TravelSafe offers a wide variety of options, from golf-related policies to annual plans. Its single trip coverage can cover longer trips than many of its competitors with some nice built-in benefits like preexisting condition waivers and primary coverage, but charges high rates.
Business Insider compared TravelSafe to the best travel insurance companies and found it to have limited uses, held back by its high premiums. However, its policies may be of interest to golfers and people taking longer trips.
TravelSafe Travel Insurance Pros and Cons
TravelSafe Travel Insurance Pros
- Policy can be purchased by U.S. citizens living abroad
- All plans offer primary coverage
- All plans offer preexisting condition coverage
- Covers longer trips, up to 150 days
- Golfer-specific plans available
TravelSafe Travel Insurance Cons
- Medical coverage ceiling of $100,000 may be low for some travelers' needs.
- Higher premiums than average
- CFAR only available with most expensive plan
- Claims reviews from customers say performance is not always the best
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- Up to 120 days' coverage available for travelers ages 79 and under (30 days for 80+)
- Up to $2,500 per person for missed connections over three hours or more
- Trip delay coverage of up to $150 per person per day kicks in after six hours or more
- Policy can be purchased by U.S. citizens living abroad
- Medical coverage ceiling of $100,000 may be low for some travelers' needs.
- Claims reviews from customers say performance is not always the best
- A well-rounded insurance plan for travelers who are concerned about missing connections for cruise-related travel
- Classic and Basic travel insurance plans
- GolfSafe travel insurance plans provide coverage for you and your equipment
- Travel medical insurance through partner Trawick International
Compare TravelSafe Travel Insurance
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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
TravelSafe Travel Insurance Overview
TravelSafe offers thick insulation against the unpredictability of travel, offering three single trip plans. The trips that TravelSafe can insure are on the higher end of the industry, covering trips lasting up to 150 days and costing up to $100,000. TravelSafe's Classic plan also offers coverage for people who are up to 100 years old.
One standout feature of TravelSafe is that all of its plans offer primary coverage, so you can file immediately with TravelSafe for domestic travel instead of going through your health insurance provider first. Many travel insurance companies only provide primary coverage with their higher-tiered plans. TravelSafe also offers preexisting condition waivers on all its policies, even its basic plan.
That said, TravelSafe's Basic plan costs more than many travel insurance companies' most expensive plans. This brings up the issue of cost. While its plans are technically within the bounds of the average cost of travel insurance, TravelSafe certainly stretches those limits, and it's certainly more expensive than many of the best travel insurance companies.
Its premiums mean that the plan isn't going to be worth the cost for many travelers. Its exceptions are for golfers who are traveling, as TravelSafe offers golf-specific policies. Additionally, its annual plans are available at a flat rate, regardless of age.
TravelSafe Travel Insurance Plans and Coverages
TravelSafe has two main policies for those seeking travel insurance: travel insurance for stateside and international travelers and travel insurance for those who are planning golf trips. For each policy type, travelers can choose between classic and basic coverage. And golfers can choose between GolfSafe Secure and GolfSafe Secure Plus.
