TravelSafe offers a wide variety of options, from golf-related policies to annual plans. Its single trip coverage can cover longer trips than many of its competitors with some nice built-in benefits like preexisting condition waivers and primary coverage, but charges high rates.

Business Insider compared TravelSafe to the best travel insurance companies and found it to have limited uses, held back by its high premiums. However, its policies may be of interest to golfers and people taking longer trips.

TravelSafe Travel Insurance Pros and Cons

TravelSafe Travel Insurance Pros

• Policy can be purchased by U.S. citizens living abroad
• All plans offer primary coverage
• All plans offer preexisting condition coverage
• Covers longer trips, up to 150 days
• Golfer-specific plans available

TravelSafe Travel Insurance Cons

• Medical coverage ceiling of $100,000 may be low for some travelers’ needs.
• Higher premiums than average
• CFAR only available with most expensive plan
• Claims reviews from customers say performance is not always the best

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TravelSafe Travel Insurance Overview

TravelSafe offers thick insulation against the unpredictability of travel, offering three single trip plans. 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 for domestic travel instead of going through your health insurance provider first. Many travel insurance companies only provide primary coverage with their higher-tiered plans. TravelSafe also offers preexisting condition waivers on all its policies, even its basic plan.

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.

Its premiums mean that the plan isn’t going to be worth the cost for many travelers. Its exceptions are for golfers who are traveling, as TravelSafe offers golf-specific policies. Additionally, its annual plans are available at a flat rate, regardless of age.

TravelSafe Travel Insurance Plans and Coverages

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:

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:

TravelSafe Annual Plans

TravelSafe has three annual plans: Standard, Enhanced, and Superior. All plans cover an unlimited number of trips as long as they’re 30 days long or shorter. The plans increase in coverage with each tier. Here are the following benefits:

Additional coverage options from TravelSafe Travel Insurance

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: $121
• Classic: $159
• Classic (Plus): $297

Premiums for TravelSafe plans are between 4% and 9.9% 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: $165
• Classic: $219
• Classic (Plus): $407

Once again, premiums for TravelSafe plans are between 4.1% and 10.2% 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: $550
• Classic: $726
• Classic (Plus): $1,719

TravelSafe plans cost between 2.8% and 8.6% 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: $502
• Classic: $620
• Classic (Plus): $1,014

Premiums for TravelSafe plans are between 8.4% and 16.9t%, 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. 

TravelSafe Annual Plan Cost

TravelSafe’s annual plans cost a flat rate, regardless of your age. They are as follows:

• AnnualSafe Standard: $175
• AnnualSafe Enhanced: $450
• AnnualSafe Superior: $829

Purchasing and Managing a TravelSafe Travel Insurance 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 Travel Insurance

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 its 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 Travel Insurance Customer Reviews and Ratings

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.

Let’s look at third-party ratings for a more balanced perspective on TravelSafe.

The National Association of Insurance Commissioners’ complaint index rates insurance companies based on how many complaints they receive against its share of the market. A 1.00 means that a company has an expected number of complaints based on its size. A lower score indicates fewer complaints than expected and a higher number indicates more complaints than expected.

TravelSafe policies are underwritten by United States Fire Insurance Company, which scored 0.27, indicating that it has far fewer complaints than expected.

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.

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.

Why You Should Trust Us: How We Reviewed TravelSafe

To evaluate TravelSafe travel insurance, Business Insider reviewed the following factors.

Coverage amounts: We consider the policies available, what they cover, and how much coverage they offer. We like to see a variety of options available, with a great deal of flexibility to cover as many needs and customers as possible.

Inclusions/Exclusions: We consider common inclusions and exclusions, and how much customers have to pay for certain benefits. For example,

TravelSafe offers preexisting condition waivers with all its plans. However, it only offers CFAR with its most expensive tier.

Cost: We obtain quotes for a variety of travelers, including single travelers, families, couples, and older travelers. We see how the quotes compare to the standard costs of travel insurance, which is between 4% and 8% of your total trip cost. We also pay attention to any savings opportunities travelers can take advantage of, like discounts for children.

Customer service: We consider how a company treats its customers by looking at online customer reviews on sites like Trustpilot, SquareMouth, and the Better Business Bureau. We also look at ratings from third-party organizations like the NAIC and AM Best. We look at any customer service features a company offers, like 24/7 helplines.

Unique features: We look to see if a company has any unique features or benefits.

Read more about Business Insider’s travel insurance ratings methodology.

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