{"id":264957,"date":"2024-01-14T18:40:26","date_gmt":"2024-01-14T23:40:26","guid":{"rendered":"https:\/\/www.nomadicmatt.com\/?p=264957"},"modified":"2026-01-08T02:42:32","modified_gmt":"2026-01-08T07:42:32","slug":"insuremytrip-review","status":"publish","type":"post","link":"https:\/\/www.nomadicmatt.com\/travel-blogs\/insuremytrip-review\/","title":{"rendered":"InsureMyTrip Travel Insurance Review"},"content":{"rendered":"

\"A<\/p>\n

Travel insurance<\/a> provides a vital safety net against unexpected costs that may arise due to the myriad things that can go wrong on the road. That includes everything from illness and injury to canceled flights and lost luggage to the death of a family member back home. <\/p>\n

I know, it\u2019s not fun to think about, but travel insurance is the single most important thing you should purchase before your trip. It\u2019s something I strongly advise travelers to never leave home without (I buy it for every single one of my trips). I\u2019ve seen it help many, many people over the years. Myself included. <\/p>\n

It\u2019s easier than ever to find a policy that meets your needs and budget, especially with tools out there like InsureMyTrip<\/a>. <\/p>\n

In this InsureMyTrip review, I\u2019ll go over what the company offers and the pros and cons of using them as a service to use when planning your trip. <\/p>\n


\n <\/p>\n

What Is InsureMyTrip?<\/h3>\n

\"Screenshot
\nInsureMyTrip<\/a> (IMT) is a travel insurance comparison site that has been helping people find their ideal policy since 2000. To be clear, this means that IMT does not provide any of the plans listed on its site. It does not offer any policies or underwrite any claims. Instead, it is a marketplace that makes it easy to find the best plan to meet your needs. <\/p>\n

IMT searches all policies across 20 insurance companies according to your search criteria, and you\u2019ll only be shown policies for which you\u2019re eligible. This saves you the frustration of looking for travel insurance policies elsewhere, only to discover that they don\u2019t cover your age range (or other requirements you have). <\/p>\n

Using data sourced from over 100,000 real customer reviews, it continually evaluates whether a provider can remain a recommended option to consumers. Each review contains a rating in the areas of coverage, cost, satisfaction, and claims (if any were filed). When you build a personalized quote, each plan will have a link to reviews, so you can read feedback from real users of that plan. <\/p>\n

I\u2019ll get into who IMT is ideal for further on in this review.<\/p>\n

How InsureMyTrip Works <\/h3>\n

\"Screenshot
\nInsureMyTrip<\/a> is a marketplace of 20 insurance providers. It searches all the plans offered by these providers to find the best plan for you. Obviously, this would take a ton of time to do yourself if you checked each policy individually. With IMT, it happens in a matter of seconds once you fill in your trip information and build a quote. Plus, you know that you\u2019re only seeing plans with multiple positive ratings and reviews from actual customers. <\/p>\n

Here\u2019s the information you\u2019ll fill in to get a free quote:<\/p>\n

\"Screenshot<\/p>\n

Once you enter your details, you\u2019ll be brought to a page with various plans. The prices shown below are from an example quote for a 42-year-old traveler from New York going to Thailand for two weeks:<\/p>\n

\"Screenshot<\/p>\n

This is just a snippet of three (out of many) suggested plans and, as you can see, the price varies widely among them. <\/p>\n

That\u2019s where IMT\u2019s comparison tool comes in. Just hit the \u201ccompare\u201d box underneath the price to select and compare different plans side by side. <\/p>\n

The comparison page looks like this:<\/p>\n

\"Screenshot<\/p>\n

The compare tool makes it easy to see the details of different plans side by side. This way you can easily see at a glance which ones work for your needs and which don\u2019t. Ultimately, only you can decide whether you want higher coverage limits and are willing to pay a bit more for them but the comparison feature makes it easy to decide.<\/p>\n

