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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 Crum & Forster’scoverage options, costs, and how the company compares to its competitors.
C&F Travel Insured
Get quotes
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.
C&F Travel Insurance Review: Types of Policies Offered
Crum & Forster offers four coverage options: Worldwide Trip Protector Plus, Worldwide Trip Protector, Worldwide Trip Protector Edge, and Worldwide Trip Protector Lite.
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 Insured Travel Medical Protector Plan
The Medical Protector Plan is Crum & Forster’s least comprehensive plan, only offering medical insurance. So, if you’re looking for trip cancellation coverage, consider purchasing one of the company’s WorldWide options instead.
Below, you’ll find coverage types and limits offered by C&F Travel Insured’s Medical Protector Plan.
- Up to $5,000 in trip cancellation coverage
- Up to $50,000 in accident and sickness coverage which you can upgrade to a maximum of $1 million in coverage
- Up to $1 million in emergency medical evacuations, repatriation, and return of remains
- Up to $150,000 in non-medical emergency evacuation coverage
- Up to $1,000 in coverage for lost, stolen, or damaged personal items
- Up to $300 in coverage after 12 hours for baggage delay
- A total of $1,000 or $200 daily limit for travel delays
- Up to $50,000 in coverage for accident, death, and dismemberment on a flight
- Waiver of pre-existing medical conditions included
C&F Travel Insured
Get quotes
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.
Additional coverage options from C&F Travel Insured International
If you need more coverage, you may fancy Crum & Forster’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.
- 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 Insurance FAQs
Yes, C&F Travel Insured International is a legitimate travel insurance company. Founded in 1994, Crum & Forster (C&F) owns the insurance agency. C&F is a 200-year-old risk management company with an “A” (excellent) rating from AM’s Best, an insurance credit rating industry, in 2021.
C&F allows travelers to buy insurance up to 3 years before the departure date. You can buy your coverage later as well.
C&F Travel Insurance Cost
We ran various ages, travel destinations, and trip dates through Crum & Forster’squoting tool to generate several sample rates.
Scenario 1: 30-year-old/Australia/2023
If you’re a 30-year-old Florida resident traveling to Australia for a week in January 2023, an $8,000 trip will run you about $297 to $417 in travel insurance.
The average cost of travel insurance sits at 4% to 8% of your total trip cost. So the average cost of travel insurance for an $8,000 trip would be $320 to $640. In this case, C&F Travel Insured is cheaper than the average price of travel insurance.
Scenario 2: 40-year-old/Mexico/2022
In this scenario, we used the profile of a 40-year-old California resident scheduled to travel by plane to Mexico for a week in December 2022. We’ve plugged in a trip cost of $6,000, and the company’s travel insurance coverage estimated a cost of $267 to $373.
The average travel insurance cost for a $6,000 trip is about $240 to $480. Therefore, C&F Travel Insured’s prices are below the industry average.
Scenario 3: 50-year-old/France/2023
Finally, we ran the numbers for a 50-year-old New York resident traveling by plane to France. A week in May 2023 will run the traveler $10,000.
Residents of New York can only purchase the Worldwide Trip Protector Plan, which costs $492. The average insurance cost for a $10,000 trip ranges from $400 to $800. So, a New York Resident can purchase a plan with this company at a slightly cheaper rate than the industry average.
C&F Travel Insured
Get quotes
compare policies and rates with SquareMouth Travel Insurance
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.
How to File a Claim with C&F Travel Insured International
Filing a claim with Crum & Forster is simple. 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.
Compare C&F Travel Insurance
Learn more about how C&F Travel Insurance compares to popular travel insurance plans.
C&F Travel Insured International vs AIG Travel Guard
The most similar plan from AIG 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’s Worldwide Trip Protector plan.
- 100% in trip cancellation coverage
- 150% trip interruption coverage
- Up to $1,000 in travel delay coverage after 6 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 Insured’s Worldwide Trip Protector offers more travel insurance coverage than AIG Travel Guard. AIG’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.
AIG Travel Insurance Review
C&F Travel Insurance vs iTravelInsured
iTravelInsured’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 planthan C&F Travel Insured Worldwide Trip Protector.
iTravelInsured Travel LX and C&F Travel Insure’s 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.
iTravelInsured Insurance Review
C&F Travel Insurance vs Credit Card Travel Insurance
Buying insurance through a travel insurance company like Crum & Forster 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.
Best Credit Cards with Travel Insurance
Why You Should Trust Us: How We Reviewed C&F Travel Insurance
We looked at Crum & Forster’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 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 also read more about our ratings methods for insurance providers.
C&F Travel Insured
Get quotes
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.
Alani Asis
Personal Finance Reviews Fellow
Evelyn He
Compliance Associate
Evelyn He is a compliance associate at Insider who supports the Personal Finance Insider team. Personal Finance Insider is Insider’s personal finance section that incorporates affiliate and commerce partnerships into the news, insights, and advice about money that Insider readers already know and love.
The compliance team’s mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.
Before joining Insider, she served in various legal and compliance roles in different industries, including the legal and pharmaceutical industries.
Evelyn obtained her M.S. degree in Marketing at Boston University in 2022. Prior to combining and consolidating her knowledge of law and business, she spent one year finishing 1L courses at Suffolk University Law School to further her legal knowledge. She has also completed MBA business law courses while working on her Bachelor of Business Administration in Management at the University of Massachusetts, Amherst.
Outside of work, she enjoys spending time with her 14-year-old Shih Tzu named Money, and her 5-year-old Bichon named Tibber.
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