Travel Insurance Reviews for WorldTrips

In short: The insurance company narrowly construed the language of the insurance policy to deny me coverage for my cancelled trip - even though I had to cancel my trip because Switzerland changed its policies and mandated a 10-day quarantine for all incoming travelers. Don't waste your money on this insurance company.

I planned a 2-week trip to Europe, with the first stop in Switzerland. I purchased this insurance policy specifically because it said that it covered instances when I would need to be "quarantined" because of changes in government policies. After I purchased this insurance policy, Switzerland announced that, due to the rise in Covid cases, all travelers arriving from the U.K. would need to quarantine for 10 days, regardless of vaccination status or having negative tests. I called the insurance company, told them I needed to cancel my trip because of this new mandatory quarantine policy, and asked if my insurance policy would provide coverage. The insurance company said no. The insurance company said that trip-cancellation coverage wouldn't apply because I wouldn't be required to quarantine before I left for the trip. Instead, I would be required to quarantine after my trip started (i.e., after I got on my departing flight). The insurance company further said that trip-interruption coverage would not apply because I would not be quarantining for an "unexpected event." Because I knew I would have to quarantine once I arrived in Switzerland, the event requiring me to quarantine was not "unexpected" and, therefore, I was not entitled to coverage.

Covid has created unprecedented circumstances where governments are making drastic policy changes on a moment's notice. I purchased this insurance policy to protect against that risk. But the insurance company still used hyper-technical logic to deny coverage.

All good for peace of mind during the holiday

Thanks

Fortunately I didn't have to use the insurance. Customer service was quick and efficient when I had any questions though.

Thankfully didn’t need it, but glad to have the peace of mind to have it

Glad we didn't have to use it.

Although more expensive than other similar plans, this plan offered a lot more coverage. I’m relieved we didn’t have to use it but felt safer knowing we had it if we needed it.

We had a great trip with no need to make a claim, but we knew it was there if we needed it.

After purchasing the plan we had to add additional pre-paid expenses, which increased the premium. It was easy to make the change by calling Customer Support, and the increase was reasonable.

Not having filed a claim, I cannot comment on how effective or user friendly that would be, but otherwise, good experience.

I cannot judge the efficiency of the plan
As I did not have to file a claim
But going on line and get a plan was very straight forward
Will use it again next time