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Is Travel Insured International Legit? Check Out What We Found!

By: Swena Kalra

Edited By: Scott Sidders

Updated on November 5, 2023

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In business for over 25 years, Travel Insured International is one of the leading travel insurance providers. The company offers a variety of benefits, including emergency assistance and evacuation, trip cancellation and interruption protection, medical insurance, baggage insurance, airline ticket protection, and more.

Headquartered in Glastonbury, Connecticut, Travel Insured has relationships with specialty travel providers and tour operators and provides 24/7 insurance assistance. This allows travelers to relax and enjoy their trips, knowing they are protected. When something goes wrong, customers can rely on Travel Insured's team of experts to help them get back on track. The company has a strong reputation for providing quality customer service and protecting its policyholders.


Travel Insured International is a holding of Crum & Forster (C&F). The parent company of C&F, Fairfax Financial Holdings Limited, is a global firm located in Ontario, CA, engaged in property and casualty insurance, reinsurance, and investment management. Travel Insured makes up 1/6 of Crum & Forster's Accident & Health market. The partnership between the two companies goes back many years, and Travel Insured's acquisition in 2015 made it an official Crum & Forster company.

This history and stability give policyholders the peace of mind that their provider will be there for them when they need it most. And, with an A rating from the Better Business Bureau (BBB), Travel Insured is a company you can trust.

How Does Travel Insured work?

Man traveling with suitcase looking down at his phone

Whenever you need to purchase an insurance policy, head to the Travel Insured website. On the website, you will be required to fill in some personal information like your name, date of birth, contact details, and trip information like dates, total trip cost, location, etc. With this information, the website will generate a quote for you.

After the quote is generated, you can review everything in detail as to what all things are covered under the policy. You also have the option to purchase additional coverages, like extreme sports coverage, or cancelation for any reason. Make sure to download the detailed document and go through the fine print. Once you are happy with everything, you can proceed to purchase the policy by paying the premium online.

Once the policy is purchased, you will receive a confirmation email with all your policy details. It is always advisable to keep a softcopy and/or hardcopy of your policy with you when you travel. If and when you need to make a claim, you first need to call the Travel Insured 24/7 assistance line for guidance.

What are the Benefits of Travel Insured?

The suitcase lost by the airport staff lies on the ground

There are many benefits of having Travel Insured coverage, and some of the most popular ones are:

1. Trip Cancelation and Interruption Protection

The most common reason why people purchase travel insurance is to protect themselves in case their trip gets canceled or interrupted. With Travel Insured, you can be reimbursed up to 100% of your pre-paid, non-refundable expenses if you need to cancel or interrupt your trip for a covered reason. This includes things like airfare, tour costs, and hotel reservations.

2. Emergency Assistance and Evacuation

Suppose you find yourself in a medical or other emergency while on your trip, Travel Insured will provide you with 24/7 assistance. This includes help with finding the nearest hospital or doctor, getting emergency medical transportation, and even arranging for evacuation if necessary.

3. Baggage Protection

No one likes having their baggage lost or delayed, but it happens. With Travel Insured, you will be reimbursed up to $500 for the replacement of essential items if your baggage is delayed and up to $1,000 if your baggage is lost, which is subject to your policy's limits and restrictions. You can also purchase additional baggage protection for higher limits.

5. Missed Connection Protection

If you miss a connecting flight, Travel Insured will reimburse you up to $500 per person for any non-refundable expenses, like airfare or tour costs, that you incur as a result. But this is only available if you have missed your connection owing to a 3-hour or more delay of your original outbound flight that was beyond your control.

What are the Downsides of Travel Insured?

A beagle dog next to an open suitcase with clothes and vacation items

While Travel Insured offers many great coverage options, there are a few downsides to consider before purchasing a policy.

1. Coverage Limits

One of the biggest downsides of Travel Insured is that most of their coverage limits are quite low when compared to other travel insurance companies. For example, their baggage protection limit is only $1,000 per person, while other companies like World Nomads offer up to $3,000 in coverage.

2. Coverage Exclusions

Another downside is that Travel Insured has many coverage exclusions, which means there are certain things that are not covered under their policies. For example, they do not cover any pre-existing medical conditions, so you will not be covered if you have a medical emergency while on your trip.

3. Customer Service

Finally, some customers have complained about the customer service of Travel Insured. While they do have 24/7 assistance, some people have said that it is difficult to get in touch with a representative and that they are not always helpful. Some people claim that their representatives are not trained well and that they have been given the wrong information.

4. Slow Claims Process

The claims process with Travel Insured can also be relatively slow, which can be frustrating if you need to get your claim processed quickly. Some people have said that it takes weeks or even months to approve their claims and that they have had to submit multiple forms and documentation even though they have followed all of the instructions.

Should You Use Travel Insured?

Group of young travelers using smartphone checking flight or online check-in at airport together, with luggage

The bottom line is that Travel Insured is a legitimate company with some great coverage options. However, there are some downsides to consider before purchasing a policy. If you are looking for comprehensive coverage with high limits, you may want to look elsewhere. But if you are looking for essential protection at a relatively low cost, Travel Insured may be a good option for you. Visit their website here.

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