Personally, I always recommend getting at least $100,000 USD in coverage. You don\u2019t want to skimp on coverage and, if something happens, end up hitting your limit before the problem is taken care of (read this post on buying travel insurance<\/a> for more information).<\/p>\n

No matter the plan you end up choosing, you\u2019ll know that you\u2019re covered with IMT\u2019s Price Guarantee. This is another feature I really like, as it promises that you won’t find a lower price for the same plan elsewhere. So, when you search IMT, you know you\u2019re getting the best possible price for that plan. <\/p>\n

If that\u2019s not enough to provide peace of mind, IMT also has a Money Back Guarantee. This means that you can cancel the policy during a review period (usually up to 10 days after purchase) and get a full refund as long as you haven\u2019t made any claims yet or started your trip.
\n <\/p>\n

InsureMyTrip\u2019s Guarantees<\/h3>\n

As mentioned above, InsureMyTrip<\/a> has several important guarantees that ensure you buy the best policy for your trip. These guarantees include:<\/p>\n

Price Guarantee<\/strong>
\nInsureMyTrip\u2019s Price Guarantee means that you won\u2019t find the same plan cheaper anywhere else. While there are sites out there that might advertise lower prices, the discounts they\u2019re offering aren\u2019t strictly legal. Insurance is regulated by state, with specific rules around offering discounts and cheaper prices. IMT offers the absolute lowest prices while remaining fully compliant with all such regulations. Don\u2019t choose a less reputable site for the sake of saving a few bucks, as it could create problems for you down the line if you need to rely on that insurance.<\/p>\n

Money Back Guarantee <\/strong>
\nIMT\u2019s Money Back Guarantee enables you to cancel your plan during the review period and get your money back. Most plans let you cancel for a full refund during this period, though eligibility and review period timelines do vary by policy. Some also charge a nonrefundable administrative fee to get your money back. As always, read the fine print before purchasing to verify eligibility. You can also reach out to IMT\u2019s customer service team if you have any doubts about whether the plan you want to purchase is covered by this guarantee.
\n <\/p>\n

Pros of Using InsureMyTrip<\/h3>\n
    \n
  • Quickly compare plans from 20 companies<\/li>\n
  • Friendly customer care representatives<\/li>\n
  • Easy-to-use website for fast and free quotes<\/li>\n
  • Ability to customize your plan with optional add-ons, such as CFAR (Cancel for Any Reason)<\/li>\n
  • Two guarantees for peace of mind (Best Price, Money Back) <\/li>\n
  • Anytime Advocates\u00ae to help if your claim gets denied by the insurance company <\/li>\n<\/ul>\n

    Cons of Using InsureMyTrip<\/h3>\n
      \n
    • Does not search every travel insurance company <\/li>\n
    • Must have set trip dates and costs to get a quote<\/li>\n<\/ul>\n

       <\/p>\n

      Who Is IMT For?<\/h3>\n

      InsureMyTrip<\/a> is a helpful marketplace for travelers looking to find a personalized insurance policy. Specifically, IMT is best for those going on trips with set beginning and end dates that have major fixed and nonrefundable costs, as with IMT, you purchase a policy based on your estimated trip costs. These could include round-trip airfare, prepaid accommodations, all-inclusive vacation packages (such as cruises or resorts), or group tour packages. <\/p>\n

      This could apply to many types of vacations and travelers. However, I especially recommend IMT for:<\/p>\n

        \n
      • Senior travelers as they include plans for folks over 70 and most other companies do not<\/li>\n
      • Anyone who wants add-ons, like CFAR coverage<\/li>\n
      • Cruisers (there are cruise-specific plans)<\/li>\n<\/ul>\n

        On the flip side, IMT is not a great option for digital nomads or long-term travelers who have ongoing expenses with no fixed end date and therefore won\u2019t be able to insure a trip with a specific cost. (If this is you, check out this post on the best travel insurance for digital nomads<\/a>.)<\/p>\n

        Want to learn more about IMT? They joined us for an hour-long conversation all about travel insurance. It’s full of great tips and info. You can check it out below:<\/strong><\/p>\n