Finally! I waited almost 5 months for this!

Today is the day I finally received my travel insurance payment! It’s been so long that I almost forgot about it.


Since I had a lot of travel after lockdowns, my family got an annual travel insurance plan from September 2021-August 2022. It cost around $400 for the year and was with Travel Insured International.  The base plan covered the following for all trips during the year:

The plan did not cover trip cancellation, but I could add that on to individual trips for an additional cost.

Why did I buy this plan instead of relying on travel insurance through my credit card? Well, I use multiple credit cards and gift cards throughout the year to pay for vacations. Not all of them have insurance, and it’s difficult to keep track of which ones I use for each trip. I always buy extra insurance for cruises and international trips. I’d rather be over-insured than under-insured.

The Claim

In May, I visited the medical center on my cruise. The bill was almost $200. I filed a claim immediately.

In the past, I’ve received reimbursement from travel insurance a few days later. A visit to a cruise ship medical facility is a pretty standard thing that is covered.

But this time, I waited. And waited. I contacted the insurance company, only to receive automated emails. I also tried calling, but the wait times were too long and I gave up.

Well, today is my lucky day. After 5 1/2 months, I finally received the money from my claim! The wait time was ridiculous, but I suppose this is part of the “new normal” with the large number of pandemic travel claims plus staffing shortages.

A New Policy

My family has a lot of travel planned in 2023, so I do plan on getting another annual travel insurance policy soon. I’m not sure I will get one through Travel Insured International again due to the long wait time. However, I’m not sure other companies have shorter claim times right now anyway. Regardless, I will shop around a bit.

For those that have filed travel insurance claims this year, how long was your wait?

Photo by Levi Meir Clancy on Unsplash

How does my family travel so much? We use miles and points from credit card bonuses. See my Travel Hacking 101 post as well as current credit card offers here.

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