TravelSafe Insurance Review & Complaints: Travel Insurance

TravelSafe Insurance offers two main package tiers for medical and trip protection coverage along with several add-on options for extended benefits. The current BBB rating is an A+. They sell policies online as well as through travel agents and other travel services. Read our review to learn more.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 17, 2021

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With more than 45 years of experience, TravelSafe Insurance has a long history in the travel insurance business. They offer two main package tiers for medical and trip protection coverage along with several add-on options for extended benefits.

A company with a long, successful history, TravelSafe has proven that it can adapt to changing demands in the marketplace to meet the needs of customers. Whether best Mexico travel insurance, Australia, or anywhere in between, TravelSafe can provide services to keep you covered.

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Is TravelSafe Insurance legit?

In business since 1971, TravelSafe is among the older travel insurance companies in the U.S., and also offers policies in Canada. According to the company website, they are the only privately-owned travel insurance company in the country; TravelSafe is owned by the Chester Perfetto Agency in Reading, PA.

TravelSafe policies are sold online as well as through travel agencies and other travel services. There are individual and group plans available at two levels, and the company partners with Seven Corners travel insurance to offer their Liaison Majestic long-term coverage plan.

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What types of insurance products are offered?

There are two travel insurance package policies available. Each can be enhanced with add-on coverage.

Basic

This is the budget plan for travelers who want base level coverage for a variety of potential risks. It offers 100% trip cancellation and interruption coverage and puts more limits on the acceptable reasons for cancellation than does the higher-level plan. This plan includes basic coverage for trip delay, missed connections, and baggage.

Emergency medical coverage for this plan is $35,000, which is high for a basic plan, and the coverage is primary. Medical evacuation coverage is not equally impressive, however, set at $100,000, which is standard for a base-level travel package.

Classic

The Classic plan increases most of the coverage levels, including 150% for trip interruption and higher limits for trip delay, missed connections, baggage, and more. This plan offers a wider array of acceptable reasons for trip cancellation than does the basic plan.

Medical coverage is high again, at $100,000, and again is primary coverage. The medical evacuation coverage is increased dramatically, up to $1,000,000, and the plan also includes $25,000 for non-medical evacuation.

Optional Benefits

There are three options that can be added on to either the Basic or the Classic plan. These are:

  • Rental car coverage of $35,000 in primary damage benefits
  • Air flight accidental death and dismemberment coverage, with choice of $100,000, $250,000, or $500,000
  • Extended personal property coverage of $1,000 for electronics and sports equipment rentals

Cancel for Any Reason

While TravelSafe lists Cancel for Any Reason coverage in various locations on their website and mention it in their FAQ section, it is not listed as an option on the product description pages. Previously, this company offered a Classic Plus plan that included this benefit; that plan does not appear to be available at the time of this review, nor did we see any plan that is similar. It was not until we got to sample quotes that the trip cancellation coverage option of Cancel for Any Reason appeared for the Classic Plan. This option covers 75% of the entire trip cost.

Are the rates competitive?

We ran our standard sample rate for a 7-day trip with a cost of $5,000, quoting a 30-year-old traveler from California.

The Basic travel insurance plan returned a rate of $181, which is one of the highest we have seen anywhere for a base-level package. This plan does offer higher emergency medical coverage than the average budget plan, which generally comes in at $10,000 – $15,000. Other than the higher emergency medical coverage, there does not seem to be other factors about this plan that make it stand out for the cost, however.

The Classic travel insurance plan came in at $240, which goes up to $440 when you add the cancel for any reason option. Even without that addition, we have seen plans with similar or better coverage for less elsewhere.

Rental car coverage adds $7 per day, Flight AD&D ranges from $10-$50 depending on coverage amount, and extended personal property adds $15. These rates are the same when added to either package.

Can claims be filed online?

TravelSafe has 24-hour assistance for policyholders, but as with most such companies, it is just for urgent needs during travel. Claims can be submitted either online, via a TravelSafe Insurance claim form, or over the phone. The online system is handled by a third-party administration service also utilized by several other companies. Claim status can also be viewed online.

The TravelSafe website has an easy to locate and informative claims page that covers most of the information needed to file any sort of claim. The claims procedure and processing time are likely to vary depending on which of the three underwriting companies is responsible for the policy. It is well worth asking when buying a policy from this company which of the three affiliated companies will be underwriting your coverage – and taking the time to check out the reputation of that company.

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Are the ratings and consumer reviews positive?

The Better Business Bureau (BBB) does not have a file for the company, but there is a file for the parent company, Chester Perfetto. Chester Perfetto has an A+ rating with only three complaints in the past three years. That cannot be said to apply to TravelSafe directly, but the reputation of a parent company always has some bearing on subsidiaries.

We found 13 reviews on Consumer Affairs. They seem to be evenly distributed, with five reviews that earned five stars, and four reviews at one star; the rest fell in between. Some of the reviews appear to reflect some confusion between TravelSafe and the travel agency, Chester Perfetto, that owns the insurance arm.

Overall, there simply is not a lot of reviews, and while that is usually a good sign, it is not always helpful in forming an opinion.

What’s the bottom line?

TravelSafe offers limited package choices that are on the expensive side for the coverage they provide. Most travelers will find good coverage with slightly better rates from other companies. It is likely that a customer may also get more peace of mind getting a travel insurance policy from a company with a stronger reputation. While there does not seem to be any red flags surrounding TravelSafe, there is too little in the way of information to strongly recommend them for travel insurance coverage.

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Are you looking for free insurance quotes?

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