Travel Insured International Review: Is This the Safety Net You’re Missing? 

Travel insurance is like packing an umbrella. It’s annoying until you need it. 

One minute, you’re living your best life on vacation, and the next, a cancelled flight or a surprise hospital visit flips everything upside down.

That’s when travel insurance steps up and has your back. One such safety net is Travel Insured International.

But is Travel Insured International really the safety net you’ll be glad to have? 

In my Travel Insured International review, I talk about the good, the bad, and the “they covered that?” moments. Why? So you know what to expect when the unexpected happens.

Ready? Let’s roll.

What Is Travel Insured International?

Alright, let’s kick this off. Travel Insured International (TII) is one of those companies that promises to have your back when things go sideways on a trip. 

From trip cancellations to medical emergencies, they offer a range of plans designed to cover most of the “Oh no!” moments travellers dread.

They’ve been around for a while and are known for their comprehensive plans. But is it all sunshine and rainbows? Well, let’s find out together.

Pros and Cons of Travel Insured International

In a rush? Got no time for a detailed Travel insured International review? Here are the TII pros and cons you should be aware of.

With that wrapped up, let’s continue this Travel Insured International review by looking at what’s included and excluded in their typical travel policies.

What's Included in Travel Insured International Policies?

Let’s get into the nitty-gritty. Travel Insured International (TII) offers a range of benefits, and while their plans vary, here’s what most of their popular options include:

Trip Cancellation and Interruption

This one’s the bread and butter of travel insurance. 

If you have to cancel or cut your trip short for a covered reason (think illness, a family emergency, or that pesky hurricane), TII reimburses your non-refundable costs—like flights, hotels, and tours.

Here’s the catch: “covered reasons” are pretty specific. If your dog sitter bails last minute or you just don’t feel like going, you’re out of luck—unless you’ve sprung for the Cancel for Any Reason upgrade (more on that later).

Medical and Evacuation Coverage

Ever googled “hospital costs abroad”? Yeah, don’t. 

TII’s medical and evacuation coverage is a lifesaver—literally. 

It handles unexpected medical expenses, whether you twist your ankle on a cobblestone street or come down with something exotic you can’t pronounce.

If things get really serious, they’ll cover emergency evacuation to the nearest medical facility or even back home. But keep in mind, the coverage limits vary, so double-check those numbers if you’re heading somewhere remote or planning risky activities.

Baggage and Personal Effects

Lost luggage? Stolen passport? TII steps in to help. They’ll reimburse you for personal items up to a certain limit. It’s enough to replace the basics, but don’t expect them to fund a full-on shopping spree.

My Pro Tip: Hold on to your receipts. If you can’t prove what you had, you might be fighting for every dollar.

 And no, they won’t replace sentimental value—so maybe leave grandma’s heirloom necklace at home.

Travel Delay Benefits

Ever been stuck in an airport overnight? It’s the stuff of nightmares. If your flight’s delayed long enough (check your policy for the exact hours), TII reimburses expenses like food, lodging, and transportation.

It’s not glamorous, but hey, a hot meal and a hotel bed beat sleeping on the terminal floor. Just don’t expect them to cover every little inconvenience—minor delays won’t make the cut.

Cancel for Any Reason (CFAR)

Now, this is the upgrade everyone talks about.

CFAR lets you cancel your trip for literally any reason—cold feet, bad vibes, whatever—and still get up to 75% of your costs back.

It’s pricey, though, and there’s a deadline to buy it (usually within 21 days of your first trip payment). 

Personally?

If you’re a commitment-phobe or travelling during unpredictable times, it might be worth the splurge. Otherwise, you might find yourself paying extra for peace of mind you never use.

TII’s coverage is solid but far from perfect. 

It’s comprehensive enough for most travellers, but you need to read the fine print to understand exactly what’s covered—and what’s not. 

If you’re expecting a magical “fix everything” policy, this isn’t it. But for the big stuff? They’ve got you covered. Next, let’s look at what they don’t cover.

What's Not Covered by Travel Insured International

Ah, the fine print—where all the gotchas and exclusions live. 

While Travel Insured International (TII) offers solid coverage, there are limits. Here’s what you won’t find in their standard policies (and a few things to watch out for).

Pre-Existing Conditions

Got a medical condition that flares up on vacation? 

Unless you buy the pre-existing conditions waiver, you’re on your own. Without it, TII won’t cover anything related to health issues you’ve had before purchasing the policy.

The waiver is an extra cost, and there’s a deadline to add it (usually within 14-21 days of booking your trip). 

If you’ve got a chronic condition like I do, this is one of those better safe-than-sorry upgrades.

Extreme Sports and High-Risk Activities

Planning to go bungee jumping, scuba diving, or heli-skiing? Not so fast. 

Standard TII policies don’t cover “risky” activities unless you buy extra adventure sports coverage. Even then, some things might still be excluded.

My advice? Check the fine print before you book that adrenaline-filled excursion. Otherwise, check out Rise & Shield. We cover over 151 adventure activities.

Pandemic-Related Cancellations

COVID-19 taught us a lot, including how tricky pandemic-related coverage can be. TII covers some COVID-related medical expenses and trip interruptions, but don’t expect a free pass for every pandemic problem.

For example, if your destination suddenly goes into lockdown, you might not be covered unless you’ve got Cancel for Any Reason (CFAR). 

It’s frustrating, but unfortunately, it's pretty standard in the travel insurance world.

Neglect or Illegal Activities

Jumping fences to snap that “perfect” Instagram shot? Getting rowdy on a scooter after a few too many margaritas? If things go wrong, TII won’t be footing the bill.

Their policies explicitly exclude claims resulting from illegal or reckless behaviour. So, play it smart—and maybe save the risky moves for the movies.

