InsureMyTrip Review: Travel Confidently With Trip Insurance

By Nicole Spector

May 25, 2022

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4.6

SCORE

GOBankingRates Best Banks 2023 scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks.

Quick Take: The site aims to help consumers feel comfortable purchasing travel insurance by enabling them to enter their travel details to find the best plan for their specific needs. Users can read over 100,000 traveler reviews, navigate claims, connect with licensed travel agents, and access thousands of plans and quotes from top-rated providers at no cost.

• Ease of Use
  4.3
• Customer Service
  5.0
• Breadth of Products
  4.5
• Flexibility
  4.6

How did we calculate this?

What is InsureMyTrip?

Founded in 2000, InsureMyTrip is a travel insurance comparison and shopping site that enables users to enter their travel details in order to access competitive quotes offered by up top-rated travel insurance providers. The first of its kind, the company has served over 4 million travelers to date.

What are the guarantee programs and how do they work?

InsureMyTrip touts three guarantee programs:

Best Plans Guarantee

InsureMyTrip’s customer ratings and reviews forum gives travelers a platform to discuss their thoughts on products purchased via the site. The website regularly evaluates plans and has been known to oust providers that fail to meet minimum consumer standards. This feature is designed to empower consumers and let them know that their opinion really can make a difference.

Best Prices Guarantee

InsureMyTrip calls out that offering discounts on travel insurance products is illegal and promises the lowest legal (aka state-regulated) prices and guarantees that no other reputable site can offer a lower price for the same product (at least, not legally).

Money Back Guarantee

Yes there are a sea of terms and conditions, and sure they vary by residence, provider, and plan, and yes they may be subject to a non-refundable administrative fee — but the bottom line is, if you’re not happy during the review period of your purchase from InsureMyTrip, you at least stand a chance at getting your money back.

How InsureMyTrip earned its scores

Here’s a breakdown of the different factors that comprised GOBankingRates’ scoring:

Ease of Use

InsureMyTrip has a lot of information to offer, and for first-time site visitors, this can feel like choice overload. It’s helpful to go straight to the source and poke around the reviews and other sections later. Click on “Start a Quote” right out of the gate and from there you’ll enter all your trip details and coverage wants in a fairly straightforward manner.

Customer Service

InsureMyTrip’s most outstanding feature just might be its customer service offering. The Customer Care Center only hires fully licensed (in all 50 states) professionals who don’t work off commissions or have their sales tracked. These reps specialize in both online chat and phone calls and aim to provide a human feel to a process that can otherwise feel cold and canned. InsureMyTrip’s customer care team garnered awards and recognition from the Stevie Awards in 2014, 2018, and 2019, and InsureMyTrip’s Anytime Advocate program has helped consumers get back over $2,000,000 by advocating for them during a claim process or helping them understand a claim denial.

Breadth of Products

InsureMyTrip works with top travel plan providers including: AIG Travel, Arch RoamRight, AXA Assistance USA, Berkshire Hathaway Travel Protection, Crum & Forster, Travel Insured International, Generali Global Assistance, GeoBlue, Global Underwriters, GoReady, HTH Worldwide, IMT Services, International Medical Group, International SOS, John Hancock Insurance Agency, Inc., Manulife, Medjet, Nationwide, Travelex, TravelSafe, Trawick International, and WorldTrips (Note: This list of providers is always subject to change so check the website for the latest information).

These are most but not all reputable travel insurance providers. Missing from the list are USI Affinity Travel Insurance Services and a few others.

Flexibility

InsureMyTrip offers information on an impressive range of coverage and has plenty of information on the latest about COVID-19 as it pertains to travel, including blog posts that break out FAQs along with detailed explanations of how travel insurance plans provide coverage during the ongoing pandemic.

InsureMyTrip vs. competitors

InsureMyTrip works in a rather niche space but has a couple of competitors in TravelInsurance.com and Squaremouth.

InsureMyTrip vs. TravelInsurance.com

Owned and operated by DigiVentures Holdings, LLC, TravelInsurance.com is more of a travel insurance comparison engine without the bells and whistles. It asks site visitors to enter their trip details to get free quotes from providers and to compare plans, prices, and benefits. Travelinsurance.com does not highlight any claims advocacy program or have much content about customer service. However, it does have a chat feature and phone number available for travelers to call with questions.

InsureMyTrip vs. Squaremouth

By far the one that most closely follows InsureMyTrip’s comparison model is Squaremouth. This service is also free and the intuitive website is easy to navigate. Squaremouth also sells its own travel insurance products on the website, TinLeg and Cat 70 which will likely be displayed on the quote results page. The Squaremouth website has a D- ranking by the Better Business Bureau. InsureMyTrip has an A+ ranking.

What makes InsureMyTrip special?

InsureMyTrip touts more customer reviews on providers than either of its competitors, which helps shoppers make a more informed purchasing decision. Its award-winning Anytime Advocates get the arduous job of smoothing out kinks in the claims process, and to date have helped travelers get back over $1,000,000.

Who is it best for?

InsureMyTrip is best for people who either already recognize the importance of travel insurance, or who are looking for that final nudge to convince them it’s a must-buy. The ideal user can be a travel industry know-it-all or a complete newbie — either way they’ll walk away with a satisfactory buying experience. InsureMyTrip is also a great place for travelers who are looking for added support and/or guidance in the way of customer service while navigating their travel insurance journey. Oh, and if you like good snark and honest feedback, you’ll love reading the seemingly infinite trove of reviews available on the site.

Final take

InsureMyTrip is one of the best sites around for consumers shopping for travel insurance who want to be sure they’re getting the best deal that accommodates their specific needs. The site can feel overwhelming to navigate at first, but once you’re in the process of obtaining free quotes, the process is pretty straightforward. You’ll be able to compare plans from most reputable travel insurance providers, but not every single one, which is the only real minus.

Disclaimer: The information contained in this article serves as a general overview of InsureMyTrip’s offerings and providers, and should only be used for informational purposes. While the information is accurate as of the time of publication, these details are subject to change. Please visit InsureMyTrip.com to view the current list of providers or contact a licensed agent directly at 800-487-4722 for additional assistance.

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