Globalfine travel insurance reviews: Advantages & disadvantages

Although it’s not the most exciting part of planning a getaway, taking the time to find a way to protect yourself against potential incidents is essential. The thing is, with so many options on the market, it can be tricky. To help you choose, today we want to talk about an insurer that is gaining popularity at a fast pace. In this review, we will tell you everything you need to know about Globalfine travel insurance, reviews, coverage, and policies. We will also review their website and customer service. Join us and find out if it’s what you need for your world adventures.

What is Globalfine and what travel insurance do they offer?

Had you heard of this insurer before? While it’s not as popular as others, its name is becoming more well-known among travelers. It started as an independent project within “Globalfine Invest Correduría de Seguros” and specializes in personalized travel insurance. Although it is Spanish, its insurance is available to residents worldwide. One of its standout promises is that it doesn’t require upfront payments and doesn’t apply deductibles in any of its policies.

When you check their portfolio, you’ll find four options, all with scalable coverage. Depending on the trip you are planning, you can choose between:

• Classic: A basic option that includes medical assistance up to €30,000, extended stay, and repatriation. You can get it from €7.74 (around $8.40 USD) per day.
• Select: Improves the coverage of the Classic. Offers medical assistance up to €150,000, urgent dental coverage, and compensation for lost or delayed luggage. Available from €9.62 (around $10.40 USD) per day.
• Assistance: For those traveling with pets or seeking extra protection in specific situations. Covers medical assistance up to €1,000,000, expenses for delays and loss of services. It also offers civil liability up to €60,000. Its price is €22.96 (around $24.80 USD).
• VIP: The most comprehensive option. Includes all the previous coverages with higher limits and priority attention. You can get it from €27.71 (around $30 USD) per day.

What do their travel insurance policies cover?

As you can see, it adapts to different types of travelers. Do you think any of their policies fit you? But, wait. Before deciding whether to choose it over other options, it’s important to know what will be covered if you do. Although the specific coverage depends on the plan you choose, all of them share a common foundation to protect you during difficult moments of your trip. Here’s what you can expect from their travel insurance policies:

• International medical assistance: Medical coverage in case of illness or accident abroad. It varies depending on the policy, ranging from €30,000 ($32,500 USD) to €1,000,000 ($1,084,000 USD).
• Emergency dental expenses: Covers between €75 ($81 USD) and €200 ($217 USD), depending on the plan. It depends on the plan.
• Extension of stay due to medical reasons: If something happens during your trip and you need to extend your stay, this insurer will cover additional nights for medical reasons. Between €500 ($542 USD) and €2,000 ($2,170 USD).
• Repatriation and early return: All plans include medical repatriation and early return due to a family emergency or death.
• Pet transportation: Special coverage for those traveling with pets. Reimbursement for expenses up to €750 ($813 USD). Only in the VIP plan.
• Theft, damage, or loss of luggage: Compensation for incidents with your luggage. Depending on the policy, they cover between €500 ($542 USD) and €1,500 ($1,627 USD).
• Compensation for delays and service loss: Coverage for transportation delays, lost flights, or “in itinere” incidents. Compensation ranges from €50 ($54 USD) to €300 ($325 USD).
• Civil liability: If you cause damage to third parties, you could be covered up to €60,000 ($65,040 USD).
• Death or disability due to an accident: Compensation in case of a serious accident during the trip. The highest limit reaches €60,000 ($65,040 USD).

What travel insurance doesn’t cover

These policies seem quite complete, right? However, it’s important to understand what is not covered. Knowing this will allow you to react quickly if you encounter any issues at your destination. You’ll also be able to assess whether this is the insurer you need or if you should opt for another option. Here are some things that are not covered in their insurance:

• Pre-existing conditions: Not covered unless you purchase a specific extension.
• Cancellations due to personal decision or change of plans: Only justified causes mentioned in the conditions are covered. You can check our article on best trip cancellation insurance for more complete options in this regard.
• Cancellation of an ongoing trip: If you decide to cancel once you’re at your destination, the compensation will be limited or not apply.
• Risky sports without additional coverage: Activities like scuba diving, off-piste skiing, or skydiving are not covered unless you purchase the sports coverage supplement.
• Loss or theft of luggage without prior security measures: If you didn’t take precautions (like using locks or safes), your claim could be denied.
• Medical assistance without prior contact with the insurer: You must call the assistance service first. If you don’t, they won’t reimburse the expenses.
• Expired or lost documentation: The policy does not cover the loss of passports, visas, or other personal documents.
• Cosmetic or non-urgent treatments: No medical care is included unless it’s an emergency.
• Accidents under the influence of alcohol or drugs: Any incident that occurs while intoxicated will not be covered.

How is Globalfine’s customer service?

