UPDATED: Nov 30, 2018
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APRIL was founded in 1988 as April Assurances in Lyon, France. The company began expanding into other countries a decade after its founding, first in Italy and then across Europe and beyond. 2007 saw the company’s entry into the North American market with the purchase of a Canadian company; today they operate in 31 countries including the United States.
Although they have many different plans internationally, in the U.S. market APRIL only currently offers single and multi-trip travel insurance packages and ticket insurance. U.S. policies are underwritten by American Modern Insurance Company, which underwrites for other travel insurance companies as well.
APRIL travel plans are sold online through the company website and through select travel agencies. The U.S. headquarters is located in Miami, FL.
There is a wide array of products offered by this company internationally, but for the purpose of this review, we will focus on the plans that are available to American travelers. These are trip protection package policies with varying benefits.
APRIL’s budget travel package includes 100% of the trip cost for cancellation and 150% of the trip cost for an interruption, which we do not usually see on an economy plan. It also has an impressive $50,000 in emergency medical coverage and $250,000 in medical evacuation – both of these numbers are much higher than the standard base travel package. This plan also includes coverage for trip delay and baggage. Pre-existing conditions are also covered. Accidental death & dismemberment (AD&D) is included at $25,000.
The Economy plan has a trip cost limit of $20,000, and the maximum trip length is 60 days.
The VIP plan has the same cancellation and interruption benefits, but kicks emergency medical coverage up to $250,000 and doubles the medical evacuation coverage to $500,000. Trip delay and baggage coverage are also increased, and AD&D is included up to $200,000.
This plan has a maximum trip cost of $30,000, and like the Economy plan also covers pre-existing conditions.
Single Trip Choice
The Choice plan is customizable and starts with a base level of medical coverage and trip cancellation/interruption that is the same as the Economy plan. AD&D is included at $10,000, medical evacuation at $250,000, and pre-existing conditions are covered. This plan has a slightly higher trip delay and baggage coverage than Economy.
This plan allows several options that can be added on to customize the policy, including:
- Cancel for Any Reason
- Cancel for Work Reasons
- Sports & Business Equipment Baggage Coverage
- Financial Insolvency of Travel Carrier
- Rental Car Coverage
APRIL offers a standalone trip cancellation policy that pays 100% of trip cost. Cancel for Any Reason coverage can be added as an optional benefit with this policy.
APRIL’s multi-trip plan covers an unlimited number of trips over the course of a year, with a 60-day limit on individual trips.
The plan includes $2,000 in trip interruption coverage and has $30,000 in emergency medical coverage. Medical evacuation is covered at $50,000. This plan includes basic trip protection include delay and baggage.
The only non-travel item offered by APRIL is TicketPlan. This provides coverage for event tickets in the event that the purchaser cannot attend as planned.
Of the plans offered, only two have online quoting available, a system we found to be frustrating and highly unusual. For single trip travel, only the Choice plan offered the option to request a quote. We used our sample of a 30-year-old traveler from California visiting the U.K. for seven days, with a trip cost of $5,000.
The Choice plan returned a rate of $88. This is a secondary medical plan with a number of available upgrades. The Cancel for Any Reason add-on, for example, was quoted at an additional $44 dollars. Rental car coverage could be added at a rate of $10 per day. While the medical evacuation coverage can be doubled for $11, there is no option to increase the emergency medical benefit on this plan.
The base rate for this plan is quite low, all things considered.
We also ran a quote for the multi-trip plan, the only other option that offers online quoting. This plan came back at $198 for a year. While that seems like a very reasonable rate, it should be remembered that this plan offers limited medical coverage and does not have trip cancellation coverage.
April offers online claims filing as well as telephone assistance, although the claims page does not provide a direct link to the claims forms, nor does it list the phone number to call. According to the contact page, there is more than one phone number depending on when the policy was purchased.
According to the site, claims are processed within 7-10 days on average. While the site states that APRIL’s claims processing system is advanced and fast, they do not entirely explain how that is so.
Overall, the actual useful information on the site in regards to claims is minimal.
Ratings and Consumer Reviews
APRIL’s U.S. branch has an A+ rating with the Better Business Bureau (BBB). There are a total of 18 complaints on file in the past three years, seven of which were filed in the past year.
Further research found only three reviews on TrustPilot, but are unable to verify whether any of those were for the U.S. operation. The fact that this company is European and has not been operating in the U.S. for very long could be responsible for the general lack of reviews.
The Bottom Line
APRIL appears to have some good policy options at reasonable prices, with one of the lowest base prices we have seen for a travel plan, albeit with secondary medical. Customers may find the website frustrating to use; this is especially true when it comes to getting quotes. There does not seem to be any red flags here, but it would be beneficial for the company to review their site in terms of making the user experience on their website a bit more streamlined, particularly since they tout their “easy online application”.
For a list of companies that we recommend, visit our Best Insurance Companies page.