Here's how the three TravelSafe travel insurance plans stack up in terms of what's included and coverage limits:
| Basic | Classic | Classic (Plus) | |
| Trip cancellation | Trip cost, up to $10K | Trip cost, up to $100K | Trip cost, up to $40K |
| Trip interruption | Trip cost | Up to 150% of trip cost | Up to 150% of trip cost |
| Optional CFAR | Not available | Not available | Up to 75% of your trip cost |
| Missed connection | Up to $500 | Up to $2,500 | Up to $2,500 |
| Travel delay | $500 (6+ hours) | $750 (6+ hours) | $750 (6+ hours) |
| Preexisting condition coverage | Coverage available when purchased within 21 days of initial trip deposit | Coverage available when purchased within 21 days of initial trip deposit | Coverage available when purchased within 21 days of initial trip deposit |
| Medical coverage | Up to $35K | Up to $100K | Up to $100K |
| Emergency medical evacuation/repatriation | Up to $100K | Up to $1M | Up to $1M |
| Security and natural disaster evacuation | N/A | $25K | $25K |
| 24-hour accidental death & dismemberment | N/A | $25K | $25K |
| Optional air flight only death & dismemberment | Available | Available | Available |
| Baggage & personal effects | Up to $500 | Up to $2,500 | Up to $2,500 |
| Baggage delay | Up to $100 | Up to $250 | Up to $250 |
| Optional rental sports equipment damage | Available | Available | Available |
| Optional rental car damage | Available (not for MA residents) | Available (not for MA residents) | Available (not for MA residents) |
| 24-hour worldwide assistance services | Included | Included | Included |
TravelSafe also offers specific golf insurance plans, which is something incredibly unique among travel insurance companies. If you're an avid golfer, purchasing golfing insurance will cover things like lost holes, something regular travel insurance won't. TravelSafe's golf insurance plan benefits are as follows:
| GolfSafe Secure | GolfSafe Secure Plus | |
| Trip cancellation | Up to 100% of trip cost | Up to 100% of trip cost |
| Airline reissue or cancellation fees coverage | Up to $100 | Up to $100 |
| Coverage of fee to reinstate frequent traveler awards | Up to $500 | Up to $500 |
| CFAR | N/A | 75% of trip cost |
| Trip interruption | Up to 150% of trip cost | Up to 50% of trip cost |
| Itinerary change for prepaid excursions | Up to $250 | $Up to 250 |
| Trip delay | Up to $750 ($150 per day) | Up to $750 ($150 per day) |
| Missed connection | Up to $2,500 | Up to $2,500 |
| Golf obligation | Up to $250 | Up to $250 |
| Lost golf rounds | Up to $500 | Up to $500 |
| Accidental death & dismemberment principal sum | Up to $25K | Up to $25K |
| Optional accidental death & dismemberment for common carrier (air only) | Amount shown on your confirmation | Amount shown on your confirmation |
| Emergency accident and sickness medical expense | Up to $100K | Up to $100K |
| Dental expenses | Up to $750 | Up to $750 |
| Emergency evacuation | Up to $500,000 | Up to $500,000 |
| Hospital companion | Up to $5,000 | Up to $5,000 |
| Repatriation of remains | Up to $500,000 | Up to $500,000 |
| Baggage/personal effects | Up to $2,500 ($250/ article, $600 combined article limit) | Up to $2,500 ($250/ article, $600 combined article limit) |
| Baggage delay | Up to $250 | Up to $250 |
| Sports equipment rental | Up to $500 | Up to $500 |
| Property damage | Up to $2,500 | Up to $2,500 |
TravelSafe Annual Plans
TravelSafe has three annual plans: Standard, Enhanced, and Superior. All plans cover an unlimited number of trips as long as they're 30 days long or shorter. The plans increase in coverage with each tier. Here are the following benefits:
| AnnualSafe Standard | AnnualSafe Enhanced | AnnualSafe Superior | |
| Trip cancellation | Up to $3K per policy term | Up to $5K per policy term | Up to $7,500 per policy term |
| Trip interruption | Up to $3K per policy term | Up to $5K per policy term | Up to $7,500 per policy term |
| Trip delay | Up to $250 per trip; $150 per day | Up to $500 per trip; $200 per day | Up to $750 per trip; $250 per day |
| Itinerary change | N/A | Up to $300 per trip | Up to $300 per trip |
| Travel medical coverage | Up to $10K per trip | Up to $20K per trip | Up to $50K per trip |
| Emergency dental | Up to $500 per trip | Up to $750 per trip | Up to $1K per trip |
| Emergency evacuation/repatriation | Up to $40 per trip | Up to $100K per trip | Up to $250K per trip |
| Transportation for dependent children | Included | Included | Included |
| Transportation to join you | Included | Included | Included |
| Return of mortal remains | Included | Included | Included |
| AD&D 24-hours | Up to $10K per trip | Up to $15K per trip | Up to $25K per trip |
| Baggage and personal effects | Up to $500 per Trip; $100 per item; $250 combined limit for valuables | Up to $750 per Trip; $150 per item; $250 combined limit for valuables | Up to $1K per Trip; $250 per item; $500 combined limit for valuables |
| Baggage delay (12 hours) | Up to $100 per trip | Up to $200 per trip | Up to $250 per trip |
| Travel assistance | Included | Included | Included |
Additional coverage options from TravelSafe Travel Insurance
TravelSafe offers several optional coverages for its travelers:
Rental car damage and theft coverage: Available for both Basic and Classic plans, this add-on covers up to $35,000 per covered vehicle.
