C&F Travel Insured International Review 2024

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Between booking your hotel and packing all your travel essentials, even the most avid planners may overlook trip insurance. Travel insurance can help you recuperate financial losses to give you peace of mind, no matter how far away you are from home.

We are here to break down C&F Travel Insured coverage options, costs, and how the company compares to its competitors.

Introduction to C&F Travel Insured

Crum and Forster is an insurance company that provides a wide array of corporate insurance products covering property, casualty, accident, and health. It also offers travel insurance under the name Travel Insured International. Included among our guide on the best international travel insurance, C&F Travel Insured offers comprehensive coverage with unique add-ons that distinguishes itself from many of the best travel insurance companies. 

While policies aren’t particularly low-cost for most single travelers, they’re exceedingly cheap for families traveling with kids as kids are heavily discounted under the Protector Edge plan and completely free under the Protector plan. 

C&F Travel Insured also has an annual multi-trip policy which has an optional cancel for any reason upgrade. It’s noteworthy since most annual plans don’t offer CFAR upgrades. It also offers medical emergency coverage for pre-existing conditions, which is also uncommon among annual plans. 

Types of Policies Offered by C&F Travel Insured

C&F Travel Insured offers two coverage options: Worldwide Trip Protector and Worldwide Trip Protector Edge.

With this travel insurance agency, you’ll find an a la carte of coverage options and optional policy add-ons like “cancel for any reason” (CFAR) and “interrupt for any reason” (IFAR) coverage.

You’ll find a comprehensive list of features included in each policy below:

C&F Travel Insured International Annual Multi-trip Protector

C&F Travel Insured’s annual plan covers all trips under 45 days taken within a year. This policy is only available to travelers under 80. 

Additional coverage options from C&F Travel Insured

If you need more coverage, you may fancy C&F Travel Insured’s vast array of insurance add-ons and riders.

• Cancel for any reason coverage — Receive up to 75% of the cost of your trip for unused, forfeited, or nonrefundable deposits. Policy must be purchased within 21 days of initial trip payment.
• Interrupt for any reason coverage — Starting 72 hours after your scheduled departure, C&F will reimburse up to 75% of nonrefundable costs. IFAR coverage is specific to land and water bookings.
• Cancel for work reasons coverage — Get reimbursed for up to 100% of the cost of your or your traveling partner’s trip due to a work conflict.
• Air flight only, accident, death, and dismemberment coverage — Provides compensation for accidents during your flight.
• Electronic equipment coverage — Get reimbursed for electronics stolen, damaged, or destroyed during your trip.
• Event ticket registration fee protection — Receive reimbursement for unused, forfeited, or nonrefundable event ticket registration fees.
• Rental car damage and theft — Get coverage for rental car damages beyond your control.
• Travel inconvenience — Receive reimbursement for covered events such as closed attractions, beach closures, and flight delays.
• Bed rest — Get reimbursed for unforeseen ailments and injuries requiring bed rest or quarantine for at least 48 hours.

C&F Travel Insured Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you’ll get an instant quote for C&F Travel Insured plans available for your trip. And from there, it’s easy to compare each option based on your coverage needs and budget.

Now let’s look at a few examples to estimate C&F Travel Insured’s travel insurance costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following
travel insurance quotes:

• Worldwide Trip Protector Edge: $105
• Worldwide Trip Protector: $ 140

Premiums for C&F Travel Insured plans are between 3.5% and 4.6% of the trip’s cost, well within the average cost of travel insurance.

C&F Travel Insured provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• Worldwide Trip Protector Edge: $141
• Worldwide Trip Protector: $177

Once again, premiums for C&F Travel Insured plans are between 3.5% and 4.4% of the trip’s cost, within and below the expected range of travel insurance costs.

A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:

• Worldwide Trip Protector Edge: $420
• Worldwide Trip Protector: $624

Quotes for this trip cost between 2.1% and 3.1%, below the average cost of travel insurance. Note that insuring children with C&F Travel Insured is heavily discounted with the Edge plan and completely free with the Protector plan.

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:

• Worldwide Trip Protector Edge: $562
• Worldwide Trip Protector: $782

Premiums forC&F Travel Insured plans for older-age travelers are between 9.4% and 13%, which is well above the average cost for travel insurance. 

C&F Travel Insured Annual Multi-Trip Policy

Annual policies for C&F Travel Insured cost the following: 

Adults: $94 yearly

Kids: $64 yearly

Prices will vary based on optional add-ons attached to your policy.

How to Purchase and Manage a C&F Travel Insured Policy

Purchasing a policy with C&F Travel Insured is simple. You’ll first need to go to the C&F Travel Insured website to acquire a quote. You’ll need to be prepared to provide the following information:

• Travel dates
• State of residence
• Number of travelers
• Age of traveler(s)
• Cost of trip per traveler
• Initial payment date
• Type of travel (cruise/other)
• Email address

Once you input this information, you’ll be taken to the quotes page, where you can select a policy and add any desired riders. While you don’t have to add your destination when receiving a quote, you’ll have to add a destination once you check out. 

