TravelSafe Insurance is a travel insurance company owned by the Chester Perfetto Agency, which provides a wide array of travel insurance options such as health, life, and auto insurance. TravelSafe can cover longer trips than many of its competitors, but charges high rates. It's also known for its golf-specific coverage.
Pros and Cons
Travel Safe Travel Insurance Pros
- Up to 120 days' coverage available for travelers ages 79 and under (30 days for 80+)
- Up to $2,500 per person for missed connections over three hours or more
- Trip delay coverage of up to $150 per person per day kicks in after six hours or more
- Policy can be purchased by U.S. citizens living abroad
Travel Safe Travel Insurance Cons
- Medical coverage ceiling of $100,000 may be low for some travelers' needs.
- Claims reviews from customers say performance is not always the best
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- Up to 120 days' coverage available for travelers ages 79 and under (30 days for 80+)
- Up to $2,500 per person for missed connections over three hours or more
- Trip delay coverage of up to $150 per person per day kicks in after six hours or more
- Policy can be purchased by U.S. citizens living abroad
- Medical coverage ceiling of $100,000 may be low for some travelers' needs.
- Claims reviews from customers say performance is not always the best
- A well-rounded insurance plan for travelers who are concerned about missing connections for cruise-related travel
- Classic and Basic travel insurance plans
- GolfSafe travel insurance plans provide coverage for you and your equipment
- Travel medical insurance through partner Trawick International
Compare TravelSafe Travel Insurance
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- Zero Complaint Guarantee
- Streamlined comparison platform
- Variety of partnered travel insurance companies
- Customer service team is difficult to reach
SquareMouth is an online marketplace that helps you choose a travel insurance policy from 32 companies that shares a comprehensive, streamlined overview page for each insurance provider.
SquareMouth Travel Insurance
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- Policy coverage includes most pre-existing health conditions
- Generous medical and evacuation amounts for peace of mind
- COVID coverage included by default on all insurance plans
- Offers a wide range of plans for various budgets and travel needs
- Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
- Limited add-on coverage options
- Baggage loss and delay coverage is low compared to competitors
Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.
Tin Leg- Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.
- Options to cover sports equipment
- Option to increase medical coverage
- Can cancel up to 48 hours before travel when CFAR option is purchased
- Affordable coverage for budget-conscious travelers
- Includes generous baggage delay, loss and trip delay coverage
- Optional "adventure sports" bundle available for riskier activities
- Pricier than some competitors with lower coverage ceilings
- Some competitors offer higher medical emergency coverage
Travelex travel insurance is one of the largest travel insurance providers in the U.S. providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.
Travelex Travel Insurance- Optional CFAR insurance available with the Ultimate plan
- Travel delay insurance starting at $500 with the Advantage plan
- Emergency medical and dental coverage starting at $15,000
TravelSafe Travel Insurance Overview
Among the companies included in our guide on the best CFAR travel insurance, TravelSafe offers thick insulation against the unpredictability of travel. The trips that TravelSafe can insure are on the higher end of the industry, covering trips lasting up to 150 days and costing up to $100,000. TravelSafe's Classic plan also offers coverage for people who are up to 100 years old.
One standout feature of TravelSafe is that all of its plans offer primary coverage, so you can file immediately with TravelSafe instead of going through your health insurance provider first, even with TravelSafe's Basic plan. Many travel insurance companies only provide primary coverage with their higher-tiered plans.
That said, TravelSafe's Basic plan costs more than many travel insurance companies' most expensive plans. This brings up the issue of cost. While its plans are technically within the bounds of the average cost of travel insurance, TravelSafe certainly stretches those limits, and it's certainly more expensive than many of the best travel insurance companies.
Ultimately, TravelSafe is best for travelers taking an expensive trip who can afford expensive insurance.
Coverage Options from TravelSafe
TravelSafe has two main policies for those seeking travel insurance: travel insurance for stateside and international travelers and travel insurance for those who are planning golf trips. For each policy type, travelers can choose between classic and basic coverage. And golfers can choose between GolfSafe Secure and GolfSafe Secure Plus.