Business and sports equipment rental: Also available for both TravelSafe plans, your rental equipment is covered for up to $1,000.
CFAR coverage: Only available for Classic+, you'll receive 75% of your nonrefundable trip costs. You must purchase your policy within 21 days of your initial trip deposit.
TravelSafe Travel Insurance Cost
The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.
After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for TravelSafe plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.
Now let's look at a few examples to estimate TravelSafe coverage costs.
A 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following travel insurance quotes:
- Basic: $121
- Classic: $159
- Classic (Plus): $297
Premiums for TravelSafe plans are between 4% and 9.9% of the trip's cost, within and above the average cost of travel insurance.
TravelSafe provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:
- Basic: $165
- Classic: $219
- Classic (Plus): $407
Once again, premiums for TravelSafe plans are between 4.1% and 10.2% of the trip's cost, within the expected range of travel insurance costs.
A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:
- Basic: $550
- Classic: $726
- Classic (Plus): $1,719
TravelSafe plans cost between 2.8% and 8.6% of the trip's cost, below and within the average cost of travel insurance.
A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:
- Basic: $502
- Classic: $620
- Classic (Plus): $1,014
Premiums for TravelSafe plans are between 8.4% and 16.9t%, which is well the average cost for travel insurance. While older travelers should expect higher premiums, these prices are on the higher end of what you should be paying.
TravelSafe Annual Plan Cost
TravelSafe's annual plans cost a flat rate, regardless of your age. They are as follows:
- AnnualSafe Standard: $175
- AnnualSafe Enhanced: $450
- AnnualSafe Superior: $829
Purchasing and Managing a TravelSafe Travel Insurance Policy
Purchasing a TravelSafe policy is fairly simple. You'll first need to obtain a quote through TravelSafe's website. Be prepared to provide the following details:
- State of residence
- Destination(s)
- Departure/return dates
- Date of initial deposit
- Total trip cost
- Number of travelers
- Birthday of traveler(s)
Once you obtain a quote and pick your plan, you'll enter some additional information about yourself, such as your address and contact information.
Note: All TravelSafe policies come with a 14-day look period in which you can cancel the policy and receive a full refund.
How to File a Claim with TravelSafe Travel Insurance
If you experience a loss while insured by TravelSafe, you need to act quickly. You have 20 days after the loss to notify TravelSafe, at which point an agent will send you forms for filing proof of loss. If TravelSafe don't send a form within 15 days, you can send your own written statement about what happened along with proof. This must be completed within 90 days of the loss.
You have several options if you need to file a claim for TravelSafe.
If you need emergency help, you can call its toll-free numbers below.
- Toll-free (US-only): 1-877-539-6729
- Direct: 1-727-475-2808
If you're international, call the following toll-free number: 1-866-509-7713.
Note: If TravelSafe doesn't pay out within 30 days of receiving proof of loss, your payout starts to accrue interest at 9% APY.
TravelSafe Travel Insurance Customer Reviews and Ratings
Almost all reviews for TravelSafe are concentrated on its SquareMouth page, where it has an average rating of 4.3 stars out five across over 1,500 reviews. Though an overall positive score, it's worth mentioning that most of the positive reviews come from people who didn't have to file a claim. Some of these reviews mentioned having to alter their insurance plan, which was an overall positive experience.
However, many of the reviews that mention the claims process are negative. Customers mentioned long wait times, uncommunicative claims representatives, and little guidance during the claims process. Additionally, while many travel insurance companies regularly engage with reviews, both positive and negative, TravelSafe rarely replies to customer reviews.
