InsureMyTrip Travel Insurance Review

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The website, InsureMyTrip.com, provides the necessary tools to compare and purchase travel insurance policies from the industry’s leading providers.

With just a few details like destination, dates, and the number of travelers, InsureMyTrip provides custom quotes on insurance policies tailored to a traveler’s needs.

It also offers a deep well of informative resources such as blog posts, travel tips, and user reviews for over 60,000 travel insurance policies.

The Warwick, Rhode Island firm has been in business for over 18 years and has earned top grades from both the Better Business Bureau (BBB) and Trustpilot.

The site only offers policies from highly rated insurance providers and has support services to help with filing claims and appeals for rejected claims.

In this InsureMyTrip review, we break down the site’s cost comparison features, customer service offerings, and overall reputation.

InsureMyTrip Travel Insurance Coverage and Plans

InsureMyTrip.com connects travelers with top insurance providers offering a wide range of policy options.

The site breaks down policies into categories such as comprehensive, medical, evacuation, accidental death, and group.

Comprehensive plans offer the most complete coverage and usually include:

  • Medical Costs
  • Trip Cancellations
  • Evacuations
  • Accidental Death
  • Baggage Loss and theft
  • travel and baggage delays
  • nonmedical emergencies
  • concierge services
  • 24/7 helplines

Comprehensive policies are often the most expensive, but they can be a convenient choice for travelers who want complete coverage in one plan.

For travelers who don’t need as much coverage or want to save money, InsureMyTrip offers plans that only cover medical costs, evacuations, and accidental death.

These à la carte options can be a good choice for travelers who already have some benefits through a credit card or travel club but want to round out their travel insurance.

InsureMyTrip also offers specific insurance for non-citizen U.S. residents traveling within Europe’s Schengen zone.

The Schengen zone is a collection of European nations that do not require passports for cross-border travel but do require visas and trip insurance for international travelers.

What to Look For in a Policy

insuremytrip logoInsureMyTrip makes it easy to zero in on the right plan by collecting information about your destination, travel dates, number of travelers, total trip cost, modes of travel, and accommodations.

InsureMyTrip reviews this information and provides a few competitive quotes from leading insurers.

While you may find similarities between the policies and coverage options on InsureMyTrip, it’s important to look closely at the fine print to ensure that you’re getting everything you need.

Some common variables between travel insurance policies include pre-existing medical conditions, age limitations, number of dependents covered in family plans, and exclusions for certain sports or activities.

These details are in the policy documentation for each plan, and you’ll want to read this section closely to make sure your new policy checks all the right boxes.

Also, be sure to carefully consider the benefit limits of a policy before purchasing so there aren’t any surprises getting the funds you expect during an emergency.

InsureMyTrip Travel Insurance Costs

When researching InsureMyTrip reviews, we found that most customers were able to secure competitive travel insurance rates through the site.

When you’re shopping for travel insurance, expect to spend around 4 to 8 percent of your total trip budget on insurance. This can, of course, vary depending on a number of factors each provider takes into consideration.

Some of the most common factors that may impact the costs of travel insurance are the type of policy, trip length, destination, traveler age, and special requirements like sports or auto coverage.

As previously mentioned, comprehensive plans can be more expensive than plans limited to medical coverage or evacuations.

It’s also common for providers to charge more for trips in high-risk areas that are hard to access or prone to civil unrest, natural emergencies, or widespread illnesses.

Many travel insurance plans also have maximum age restrictions. These restrictions can vary, but it’s best for travelers over 65 to call for a direct quote as some providers offer special packages for senior travelers.

Costs can increase for older travelers, but senior packages may also include additional coverage for pre-existing conditions and other benefits that appeal specifically to older travelers.

Frequent travelers may find it convenient to consider an annual travel insurance policy through InsureMyTrip.

Annual policies provide coverage for all of the trips within a calendar year with one premium.

Premiums for annual travel insurance policies are often higher than single-trip plans, but they can offer better value when compared with the cost of many individual policies.

When considering an annual travel insurance policy, it’s worth noting that some providers impose length limitations on international trips.

InsureMyTrip’s SMART Algorithm

InsureMyTrip provides customized travel insurance premium quotes using its proprietary SMART System.

The system relies on an algorithm that collects each traveler’s data and then pulls from thousands of data points from insurance providers and previous users.

Unlike some other travel sites, InsureMyTrip does not allow advertisers to purchase sponsored listings.

