Founded in 2000, InsureMyTrip is the first major travel insurance comparison site to hit the market. It partners with a wide selection of travel insurance companies and is one of the go-to places to find travel insurance customer reviews.
Business Insider compared InsureMyTrip to the best travel insurance companies and found it to be a decent option, though it falls behind its closest competitors. Its options aren't as varied as SquareMouth's, and its policy descriptions aren't as detailed as VisitorsCoverage's.
InsureMyTrip Travel Insurance Pros and Cons
InsureMyTrip Travel Insurance Pros
- Site hosts travel insurance customer reviews
- Anytime advocates can contact customer service and assist in claims processing
InsureMyTrip Travel Insurance Cons
- Site does not facilitate claims filing
- Limited selection of travel insurance providers (15 companies)
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- Connects customers to a range of the most popular travel insurance providers
- Site prioritizes travel insurance providers by customer reviews
- Site does not facilitate claims filing
- InsureMyTrip customer service is limited
- Company does not provide its own travel insurance packages
Compare InsureMyTrip Travel Insurance
$308
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- Zero Complaint Guarantee
- Streamlined comparison platform
- Variety of partnered travel insurance companies
- Customer service team is difficult to reach
SquareMouth is an online marketplace that helps you choose a travel insurance policy from 32 companies that shares a comprehensive, streamlined overview page for each insurance provider.
SquareMouth Travel Insurance
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- Policy coverage includes most pre-existing health conditions
- Generous medical and evacuation amounts for peace of mind
- COVID coverage included by default on all insurance plans
- Offers a wide range of plans for various budgets and travel needs
- Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
- Limited add-on coverage options
- Baggage loss and delay coverage is low compared to competitors
Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.
Tin Leg- Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.
- Options to cover sports equipment
- Option to increase medical coverage
- Can cancel up to 48 hours before travel when CFAR option is purchased
- Affordable coverage for budget-conscious travelers
- Includes generous baggage delay, baggage loss, and trip delay coverage
- Optional "adventure activities" bundle available for riskier activities
- Pricier than some competitors with lower coverage ceilings
- Some competitors offer higher medical emergency coverage
Travelex travel insurance is one of the largest travel insurance providers in the U.S. providing domestic and international coverage options. It offers Essential, Advantage, Ultimate, and Travel Med Go options. Read on to learn more.
Travelex Travel Insurance- Optional CFAR insurance available with the Ultimate plan
- Travel delay insurance starting at $500 with the Advantage plan
- Emergency medical and dental coverage starting at $15,000
InsureMyTrip Travel Insurance Overview
InsureMyTrip is a travel insurance broker, which means it doesn't offer its own travel insurance. Instead, InsureMyTrip lets you compare policies from 25 of the industry's best travel insurance companies to select the best coverage for your needs. You can also buy, manage, and cancel your insurance policy through InsureMyTrip.
InsureMyTrip also has a customer service team called Anytime Advocates, which can help you file or facilitate a claim. Having an extra set of eyes on your claim may help you receive a response faster than if you were to take on your travel insurance claims office on your own. However, the travel insurance provider has the final say, so claim denials are very rarely overturned.
Even if you prefer to purchase an insurance policy directly from your provider, InsureMyTrip is worth a visit solely for its customer reviews. You can read reviews by specific plan and whether a claim was filed. This is a great feature in a travel insurance marketplace, getting honest insight into how well a company works.
InsureMyTrip Travel Insurance Plans and Coverage
When you InsureMyTrip, you'll be able to see all the plans that apply to your travel details and personal information. You can opt to only see the following policy types:
- Comprehensive
- International Medical
- Medical Evacuation
- Embassy Visa
- Accidental Death
Once you obtain your list of quotes, you can opt to see limits and terms for specific coverages, such as trip cancellation, emergency medical, evacuation, and preexisting condition coverage. You can also receive quotes on annual travel insurance policies, if you intend to go on more than one trip this year.
Here are some more terms that InsureMyTrip offers with its services.
Best Plans Guarantee
First, InsureMyTrip's Best Plans Guarantee ensures that only plans with multiple positive ratings and reviews are shown to its consumers. The company provides a forum to allow past customers to share their experiences with specific providers. The insurance providers get a grace period to collect enough reviews. After the grace period expires, the site's offerings are filtered based on the feedback received, with the highest-rated plans receiving the highest ratings.
In short, you're free to choose your travel insurance, but InsureMyTrip's site prioritizes the companies consistently performing well, making it easier to find travel insurance companies you'll love.
Price Guarantee
All travel insurance is regulated state by state. So as InsureMyTrip points out on its website, offering discounts on these products is illegal. With that in mind, the company promises to show you the lowest prices while remaining legally compliant, meaning you won't find a (legal) lower price anywhere else.
Money Back Guarantee
You can cancel your InsureMyTrip travel insurance plan during your review period and get your money back if you're unhappy. However, there are a few caveats to the guarantee
First, the company states that each cancellation and refund policy differs by the provider, and you'll likely be subject to those terms. Additionally, some travel insurance providers may charge an administrative fee, which is typically not eligible for a refund.
