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Travelex travel insurance review
Get unmatched travel protection and emergency travel assistance with Travelex
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If you want to avoid the stress and hassle that’s traveling can bring, get a travel insurance policy from Travelex, one of the leading providers of travel insurance in North America. They have a variety of plans to choose from, including family-friendly and customized plans.
Travelex is part of the Travelex Group and it’s underwritten by the TransAmerica Casualty Insurance Company and Old Republic Insurance Company, both A-rated companies based on the standards of A.M. Best Company for financial strength and operating performance.
Compare Travelex coverage options
Read more about Travelex’s insurance policies
Select the protection package you’d like and customized any coverage. Besides coverage details, the price you’ll pay for your policy also depends on several factors: your age and state of residence and the cost and dates of your trip. Use the Travelex online calculator to see your custom quote.
You can also choose to customize with upgrades on the Travelex website.
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.
Travel Max
For travelers who don’t want to leave anything out, consider the Travel Max plan for extensive coverage. It offers travelers the luxury to cancel at any time — exclusive to this plan. This package also includes:
- Emergency medical & evacuation.
- Trip cancellation for business reasons.
- Cancel for any reason upgrade.
- Missed cruise connection.
- Accident and rental car damage coverage.
- 30 days pre-existing condition exclusion waiver.
- Flight accident AD&D.
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.
Benefits available on Travelex travel insurance policies
| Benefits | Maximum coverage/per person |
|---|---|
| Trip cancellation | Up to 100% of the full trip |
| Trip interruption | Up 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 services | 24-hour legal help, emergency cash transfer, document and ticket replacement |
| 24-hour AD&D | $25,000 |
What’s not covered?
- Events that were reasonably foreseeable.
- Claims arising as a result of intoxication or being under the influence of drugs.
Additional options available on Travelex travel insurance policies
The need for travel insurance coverage varies based on your reason for traveling, who you’re traveling with and what kind of coverage you already have. Being able to upgrade and add on benefits makes Travelex a good choice for all kinds of travelers. The optional benefits you can choose to include in your plan varies based on the policy you purchase, but the overall upgrades that are available include:
- 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.
Making a travel insurance claim with Travelex
Making a claim with Travelex is simple and easy. First, go to the Travelex website and follow the steps. To file the claim online, you’ll need to know your product plan number and the type of insurance plan you have.
- 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.
- For 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.
- To file a claim, all receipts and bills must be original. Photocopies are not accepted.
Frequently asked questions
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Yes, Travelex has a many plans for you to choose from. While you may opt to exclude trip cancellation protection from your insurance coverage, Travelex provides other benefits to protect your trip such as evacuation and repatriation, emergency medical and trip delay.
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Yes. Travelex provides a 10-day grace period during which you can cancel your policy for a full refund, minus a deduction for the processing fee.
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Call Travelex before your scheduled departure to make the necessary changes. The numbers to call are provided in your confirmation of coverage booklet.
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The Travelex customer service team can help you understand your policy. Call 800-228-9792, Monday to Friday.
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Once you purchase your insurance policy, you will receive a confirmation of coverage and other documents applicable to your policy. Your description of coverage will also be sent via mail, fax or email. When you travel, take both documents to use in the event of an emergency.
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Travelex’s family-friendly plan provides families with affordable travel insurance coverage. For no additional cost, children under the age of 21 are covered when they travel with their parents or another covered family member.
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With Travelex’s travel insurance upgrades and options, policyholders can choose to include additional coverage and benefits in their individual policies.
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Will is a personal finance writer for finder specialising in content on insurance. While he cannot give personal advice to clients, Will enjoys explaining the intricacies of different types of protective cover to help individuals and businesses find affordable cover that won't leave them underinsured.