This makes sure that users’ results are accurate and unbiased for every search.

The site also takes its results a step further by offering custom travel recommendations with each quote.

These recommendations can include tips on traveling during different seasons, ways to save on your travel insurance, and ways to stay safe when traveling in risky areas.

Reviews and Reputation

InsureMyTrip has gained strong reviews and ratings from some of the travel industry’s most trusted watchdogs.

The site currently holds an “A+” rating with the Better Business Bureau, by whom it has been accredited since 2003.

Though there are no current InsureMyTrip reviews with the BBB, the site has earned high praise from customers on both Trustpilot and Resellerratings.com.

It currently holds a 7.9 TrustScore with Trustpilot and has a near-perfect 9.52 with ResellerRatings.

The only category in which InsureMyTrip lost points with ResellerRatings was in product and service pricing, where it scored an 8.13.

However, it’s common for prices to vary widely because there are so many different travel insurance products available.

Customer Assistance Services

InsureMyTrip offers a mix of services to help travelers choose the right travel insurance and make sure things go smoothly once they are insured.

One of the site’s strongest features is its policy comparison tools. The site initially offers three different policy options generated by the SMART algorithm.

These options are ranked as either superior, strong value, or economy. Users can then move directly to a purchase page, review policy details for each plan, or add any of them to a larger comparison chart.

These individual plan breakdowns provide a clear and detailed overview of the price, policy features, limits, and exclusions.

Learning Center

Besides InsureMyTrip’s unbiased algorithm and powerful comparisons, the site also provides a wealth of information about travel insurance.

Simply click the “Learn” tab on InsureMyTrip’s main page to access blog posts and informational articles on a wide range of topics, including the benefits of travel insurance, tips for travelers at different ages, insurance for cruises, and destination-specific information.

If you’re a less-experienced traveler or simply want to stay up to date on the newest travel insurance offerings, then InsureMyTrip’s extensive Learning Center could be worth exploring.

User Reviews

In addition to its blog posts and tips, InsureMyTrip offers over 60,000 user reviews for travel insurance policies.

Users can search for policy reviews by provider name, insurance type, and rating to gain real-world knowledge from those who have previously used a policy.

Each insurance provider is ranked for coverage, value, satisfaction, and claims.

The site drops providers that fall below a four-star rating, and those user reviews inform InsureMyTrip’s SMART algorithm.

Anytime Advocates

InsureMyTrip helps travelers even after they have purchased insurance with its Anytime Advocates program.

The site’s Anytime Advocates are customer service representatives trained specifically to work with both the client and insurance provider.

The site can help travelers collect all the needed documents and review claims forms before filing to ensure that the provider has everything it needs to process a claim quickly.

Anytime Advocates can also step in to represent a policyholder in the event of a dispute with a travel insurance provider.

According to the site, the Anytime Advocate program has helped travelers save over $1 million in appealed claims since 2009.

Financial Stability

A frequently overlooked consideration when choosing travel insurance is the financial stability of a provider or underwriter. Ideally, travel insurance is a safeguard that offers peace of mind for trips that go off without a hitch. When things go wrong, however, it’s critical that your insurance provider has the financial backing to cover you at the maximum allowances of your policy.

Most of the top travel insurance providers are backed by reputable underwriters that have earned high grades from rating firms like A.M. Best, Standard and Poor’s, Fitch, and Moody’s. It’s common for an insurance provider or underwriter to get different scores from different agencies, so don’t be too concerned if you don’t see a perfect “A+” report card. Think twice, though, if you only find negative ratings or none at all.

InsureMyTrip includes scores from A.M. Best within the policy information for each of its providers. One of the key benefits of the site is that it only works with highly reviewed providers, so it’s common to find A.M. Best ratings of “A” or higher. If you’re interested in a travel insurance policy but it does not provide any information, try calling InsureMyTrip’s Anytime Advocates. They can give unbiased opinions about the overall strengths and weakness of each provider.

InsureMyTrip Phone Number and Contact Information

  • Homepage URL: www.insuremytrip.com
  • U.S. Phone: 800-487-4722, 401-773-9300
  • Canada Phone: 800-551-1337, 401-773-9330
  • International Phone: 00 1-401-773-9330
  • Headquarters Address: 100 Commerce Drive Warwick, RI 02886
  • Year Founded: 2000

*While we make every effort to keep our site updated, please be aware that “timely” information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.