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Founded in 2000, InsureMyTrip is the first major travel insurance comparison site to hit the market. The company has served over 4 million customers and works with some of the best travel insurance companies to help travelers find the right coverage. Here's a closer look at what you need to know before using its comparison tools.
Pros
- Connects customers to a range of the most popular travel insurance providers
- Site prioritizes travel insurance providers by customer reviews
Cons
- Site does not facilitate claims filing
- InsureMyTrip customer service is limited
- Company does not provide its own travel insurance packages
Introduction to InsureMyTrip
InsureMyTrip is a travel insurance broker, which means it doesn't offer its own travel insurance. Instead, InsureMyTrip lets you compare policies from 25 of the industry's best travel insurance companies to select the best coverage for your needs. You can also buy, manage, and cancel your insurance policy through InsureMyTrip.
InsureMyTrip also has a customer service team called Anytime Advocates, which can help you file or facilitate a claim. Having an extra set of eyes on your claim may help you receive a response faster than if you were to take on your travel insurance claims office on your own.
Even if you prefer to purchase an insurance policy directly from your provider, InsureMyTrip is worth a visit solely for their customer reviews. You can read reviews by specific plan and whether a claim was filed. This is a great feature in a travel insurance marketplace, getting honest insight into how well a company works.
Features of InsureMyTrip Platform
When you InsureMyTrip, you'll be able to see all the plans that apply to your travel details and personal information. You can opt to only see the following policy types:
- Comprehensive
- International Medical
- Medical Evacuation
- Embassy Visa
- Accidental Death
Once you obtain your list of quotes, you can opt to see limits and terms for specific coverages, such as trip cancellation, emergency medical, evacuation, and pre-existing condition coverage. You can also receive quotes on annual travel insurance policies, if you intend to go on more than one trip this year.
Here are some more terms that InsureMyTrip offers with its quotes.
Best Plans Guarantee
First, InsureMyTrip's Best Plans Guarantee ensures that only plans with multiple positive ratings and reviews are shown to its consumers. The company provides a forum to allow past customers to share their experiences with specific providers. The insurance providers get a grace period to collect enough reviews. After the grace period expires, the site's offerings are filtered based on the feedback received, with the highest-rated plans receiving the highest ratings.
In short, you're free to choose your travel insurance, but InsureMyTrip's site prioritizes the companies consistently performing well, making it easier to find travel insurance companies you'll love.
Price Guarantee
All travel insurance is regulated state by state. So as InsureMyTrip points out on its website, offering discounts on these products is illegal. With that in mind, the company promises to show you the lowest prices while remaining legally compliant, meaning you won't find a (legal) lower price anywhere else.
Money Back Guarantee
You can cancel your InsureMyTrip travel insurance plan during your review period and get your money back if you're unhappy. However, there are a few caveats to this one. First, the company clearly states that each cancellation and refund policy differs by the provider, and you'll likely be subject to those terms. In addition, some providers may charge an administrative fee, which is typically not eligible for a refund.
InsureMyTrip Travel Insurance Cost
The cost of travel insurance can vary widely depending on several factors, including the trip destination, trip duration, trip cost, the age of the travelers, the provider, the plan chosen, and any additional coverage options selected.
The average travel insurance plan costs 4-8% of your total trip cost. Like your flight tickets, hotels, etc., prices fluctuate depending on your location, time of year, and more. The best way to compare the average cost of travel insurance for your plans is by comparing quotes online.
Purchasing and Managing a Policy With InsureMyTrip
You can get a quote from InsureMyTrip's website by inputting the following information:
- Destination
- Travel Dates
- Citizenship and Residence
- Number of travelers and their ages
- Trip cost
- Trip details (taking a flight, cruise, renting a vacation home)
Once you're taken to the quotes page, you can compare policies and sort your search by price, popularity, and rating.
How to File a Claim with InsureMyTrip
You'll need to work directly with your insurance provider if you have to file a claim. However, InsureMyTrip makes it easy to access the correct contact information and claims forms.
