Traveling can be an exhilarating experience, filled with adventure and new discoveries. Uncertainties can arise, making travel insurance an essential part of any travel plan. To empower travelers in making informed decisions, We offers a detailed and transparent view of travel insurance providers through real customer reviews.
- What is Visitor Insurance?
- Do I need Visitor Health Insurance?
- Travel Insurance Provider Reviews & Ratings
What is Visitor Insurance?
Visitor insurance most commonly refers to international travel medical insurance plans designed for international travelers visiting the United States of America. These plans are perfect for non-U.S. citizens who have domestic health insurance, but aren’t covered outside of their home country.
Do I need Visitor Health Insurance?
Visitor insurance is not required to travel to the U.S. on a B-2 visa. The United States, healthcare costs are much higher than the rest of the world, and an unexpected illness could result in you owing thousands of dollars. Visitor insurance plans provide a wide range of coverage options, access to multilingual customer service experts, and 24/7 assistance services to make traveling internationally less stressful.
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What Factors Should I Consider?
- U.S. Healthcare Costs – Medical care in the U.S. is significantly more expensive than in many other countries. While you may not plan on needing health coverage, a visitor insurance plan can provide crucial financial protection in case of unexpected illness or injury.
- Coverage Options – Higher maximum limits and lower deductibles result in higher plan costs. Consider your financial comfort level and how much you could afford beyond your deductible in case of an emergency while traveling.
- Pre-Existing Condition Coverage – If you have a pre-existing medical condition requiring specialized care, select plans offer coverage to ensure you receive the necessary treatment while visiting the U.S.
Importance of Travel Insurance Reviews
When choosing a travel insurance policy, it’s crucial to know how each provider handles claims and customer service. Actively invites customers to share their experiences, creating a robust database of reviews that reflects the true performance of travel insurance companies.
Why Customer Reviews Matter?
- Real Feedback: Authentic reviews from actual customers provide insights into the reliability of insurance providers.
- Experience Across Cases: Customers facing different scenarios, ranging from canceled trips to medical emergencies, share their experiences which can guide potential buyers.
- Informed Decision: Travelers can assess the strengths and weaknesses of various providers based on peer experiences.
Unique Approach to Reviews
Squaremouth stands out with its commitment to unbiased and reliable reviews. Here are the key features of their review system:
Zero Complaint Guarantee
The Zero Complaint Guarantee ensures that every provider listed on Squaremouth manages claims fairly and honestly. Having this guarantee gives travelers confidence in the providers they are considering.
Unbiased Platform for Reviews
Only customers who purchased a policy through Squaremouth can submit reviews. This policy prevents fabricated or irrelevant feedback, maintaining the integrity of the reviews. All reviews are shared transparently, whether they are positive or negative, establishing trust in the review process.
Original and Unedited Reviews
Every review is published exactly as written, free from alterations. This policy means potential buyers see the honest experiences of others without any mask or manipulation. Squaremouth only removes content that includes profanity or obscenity.
Detailed Claim Reviews
To provide the most valuable information, Squaremouth allows users to view reviews specifically related to claims. These insights include:
- What was claimed for: Understanding the common issues others faced can help new customers anticipate potential hurdles.
- How long the process took: Knowledge of the timeline can set realistic expectations for claim resolution.
- The outcome: Whether or not a claim was successful, this information is crucial for evaluating a provider’s reliability.
Travel Insurance Provider Reviews & Ratings
Ratings and reviews for various travel insurance providers, enabling potential customers to compare options easily. Here are some of the top-rated providers based on customer feedback:
Travelex Insurance Services ★★★★☆ (4.4/5 U.S. News Rating)
Best Overall
Travelex offers three comprehensive trip protection plans: Essential, Advanced, and Ultimate. Each varies in coverage and perks, including optional add-ons like Cancel for Any Reason (CFAR), adventure sports, and pet coverage.
The Ultimate Plan stands out as the best choice, featuring:
✔ 100% trip cancellation coverage (up to $50,000)
✔ 150% trip interruption coverage (up to $75,000)
✔ $2,000 for lost or stolen baggage ($200 for delays)
✔ $2,000 for trip delays; $750 for missed connections
✔ $250,000 in emergency medical coverage ($500 dental sublimit)
✔ $1 million in medical evacuation and repatriation
Customer Reviews: Positive overall, with users praising straightforward claims and responsive customer service. Some mention delays in claims processing.