Let's look at third-party ratings for a more balanced perspective on TravelSafe.
The National Association of Insurance Commissioners' complaint index rates insurance companies based on how many complaints they receive against its share of the market. A 1.00 means that a company has an expected number of complaints based on its size. A lower score indicates fewer complaints than expected and a higher number indicates more complaints than expected.
TravelSafe policies are underwritten by United States Fire Insurance Company, which scored 0.27, indicating that it has far fewer complaints than expected.
TravelSafe Travel Insurance Alternatives
Learn more about how TravelSafe travel insurance compares against top insurers.
TravelSafe Travel Insurance vs Faye Travel Insurance
Faye Travel Insurance is a completely digital travel insurance company. Unlike TravelSafe, Faye completely covers all cruise travel. Faye Faye Travel Insurance doesn't cover golf trips as TravelSafe does. They have similar amounts of coverage, but Faye is about $20 cheaper for its comparable international plans.
Faye covers your trip, your health, and your belongings just like TravelSafe does. But with Faye, you can add different things that meet your needs, like car rental, extreme sports, and pet care.
Read our Faye travel insurance review.
TravelSafe Travel Insurance vs World Nomads Travel Insurance
TravelSafe is an excellent option if you're traveling and participating in regular activities, like trying different foods and basic activities, like taking a train to places. But if you want to do extreme sports, it might not be the right coverage for you. Instead, consider getting a travel insurance plan like World Nomads Travel Insurance. World Nomads covers over 100 different extreme sports, and you can specifically add on different sports that you want to try. It's a better coverage insurance plan for someone who's a little bit more adventurous.
That said, if you're only planning on doing a specific activity, like golfing, TravelSafe has a plan for you. They cover golfing trips specifically with more coverage than World Nomads.
Read our World Nomads travel insurance review.
Why You Should Trust Us: How We Reviewed TravelSafe
To evaluate TravelSafe travel insurance, Business Insider reviewed the following factors.
Coverage amounts: We consider the policies available, what they cover, and how much coverage they offer. We like to see a variety of options available, with a great deal of flexibility to cover as many needs and customers as possible.
Inclusions/Exclusions: We consider common inclusions and exclusions, and how much customers have to pay for certain benefits. For example,
TravelSafe offers preexisting condition waivers with all its plans. However, it only offers CFAR with its most expensive tier.
Cost: We obtain quotes for a variety of travelers, including single travelers, families, couples, and older travelers. We see how the quotes compare to the standard costs of travel insurance, which is between 4% and 8% of your total trip cost. We also pay attention to any savings opportunities travelers can take advantage of, like discounts for children.
Customer service: We consider how a company treats its customers by looking at online customer reviews on sites like Trustpilot, SquareMouth, and the Better Business Bureau. We also look at ratings from third-party organizations like the NAIC and AM Best. We look at any customer service features a company offers, like 24/7 helplines.
Unique features: We look to see if a company has any unique features or benefits.
Read more about Business Insider's travel insurance ratings methodology.
FAQs
Is TravelSafe travel insurance reliable for international trips?
Yes, TravelSafe travel insurance is known for providing reliable coverage for international travel, including medical emergencies and trip interruptions.
Can I purchase TravelSafe travel insurance for last-minute travel?
TravelSafe travel insurance allows the purchase of travel insurance up until the day before departure, however you won't qualify for preexisting condition coverage.
Does TravelSafe travel insurance cover trip cancellations due to COVID-19?
TravelSafe travel insurance offers policies that include coverage for trip cancellations due to COVID-19, but it's important to review the specific terms and conditions of each plan.
How does TravelSafe travel insurance handle claims and reimbursements?
Claims with TravelSafe travel insurance are generally handled efficiently, with a straightforward process for filing and tracking claims, and timely reimbursements according to customer feedback.
Can I add adventure sports coverage to my TravelSafe travel insurance policy?
Yes, you can add adventure sports coverage to your TravelSafe travel insurance policy.
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