Hello,

My partner and I are going on a 3-4 month sabbatical trip to a handful of different countries. Does anyone have any recommendations on travel insurance that covers both emergencies and if something goes wrong at a hotel and we need to switch to another or if a flight is significantly delayed?

In the past, we always used Allianz for travel, but two of the trips in the last two years had major trip delays and issues with safety at a hotel and when I submitted claims I thought were covered, they denied them completely saying we weren’t covered. One was a flight delay of 22 hours and having to rebook, missing prepaid activities and lost baggage and another was a hotel safety incident walking into a room to find blood stained sheets and walls and leaving and going to another hotel. They refused to provide any assistance for the delay, baggage, incidentals, and the hotel change fee and lost cost of the other room. It was very frustrating as how I read the top level policies we had, those events were covered.

I am very disappointed with those services and how Allianz treated us when I sent copious records and receipts and emails on each incident.

Does anyone have any recommendations for other companies that would provide better peace of mind?

Thank you.