Travel Insurance Reviews for Crum & Forster - Travel Insured International

Plan did deliver with incident that occurred, however, the documentation process was redundant and I ultimately was denied part of my claim due to a factor out of my control (airport self serve kiosk that was malfunctioning and could not provide a receipt.)

I filed both a medical claim and a flight upgrade claim (due to my injury). The flight upgrade was paid promptly. The medical claim took 2 months and multiple phone calls to resolve and get paid.

We had booked a pilgrimage to Israel. We had to wait until the pilgrimage company officially canceled. They sent us the paperwork necessary to file a claim with our insurance. Once I receive that paperwork I was able to submit the claim with Insure my trip, within a week of filing. I am so happy we purchased insurance.

We really liked the value for the coverage. I needed to make a medical claim -- six different documents were required; not all of them obvious or easily accessible.

Customer service was pleasant and responsive to my questions and once I filed all the paperwork, the claim was processed promptly.

Our cruise was delayed by one day due to a hurricane. We filed a claim and we’re quickly reimbursed for an extra night in a hotel and food for that day. They also had an app and quick phone customer service.

This insurance was a joke. We planned a month long trip to Peru. We had the worst luck and had two canceled flights trying to get there, hours in airports, changing flights, going to other airports. Needless to say we missed our first week and planned trek to Machu Picchu. Of course what we had pre-paid on this was non-refundable. I only filed a claim for this amount of the trip that we missed as I thought this is what insurance was for. They asked for documents upon documents which I worked to provide. I had to get letters from the airline, I sent in itemized receipts from our trek that clearly stated what we had paid and clearly said that it was non-refundable. They just continued to ask for more documents and letters. I am sorry, but a company in Peru is not going to take time to fill out a ridiculous amount of forms to help us get our money back for a trek we didn't make. I gave more than substantial information. So unless you have hours upon hours to hound people to get documents, don't expect to receive any money if something unexpected happens in your trip.

Unfortunately, several medical bills were incurred during my trip - some partially covered by my personal medical insurance, some not covered at all. My background doing large scale project management at various Fortune 500 companies, so I'm familiar with filling out and tracking forms.

Here are the reasons why I do would not recommend C&F Travel Insured:
1) Their PDF claims forms are not possible to fill out entirely on a computer unless you have Adobe Acrobat Pro or some other PDF editor. This is because some of the fields on their PDF forms are not editable.

2) Their website only allows you to enter 1 medical claim per traveler. There's no directions on what to do if you have multiple medical claims. If you call, you find out you have to email additional claims to them.

3) On top of that, their website for filing claims is not very or easy to use. Think early 2000's, with lots of download and uploads. You'll be entering the same information over and over again between the website and PDF.

4) I submitted additional claims via email in May. In June, I called and the rep couldn't find my additional claim. I asked her to look again, and then she found them. She told me to call back in 6+ weeks. I called back in August, and they couldn't find my additional claim, and that they would call me back. Could they email me given all the junk calls I get per day? No. This is their workflow in 2023.

Sometimes, I wonder if their website and PDF forms are intentionally full of friction to discourage you from filing a claim, or because they just don't invest in the claims workflows, or if it is something else -- I don't know.

Some closing thoughts:
1) If you have just one medical claim, filling out their forms isn't the worst and you'll get paid pretty quickly.
2) I haven't tried filing claims for other travel insurance companies, so I'm not sure if they are better or worse.

Here's to hoping my additional claims get paid!

I purchased the travel insurance for trip to Hilton Head Island where we booked an AirBNB. Upon arrival, our rental was dirty with dead bugs and roaches throughtout the home. The bed linens were dirty. Because of this we weren't able to check in to the place until the next day because the company couldn't get anyone out until then to clean the place. We had to spend $250 at a hotel for that night. Our travel insurance contained trip delay, travel inconvenience, and interruption. You guessed it, when I filed the claim for the cost of the hotel, it was denied. DO NOT COUNT ON THIS COMPANY PAYING ANYTHING. I put these groups in the same categories as home warranties.

Our luggage for 8 people insured under a policy with Travel Insured was delayed for multiple days in Italy. On day three of wearing the same clothes, we went to a clothing store in Italy and bought the basics to keep us going. The total claim amount for 8 people was less the $400. We submitted the delayed luggage form, the detailed claim form, pictures of the baggage finally arriving, and a credit card receipt from the store in Italy. We proved, without a reasonable doubt, that the claim was legitimate, but the claim was denied because we failed to keep the itemized receipt from the clothing store in Italy. I’m not sure what Travel Insured thinks we bought at “Oviesse Campi Bisenzio” in Florence other than clothing, but apparently the “Integrity” value listed in their corporate values is a bit misleading (“We always do the right thing!”). Just be cautious as when I called ahead of the trip to learn more about the policy, they made the claim process sound so simple and straightforward, but unfortunately it was anything but that. Very disappointing.

So-called emergency service was useless in obtaining needed medication.