Pros & Cons
Overview
Plans & Coverage
Our Take: Travel Insured International offers strong value for families, pre-existing condition coverage across all plans, and customization options for complex itineraries. However, its plans often cost more than comparable options.
Pros & Cons of Travel Insured International
- Extremely customizable plans; a standout provider on our site
- No extra charge to add kids under 18 onto certain plans
- Primary medical insurance with pre-existing coverage available on all plans
- A long 21-day window lets you easily qualify for Cancel For Any Reason (CFAR) and pre-existing condition coverage
- With the shortest time period for claiming Baggage and Trip Delay (3 hours), even short delays trigger reimbursement
- Excellent customer satisfaction ratings (6th highest-rated provider on our site)
- Ranks among the more expensive providers on our site
- All but one plan exclude adventure and extreme activities
- Low reimbursement amounts on baggage insurance and missed trip connection
- Customer complaints about extensive paperwork and delays during filing process
Is Travel Insured International a Good Company to Go With?
Travel Insured International is a great option for families, people with pre-existing conditions, and those looking for highly customizable coverage from a provider with strong customer service.
Founded in 1994, Travel Insured International has over 30 years as a reliable travel insurance provider. It holds an A.M. Best rating of A (Excellent) and an A+ Better Business Bureau rating.
More than 4,000 customers on Squaremouth have given it an Excellent rating for customer service.
What Makes It Such a Good Provider?
Travel Insured International stands out from other providers in several ways:
- It features some of the most customizable plans on our site, with the option to add benefits like CFAR and Rental Car Damage, and to increase limits for many benefits. This enables you to get the coverage you need on specific benefits without having to pay for a high-priced plan.
- All its plans offer primary medical coverage, which means you can file directly with the insurer rather than having to file through your personal health insurance.
- Its 21-day purchase window for a pre-existing condition waiver is one of the longest periods on our site, giving customers ample time to purchase coverage.
- Families can add children at no extra cost, making it an especially good value for family trips.
- It offers 24-7 Travel Assistance to all policyholders, including concierge services, translation support, medical referrals, and assistance for time-sensitive emergencies. This is a big reason why it’s one of the highest rated providers on our platform.
However, its plans tend to cost more than average for travelers who aren’t traveling with children, and it’s not the best option for people looking for low-cost coverage.
Recent Travel Insured International Reviews from Squaremouth Customers:
What Plans Does Travel Insured International Sell on Squaremouth?
Travel Insured International offers 4 comprehensive travel insurance plans on Squaremouth, with increasing levels of benefits and pricing:
-
Worldwide Trip Protector Edge:
A budget plan for comprehensive travel insurance with very low medical coverage. It’s best for budget-conscious travelers on short, domestic trips who are already covered by health insurance. -
FlexiPAX:
A mid-tier comprehensive travel insurance plan that meets our recommended limits for medical coverage, including $500,000 in Medical Evacuation and $100,000 in Emergency Medical coverage that covers pre-existing conditions. It’s one of the most popular plans on our site and our top pick for a wide array of travel needs, including family travel, luxury travel, and travel medical coverage. Its customization options allow you to match benefits on higher- priced plans for a lower price. For instance, you can increase your medical limit to $500,000. -
Worldwide Trip Protector:
A strong comprehensive plan with the shortest Baggage and Travel Delay times of any plan on our site, plus up to $1 million in Medical Evacuation. It’s best for travelers with tight connections and cruisers who want a high limit on Medical Evacuation without a lot of extras. -
Worldwide Trip Protector Plus:
A luxury travel plan with up to $1 million in Medical Evacuation coverage. It’s one of only 2 plans on our site with built-in CFAR and IFAR coverage, making it the best option for travelers with high-priced trips who want the greatest flexibility to cancel.
Ready to explore your options? Compare Travel Insured plans against other top providers.
Who Is Travel Insured International Best For?
Travel Insured International is a strong option for people looking for customizable coverage and benefits tailored to specific needs. Its plans may be particularly well-suited for:
-
Families:
FlexiPAX plan is our top travel insurance plan for families traveling with children. You can add up to 9 children per adult to your plan for no extra charge. -
Cruisers:
Several plans offer high Medical Evacuation limits, as well as aMissed Connection benefit that covers cruises. Its Worldwide Trip Protector and Trip Protector Plus plans offer up $1 million for Medical Evacuation. -
Seniors:
All plans come with pre-existing condition coverage, and 3 out of 4 plans offer an extremely long 21-day window to purchase coverage. FlexiPAX also allows you to increase medical limits for additional protection. -
Travelers With Many Connections:
The Worldwide Trip Protector plan is a strong choice for travelers with complex itineraries where flights or baggage could be delayed. Its 3-hour Baggage Delay window is the shortest of any plan on our site, and it has an equally short 3-hour window for Travel Delay. -
Travelers Who Want More Flexibility to Cancel:
3 out of 4 plans on our site offer CFAR with a 21-day purchase window. CFAR is a built-in benefit on Worldwide Trip Protector Plus, while it’s an optional upgrade on other plans. -
Budget Travelers on Short, Domestic Trips:
The Edge plan is a strong choice for domestic travelers who want basic travel insurance, including Medical Evacuation coverage, and don’t need Emergency Medical insurance, which has a low limit.
