If you’re planning a giant journey, chances are you’ll be contemplating journey insurance coverage to present you peace of thoughts. It can cowl issues like misplaced baggage, journey delays or cancellations, medical bills for sicknesses or accidents and extra. Consider getting quotes from one of the best journey insurance coverage corporations to match the completely different choices obtainable.
TravelProtected Insurance is one well-recognized participant within the journey insurance coverage area with a various portfolio of plans. Whether you’re a solo adventurer, a business traveler or a household on trip, TravelProtected might have appropriate protection choices on your wants. Keep studying for an in-depth evaluation of TravelProtected insurance coverage, together with professionals and cons, plan choices, buyer critiques and extra.
Best journey insurance coverage for golf journeys
Although TravelProtected provides journey insurance coverage for any type of journey, the corporate distinguishes itself by offering protection particularly for golf journeys. With its GolfSafe Secure and GolfSafe Secure Plus plans, touring golfers can safeguard their golf gear, cowl non-refundable golf charges and extra.
TravelProtected journey insurance coverage professionals and cons
- Comprehensive protection for golfers
- High protection limits for emergency medical evacuation
- High missed connection protection restrict
- Mixed buyer critiques concerning claims processing
- Baggage delay protection limits are low
Pros defined
Comprehensive protection for golfers
TravelProtected’s GolfSafe plans characteristic wide-ranging and complete protection for golfers. These plans embrace the standard elements of journey insurance coverage protection — resembling journey cancellation safety and misplaced or delayed baggage protection — with extra safety catered to golf journeys. It contains safety for each rented golf gear and “misplaced rounds,” or any greens charges chances are you’ll face for reservations you’ll be able to’t honor.
High protection limits for emergency medical evacuation
Policies offered by TravelProtected embrace excessive protection limits for medical evacuation and repatriation. The TravelProtected’s Basic plan covers as much as $100,000; this quantity will increase to $1,000,000 with the Classic plan.
Medical evacuation protection kicks in for vacationers who fall ailing or grow to be injured whereas touring and have to be transported to an appropriate medical facility. TravelProtected’s medical evacuation and repatriation protection contains prolonged protection for reimbursement of prices related to medically geared up transportation. The protection can also cowl an emergency reunion, which helps prices for a member of the family to go to you when you’re hospitalized.
If you die whereas overseas, repatriation protection will deal with the preparations and prices for returning your stays to your home nation.
High missed connection protection restrict
TravelProtected’s missed connection protection goes into impact when you miss a flight or a connection for causes past your management. Reasons embrace flight delays as a result of unfavorable climate circumstances or schedule adjustments by the service. It additionally covers different causes, resembling quarantine, pure disasters, riots and extra. The missed connection profit helps you attain your vacation spot and covers prices incurred throughout your journey delay, resembling extra transportation. The TravelProtected Classic plan has a restrict for this protection of $2,500, which is larger than some opponents provide.
Cons defined
Mixed buyer critiques concerning claims processing
Although there are numerous constructive critiques on shopper evaluation websites, some prospects have expressed dissatisfaction with the journey insurance coverage claims course of, describing it as prolonged and sophisticated. Reviewers have famous that they had to offer exhaustive documentation to help their claims, which they discovered burdensome and inconvenient.
However, constructive critiques outnumber the adverse ones. While there could also be room for enchancment at TravelProtected, and everybody’s scenario can differ, many shoppers seem happy with the insurance coverage firm’s choices and repair high quality.
Baggage delay protection limits are low
TravelProtected’s delayed baggage protection is capped at $250 for the Classic plan and $100 for its Basic providing. This is way decrease than many competitor choices of even an analogous tier protection plan.
TravelProtected journey insurance coverage
TravelProtected’s major journey safety choices are the Basic and Classic plans. Each plan has add-on riders you can buy, providing expanded and supplemental protection. The firm additionally provides two GolfSafe plans. Here’s a take a look at every.
TravelProtected Basic
The Basic plan supplied by TravelProtected contains the next protection:
- Up to 100% of the insured journey’s non-refundable prices for journey cancellation and interruption protection
- Up to $500 for bags loss or injury and $100 for bags delays
- Up to $500 for missed connections
- Up to $100 per day with a most of $1,000 for journey delays
- Up to $35,000 for medical emergencies or accidents ($750 restrict for dental)
- Up to $100,000 for emergency medical evacuation or repatriation
- 24-Hour worldwide journey help for help whereas touring
Optional coverages you can add to a Basic plan embrace rental automobile injury and theft, business or sports activities gear leases and unintended demise and dismemberment air flight protection.
TravelProtected Classic
The Classic plan is a step up from the Basic plan. It provides the next protection:
- Up to 100% of the insured journey’s prices for journey cancellations and 150% for interruptions
- Up to $2,500 for bags loss or injury and $250 for bags delays
- Up to $2,500 for missed connections
- Up to $150 per day with a most of $2,000 for journey delays
- Up to $250 for journey itinerary adjustments
- Up to $100,000 for medical emergencies or accidents ($750 restrict for dental)
- Up to $1,000,000 for emergency medical evacuation or repatriation
- Up to $25,000 for unintended demise and dismemberment insurance coverage (covers incidents “other than air flight”)
- Up to $100 per day for pet kennel charges
- Up to $25,000 for political, safety or pure catastrophe evacuations
- 24-Hour worldwide journey help for help whereas touring
You can add cancel for any purpose (CFAR) protection to obtain as much as 75% of your non-refundable journey prices reimbursed when you cancel the journey inside two days of your departure for a purpose not coated by the included journey cancellation protection. This isn’t obtainable in New York. Other add-ons for the Classic journey insurance coverage plan embrace rental automobile injury and theft, business or sports activities gear leases and unintended demise and dismemberment air flight protection.
