you'll likely have to choose one company over the other. For example, InsureMyTrip connects customers to cruise-specific insurance providers. As an insurer, Allianz provides its own rental car insurance plans.
The most significant difference for many customers is the contact. In short, if you have to file a claim, you contact Allianz for Allianz's claims. If you buy through InsureMyTrip, the site provides contact information if you have an issue with your purchase or need to file a claim. But it does not offer direct services. The great part about InsureMyTrip is its wide range of partnerships allows it to provide a broader range of coverage options. Buyers seeking travel insurance for seniors may be more attracted to Allianz's simple product selection.
Compare InsureMyTrip vs. Travel Guard insurance
Travel Guard insurance focuses on offering three levels of comprehensive insurance. In short, the company has created packages instead of breaking them down into individual parts. It also provides annual travel insurance and a "Pack 'N Go Plan." Customers traveling soon who do not need trip cancellation coverage may save money with Pack 'N Go.
Travel Guard may be the way to go if you want comprehensive coverage rather than singular services like emergency medical and vacation rental insurance. Many travelers like the comprehensiveness of Travel Guard plans and the ease of purchase. InsureMyTrip, on the other hand, appeals to travelers who want a to customize travel coverage to meet specific needs.
Compare InsureMyTrip vs. World Nomads insurance
World Nomads insurance offers two comprehensive travel insurance plans. The "Standard Plan" covers overseas medical, insures your belongings, and offers pre-trip cancellation. It also provides the "Explorer Plan," which expands to trip delay, baggage delay, and accidental death coverage with higher coverage limits. However, what truly sets World Nomads apart is its coverage specific to sports gear, terrorist attacks, and more.
To that end, World Nomads may be a good option if you're planning on tandem skydiving or traveling to a riskier location. Its online claims service and policy management options also make it convenient for the digital nomad. On the other hand, buyers taking a more standard vacation who want to customize coverage may prefer InsureMyTrip. At this time, World Nomads also doesn't offer annual or group plans. InsureMyTrip offers both through its travel insurance partners.
Compare InsureMyTrip vs. credit cards
Many credit cards with travel insurance include it as a free cardholder benefit, which may lead you to wonder if you even need to invest in supplemental travel insurance. Unfortunately, there's no one-size-fits-all answer to this question. It often depends on the exact types of travel insurance offered by your card and the imposed coverage limits.
For example, let's say you have a card offering baggage delay coverage, trip accident insurance, and rental car insurance. In that case, it may make sense to buy a standalone trip cancellation policy if you're worried about the possibility of having to postpone your trip at the last minute. Similarly, if your card's coverage limits cap out at $10,000 and your trip costs $20,000, consider buying additional insurance coverage. Many travelers purchase extended medical and dental coverage, particularly when traveling internationally. The low prices of many travel insurance packages make it easier to get coverage for baggage delays, cancel for any reason, and more at the same time.
Methodology
While reviewing InsureMyTrip, we looked at its insurance partners and ran comparisons against other top travel insurance providers within the industry. In particular, we looked at the available plan options, including possible add-ons, claim limits, coverages, exclusions, and typical policy costs.
Selecting the right policy for you and your co-travelers is about choosing a policy with the right type of coverage and sufficient coverage limits. It should also fit comfortably into your budget and allow you to submit a claim quickly. You can read more about how we rate travel insurance products here.
FAQs
Yes, InsureMyTrip is a reputable travel insurance comparison tool. It has been in the market for over 20 years and has served millions of customers.
That said, it's essential to understand InsureMyTrip is not a travel insurance provider. It does not offer policies or underwrite claims. Instead, it is a marketplace that will help you compare travel insurance plans from other companies to ensure you select the best match for your needs. In addition, its filtering based on customer service ratings simplifies the process of providing a positive experience if you need to file a claim or contact customer service for your travel insurance company.
If you have questions about the policies shown on InsureMyTrip.com's website, you can contact its customer service team by phone at 800-487-4722 or 401-773-9300.
For existing customers, the company also offer online policy cancellation request and policy change request forms.
Ultimately, there is no such thing as the best travel insurance companies, only the policy most closely suited to your unique travel needs. However, since InsureMyTrip makes it easy to compare policies from various popular travel insurance providers, the website will help you find your perfect match.
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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