Travelex Travel Insurance review March 2021 |

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Travelex travel insurance review

Choose between basic and premium policies, and score emergency travel assistance with Travelex.

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Travelex is one of the leading providers of travel insurance in the US — and for good reason. It offers family-friendly and customizable plans, as well as the ability to add a range of xtra coverage to your policy.

Compare Travelex travel insurance policies

Name Product Trip Cancellation Emergency Medical Expenses Baggage Coverage Trip Delay
Travelex Flight Insure Plus
Get more than just flight insurance and choose the coverage amount that meets your needs. Baggage and trip delay protection included.
Travelex Flight Insure
Protect the cost of your flight and choose the coverage amount that meets your needs — trip delay protection included.
Travelex Travel Select
Family friendly plan with free coverage for children under 17. Options to customize or upgrade to Adventure Sports coverage.
Travelex Travel Basic
Essential travel coverage — with the option to customize — that can protect the cost of your trip.

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What types of travel insurance does Travelex offer?

Travelex has a suite of coverage to suit different budgets and types of travelers.

Travel Basic

This package offers competitive coverage for travelers on a budget. It’s the ideal plan for domestic and short trips, offering money as reimbursements rather than credit vouchers. It also provides coverage for side excursions and missed cruised connections, along with:

  • Emergency medical evacuation.
  • Baggage delay.
  • Trip cancellation, delay or interruption.
  • Travel assistance and concierge services.
  • First payer, no deductibles.

Travel Select

This is a customizable plan, suitable for families traveling together. It covers kids under 21 for free, once they’re with a covered adult family member. The plan also includes:

  • Emergency medical & evacuation.
  • Baggage delay.
  • Missed cruise connection.
  • 50% or more trip cancellation reimbursement.
  • 21-day pre-existing condition exclusion waiver.
  • 24-hour AD&D benefit.

Business Traveler

Business travelers get coverage for both large and small businesses that offer insurance for their employees while they travel and includes:

  • Emergency medical & evacuation.
  • Professional business baggage cover.
  • Trip cancellation upgrades for business reasons.
  • 30-day coverage for each trip.
  • Missed cruise connection.

Flight Insure Plus

You have two coverage options: single-trip coverage for individuals traveling only once or twice per year, and a multi-trip plan for those who travel more than three times a year. You can choose your level of coverage that also includes:

  • Medical, baggage and AD&D coverage.
  • Accidental death or life insurance coverage.
  • Trip coverage of up to 180 days.
  • First payer, no deductibles.

What does Travelex travel insurance cover?

Most policies have these in-built benefits and coverage limits.

BenefitsMaximum coverage/per person
Trip cancellationUp to 100% of the full trip
Trip interruptionUp to 150% of the full trip
Trip delay$750
Missed connection/cruise$750
Baggage and personal effects$1,000 iPad and laptop protection with Business traveler plan
Baggage delay$250
Emergency medical evacuation and repatriation$500,000
Emergency medical and dental expenses$50,000
Accidental death and dismemberment$25,000
Travel assistance and concierge services24-hour legal help, emergency cash transfer, document and ticket replacement
24-hour AD&D$25,000

What’s not covered?

Your policy won’t cover these situations:

  • Events that were reasonably foreseeable — aka “known events”
  • Claims arising as a result of intoxication or being under the influence of drugs.

Can I add more coverage to my policy?

Depending on your policy, you may be able to upgrade your coverage with these extras:

  • Cancel for any reason. Makes it easy for you to cancel your trip for all unexpected and unforeseen reasons.
  • Rental car damage. If your plan doesn’t include rental car damage, include this option if you rent a car while traveling.
  • Pre-existing condition waiver. Coverage for travelers who have a pre-existing medical condition in a given time frame.
  • Flight insurance. Adds health and accident coverage and additional protection for your time and baggage.

How do I file a claim with Travelex?

The quickest way to file a claim is online, and you’ll need your policy number, as well as original copies of receipts and bills.

You may need to take these steps, too:

  • To file a claim for trip cancellation and interruption, you must contact your Travel Supplier and Claims Administrator to report your claim and avoid non-covered expenses for making a late claim.
  • To file a medical expense claim, ensure you have all receipts stating the amount you paid with specific listings of your diagnosis and treatment.
  • To file a claim for lost, stolen or damaged baggage, be sure to notify the local authorities, hotel management, or tour guide representative to receive a written statement that must be submitted when you file your claim.

Bottom line

Travelex has a full roster of travel insurance policies, from basic and flight-only coverage to comprehensive coverage with all the bells and whistles. But to make sure you’re getting the best coverage for the lowest price, compare travel insurance companies.

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