Who Should Consider Other Options?
Travel Insured International’s high premiums and limits on some benefits make it less suitable for:
-
Travelers carrying expensive items:
Its Baggage Loss coverage has a strict $250-per-item cap and $500 total limit for valuables, which means you won’t be fully covered for expensive items like cameras and laptops. It’s also one of few providers that explicitly excludes professional and occupational equipment. -
Budget travelers on international trips:
Its budget Edge plan has very low medical limits, and isn’t a good fit for international travel. Meanwhile, its other plans tend to be much more expensive than average. -
Adventure travelers:
All plans but Trip Protector Plus broadly exclude adventure and extreme activities, which means they are not a good choice for trips with riskier activities like scuba diving and snorkeling. The Trip Protector Plus plan has a narrower exclusion on specific activities including mountaineering, skydiving, heli-skiing, spelunking, and scuba diving below 120 feet.
What Do Travel Insured International Plans Cover?
All Travel Insured international plans include primary Emergency Medical coverage and high limits on Medical Evacuation. Plans also include other common travel insurance benefits such as Trip Cancellation, Trip Interruption, Baggage Loss, and Travel Delay. 3 out of 4 plans on our site offer CFAR coverage.
| Plan | Medical |
Evacuation & Repatriation |
Trip Cancellation | Trip Interruption | CFAR Option |
|---|---|---|---|---|---|
| Worldwide Trip Protector Plus | $100,000 Primary | $1,000,000 | 100% of the trip cost | 150% of the trip cost | |
| Worldwide Trip Protector | $100,000 Primary | $1,000,000 | 100% of the trip cost | 150% of the trip cost | |
| Worldwide Trip Protector Edge | $10,000 Primary | $100,000 | 100% of the trip cost | 100% of the trip cost | |
| FlexiPAX | $100,000 Primary | $500,000 | 100% of the trip cost | 150% of the trip cost |
Is Travel Insured International Good for International Travel?
Yes, Travel Insured International is well-suited for international travel thanks to strong medical coverage, evacuation benefits, optional upgrades, and flexible plan options that can be tailored to a long overseas trip. Its mix of emergency medical, trip-delay, baggage protection, and 24/7 global assistance makes it a good candidate for travelers heading abroad.
Visit our Best International Travel Insurance Companies list for a full rundown of some of the most popular plans among international travelers.
How Does Travel Insured International Compare to Other Providers?
Travel Insured International’s plans tend to be more expensive than comparable policies, while having slightly lower medical lower limits and subpar Baggage Loss insurance. But it’s a strong choice for pre-existing condition coverage, primary Emergency Medical coverage, and flexible customization options. Its WorldWide Trip Protector also has some of the shortest windows for Trip Delay and Baggage Delay.
Compared to similar plans from IMG, Tin Leg, and WorldTrips, Travel Insured International’s popular FlexiPAX plan has higher pricing on average, with equal or lower medical limits. However, FlexiPAX offers more flexibility to customize your coverage and can cost less for families, because you can add on children under 18 without increasing the premium.
| Travel Insured International FlexiPAX | IMG iTravelInsured Choice | Tin Leg Silver | WorldTrips Elevate | |
|---|---|---|---|---|
| Emergency Medical | $100,000/person Primary | $100,000 Primary | $250,000 Secondary | $250,000 Secondary |
| Medical Evacuation | $500,000/person | $500,000/person | $1,000,000/person | $1,000,000/person |
| Pre-Existing coverage | Within 21 days of trip deposit | Within 21 days of trip deposit | Within 14 days of trip deposit | Within 21 days of trip deposit |
| CFAR Upgrade? | Yes | No | No | Yes |
| Other Upgrade Options? | Yes, including higher Emergency Medical limit | No | Yes | Yes |
| Average Premium for Plan | $497.61 | $345.82 | $323.62 | $390.28 |
Can I Customize My Travel Insured International Plan?
Travel Insured International is one of few providers on our site, along with Aegis and battleface, that allow you to make fine-grained adjustments to benefits on a plan. Depending on the plan, you can add benefits like CFAR and IFAR or increase limits for certain benefits, including Emergency Medical.
Add-on Coverages
- CFAR up to 75%
- IFAR up to 75%
- Cancel For Work Reasons
- Rental Car Damage
Increased Limits
- Increased Emergency Medical limit
- Increased Trip Delay limit
- Increased Baggage Delay limit
- Increased Baggage Loss limit
Is Travel Insured International Worth the Cost?
With an average premium of around $300 for its comprehensive plans, Travel Insured International costs more than other providers on our site. However, it can be worth it if you’re looking for comprehensive protection, strong medical coverage and highly-rated customer support.
These plans are especially worthwhile for families with kids under 18, as kids can be covered for free under its policies. Travel Insured International also offers relatively low-priced medical-only plans with primary Emergency Medical coverage and high limits.
* The average premium is calculated using the last 12 months of sales, not including trip cancellation, for consumers ages 20 to 59, with a trip length between 4 to 16 days.
