Travel Insured International 2025 Review: Pros, Cons and Alternatives

Travel Insured International is a travel insurance provider from Crum & Forster. It offers three single-trip insurance plans and an annual plan, offering a wide array of benefits and preexisting condition coverage.

Business Insider compared Travel Insured International to the best travel insurance companies and found it to be a standout option, with preexisting condition coverage available for all policies including annual plans and child-inclusive pricing.

Travel Insured International Travel Insurance Pros and Cons

Travel Insured International Pros

• CFAR coverage available for annual multi-trip plan, on trip-by-trip basis
• Up to $1 million in medical evacuation coverage available
• Preexisting condition waivers available with all plans
• Wide array of optional bundles available
• Child-inclusive pricing for children with Deluxe and Platinum plans
• Relatively affordable for older travelers

Travel Insured International Cons

• Relatively expensive for younger single travelers
• Trip cancellation is not included with annual multi-trip plan

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Travel Insured International Travel Insurance Overview

Travel Insured International is a travel insurance company owned by insurance giant Crum and Forster, which also sells property, casualty, accident, and health insurance.

Included in our guide on the best international travel insurance, Travel Insured International offers three single-trip plans, all of which provide preexisting condition coverage when purchased within a specific time frame. Additionally, travelers can add a variety of bundles to their plans for various trips, like amusement park trips and cruises.

Its annual plan is also unique, offering CFAR insurance on its annual plans as well as preexisting condition coverage, both of which are unique features across the industry.

Travel Insured International travel insurance premiums are generally more expensive, especially for younger single travelers. However, its premiums are cheaper for families, offering child-inclusive pricing with its Deluxe and Platinum plans. Premiums are also relatively low for older travelers.

Travel Insured International Travel Insurance Plans and Coverage

Travel Insured International offers three coverage tiers under the Worldwide Trip Protector plan: Essential, Deluxe, and Platinum.

As the plans get more expensive, travelers get more benefits. While they offer the expected increasing coverage limits, they also include more optional upgrades, the ability to cover more expensive plans, and a greater variety of covered reasons for trip cancellation.

Let’s go over each plan one by one:

Travel Insured International WorldWide Trip Protector Essential

The most basic single-trip option from Travel Insured International, this plan covers trips up to $25,000 per person and $250,000 per plan. It covers trips up to 30 days long.

It offers the following benefits:

• Trip cancellation: 100% of nonrefundable trip cost
• Trip interruption: 150% of nonrefundable trip cost
• Preexisting condition coverage: Available when purchased within 14 days of initial trip deposit
• Trip delay: $100 per day for 12+ hour delay; $500 max
• Single supplement: Included
• Missed connection: Up to $500 for 3+ hour delay
• Travel medical coverage: Up to $50,000
• Dental sublimit: $750
• Emergency evacuation and repatriation: Up to $200,000
• Baggage and personal effects: Up to $750; $250 per article
• Baggage delay: Up to $200 for 12+ hour delay

Travel Insured International WorldWide Trip Protector Deluxe

A step up from the Essential plan, the Deluxe plan covers trips as much as $50,000 per person and $250,000 per plan. Trips can be up to 180 days long.

It offers the following benefits:

• Trip cancellation: 100% of nonrefundable trip cost
• Trip interruption: 150% of nonrefundable trip cost
• Preexisting condition coverage: Available when purchased within 14 days of initial trip deposit
• Trip delay: $150 per day for 6+ hour delay; $1,500 max
• Single supplement: Included
• Missed connection: Up to $750 for 3+ hour delay
• Travel medical coverage: Up to $250,000
• Dental sublimit: $750
• Emergency evacuation and repatriation: Up to $500,000
• Political/Security/Natural Disaster Evacuation: Up to $50,000
• Baggage and personal effects: Up to $1,500; $250 per article
• Baggage delay: Up to $500 for 6+ hour delay
• AD&D 24-hour: Up to $10,000

Travel Insured International WorldWide Trip Protector Platinum

The most expensive single-trip plan, the Platinum tier covers trips that cost up to $150,000 per person and $250,000 per plan. Covered trips can be as long as 180 days.

It offers the following benefits:

• Trip cancellation: 100% of nonrefundable trip cost
• Trip interruption: 150% of nonrefundable trip cost
• Preexisting condition coverage: Available when purchased within 21 days of initial trip deposit
• Trip delay: $200 per day for 3+ hour delay; $2,000 max
• Single supplement: Included
• Missed connection: Up to $1,000 for 3+ hour delay
• Travel medical coverage: Up to $500,000
• Dental sublimit: $750
• Emergency evacuation and repatriation: Up to $1 million
• Political/Security/Natural Disaster Evacuation: Up to $150,000
• Baggage and personal effects: Up to $2,500; $250 per item
• Coverage for electronic equipment: Included
• Baggage delay: Up to $750 for 3+ hour delay
• AD&D 24-hour: Up to $10,000

Travel Insured International Annual Multi-trip Protector

Travel Insured International’s annual plan covers all trips under 45 days taken within a year.

