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Filed claim
The trip included a
cruise
tour
C&F Travel Insured International FlexiPAX
Due to a cancellation of our transatlantic flight caused by a mechanical issue, we were delayed by 25 hours in getting to our destination, which caused us to miss the sailing of an expedition cruise by just 1 hour. Despite having trip interruption insurance and additional coverage for interruption for ANY reason, we found out the hard way that “any reason” doesn’t truly mean any reason.

Their interruption insurance doesn’t start until 72 hours after the initial travel date and doesn’t cover mechanical delays unless they exceed 48 hours. This makes the insurance pretty much useless when you’re trying to catch a cruise. How many cruises does someone catch where the ship leaves after 72 hours of starting travel? Of course, the insurance company is well aware of this and results in fewer claims being paid.

Had these limitations been prominently displayed, I would never have purchased this policy. Instead, they were buried in 1365 words of fine print, which required a thorough search to uncover.

As a result, the policy only paid $1,000 of my $19,000 claim. I’ve been using InsureMyTrip.com for decades without ever needing to make a claim due to a cancellation, but this experience has shown me that when you actually need the insurance, it may not be there for you.

This situation is a prime example of not being forthcoming with critical coverage details. According to the Federal Trade Commission (FTC) guidelines, advertisements must be truthful and not misleading, including the fine print, which should not contradict the main message. The FTC’s Deception Policy Statement specifies that an ad is deceptive if it contains a statement—or omits information—that is likely to mislead consumers acting reasonably under the circumstances and that this information is material to their decision-making process. The lack of clear and conspicuous disclosures in the policy details is a violation of these guidelines, which require that important details not be hidden in fine print or made difficult to understand. Companies must back up their product claims with reliable evidence, and failing to do so can result in significant penalties. Our experience exemplifies the consequences of not being forthcoming with critical coverage details.

I hope this review helps others make more informed decisions and highlights the need for transparency in travel insurance policies.
Richard K. would not recommend this plan to a friend or relative.
8 of 8 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
tour
C&F Travel Insured International Worldwide Trip Protector
Purchased pre-existing coverage which I choose on all trips. FYI: ALWAYS read the policy in full. I had to cancel due to anxiety & filed a claim. I received a call and found out my claim was denied. Anxiety is considered a mental problem and is not covered unless you are hospitalized. I was not hospitalized, so no coverage for my claim. Almost 9K out of pocket.
Peggy S. would not recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Mike
    Photo
    Thank you for your feedback on your policy. We are sorry to learn that you had to cancel your trip. The C&F Travel Insured International Worldwide Trip Protector plan does not cover claims related to: a mental or nervous condition, unless hospitalized for that condition while the Policy is in effect for You. This exclusion is a standard exclusion in most, if not all travel insurance plans. We strongly recommend customers read the terms and conditions of the policy within the review period to determine if the policy fits your needs. If the policy does not fit your needs, it can be cancelled within the review period for a refund of premium. Please call us at 800-487-4722 if you have any questions or concerns.

    We have also forwarded this to the insurance provider and they have responded with the following:
    "We sincerely apologize for any frustrations you may have experienced. Please reach out to us at 1-800-243-3174 and we would be happy to clarify any questions you may have regarding your claim, and our policy language. Thank you for your patience. "
    Dec 27,2018
C&F Travel Insured International Worldwide Trip Protector Plus
Had to file few claims: 1) travel cancellation (one person got sick during the trip and couldn't make prepaid tours). It was a little hassle to get proper documentation from the doctor but at the end, we received compensation from CF. 2) Lost baggage (an expensive item was lost during travel). This claim was processed fast without too much back and forth hassle. Overall, price of the policy is decent and I am glad we had it since, unfortunately, we had to use it this time.
I recommend CF and will be using it in the future
Svetlana R. would recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
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