If you have a travel insurance company that you strongly recommend, can you please share it with me?
We have used Travel Guard Insurance Company for many years after getting their recommendation from the RS web site. We have never made a claim but have never read any complaints about them.
We too have used Travel Guard for many years and have had several claims for reimbursment for medical expenses. They were all handled very well. No complaints about them at all.
I have used Nationwide for their travel insurance and been very happy with their coverage and rates. They refunded all of my premiums for 2020 trips that were cancelled by the providers.
Insurance is a commodity for the most part. The only thing that counts is what’s covered, how much does it cost in comparison to similar products, what’s the history of claims payment, customer service. I had a not so good experience with Travel Guard and won’t use them again, so there. You should first decide what you want to cover-is it the cost of your trip in case of unforeseen need to cancel, is is medical coverage, auto rental coverage, evacuation, life insurance, dental, some of these all of these? Go to a site such as insuremy trip.com where you can pick and choose what you want to cover and get multiple quotes. They also have real life consumer reviews and ratings by rating agencies such as A.M. Best. Ignore any consumer endorsements that say they like the company but have never had a claim. That’s like recommending a restaurant you’ve never dined at. Check the fine print-most policies require purchase 10-14 days after you make your first trip deposit if you want to cover pre-existing conditions for example. If you get lost call customer service. They are all agents and can help direct you. They have no allegiance to any specific company.
A friend and I both had problems with Travel Guard. Needless to say I won’t use them again. Two years ago I used John Hancock. I had no claims so can’t comment on their insurance or service.
I’m trying to decide if next year I buy only medical and evacuation instead of comprehensive insurance. The cost difference is significant. Along with cancellable/changeable reservations that cost difference self insures the rest of the major costs.
We’ve been using Allianz for years. Fortunately, we’ve never had to file a claim.
We have purchased from Berkshire Hathaway Travel Protection many times. Rates have always been competitive and coverage seems a little better for the price. BUT no claims filed so can't comment on that. The customer service people there are great answering questions both by phone or chat if you don't find answers you need online.
If you have AAA, their travel insurance product is with Allianz. Looks like they've expanded their usual coverage to some Covid scenarios but as always read the fine print! https://azcontent.us/alert/2019-novel-coronavirus
We have always used Travel Guard in the past and they have been very good about paying our claims which were all very minor. However, I am looking for a new insurer after our experience with Travel Guard last year. They would not refund our (unused) premiums and instead gave us a voucher for future trips. Since the voucher was for a limited time period, I applied that voucher to a trip for early 2022 which is now looking less and less likely to happen and will probably lose $$$$ on that deal. I am looking for a new insurer as well.
I had a very bad experience with Travel Guard on a trip that we had to cancel in 2019 before the pandemic. It was an incompetent claims adjuster who consistently kept asking for additional info. Trip canceled due to my mother entering hospice care and was terminal. My power of attorney to release her medical records expired at her death. Travel Guard dragged out the process for six months and the doctor was not able to release her info once she passed away. About six months passed and one day a check appeared in the mail - no letter of explanation. I will never use Travel Guard again.