It’s worth noting that this plan isn’t available to residents in Montana, Missouri, New York, Pennsylvania, and Washington. It’s also only available to travelers under 80 years old.

Travel Insured International’s annual multi-trip plan offers the following benefits:

• Trip cancellation (optional per trip): 100% of trip cost
• Trip interruption (optional per trip): 150% of trip cost
• CFAR (optional per trip): 75% of trip cost
• Accident and sickness expenses: $100,000 per trip
• Medical evacuation and repatriation of remains: $100,000 per trip; two occurrences per term
• Political/security/natural disaster evacuation: $150,000 per trip; two occurrences per term
• Trip delay (12+ hours): $5,000 per trip; $200 per day
• Missed tour or cruise connection: $500 per trip
• Baggage and personal effects: $2,500 per trip
• Baggage delay (3+ hours): $750 per trip
• AD&D 24-hour: $50,000 per trip
• AD&D air flight only: $25,000 per trip

Additional coverage options from Travel Insured International

If you need more coverage, you may fancy Travel Insured International’s vast array of insurance add-ons and riders.

• Cancel for any reason bundle — Receive up to 75% of the cost of your trip for unused, forfeited, or nonrefundable deposits. Policy must be purchased within 24 to 21 days of initial trip payment, depending on the policy.
• Optional car damage and theft coverage — Offers coverage for rental car damage and theft.
• Optional pet bundle — Adds pet sickness as a covered reason for trip interruption and cancellation. Also offers pet medical coverage while on a trip, kennel coverage, and pet return coverage.
• Optional hotel & amusement & theme park bundle — Offers a wide array of hotel and park-related coverages including closed attractions, rainouts, and hotel infestations.
• Optional cruise bundle — Offers coverage for cruise-specific issues like changed itinerary, shore excursion coverage, and cruise diversions. Will also add to your baggage delay and loss coverage limits.
• Optional flight bundle — Offers flight-specific coverage like change fee coverage, frequent traveler reward coverage, and flight-only AD&D benefits.

Travel Insured International Cost

Travel insurance typically falls between 4% and 8% of the total cost of your trip. However, this will depend on your age, trip duration, and trip cost.

Travel Insured International is generally on the expensive side for most single travelers. However, it’s worth mentioning that both the Deluxe and Platinum plans offer child-inclusive pricing, which means minors traveling with an adult are covered for free.

Now let’s look at a few examples to estimate Travel Insured International’s travel insurance costs.

A 23-year-old from Illinois taking a weeklong, $3,000 budget trip to Italy would have the following travel insurance quotes:

• Worldwide Trip Protector Essential: $92
• Worldwide Trip Protector Deluxe: $104
• Worldwide Trip Protector Platinum: $133

Premiums for Travel Insured International plans are between 3.1% and 4.4% of the trip’s cost, well within the average cost of travel insurance.

Travel Insured International provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• Worldwide Trip Protector Essential: $120
• Worldwide Trip Protector Deluxe: $135
• Worldwide Trip Protector Platinum: $168

Once again, premiums for Travel Insured International plans are between 3% and 4.2% of the trip’s cost, within and below the expected range of travel insurance costs.

A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:

• Worldwide Trip Protector Essential: $600
• Worldwide Trip Protector Deluxe: $358
• Worldwide Trip Protector Platinum: $592

Quotes for this trip cost between 1.8% and 3%, below the average cost of travel insurance. Note that insuring children with Travel Insured International is free with the Deluxe and Platinum plans, making them far cheaper than the base Essential plan.

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:

• Worldwide Trip Protector Essential: $304
• Worldwide Trip Protector Deluxe: $352
• Worldwide Trip Protector Platinum: $490

Premiums forTravel Insured International plans for older-age travelers are between 5.1% and 8.2%, which is still within the expected cost of travel insurance.

Travel Insured International Annual Multi-Trip Policy Cost

Annual policies for Travel Insured International cost the following: 

Adults: $94 yearly

Kids: $64 yearly

Prices will vary based on optional add-ons attached to your policy.

How to Purchase and Manage a Travel Insured International Policy

Purchasing a policy with Travel Insured International is simple. You’ll first need to go to the Travel Insured International website to acquire a quote. Be prepared to provide the following information:

• Travel dates
• State of residence
• Number of travelers
• Age of traveler(s)
• Cost of trip per traveler
• Initial payment date
• Type of travel (cruise/other)
• Email address

Once you input this information, you’ll be taken to the quotes page, where you can select a policy and add any desired riders. While you don’t have to add your destination when receiving a quote, you’ll have to add a destination once you check out. 

You have a 14-day free look period in which you can cancel your policy and receive a refund.

How to File a Claim with Travel Insured International Travel Insurance

When you experience a loss on your trip, you’ll need to act quickly when filing a claim — within 20 days of experiencing the covered loss. You can start a claim by filling out a short form with the plan number listed on your confirmation of benefits document and your last name. 