How to File a Claim with C&F Travel Insured International

When you experience a loss on your trip, you’ll need to act quick when filing a claim, within 20 days of experiencing the covered loss. You can start a claim by filling out a short form with the plan number listed on your confirmation of benefits document and your last name. 

Alternatively, you can give the company a call at 855-752-8303. C&F Travel Insured’s hours of operation are Monday through Friday from 8:00 a.m. to 6:00 p.m. EST. You can also email the team at claims@travelinsured.com. 

According to the Explanation of Benefits, C&F Travel Insured will pay out within 30 days of receiving proof of loss. Once this period has elapsed, your payout will begin accruing interest at 9% APY.

C&F Travel Insured Customer Service and Claims Experience

C&F Travel Insured has overall positive customer reviews, receiving an average of 4.4 stars out of five on its Squaremouth page and 4.1 stars out of five on its Trustpilot page. Customers were very complementary of the buying process, saying that customer service representatives were helpful and knowledgeable about policy options.

Reviews were mostly complementary of the claims process, saying it was straightforward and wait times weren’t too long. One customer on Squaremouth says their claim took just 48 hours to process.

Its BBB page fares far worse, receiving an average of 1.06 stars out of five. While reviews on BBB were overwhelmingly negative, C&F Travel Insuredwas far more diligent in responding to these reviews than Squaremouth or Trustpilot, usually addressing them within a business week. 

Compare C&F Travel Insured

Learn more about how C&F Travel Insured compares to popular travel insurance plans.

C&F Travel Insured International vs AIG Travel Guard

The most similar plan from Travel Guard is the mid-tier Travel Guard Preferred Plan. Below, we’ve outlined some of the main features of this insurance policy.

• Up to $150,000 in trip cancellation coverage
• Up to $225,000 in trip interruption coverage
• A maximum of $800 in travel delay coverage
• A maximum of $50,000 in emergency medical coverage
• Up to $150,000 in emergency evacuations
• Up to $1,000 coverage for baggage loss, theft, or damage

Below, you’ll find coverages for C&F Travel Insured Worldwide Trip Protector plan.

• 100% in trip cancellation coverage
• 150% trip interruption coverage
• Up to $1,000 in travel delay coverage after six hours
• A maximum of $100,000 in medical emergency coverage
• Up to $1 million in emergency evacuations
• Up to $1,000 in coverage for baggage loss, theft, or damage

At a glance, C&F Travel Insured Worldwide Trip Protector offers more travel insurance coverage than Travel Guard. Travel Guard’s travel insurance also caps the dollar amount of its trip cancellation and interruption coverage, which is something to keep in mind before buying travel insurance.

Read our AIG Travel Insurance review here.

C&F Travel Insured International vs iTravelInsured

iTravelInsured Travel Insurance‘s most popular plan is the Travel SE plan.

• 100% in trip cancellation coverage
• 150% in trip interruption coverage
• Up to $250,000 (primary coverage) for emergency medical coverage
• Up to $2,000 ($125 daily limit) in travel delay coverage for delays after 12 hours.
• $1,500 ($250 per item) maximum for baggage loss, theft, or damage

You’ll find more comprehensive medical and baggage loss coverage with iTravelInsured’s SE plan than C&F Travel Insured Worldwide Trip Protector.

iTravelInsured Travel LX and C&F Travel Insured WorldWide premium package also offer CFAR and IFAR coverage. Remember, your cost may vary based on personal factors such as age and travel destination. It’s best to generate rates using the companies’ quote tools and compare prices.

Read our iTravelInsured Insurance review here.

C&F Travel Insured International vs Credit Card Travel Insurance

Buying insurance through a travel insurance company like C&F Travel Insured is one of many ways to get coverage. However, travel insurance may also be a perk included in your credit card. It’s essential to check if any of your credit cards offer travel insurance and if the coverage is sufficient to meet your needs.

A separate travel insurance policy can help you fill gaps in your credit card’s travel insurance coverage. For instance, many credit cards offer trip cancellation and interruption coverage but not medical coverage. C&F Travel Insured’s Travel Medical Protector plan may be a good addition if you only need to add medical-related coverage.

Read our guide on the best credit cards with travel insurance here.

C&F Travel Insured FAQs

Why You Should Trust Us: How We Reviewed C&F Travel Insured

We looked at C&F Travel Insured’s coverages and compared it to the best travel insurance policies. We analyzed coverage options, claim limits, available add-ons, and typical insurance policy costs. The right policy will offer sufficient coverage for your situation at the most competitive price.

C&F Travel Insured offers aggressive options if you’re willing to pay a bit more. It also offers budget travel insurance plans for those looking to supplement credit card or other protections already in place. To find the travel insurance that makes sense, check out different providers and compare quotes.

You can read more about our ratings methods for insurance providers here.