TripAssure Travel Insurance Review

Rating: 6.7 / 10 (Very good)
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Founded in 1961, TripAssure, formerly known as MH Ross, offers travel insurance plans with several levels of coverage to suit consumers' travel and budget needs. Their plans include medical, baggage, and political and security evacuation, in different coverage levels, as well as concierge-type services and travel assistance.

How is TripAssure rated?


Plans & Coverage
Customer Assistance Services
Financial Strength

Overall Rating: 6.7 / 10 (Very good)

TripAssure offers comprehensive travel insurance plans with various levels of coverage so consumers can choose one that fits their needs and budget. The optional coverages make this an excellent option for people traveling with valuables or daredevils looking to enjoy new sports. And the firm's Global XPI service, which makes customers' medical records available worldwide, is an added bonus.

TripAssure Plans & Coverage

Plans & Coverage - 7 / 10

TripAssure offers three different plans with different amounts of coverage: Advantage Asset, Advantage Bridge, and Advantage Complete.

The Complete plan, which offers the most thorough coverage, is fully comprehensive and offers most of the features included by the best plans in the market. It includes a Cancel For Any Reason benefit, which allows policyholders to receive a reimbursement for 75% of the cost of their trip for reasons not covered by the plan. The coverage includes reimbursement for lost, damaged, or stolen baggage, though the company requires receipts for the mishandled items. There is also a benefit for reimbursement for delayed baggage, which allows customers to purchase additional personal effects to use until their baggage arrives. The Complete plan also includes coverage for political or security evacuation, where the company will pay a maximum of $25,000 to repatriate a policyholder if a covered event happens while he or she is on a trip. Covered events include natural disasters, civil unrest, and State Department Travel Advisories.

The Asset plan and the Bridge plan do not include the Cancel for Any Reason benefit and they decrease the maximum benefit amounts by different measures. But all TripAssure plans will waive the pre-existing conditions exclusion if the plan is purchased within 15 days of when the trip was paid for (for example, from the date the customer paid for a plane ticket or paid to reserve a hotel room, etc.)

Finally, all plans offer the option to purchase a rental car damage benefit, extend the personal property benefit, or cover sports activities, including hazardous sports. This means if policyholders are hurt while bungee jumping, or something equally dangerous, they will be covered under the medical benefit.
Available Plans
Trip Cancelation/ Interruption
Accidental Death
Trip Cancellation/Interruption Coverage
Injury/Illness/Death of Traveler
Injury/Illness/Death of Non Traveling Family Member
Natural Disaster at Destination
Tour Operator/Airline/Cruise Line Ceases Operation
Victim of Crime Prior to Trip
Theft of Passport Prior to Trip
Cfar Coverage (Cancel for Any Reason)
Medical Coverage
Doctor, Hospital, or Other Licensed Provider
Emergency Medical Evacuation/Repatriation
Transport Family Member to Bedside
Transport Children Home
Baggage Coverage
Baggage Delay Coverage

Medical Coverage Details

Pre-Existing Coverage
Maximum Medical Reimbursement
Maximum Medical Evacuation Reimbursement
Deductible for Medical Coverage

Baggage Coverage Details

Maximum Baggage Reimbursement
Maximum Baggage Reimbursement
Valuable Item Limit
Receipts Required for Valuable items

TripAssure Financial Strength

Financial Strength - 7 / 10

TripAssure travel insurance policies are underwritten by the Arch Insurance Company, a Bermuda-based company with better-than-average ratings. However, they are considered to have a negative outlook by both Standard & Poor's and A.M. Best, so consumers should keep an eye on the company's finances if they decide to purchase a policy.
Arch Insurance Company
Standard & Poor's Financial Rating
Moody's Financial Rating
AM Best Financial Rating

TripAssure Reputation

Reputation - 7 / 10

TripAssure, known as MH Ross until 2017, has mostly positive online reviews. However, customers most often complain the company is slow when responding to claims and often requires a great deal of paperwork to approve claims.

TripAssure Customer Assistance Services

Customer Assistance Services - 6 / 10

TripAssure offers an assortment of assistance services to their policyholders which are standard for the industry. They also have a 24-hour call center available for customers located outside of the US or Canada, as well as a service called Global XPI, which gives policyholders and their physicians access to medical records anywhere in the world.
24/7 Support
Mobile App

Travel Assistance Services

  • Lost Baggage Search
  • Lost Passport/Document Assistance
  • Emergency Cash
  • Translation Services
  • Up to the Minute Travel Advisories
  • Legal Assistance

Medical Assistance Services

  • Physician Referral
  • Medical Case Management
  • Arrange Medical Payment
  • Emergency Prescription Replacement
  • Update Family at Home
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Concierge Assistance Services

  • Restaurant/Event Referral and Reservation
  • Ground Transportation
  • Weather Advisories

Homepage URL
Company Phone
(800) 423-3632
Headquarters Address
9225 Ward Parkway, Suite 200, Kansas City, MO, 64114

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