Here's how the three TravelSafe travel insurance plans stack up in terms of what's included and coverage limits:
| Basic | Classic | Classic (Plus) | |
| Trip cancellation | Trip cost, up to $10K | Trip cost, up to $100K | Trip cost, up to $40K |
| Trip interruption | Trip cost | Up to 150% of trip cost | Up to 150% of trip cost |
| Optional CFAR | Not available | Not available | Up to 75% of your trip cost |
| Missed connection | Up to $500 | Up to $2,500 | Up to $2,500 |
| Travel delay | $500 (6+ hours) | $750 (6+ hours) | $750 (6+ hours) |
| Pre-existing condition coverage | Coverage available when purchased within 21 days of initial trip deposit | Coverage available when purchased within 21 days of initial trip deposit | Coverage available when purchased within 21 days of initial trip deposit |
| Medical coverage | Up to $35K | Up to $100K | Up to $100K |
| Emergency medical evacuation/repatriation | Up to $100K | Up to $1M | Up to $1M |
| Security and natural disaster evacuation | N/A | $25K | $25K |
| 24-hour accidental death & dismemberment | N/A | $25K | $25K |
| Optional air flight only death & dismemberment | Available | Available | Available |
| Baggage & personal effects | Up to $500 | Up to $2,500 | Up to $2,500 |
| Baggage delay | Up to $100 | Up to $250 | Up to $250 |
| Optional rental sports equipment damage | Available | Available | Available |
| Optional rental car damage | Available (not for MA residents) | Available (not for MA residents) | Available (not for MA residents) |
| 24-hour worldwide assistance services | Included | Included | Included |
TravelSafe also offers specific golf insurance plans, which is something incredibly unique among travel insurance companies. If you're an avid golfer, purchasing golfing insurance will cover things like lost holes, something regular travel insurance won't. TravelSafe's golf insurance plan benefits are as follows:
| GolfSafe Secure | GolfSafe Secure Plus | |
| Trip cancellation | Up to 100% of trip cost | Up to 100% of trip cost |
| Airline reissue or cancellation fees coverage | Up to $100 | Up to $100 |
| Coverage of fee to reinstate frequent traveler awards | Up to $500 | Up to $500 |
| CFAR | N/A | 75% of trip cost |
| Trip interruption | Up to 150% of trip cost | Up to 50% of trip cost |
| Itinerary change for prepaid excursions | Up to $250 | $Up to 250 |
| Trip delay | Up to $750 ($150 per day) | Up to $750 ($150 per day) |
| Missed connection | Up to $2,500 | Up to $2,500 |
| Golf obligation | Up to $250 | Up to $250 |
| Lost golf rounds | Up to $500 | Up to $500 |
| Accidental death & dismemberment principal sum | Up to $25K | Up to $25K |
| Optional accidental death & dismemberment for common carrier (air only) | Amount shown on your confirmation | Amount shown on your confirmation |
| Emergency accident and sickness medical expense | Up to $100K | Up to $100K |
| Dental expenses | Up to $750 | Up to $750 |
| Emergency evacuation | Up to $500,000 | Up to $500,000 |
| Hospital companion | Up to $5,000 | Up to $5,000 |
| Repatriation of remains | Up to $500,000 | Up to $500,000 |
| Baggage/personal effects | Up to $2,500 ($250/ article, $600 combined article limit) | Up to $2,500 ($250/ article, $600 combined article limit) |
| Baggage delay | Up to $250 | Up to $250 |
| Sports equipment rental | Up to $500 | Up to $500 |
| Property damage | Up to $2,500 | Up to $2,500 |
Additional coverage options from TravelSafe
TravelSafe offers several optional coverages for its travelers:
Rental car damage and theft coverage: Available for both Basic and Classic plans, this add-on covers up to $35,000 per covered vehicle.
Business and sports equipment rental: Also available for both TravelSafe plans, your rental equipment is covered for up to $1,000.
CFAR coverage: Only available for Classic+, you'll receive 75% of your nonrefundable trip costs. You must purchase your policy within 21 days of your initial trip deposit.
TravelSafe Travel Insurance 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 TravelSafe 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 TravelSafe coverage costs.
A 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following travel insurance quotes:
- Basic: $112
- Classic: $147
- Classic (Plus): $274
Premiums for TravelSafe plans are between 3.7% and 9.1% of the trip's cost, within and above the average cost of travel insurance.
TravelSafe provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:
- Basic: $153
- Classic: $202
- Classic (Plus): $377
Once again, premiums for TravelSafe plans are between 3.8% and 6.3% of the trip's cost, within 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:
- Basic: $512
- Classic: $676
- Classic (Plus): $1,616
TravelSafe plans cost between 2.6% and 8.1% of the trip's cost, below and within the average cost of travel insurance.
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:
- Basic: $472
- Classic: $582
- Classic (Plus): $952
Premiums for TravelSafe plans are between 7.8% and 15.9%, which is well the average cost for travel insurance. While older travelers should expect higher premiums, these prices are on the higher end of what you should be paying.