Alternatively, you can give the company a call at 855-752-8303. Travel Insured International’s hours of operation are Monday through Friday from 8:00 a.m. to 6:00 p.m. EST. You can also email the team at [email protected]. 

According to the Explanation of Benefits, Travel Insured International will pay out within 30 days of receiving proof of loss. Once this period has elapsed, your payout will begin accruing interest at 9% APY.

Travel Insured International Travel Insurance Customer Reviews and Ratings

Travel Insured International has overall positive customer reviews, receiving an average of 4.4 stars out of 5 on its SquareMouth page and 4.3 stars out of 5 on its Trustpilot page. Its BBB page reviews are more mixed, receiving an average of 3.32 stars out of 5.

Customers were very complimentary of the buying process, saying that customer service representatives were helpful and knowledgeable about policy options.

The reviews were less complimentary of the claims process. They mentioned long wait times for claims. One reviewer said in mid-February 2025 that their claim from November 2024 is still pending. Additionally, customers reported high burdens of proof for claims, and many felt their claims were unfairly denied.

It’s also worth mentioning that reviews on SquareMouth are generally inflated. The worst-reviewed provider is Azimuth Risk Solutions, with an average score of 3.92 while the highest provider is GeoBlue, with a 4.64. With this context, Travel Insured International still comes out on the higher side of reviewed providers.

For a more balanced perspective on Travel Insured International’s services, let’s look at some third-party ratings.

The National Association of Insurance Commissioners’ complaint index rates insurance companies based on how many complaints they receive against its share of the market. A 1.00 means that a company has an expected number of complaints based on its size. A lower score indicates fewer complaints than expected and a higher number indicates more complaints than expected.

United States Fire Insurance Company, the underwriter for Travel Insured International and another Crum & Forster company, scored 0.27, indicating that it has far fewer complaints than expected.

Crum & Forster has an A (Excellent) Financial Strength Rating from AM Best, indicating it is likely to meet its financial obligations, like paying out claims.

Travel Insured International Travel Insurance Alternatives

Learn more about how Travel Insured International compares to popular travel insurance plans.

Travel Insured International vs AIG Travel Guard

AIG Travel Guard offers higher trip cancellation coverage limits compared to Travel Insured International, offering up to $100,000 in coverage with its Essential plan, compared to Travel Insured International’s $25,000 trip maximum per person.

However, Travel Insured International has better emergency medical coverage, with higher benefits on all its plans than Travel Guard. Both providers offer preexisting condition coverage with all their plans, even their essential plans.

However, Travel Insured International is much cheaper across the board. Additionally, its Deluxe and Platinum plans cover kids who are traveling with a covered adult without extra charge, known as child-inclusive pricing.

Read our AIG Travel Guard travel insurance review.

Travel Insured International vs iTravelInsured

iTravelInsured has six plans, encompassing a wide variety of needs, like sports-specific coverage. It encompasses a wide range of needs, with budget policies and more expensive policies. Its policies are pretty one-to-one, offering similar medical, evacuation, and cancellation benefits.

Because iTravelInsured has such a wide array of policies, it offers policies that are cheaper than Travel Insured International, but also way more expensive. It’s worth mentioning that Travel Insured International was cheaper for families across the board, with its child-inclusive pricing.

It’s also worth mentioning that Travel Insured International offers preexisting condition coverage on all its plans, while iTravelInsured offers it on its more expensive plans. Additionally, Travel Insured International has an annual plan, while iTravelInsured only offers single-trip plans.

Read our iTravelInsured travel insurance review.

Why You Should Trust Us: How We Reviewed Travel Insured International

To evaluate Aegis travel insurance, Business Insider reviewed the following factors.

Coverage amounts: We consider the policies available, what they cover, and how much coverage they offer. We like to see a variety of options available, with a great deal of flexibility to cover as many needs and customers as possible.

Inclusions/Exclusions: We consider common inclusions and exclusions, and how much customers have to pay for certain benefits. For example, many companies offer preexisting condition waivers, but reserve this benefit for more expensive plans.

Cost: We obtain quotes for a variety of travelers, including single travelers, families, couples, and older travelers. We see how the quotes compare to the standard costs of travel insurance, which is between 4% and 8% of your total trip cost. We also pay attention to any savings opportunities travelers can take advantage of, like discounts for children, like Travel Insured International’s child-inclusive pricing with its Deluxe and Platinum policies.

Customer service: We consider how a company treats its customers by looking at online customer reviews on sites like Trustpilot, SquareMouth, and the Better Business Bureau. We also look at ratings from third-party organizations like the NAIC and AM Best. We look at any customer service features a company offers, like 24/7 helplines.

Unique features: We look to see if a company has any unique features or benefits. For example, Travel Insured International’s optional CFAR and preexisting condition coverage for its annual multi-trip policies.

Read more about Business Insider’s travel insurance ratings methodology.

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