Nationwide Insurance ★★★★☆ (4.2/5 U.S. News Rating)
Best for Last-Minute Travel
Nationwide offers single-trip, cruise-specific, and annual travel insurance plans. Its Prime Plan is the best choice, allowing you to purchase coverage up to a day before departure.
Key benefits of the Prime Plan:
✔ $30,000 trip cancellation coverage
✔ 200% trip interruption coverage (up to $60,000)
✔ $2,000 for lost/stolen baggage; $600 for baggage delays
✔ $150,000 in emergency medical coverage ($750 dental sublimit)
✔ $1 million in medical evacuation and repatriation
Customer Reviews: Many users highlight helpful agents and good coverage limits, though some found the claims process slow.
Seven Corners ★★★★☆ (4.1/5 U.S. News Rating)
Best for 24/7 Support
Seven Corners offers medical-only, cruise, multi-trip, and single-trip plans. Their Trip Protection Choice (Elite) Plan is the best option.
Highlights include:
✔ 100% trip cancellation coverage (up to $100,000)
✔ 150% trip interruption coverage
✔ $2,500 for lost baggage; $500 for baggage delays
✔ $500,000 in emergency medical coverage
✔ $1 million in medical evacuation and repatriation
Customer Reviews: Strong Trustpilot (4.3/5) and Squaremouth (4.37/5) ratings, with praise for efficient claims processing and excellent customer support.
Berkshire Hathaway Travel Protection ★★★★☆ (4.1/5 U.S. News Rating)
Best for Specialized Coverage
Berkshire Hathaway offers tailored plans for road trips, adventure travel, and cruises. Their LuxuryCare Plan provides the most extensive coverage.
Top benefits:
✔ 100% trip cancellation coverage
✔ 150% trip interruption coverage
✔ $2,500 baggage coverage; $500 for baggage delays
✔ $100,000 in medical coverage
✔ $1 million in emergency evacuation and repatriation
Customer Reviews: Rated 4.29/5 on Squaremouth, with users appreciating easy policy adjustments and a smooth claims process.
Tin Leg ★★★★☆ (4.0/5 U.S. News Rating)
Best for Preexisting Conditions
Tin Leg offers eight travel insurance plans, with seven covering preexisting conditions. The Luxury Plan is the top pick.
Key features:
✔ 100% trip cancellation coverage
✔ 150% trip interruption coverage
✔ $500 baggage coverage per person
✔ $2,000 in trip delay coverage
✔ $100,000 in emergency medical coverage
✔ $250,000 in medical evacuation and repatriation
Customer Reviews: Rated 4.56/5 on Squaremouth and 3.7/5 on Trustpilot, with users noting detailed claims processing and helpful customer service.
WorldTrips ★★★☆☆ (3.9/5 U.S. News Rating)
Best for Lost or Stolen Baggage
WorldTrips offers three Atlas Journey plans with various levels of coverage. Their Elevate Plan provides the highest coverage limits.
✔ 100% trip cancellation coverage
✔ 150% trip interruption coverage
✔ $2,500 baggage coverage ($500 per item)
✔ $2,000 trip delay coverage
✔ $250,000 in emergency medical coverage
✔ $1 million in emergency evacuation and repatriation
Customer Reviews: Rated 4.4/5 on Trustpilot, with users praising comprehensive baggage coverage.
Aegis
- Rating: 4.08 out of 5
- Years Active: Since 2013
Customer Feedback: Aegis customers appreciate its coverage and customer service, though some noted claim processing times could be improved.
Arch RoamRight
- Rating: 4.52 out of 5
- Years Active: Since 2012
Customer Feedback: Known for their responsive customer service, many customers highlighted successful claim experiences.
AXA Assistance USA
- Rating: 4.22 out of 5
- Years Active: Since 2015
Customer Feedback: Customers are satisfied with the comprehensive coverage options, although experiences with claim filing varied by individual.
Cover-More
- Rating: 5.0 out of 5
- Years Active: Since 2017
Customer Feedback: With a perfect score, Cover-More stands out for its outstanding customer service and prompt claim handling.
