C&F Travel Insured International
Worldwide Trip Protector Plus
The quality of insurance is not what it SAYS are the benefits but what it DOES when you need the benefits. Previously, I'd rated this insurance as really good based on a fair price and answering my questions when I called. However, this time my luggage was lost by the airline on the way back home. Despite having a lost luggage policy, C&F indicated that they would only pay out after I had settled my claim with the airline and only if the airline didn't fully cover the cost of the lost items. Meanwhile, the airline wouldn't begin to settle my claim until the luggage had been missing for 21 days. When I inquired with C&F about coverage for delayed luggage--until my luggage was recovered or declared lost--I was informed that this was not applicable for luggage lost on the way home. They were unsympathetic to the fact that most of my winter clothes and shoes were in the lost luggage (as it was a two-week trip). According to the fine print, one had to request a claims form via USPS, which took over two weeks to arrive. When I called after not receiving it, I was told I could download it online via a website, but it turned out one needed a log-in code (which I didn't have) to access the document. In general, I felt the company was doing everything possible to discourage me from filing a claim.
As my luggage was ultimately found (shortly after being declared officially lost) and returned to me after 30 days, I never needed to file the claim with C&F. But it has left a bad taste in my mouth,and I don't intend to use C&F again, even if they are the less-expensive option.
Tamara H. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
Comprehensive plans are designed to cover as many risks as possible, but is very rare for any insurance plan to cover all possible risks. The C&F Travel Insured International Worldwide Trip Protector Plus plan is a Comprehensive plan which covers a wide range of perils and hazards. Unfortunately, it was determined that your baggage was delayed on the return home. The travel insurance industry standard is to cover baggage delay only on outbound travel.
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