GolfSafe Secure
TravelProtected’s GolfSafe plans range from state to state, so you should definitely test the particular doc on the insurer’s web site for particulars about your scenario. The GolfSafe insurance coverage plan usually provides the next journey insurance coverage protection:
- Up to 100% of the insured journey’s prices for journey cancellation and as much as 150% for journey interruption
- Up to $250 for journey itinerary adjustments
- Up to $2,500 for bags loss or injury and $250 for bags delays
- Up to $2,500 for missed connections
- Up to $150 per day with a most of $750 for journey delays
- Up to $100,000 for medical emergencies or accidents ($750 restrict for dental)
- Up to $500,000 for emergency medical evacuation or repatriation
- Up to $500 for non-refundable golf charges when you grow to be ailing or injured and may’t play
- Up to $500 for rented golf gear
- Up to $2,500 for property injury
- $25,000 Principal sum for unintended demise and dismemberment
The GolfSafe Secure plan has optionally available add-ons, together with rental automobile injury and unintended demise and dismemberment for air flight.
Though it’s unlikely you’ll acquire, GolfSafe additionally provides a advantage of $250 when you or a touring companion achieves the coveted hole-in-one (your odds are 1 in 12,500, in line with the National Hole-in-One Registry).
GolfSafe Secure Plus
The GolfSafe Secure Plus journey insurance coverage plan contains all the protection that the GolfSafe Secure plan has, with the addition of CFAR protection. You’ll obtain 75% of your non-refundable journey prices when you cancel the journey at the very least two days earlier than your departure date. It covers cancellation causes that the bottom journey cancellation safety doesn’t cowl. GolfSafe Secure Plus additionally has the identical optionally available add-ons you can buy.
TravelProtected journey insurance coverage pricing
Travel insurance coverage prices range primarily based on a number of components, resembling your age, the general cost of your journey, your journey’s period and the protection you select. You can get a quote on the TravelProtected’s web site to estimate your cost. However, in line with a sampling of quotes we retrieved, plans are likely to cost round $112 to $200 (as of Aug. 2023) for plans with none add-ons.
TravelProtected journey insurance coverage monetary stability
TravelProtected is backed by the United States Fire Insurance Company, which holds an A (Excellent) score from AM Best Rating Services. This score signifies glorious monetary well being and the power to honor claims. TravelProtected’s GolfSafe merchandise are underwritten by Nationwide Insurance, with an A+ (Superior) score from AM Best.
TravelProtected journey insurance coverage accessibility
Availability
TravelProtected’s insurance coverage insurance policies can be found in all 50 U.S. states and Canada, however its GolfSafe Secure Plus plans are unavailable to these in New York and Washington.
Contact data
You can contact TravelProtected by way of a 24/7 toll-free quantity at 1-888-885-7233 for basic questions. There’s additionally a contact type you’ll be able to fill out on TravelProtected’s web site. You may attain a “Call On Call International” service at 1-866-509-7713 when you’re touring overseas and wish to talk to a TravelProtected agent for an emergency.
User expertise
TravelProtected’s web site is simple to navigate and offers clear coverage data. Customers can rapidly get hold of quotes and plan data on-line when shopping for journey insurance coverage from TravelProtected. There’s additionally a web-based portal for purchasers to handle their insurance policies and submit claims.
TravelProtected journey insurance coverage buyer satisfaction
Despite some adverse suggestions concerning complicated declare procedures posted on journey insurance coverage evaluation web sites, TravelProtected enjoys usually constructive buyer satisfaction rankings. Specifically, many shoppers report constructive interactions with firm representatives.
TravelProtected journey insurance coverage FAQs
Is TravelProtected insurance coverage legit?
TravelProtected is a official and well-known firm within the journey insurance coverage trade. Its claims are insured and underwritten by the United States Fire Insurance Company. The firm’s GolfSafe merchandise are backed by Nationwide Insurance.
Is TravelProtected insurance coverage dependable?
While experiences might range, many shoppers have praised TravelProtected’s broad protection choices and diligent customer support, asserting its reliability.
How we evaluated TravelProtected Insurance
To present an correct evaluation of TravelProtected’s choices, we thought of a number of components, together with:
- Insurance plan protection: This included trying on the completely different protection ranges offered by TravelProtected and every plan’s particular options and advantages.
- Examination of phrases and circumstances: We performed an in depth evaluation of TravelProtected’s phrases and circumstances, together with exclusions, circumstances for claims and different authorized parameters.
- Analysis of buyer critiques and monetary rankings: We examined critiques and rankings from numerous shopper evaluation platforms and credit standing businesses to grasp prospects’ experiences and TravelProtected’s monetary stability.
Summary of Money’s TravelProtected insurance coverage evaluation
TravelProtected provides complete protection for numerous journey wants, particularly when you’re a golfer. It additionally stands out by providing far larger emergency medical protection than many opponents.
One slight disadvantage is that TravelProtected provides solely two types of basic journey insurance coverage along with golfer-centric packages. However, there are optionally available add-ons you can embrace in your plan for an additional cost. It’s additionally price noting that TravelProtected’s baggage delay protection is decrease than some opponents’ limits on equally priced plans.
Before you purchase journey insurance coverage, think about whether or not journey insurance coverage is price it primarily based in your wants. You can get TravelProtected quotes and evaluate plans on the corporate’s web site.