Generali Global Assistance
- Rating: 4.32 out of 5
- Years Active: Since 2004
Customer Feedback: Customers appreciate the detailed assistance provided during emergencies, with many noting the ease of navigating claims.
TravelSafe
- Rating: 4.31 out of 5
- Years Active: Since 2004
Customer Feedback: Known for its competitive pricing and reliable customer support, TravelSafe has garnered positive reviews for its versatile plans.
These ratings reflect the collective experience of travelers and emphasize the importance of thorough research when choosing a travel insurance policy.
Best Travel Insurance Companies for Different Travelers
| Insurance Provider | Solo Traveler (Trip Cost: $3,500, Age: 25) | Couple (Trip Cost: $5,500, Ages: Both 35) | Family (Trip Cost: $12,000, Ages: 45, 45, 12, 10) |
| Travelex Insurance Services (Ultimate) | $133 | $224 | $288 |
| Nationwide Insurance (Single Trip Prime) | $141.92 | $301.96 | $530.08 |
| Seven Corners (Trip Protection Choice or Elite) | $153 | $368 | $644 |
| Berkshire Hathaway Travel Protection (LuxuryCare) | $153 | $258 | $621 |
| Tin Leg (Luxury) | $140 | $207.82 | $567 |
| WorldTrips (Atlas Journey Elevate) | $114 | $206 | $454 |
| Allianz Travel Insurance (OneTrip Premier) | $209 | $470 | $464 |
| Travel Insured International (Worldwide Trip Protector Platinum) | $154 | $370 | $636 |
Tips for Choosing the Right Travel Insurance Provider
- Assess Your Needs: Consider your travel destinations, activities, and any health issues that might affect your insurance requirements.
- Read Reviews: Look for feedback from customers with similar travel needs. Pay attention to reviews focusing on claims, as they give insight into service reliability.
- Understand Coverage Types: Familiarize yourself with the different types of coverage, such as trip cancellation, emergency medical coverage, and baggage protection.
- Compare Plans: Use Squaremouth to compare different providers based on ratings, coverage options, and customer experiences.
- Check Provider’s Reputation: Research the provider’s history with claims to assess how they handle customer service issues.
Travel insurance is a vital component of any travel itinerary, ensuring peace of mind during your adventures. To providing trustworthy, unbiased reviews allows travelers to make informed decisions based on real experiences.
FAQs
When should I buy travel insurance?
The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.
Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.
Many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.
What is the best travel insurance company in the USA?
The best travel insurance company depends on your needs. Top-rated providers include Allianz Travel, Travel Guard, Seven Corners, World Nomads, and Travelex. Compare plans based on coverage, cost, and customer reviews.
How do I find the best travel insurance reviews?
You can check travel insurance reviews on trusted sites like Forbes, NerdWallet, Squaremouth, InsureMyTrip, and Trustpilot to compare customer experiences and ratings.
What factors should I consider in a travel insurance review?
Look at coverage options, claim process, customer service, pricing, exclusions, and pre-existing condition coverage before purchasing.
Does travel insurance cover trip cancellations?
Yes, most plans include Trip Cancellation Coverage for emergencies like illness, injury, or natural disasters. “Cancel for Any Reason” (CFAR) coverage offers more flexibility but at a higher cost.
Can I get travel insurance for pre-existing conditions?
Some policies offer pre-existing condition waivers, but you must purchase the plan within a specific time after booking your trip and meet eligibility requirements.
How much does travel insurance cost in the USA?
Travel insurance typically costs 4-10% of your total trip price. Factors like age, trip length, coverage limits, and destination affect the final cost.
What is the best travel insurance for international trips?
For international travel, consider World Nomads, Allianz Global Assistance, AXA Assistance USA, or GeoBlue for comprehensive coverage.
How do I file a claim for travel insurance?
To file a claim, submit proof of loss (receipts, medical reports, or police reports) through the provider’s online portal or customer service. Claims processing times vary by company.
Is travel insurance worth it for domestic travel?
Yes, if you have non-refundable bookings, prepaid trips, or need medical coverage outside your network. Travel insurance can protect against trip interruptions and medical emergencies.
Where can I compare travel insurance ratings?
Websites like Squaremouth, InsureMyTrip, AARDY, and TravelInsurance.com allow you to compare plans, ratings, and user reviews to choose the best provider.
