Travel Insured International Travel Insurance Review

#12 in Travel Insurance

Started in 1994, Travel Insured International is a family owned travel insurance provider based in Glastonbury, Connecticut. The company offers a range of travel insurance products created to help travelers get the most benefits through its three popular plans. Its Lite, Protector and Protector plus provides coverage for standard insurance items such as trip cancellation, interruption, baggage and medical services. Travel Insured International also offers trip cancellation, interruption for any reason through its Protector Plus plan.   

 

Plan Types

 

 

Protector Lite

Protector

Protector Plus

Trip cancellation

Up to 100% of trip cost

Up to 100% of trip cost

Up to 100% of trip cost

Trip interruption

Up to 100% of trip cost

Up to 100% of trip cost

Up to 150% of trip costs

Travel delay

$300 ($100 per day) 12 hours

$1,000 ($200 per day) 6 hours

$1,000 ($200 per day) 6 hours

Missed connections

$300 (12 hours)

$500 (3 hours)

$500 (3 hours)

Change fee

$250

$250

$250

Reimbursement of miles or reward points

$250

$250

$250

Baggage and personal effects

$750

$1,000

$1,000

Baggage delay

$200 (24 hours)

$300 (12 hours)

$300 (12 hours)

Accident and sickne’ss medical expenses

$10,000 Secondary insurance

$100,000

$100,000

Emergency medical evacuation and repatriation

$100,000

$1,000,000

$1,000,000

Rental car damage’

 

 

$50,000

Itinerary change

 

$500

$500

Accidental death and dismemberment

 

$10,000 (24 hours)

$10,000 (24 hours)

Cancel for any reason

 

 

Up to 75% of trip costs

Interrupt for any reason

 

 

Up to 75% of trip costs

 

Protector Lite

  • Trip cancellation and interruption
  • Accident and sickness medical expense (secondary insurance)
  • Pre-existing medical conditions not covered

 

Protector

  • Children covered at no extra charge
  • Pre-existing medical conditions (21 days after initial trip deposit)

 

Protector Plus

  • Cancer for any reason
  • Interrupt for any reason
  • Pre-existing medical conditions (21 days after initial trip deposit)
  • Rental car damage included

 

Travel Medical Protector

  • Medical coverage for US residents travelling outside of the United States and outside of their home country
  • Medical limits ($100,000, $250,000, $500,000)
  • Trip interruption
  • Trip delay
  • Baggage
  • Emergency medical evacuation
  • Accidental death coverage

 

Optional Coverage

 

Accidental Death and dismemberment (Air Flight Only)

  • Up to the limit purchased

 

Rental Car Damage

  • $50,000

 

Primary Medical and Baggage Upgrade

 

Travel Benefits- Travel Delay

  • $1,000 (for a total of $2,000)

 

Optional Travel Benefits- Missed Connection

  • $500 (for a total of $1,000)

 

Optional Travel Benefits- Baggage/ Personal Effects

  • $1,000 (for a total of $2,000)

 

Optional Travel Benefits- Baggage Delay

  • $300 (for a total of $600)

 

Assistance Services

  • Medical evacuation
  • Medical or legal assistance
  • ID/ Credit Recovery Assistance
  • Passport replacement/ VISA information
  • Lost baggage retrieval
  • Business concierge
  • Concierge services
  • Political and natural disaster evacuation

 

Travel Insured International Summary

Aside from providing standard coverage (trip cancellation, interruption), Travel Insured International gives travelers the option of cancelling or interrupting their travel with its cancel for any reason offer. There are three basic plans to choose from (Lite, Protector, Protector Plus) which includes excellent coverage for standard insurance items but each with an increasing benefit amounts. Assistance services are solid but does not particularly standout from competitors. A good mix of coverage and optional benefits for travelers searching for a dependable travel insurance provider.    

 

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