InsureMyTrip Travel Insurance Cost
Obtaining a quote through InsureMyTrip and buying a policy through InsureMyTrip are both completely free
The cost of travel insurance can vary widely depending on several factors, including the trip destination, trip duration, trip cost, the age of the travelers, the provider, the plan chosen, and any additional coverage options selected.
The average travel insurance plan costs 4-8% of your total trip cost. Like your flight tickets, hotels, etc., prices fluctuate depending on your location, time of year, and more. The best way to compare the average cost of travel insurance for your plans is by comparing quotes online.
Purchasing and Managing a Policy With InsureMyTrip Travel Insurance
You can get a quote from InsureMyTrip's website by inputting the following information:
- Destination
- Travel Dates
- Citizenship and Residence
- Number of travelers and their ages
- Trip cost
- Trip details (taking a flight, cruise, renting a vacation home)
Once you're taken to the quotes page, you can compare policies and sort your search by price, popularity, and rating.
How to File a Claim with InsureMyTrip Travel Insurance
You'll need to work directly with your insurance provider if you have to file a claim. However, InsureMyTrip makes it easy to access the correct contact information and claims forms.
You can find your provider's information by navigating to the "File a Claim" page on InsureMyTrip.com. Then, select your insurance provider and policy from the drop-down menu. Typically, InsureMyTrip will provide each insurer's phone number, emergency contact line, and mailing address. When available, it also lists email addresses and URLs for claims forms.
If you encounter any issues with your provider's claims process, you can email InsureMyTrip's Anytime Advocates at customercare@insuremytrip.com. They can communicate with your provider on your behalf, though
InsureMyTrip Travel Insurance Customer Reviews and Ratings
InsureMyTrip received an average rating of 4.2 stars out of five from Google Maps reviews of its headquarters in Rhode Island. It also has an average rating of 4.8 on its Trustpilot page.
Most of the negative reviews of InsureMyTrip talk about a claims issue with their providers, which InsureMyTrip doesn't directly control.
InsureMyTrip regularly responds to negative reviews, offering phone numbers and emails that customers can call for help with their policies.
InsureMyTrip Travel Insurance Alternatives
InsureMyTrip vs. SquareMouth
SquareMouth is one of the leading travel insurance aggregators, listing policies from 32 companies compared to InsureMyTrip's 15 companies. SquareMouth also lists options online for group travel insurance policies, which InsureMyTrip only quotes for when you call their customer service line.
Both InsureMyTrip and SquareMouth allow you to purchase, manage, and cancel a policy on their platforms. You'll have to file claims directly with your insurer, but both companies offer ways to facilitate customer claims.
InsureMyTrip has an Anytime Advocates team, which can help customers with filing claims or facilitate an existing claim. SquareMouth has a Zero Complaint Guarantee, which promises that they'll act as a mediator if a customer feels that a claim was denied unfairly.
Read our SquareMouth travel insurance review.
InsureMyTrip vs. VisitorsCoverage
InsureMyTrip and InsureMyTrip both partner with 15 insurance providers, offering descriptions of their policies and allowing you to compare quotes for your trip.
VisitorsCoverage does a better job summarizing policy terms, offering eligibility details like max trip length and age limits, which InsureMyTrip lacks. It also offers more search filters, allowing travelers to select search options for students studying abroad, business travelers, and U.S. green card holders. That said, VisitorsCoverage does not field customer reviews.
VisitorsCoverage also has a more attentive customer service team, regularly responding to customer reviews on its Trustpilot page, typically within one or two days of the initial review.
Read our VisitorsCoverage travel insurance review.
Why You Should Trust Us: How We Reviewed InsureMyTrip Travel Insurance
Because InsureMyTrip isn't a travel insurance provider, we reviewed it differently than our standard travel insurance methodology.
When reviewing InsureMyTrip, we looked at the number and variety of its insurance partners and compared it with other competing insurance brokers. We also looked at how detailed InsureMyTrip is with its descriptions.
We looked at the providers listed on its website, the assurances it offers, and customer reviews.
You can read more about how we rate travel insurance products here.
FAQs
Does InsureMyTrip offer a wide range of travel insurance options?
Yes, InsureMyTrip offers travel protection insurance from 25 travel insurance companies, with search customizations like medical-only, Schengen Visa insurance, and AD&D insurance.
How user-friendly is the InsureMyTrip travel insurance platform?
InsureMyTrip has a very user-friendly travel insurance comparison platform, streamlining the insurance purchasing process and allowing travelers to compare all plans available for their trip.
Can I search for adventure sports coverage through InsureMyTrip travel insurance?
No, InsureMyTrip travel insurance does not have a search refinement for adventure sports.
Is InsureMyTrip travel insurance's customer service effective?
Yes, InsureMyTrip travel insurance has effective customer service, regularly responding to customer reviews.
What advantages does using InsureMyTrip offer over going directly to insurance providers?
InsureMyTrip offers the advantage of comparing multiple insurance plans from different providers in one place, simplifying the process of finding the best coverage and best rates.
Partner offer: Find the best travel insurance policy for your needs and avoid costly surprises. Learn more about travel insurance here.