* The average premium is calculated using the last 12 months of sales, including trip cancellation, for consumers ages 20 to 59, with a trip cost between $5,000 - $9,999.
However, if you’re looking for lower-priced coverage, or plans with higher medical limits, consider the alternatives below:
Alternatives to Travel Insured International
| IMG | Tin Leg | WorldTrips | |
|---|---|---|---|
| Overall Coverage | Extensive international medical coverage with high limits is ideal for expats, missionaries, and remote workers. Specialized plans for unique needs like student and mission travel, plus options for hazardous sports coverage. |
Comprehensive high limits for medical and trip interruption | Comprehensive high limits for medical and trip interruption |
| Cost | Competitive pricing, especially for medical-heavy plans. | Competitive pricing, especially for comprehensive plans | Competitive pricing, especially for comprehensive plans |
| Customer Rating | 4.2 Good | 4.5 Very Good | 4.2 Good |
| AM Best Rating | A (Excellent) | A++ (Superior) | A (Excellent) |
| Unique Benefits | Layoff and financial default coverage. | Layoff and work reason cancellation, financial default coverage | Competitive pricing, especially for comprehensive plans | Insurance Partners | Backed by SiriusPoint America Insurance Company, United States Fire Insurance Company, and SiriusPoint Specialty Insurance Corporation. | Backed by Berkshire Hathaway Specialty Insurance Company, Starr Indemnity & Liability Company, and Spinnaker Insurance Company. | Backed by TMHCC (CI) Insurance SPC Ltd. and U.S. Specialty Insurance Company. |
FAQs: Travel Insured International
Yes, Travel Insured International’s FlexiPAX policy is our top choice for family travel. This plan protects up to 9 children under the age of 18 at no additional cost. This makes it one of the most family-friendly policies available on Squaremouth. Most of Travel Insured’s plans also include high medical coverage limits in case someone in your family gets ill or injured during your trip.
Visit our Best Travel Insurance for Families page for a full breakdown of FlexiPAX and other top family-friendly policies.
Yes, Travel Insured International’s FlexiPAX policy offers free coverage for children under the age of 18. Parents can insure up to 9 children per insured adult. This can offer great savings to parents or grandparents traveling with young kids.
Other Travel Insured plans, such as Worldwide Trip Protector Platinum and Deluxe, also offer free coverage for children. However, these plans are not currently available on Squaremouth.
Yes, Travel Insured is known for its customization. Most of their plans allow you to enhance your policy with add-ons like CFAR, IFAR, and Rental Car Damage protection. FlexiPAX also allows you to increase coverage limits for benefits like Emergency Medical, Medical Evacuation, Baggage Loss, and Baggage Delay through various ‘Upgrade Bundles’ that can be applied at checkout.
Yes, all of the Travel Insured International policies provide a pre-existing condition waiver to eligible customers. To qualify for this coverage, you must meet strict eligibility requirements, such as purchasing your policy within the time-sensitive window.
Depending on the plan you choose, this window lasts 14-21 days after you purchase your policy. Other requirements can be found within a plan’s Certificate of Insurance.
Yes, Travel Insured International does offer an annual travel insurance plan, which is named Annual Multi-Trip Protector. However, this policy is currently unavailable on Squaremouth.
Travel Insured International is owned by Crum & Forster, an insurance company with more than 200 years of experience in insurance underwriting. Its insurance policies are underwritten by United States Fire Insurance Company, a part of Crum & Forster.
No, Travel Insured International currently doesn’t have an app. However, you can manage your coverage online through its travel insurance portal.
Yes, Travel Insured International is well-suited for international travel thanks to robust medical coverage, evacuation benefits, optional upgrades, and flexible plan options that can be tailored to a long overseas trip. Its mix of emergency medical, trip-delay, baggage protection, and 24/7 global assistance makes it a strong candidate for travellers heading abroad.
Visit our Best International Travel Insurance Companies list for a full rundown of some of the most popular plans among international travelers.
Yes, Travel Insured International can cover cancellations, interruptions, and medical expenses due to you or a traveling companion catching COVID-19, subject to the terms and exclusions in your plan. To qualify for Trip Cancellation and Interruption coverage, you’ll need to meet the requirements of the plan, including a doctor’s certification that you are unable to travel. Also, the illness must not be pre-existing when you purchase coverage.
Yes, all Travel Insured International plans on our site include primary Emergency Medical coverage.
Travel Insured International claims must be filed directly with the provider. The contact information and relevant claims webpages can be found in the section below.
Contact Information for Travel Insured International
Customer Service: 800-243-3174
Hours of Operation:
Weekdays, 8:00am - 7:00pm ET
Claims Phone: 800-243-3174
Claims Hours of Operation:
Weekdays, 8:00am - 6:00pm ET
Mail to:
Travel Insured International
P.O. Box 6503
Glastonbury,
Connecticut
06033
Emergency Assistance:
Inside USA: 800-494-9907
Outside USA: 603-328-1707
Claims Email: claims@travelinsured.com
Fax: 860-430-2363
Provider Claims Website: Please click here
Last updated: October 19, 2026