So, does TII sound like the best travel insurance company around? Let’s first check out how to get a TII policy.

Using a Travel Insured International Policy

Getting and managing a Travel Insured International (TII) policy isn’t rocket science, but there are a few steps to make sure you’re covered when things go south. 

Let me break it down for you into three easy steps: getting your policy, customising your coverage, and managing it like a pro.

Step 1: Getting Your TII Travel Policy

Start by heading to TII’s website. Choose a plan that fits your trip, whether it’s a quick weekend getaway or a multi-country extravaganza.

Once you’ve selected your plan, you’ll need to provide details about your trip—dates, destinations, and costs—and then, boom, you’re ready to pay. 

After checkout, they’ll send you all the documents via email.

My Pro Tip: Save these documents somewhere you won’t lose them. I like to keep a copy on my phone and in the cloud. If you’re a paper-lover, print a copy too. 

There’s nothing worse than scrambling for your policy number when things go sideways.

Step 2: Customising Your Coverage

Want to add extra protection? TII offers a bunch of upgrades, from Cancel for Any Reason (CFAR) to adventure sports coverage. 

This is your chance to tailor your policy to your specific trip. Planning to snorkel in Thailand? Add that sports rider. 

Nervous about sudden cancellations? CFAR might be worth the splurge.

When customising, read the fine print carefully. Some upgrades (like CFAR) have time-sensitive windows for purchase—miss the deadline, and you’re out of luck.

My Pro Tip: If you’re unsure about what you need, don’t be shy—call their customer service. It’s better to ask too many questions now than to regret skipping coverage later.

Step 3: Managing Your Policy

Once you’ve got your policy locked in, managing it is simple—if you’re organised. Keep those policy docs handy, especially if you’re travelling through sketchy Wi-Fi zones.

Familiarise yourself with what’s covered and what’s not before you go. Nobody wants to find out mid-crisis that their scuba accident isn’t covered.

If disaster strikes and you need to file a claim, be prepared to provide proof—receipts, photos, reports, you name it. 

The more thorough you are, the smoother the process will be. And don’t wait until you’re home to start the claim; notify TII as soon as possible.

My Pro Tip: Add TII’s customer service number to your phone before you leave. If you’re stuck in an airport or hospital, you’ll thank yourself for having it on speed dial.

So what happens when you must make a claim with Travel Insured International? For this TII review, I checked out how their claims process works. Here’s what you can expect.

Filing a Claim with Travel Insured International

Ah, the dreaded claim process—where patience and paperwork collide. Filing a claim with Travel Insured International (TII) isn’t complicated, but it does require some effort. 

Here’s how it works and what to expect (spoiler: it’s not always quick).

Step 1: Gather Your Evidence

First things first, you’ll need proof—lots of it. TII won’t just take your word for it, so be ready to back up your claim with solid documentation. Here’s the usual checklist:

• Receipts: For your trip expenses (flights, hotels, tours, etc.). If you don’t have receipts, now’s the time to start digging through your email.
• Proof of the Issue: This could be a doctor’s note for medical claims, a police report for stolen items, or that dreaded flight cancellation notice for delays.
• Photos or Videos: If you’re filing for lost or damaged luggage, photographic evidence of the damage (or the shiny, intact item you once owned) can go a long way.

Step 2: Fill Out the Claim Form

Next, you’ll need to complete TII’s claim form. It’s not the most thrilling task, but it’s pretty straightforward—just make sure you’re thorough. Missing details can delay the process, and trust me, you don’t want that.

Step 3: Submit and Wait (and Wait…)

Once your paperwork is complete, submit your claim online or via email. Then, the waiting game begins. 

Some claims are processed quickly—within a week or two—but others can take longer. Think “longer than a Monday morning after a holiday weekend” kind of long.

If your claim seems to be taking forever, don’t be afraid to follow up. A polite nudge can sometimes move things along. 

Just keep in mind, claims involving big-ticket items or medical evacuations often take more time because they require extra review.

Step 4: Get Paid (Hopefully)

If your claim is approved, TII will reimburse you via direct deposit or check. 

But keep in mind, they’ll only pay for covered expenses. If something’s outside the scope of your policy, you won’t see a dime—so double-check what’s covered before you file.

If your claim is denied, don’t lose hope just yet. You can appeal the decision, but this will likely involve even more paperwork and patience.

So, this begs the question: What do other travellers have to say about Travel insured International? I did some digging.

Other Online Reviews of Travel Insured International

So, what’s the buzz about Travel Insured International (TII) in the digital grapevine? Well, opinions are as varied as the souvenirs in a tourist trap.

On the Better Business Bureau (BBB) website, TII holds an A+ rating, which sounds impressive.

However, customer reviews tell a more nuanced story, averaging around 2.84 out of 5 stars based on 143 reviews.

Common praises highlight the peace of mind their policies provide, with one customer noting, “I almost had to use my insurance to cancel my trip due to work. Luckily, I didn’t have to, but so reassuring knowing the insurance was there if I did need it!”

On the flip side, some customers express frustration over denied claims and the complexity of the claims process. 

One reviewer lamented, “Purchased this travel insurance for our family trip... All the receipts were sent to this company and no resolution. I called multiple times and always told the medical bill were done but they never sent me the confirmation of such.”

While TII’s coverage options receive nods of approval, the claims process appears to be a sticking point for some travellers.

As always, your mileage may vary, so it’s wise to read the fine print and perhaps keep your expectations in check.

Ready to wrap up my Travel Insured International review? Here’s my final verdict.

My Final Verdict

So, would I recommend Travel Insured International? 

It depends. 

If you’re looking for solid coverage and don’t mind paying a bit more, TII is a great option. Their policies are packed with features, and the ability to customise is a huge plus.

My Final Thoughts