Let’s now review the customer service of this company. This is an important aspect to consider. If any issues arise while you’re away from home, you’ll want to have chosen a reliable company that’s easy to contact. In this regard, Globalfine lists several contact options on its website. You can reach out to them 365 days a year through: 

• 24/7 Assistance phone line: Available at all times for emergencies, medical inquiries, or any incidents.
• WhatsApp and Web chat: A quick and direct way to resolve queries without the need for calls.
• Email: For less urgent requests, you can email their team. The response time is usually between 24 and 48 hours.
• Mobile app: Through the app, you can contact support, make free medical calls, or manage claims.
• Express ticket: Available on their website, allows you to submit queries directly without creating an account.

What do customers think about their customer service? Since it’s a relatively new company, we’ve found few reviews about it. In general, the reviews are a bit divided. Some rate their support as slow, while others are happy with the service and the speed of their responses.

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SeguroParaViaje.com website and platform review

For many users, having the insurer offer a good digital experience is essential. Is this your case? Then you’ll like this one. User-friendly and simple website. As soon as you enter, you’ll find detailed information about each policy. 

You can see the starting price for each one and also several of the coverages included. There’s also general information about how the company operates and the names of well-known insurance partners (such as AXA or Allianz) that collaborate with Globalfine. 

The best part? There’s a price simulator so each traveler can calculate the cost of purchasing the policies. When you do so, a comparison table appears showing the prices and, again, the coverage offered under each plan.

From that same screen, you can complete the purchase directly or save the quote for later. On the downside, it seems they only accept debit or credit cards for payment. PayPal and other methods do not appear as options.

As for their mobile app, at first glance it looks quite complete. In the customer area, you can check the insured’s details, manage claims, and resolve questions. You can also make free calls to customer service. Following the links on the website takes you to the Travelfine app, which has a rating of 3/5✭ on the App Store and 2.1/5✭ on Google Play. Most reviews mention issues with the free call feature through the app.

Advantages and disadvantages of Globalfine travel insurance

As you can see, this insurer seems to have some strong points as well as areas that could be improved. To give you a clearer idea of both, we’ve prepared a table summarizing them. It will help you decide whether it suits your needs or if you should take out your travel insurance with another company. 

Globalfine travel insurance – reviews on advantages and disadvantages

User experiences and customer opinions about Globalfine

We can’t conclude this review without taking a closer look at what those who have already trusted Globalfine to protect them on their trips are saying. As mentioned earlier, since it’s a relatively new company, there aren’t many reviews available, but a few can be found online. When checking websites like Trustpilot and Google Reviews, this is what comes up:

Medical care and expenses abroad

One of the most important types of coverage needed when travelling is medical assistance. In Globalfine’s case, opinions are mixed. Some customers are very satisfied, while others are quite disappointed.

• Strong points: several reviews praise the quick response in serious situations. One user highlighted that during a trip to Thailand, their partner was hospitalized and the insurer handled everything — including the return flights.
• Negative aspects: other travellers complain about the opposite, noting that the customer service is unprofessional and that some operators lack basic knowledge.

I just called to inquire about the different travel insurance options, and the person who attended me didn’t even know what some concepts like telemedicine, medical transport, cash advance, or accident compensation were.— Globalfine travel insurance, review by Raquel, Trustpilot

Globalfine travel insurance, opinions on luggage protection and tools

Losing luggage or certain belongings during a trip can ruin it completely. Having insurance coverage to mitigate expenses can be very helpful. Globalfine includes some losses in its coverage. But what do customers say about Globalfine?

• Advantages: Some users claim the company manages lost luggage issues swiftly. They cover the costs and follow up on the issue until it’s resolved.
• Limitations: Other reviews rate the management as slow and unclear.

Globalfine travel insurance, opinions on trip cancellation and refunds

Although Globalfine promises coverage for cancellations, it seems to be an area that generates quite a few controversies when it comes to the actual claims process.

• Positive reviews: Some users acknowledge receiving full reimbursements after submitting the necessary documents. They especially highlight the app’s usefulness for managing these matters.
• Frequent criticisms: Other reviews warn of delays in the resolution process and denials without clear explanations. Some also mention that some important clauses are not well explained.

Globalfine travel insurance, opinions on activities and civil liability

Globalfine includes adventure sports and accident assistance in their policies. However, in the reviews, it seems that the user experience is not always favorable.

• Positive points: The insurance allows coverage for high-risk activities, and according to some comments, the protection in case of a sporting accident has been effective.
• Identified deficiencies: Other travelers have commented that it’s very important to read the fine print. There have been cases where the insurer did not recognize accidents related to covered activities.

Is Globalfine a good option? Well, it depends on what you’re looking for, the destination, and the trip you’re planning. Certainly, their rates are competitive and they promise a wide variety of coverage tailored to different profiles. We recommend looking at the coverage limits in each case and comparing them with other insurers. On this blog, you’ll find many reviews of both popular and emerging companies in the market.

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