Purchasing and Managing a TravelSafe Policy
Purchasing a TravelSafe policy is fairly simple. You'll first need to obtain a quote through TravelSafe's website. Be prepared to provide the following details:
- State of residence
- Destination(s)
- Departure/return dates
- Date of initial deposit
- Total trip cost
- Number of travelers
- Birthday of traveler(s)
Once you obtain a quote and pick your plan, you'll enter some additional information about yourself, such as your address and contact information.
Note: All TravelSafe policies come with a 14-day look period in which you can cancel the policy and receive a full refund.
How to File a Claim with TravelSafe
If you experience a loss while insured by TravelSafe, you need to act quickly. You have 20 days after the loss to notify TravelSafe, at which point an agent will send you forms for filing proof of loss. If TravelSafe don't send a form within 15 days, you can send your own written statement about what happened along with proof. This must be completed within 90 days of the loss.
You have several options if you need to file a claim for TravelSafe.
If you need emergency help, you can call their toll-free numbers below.
- Toll-free (US-only): 1-877-539-6729
- Direct: 1-727-475-2808
If you're international, call the following toll-free number: 1-866-509-7713.
Note: If TravelSafe doesn't pay out within 30 days of receiving proof of loss, your payout starts to accrue interest at 9% APY.
TravelSafe Customer Service and Support
Almost all reviews for TravelSafe are concentrated on its SquareMouth page, where it has an average rating of 4.3 stars out five across over 1,500 reviews. Though an overall positive score, it's worth mentioning that most of the positive reviews come from people who didn't have to file a claim. Some of these reviews mentioned having to alter their insurance plan, which was an overall positive experience.
However, many of the reviews that mention the claims process are negative. Customers mentioned long wait times, uncommunicative claims representatives, and little guidance during the claims process. Additionally, while many travel insurance companies regularly engage with reviews, both positive and negative, TravelSafe rarely replies to customer reviews.
TravelSafe Travel Insurance Alternatives
Learn more about how TravelSafe travel insurance compares against top insurers.
TravelSafe Travel Insurance vs Faye Travel Insurance
Faye Travel Insurance is a completely digital travel insurance company. Unlike TravelSafe, Faye completely covers all cruise travel. Faye Faye Travel Insurance doesn't cover golf trips as TravelSafe does. They have similar amounts of coverage, but Faye is about $20 cheaper for its comparable international plans.
Faye covers your trip, your health, and your belongings just like TravelSafe does. But with Faye, you can add different things that meet your needs, like car rental, extreme sports, and pet care.
Read our Faye travel insurance review here.
TravelSafe Travel Insurance vs World Nomads Travel Insurance
TravelSafe is an excellent option if you're traveling and participating in regular activities, like trying different foods and basic activities, like taking a train to places. But if you want to do extreme sports, it might not be the right coverage for you. Instead, consider getting a travel insurance plan like World Nomads Travel Insurance. World Nomads covers over 100 different extreme sports, and you can specifically add on different sports that you want to try. It's a better coverage insurance plan for someone who's a little bit more adventurous.
That said, if you're only planning on doing a specific activity, like golfing, TravelSafe has a plan for you. They cover golfing trips specifically with more coverage than World Nomads.
Read our World Nomads travel insurance review here.
TravelSafe vs Credit Card Travel Insurance
Some credit cards, especially travel rewards cards, come with travel benefits such as primary rental car insurance for your vehicle if you decide to rent one. However, travel insurance is generally more comprehensive than credit card coverage. For example, TravelSafe offers benefits like death and dismemberment coverage; credit cards don't typically cover this benefit.
However, you can use both your credit card benefits and your travel insurance to get the fullest coverage possible.
Read our guide to the best credit cards with travel insurance here.
Why You Should Trust Us: How We Reviewed TravelSafe
For this review, we made sure to include the most updated information and pulled real-time quotes from TravelSafe's website. We compared two different companies that had similar coverage to TravelSafe to ensure the best review possible. We only included reputable plans. And we looked at factors like what's covered, policy limits, and coverage options.
Read more about how Business Insider rates insurance products here.
TravelSafe Travel Insurance FAQs
Yes, TravelSafe is known for providing reliable coverage for international travel, including medical emergencies and trip interruptions.
TravelSafe typically allows the purchase of travel insurance up until the day before departure, making it suitable for last-minute travel plans.
TravelSafe offers policies that include coverage for trip cancellations due to COVID-19, but it's important to review the specific terms and conditions of each plan.
Claims with TravelSafe are generally handled efficiently, with a straightforward process for filing and tracking claims, and timely reimbursements according to customer feedback.
Yes, TravelSafe offers the option to add adventure sports coverage to their policies, catering to travelers who engage in higher-risk activities.