You can find your provider's information by navigating to the "File a Claim" page on InsureMyTrip.com. Then, select your insurance provider and policy from the drop-down menu. Typically, InsureMyTrip will provide each insurer's phone number, emergency contact line, and mailing address. When available, it also lists email addresses and URLs for claims forms.
If you encounter any issues with your provider's claims process, you can email InsureMyTrip's Anytime Advocates at customercare@insuremytrip.com.
InsureMyTrip Customer Service Experience and Usability
InsureMyTrip received an average rating of 4.3 stars out of five from Google Maps reviews of its headquarters in Rhode Island. Most of the negative reviews of InsureMyTrip talk about a claims issue with their providers, which InsureMyTrip doesn't directly control.
InsureMyTrip regularly responds to negative reviews, offering phone numbers and emails that customers can call for help with their policies.
How InsureMyTrip Compares
InsureMyTrip vs. Squaremouth
Squaremouth is one of the leading travel insurance aggregators, listing policies from 32 companies compared to InsureMyTrip's 25 companies. Squaremouth also lists options online for group travel insurance policies, which InsureMyTrip only quotes for when you call their customer service line.
Both InsureMyTrip and Squaremouth allow you to purchase, manage, and cancel a policy on their platforms. You'll have to file claims directly with your insurer, but both companies offer ways to facilitate customer claims. InsureMyTrip has an Anytime Advocates team, which can help customers with filing claims or facilitate an existing claim. Squaremouth has a Zero Complaint Guarantee, which promises that they'll act as a mediator if a customer feels that a claim was denied unfairly.
InsureMyTrip vs. VisitorsCoverage
InsureMyTrip's offerings are more comprehensive than VisitorsCoverage's, which offers policies from 15 travel insurance companies.
VisitorsCoverage does a better job summarizing policy terms, offering eligibility details like max trip length and age limits, which InsureMyTrip lacks. It also offers more search filters, allowing travelers to select search options for students studying abroad, business travelers, and U.S. green card holders. That said, VisitorsCoverage does not field customer reviews.
Read our VisistorsCoverage review here.
InsureMyTrip FAQs
Does InsureMyTrip offer a wide range of travel insurance options?
Yes, InsureMyTrip offers travel protection insurance from 25 travel insurance companies, with search customizations like medical-only, Schengen Visa insurance, and AD&D insurance.
How user-friendly is the InsureMyTrip platform for comparing insurance plans?
InsureMyTrip is very user-friendly, streamlining the insurance purchasing process and allowing travelers to compare all plans available for their trip.
Can I find insurance for specific travel needs, like adventure sports, through InsureMyTrip?
While InsureMyTrip offers some search refinements, they do not offer a filter for adventure sports.
Is InsureMyTrip's customer service effective in assisting with policy questions?
Yes, customer reviews often highlight InsureMyTrip's customer service as helpful and efficient in addressing questions and assisting with policy selection. Negative customer reviews often receive responses from InsureMyTrip's team, which will try to resolve lingering issues.
What advantages does using InsureMyTrip offer over going directly to insurance providers?
InsurInsureMyTripMyTrip offers the advantage of comparing multiple insurance plans from different providers in one place, simplifying the process of finding the best coverage for specific travel needs.
Why You Should Trust Us: How We Reviewed InsureMyTrip
When reviewing InsureMyTrip, we looked at its insurance partners and ran comparisons against other broker sites within the industry. We looked at the providers listed on its website, the assurances it offers, and customer reviews.
You can read more about how we rate travel insurance products here.
Tara Mastroeni is a freelance real estate and personal finance writer. Besides Business Insider, she writes for Forbes and LendingTree. You can find her at TMRealEstateWriter.com or on Twitter@TaraMastroeni.
Compliance and Operations Associate
Evelyn He is a Compliance and Operations Associate on the Personal Finance team to ensure content accuracy and editorial independence so readers get up-to-date and objective financial advice.The compliance team's mission is to provide readers with fact-checked and current stories so they can make informed financial decisions. The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.
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