Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.
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.
C&F Travel Insured
compare policies and rates with SquareMouth Travel Insurance
Insider’s Rating
3.33/5
AM Best Financial Strength Rating
A
Pros
- Offers 2 major plans including CFAR coverage on the more expensive option
- Cancellation for job loss included as a covered reason for trip cancellation/interruption (does not require CFAR coverage to qualify)
- Frequent traveler reward included in both policies
- Up to $1 million in medical evacuation coverage available
Cons
- Medical coverage is only $100,000
- Reviews on claims processing indicate ongoing issues
Product Details
- C&F's Travel Insured policies allow travelers customize travel insurance to fit their specific needs. Frequent travelers may benefit from purchasing an annual travel insurance plan, then adding on CFAR coverage for any portions of travel that may incur greater risk.
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:
| Coverage | Worldwide Trip Protector | Worldwide Trip Protector Edge |
| Trip cancellation | 100% | 100% |
| Trip interruption | 150% | 150% |
| Cancel for any reason (optional) | 75% coverage when purchased within 21 days of initial trip payment | N/A |
| Interrupt for any reason (optional) | 75% coverage when purchased within 21 days of initial trip payment | N/A |
| Trip exchange | 50% ($75k max) | 50% ($75k max) |
| Trip delay | $1,500 or $200 daily after three hours | $300 or $100 daily after 12 hours |
| Change fee | $250 | $250 |
| Itinerary change | $500 | N/A |
| Frequent traveler reward | $250 | $250 |
| Single supplement | Included | Included |
| Missed connection | $500 after 3 hours | $300 after 12 hours |
| Pet Kennel | $500 ($50 per day) | N/A |
| Medical evacuation and repatriation of remains | $1M | $100K |
| Political, security, and natural disaster evacuation | $150K | N/A |
| Baggage and personal effects | $1K total or $250/article | $750 total or $250/article |
| Baggage delay | $500 after three hours | $200 after 12 hours |
| Travel medical/dental | $100K/$750 | $100K/$750 |
| 24-hour accident, death, and dismemberment | $10K | N/A |
| Pre-existing medical conditions waiver | Available | Available |
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.
| Coverage | C&F Travel Insured International Annual Multi-trip Protector |
| Optional Trip Cancellation | 100% |
| Optional Trip Interruption | 150% |
| Optional CFAR | 75% |
| Medical Evacuation and Repatriation | up to $100K per trip, two occurrences per policy |
| Optional Additional Medical Evac. and Repatriation | up to $400K per trip, two occurrences per policy |
| Political or Security Evacuation/Natural Disaster Evacuation | $150K |
| Trip Delay (12 hours) | up to $200 per day, max $5,000 per trip |
| Baggage and Personal Effects | up to $2,500 per trip |
| Per Article Limit | $250 |
| Baggage Delay (three hours) | $750 per trip |
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 reimbursem*nt 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 reimbursem*nt 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. Theaverage cost of travel insuranceis 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 Travel Insurance's SE plan than C&F Travel Insured Worldwide Trip Protector.
iTravelInsured Travel InsuranceTravel 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 insurancehere.
C&F Travel Insured FAQs
What does C&F Travel Insured stand out for?
C&F Travel Insured offers comprehensive coverage, but stands out for its riders as well as its pricing for family trips.
How does C&F Travel Insured pricing compare to other insurance providers?
C&F Travel Insured's prices are middling, with lower rates for children and high rates for senior travelers.
Is the customer service at C&F Travel Insured responsive and helpful?
The customer service at C&F Travel Insured is particularly good compared to its competitors, with communicative staff and a fast claims process.
Can I customize my insurance policy with C&F Travel Insured to fit my specific needs?
C&F Travel Insured typically offers customization options for their policies, allowing customers to add more coverage and select from a number of add-ons.
What is the process for filing a claim with C&F Travel Insure?
The claim filing process with C&F Travel Insured is streamlined and user-friendly, with support from their customer service team to assist policyholders throughout the process.
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.
Alani Asis is a personal finance expert covering insurance, retirement, credit cards and more. In addition to writing reviews, guides, and personal finance explainers for Business Insider, Alani was a Mortgage Support Specialist. You can reach her via Twitter at @AlaniAsis.
Compliance and Operations Associate
Evelyn He is a Compliance and Operations Associate on the Personal Finance team to ensure content accuracy and editorial independence so readers get up-to-date and objective financial advice.The compliance team's mission is to provide readers with fact-checked and current stories so they can make informed financial decisions. The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.
Top Offers From Our Partners
SoFi Checking and Savings Earn up to 4.60% APY on savings balances and up to a $300 bonus with qualifying direct deposit. FDIC Insured. There is no minimum direct deposit amount required to qualify for the 4.60% APY for savings. Members without direct deposit will earn up to 1.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 10/24/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. To earn the $300 bonus, the customer must complete a direct deposit with a minimum initial deposit of $250 in a new SoFi Checking and Savings account within 45 days of clicking to qualify (offer expires 06/30/24).
