Intermundial travel insurance reviews: Advantages & disadvantages

Are you preparing for your next trip and looking for an insurer to back you up in case of unexpected events? Taking the time to choose a good policy is essential if you want to go on holiday with peace of mind. Not all companies respond the same way to problems or offer the same services. While there are many options on the market, some are more popular among travellers than others. Today, we want to talk about one of the most notable ones: Intermundial travel insurance. We’ll cover customer reviews, coverages, and everything you need to know before choosing it over others. Are you ready to see what they include?

What is Intermundial and what travel insurance do they offer?

Intermundial is a company specialized in travel insurance that has been providing protection to travellers worldwide for over two decades. Founded in Spain, it has become a popular option for those seeking peace of mind during holidays, business trips, extended adventures, or general travel. Its experience in the industry and focus on the specific needs of travellers have made it one of the best in this field.

Intermundial offers a variety of travel insurance plans that adapt to different types of travel, from short getaways to experiences requiring more coverage. Let’s look at the different travel policies they offer and their main features:

• Totaltravel Insurance: Designed for frequent travellers, it includes coverage for medical expenses, baggage loss, cancellations, and liability.
• Totaltravel Mini Insurance: A more affordable version for those seeking basic protection during short or domestic trips.
• Totaltravel Annual Multitrip Insurance: A digital nomad travel insurance or for those who travel several times a year, with annual coverage ranging from medical assistance to repatriations.
• Cancellation Insurance: Specifically focused on covering expenses in case you can’t make your trip for unforeseen reasons.
• Go | Schengen: Designed for those who need a Schengen visa. You must have travel insurance that provides at least up to €30,000 ($32,600 US) in medical coverage within the Schengen Area.

Intermundial also stands out for offering customizable insurance plans and the option to add additional coverage based on the traveler’s needs, such as protection for tech equipment or extreme sports. Its flexible approach makes it an attractive option for various types of users.

What do their travel insurance policies cover?

Do you think one of these might suit your needs? Before you take the step to purchase from this company, it’s important to have a clear understanding of what they offer. While it depends on which policy you choose, their plans are popular due to the breadth of coverage included. Depending on your choice, you’ll have access to a combination of services designed to guarantee peace of mind during your trip. Here are some of the most common coverages in Intermundial’s policies:

• International medical assistance: Covers medical expenses, hospitalization, surgery, and necessary medications during your trip.
• Repatriation and medical transfer: Includes transport to your home country in case of serious illness or accident.
• Cancellation expenses: Reimbursement for non-refundable costs if you have to cancel your trip for justified reasons, such as illness or family issues.
• Loss or theft of luggage: Financial compensation in case of loss, theft, or damage to your suitcase or personal belongings.
• Transport delays: Coverage for prolonged delays in flights, trains, or buses, including expenses for accommodation or meals.
• Liability coverage: Protection against damages you might cause to third parties during your stay abroad.
• Adventure activity coverage: Ideal for athletes, includes expenses from accidents during sports like skiing, climbing, or diving.
• Legal assistance and bail advance: In case of legal problems during your trip.
• Tech equipment protection: Optional coverage for loss or damage to laptops, cameras, or mobile phones.

What travel insurance doesn’t cover

As you can see, Intermundial’s travel insurance provides fairly comprehensive coverage. However, it’s important to note that some situations and services are not typically included in their policies. These exclusions may vary depending on the plan chosen, but in general, you should consider the following limitations:

• Undeclared pre-existing conditions: If you have a medical condition before the trip and didn’t inform the insurer, treatments related to it might not be covered.
• Accidents during extreme sports: While some plans include adventure activities, others like paragliding, extreme skiing, or deep diving might require additional coverage.
• Aesthetic or non-essential treatments: Plastic surgery, cosmetic dental procedures, or any medical care that is not strictly necessary is excluded.
• Expenses related to illegal or expired documents: Like having an invalid visa or expired passport at the time of travel.
• Luggage loss due to negligence: If the loss or damage to luggage is due to personal carelessness, coverage may not apply.
• Complications of pregnancy in late stages: From the third trimester onward, some pregnancy-related complications might not be covered.
• Psychiatric or psychological treatments: Unless specifically included in the contracted policy.
• Emergencies in high-risk areas: Traveling to countries in conflict or with specific restrictions might leave you without coverage in case of incidents.

How’s customer service?

That’s what Intermundial’s policies cover and don’t cover. But how do they respond to users’ incidents? This is one of the key points to consider when choosing one company over another. If you face a mishap, you’ll want to have made the right choice.

In the case of Intermundial, customer service is one of the most valued aspects. It’s designed to offer fast and effective support in case of any unexpected events during your trip. They provide several channels for users to resolve doubts, manage claims, or receive emergency assistance:

• 24/7 customer service phone line: Ideal for urgent situations like medical emergencies or flight issues. It’s available in several languages and is particularly valued for its fast response times.
• Email: Recommended for administrative queries or requests that don’t require immediate attention, like policy modifications or coverage clarifications. Response times usually range from 24 to 48 hours.
• Website portal: From their official site, you can manage your insurance autonomously. They offer a client area where you can review your contracted coverages, download documents, and request reimbursements.
• Online chat: Available on their website, it’s perfect for quick inquiries without needing to make a call.
• Mobile app: A handy tool that allows you to manage claims, access documents, and locate nearby medical assistance while abroad.

Users praise the professionalism and friendliness of Intermundial’s customer service team as well as the clarity of their explanations. However, some reviews mention that resolution times can be longer for complex cases, such as disputes over reimbursements or larger claims. In general, their customer service meets the expectations of travelers who are looking for reliable support anywhere in the world.

Intermundial website and platform reviews

Another key point to consider is the digital experience offered by the companies. In an era where online management is essential, Intermundial’s website is a well-structured and functional tool for purchasing and managing travel insurance. Its intuitive design allows easy navigation between different insurance options, with clear menus that organize information by policy type and specific needs.

One of the most valued aspects is their insurance simulator, which in just a few steps lets you see the estimated price of available policies. You only need to input basic details like destination, dates, and number of travelers. Additionally, the process of purchasing is quick and fully digital, with payment options including credit and debit cards, ensuring secure transactions.

Transparency is another strong point of the website. Each policy is explained in detail, breaking down the coverages and exclusions clearly to avoid confusion. It also features a FAQ section that answers many common concerns.

In terms of service management, the client area allows you to access policy documents, make changes, or start claims autonomously. However, while the desktop experience is excellent, the mobile app has room for improvement, such as load speeds and stability in certain functions.

What about the mobile app? Although functional, Intermundial’s app could improve in certain technical aspects, such as load speed and stability. However, it remains a useful tool for managing emergencies from anywhere. Don’t forget to sign up for the Holafly monthly plans to access your Intermundial account once you’re abroad!

Important: If you are a frequent traveler and want to stay connected without worrying about expensive roaming or looking for a new SIM at every destination, Holafly’s subscription plans are for you. With a single eSIM, enjoy internet in more than 160 countries for a fixed price and no surprises on your bill. Travel without limits and connect easily and securely! 🚀🌍

Advantages and disadvantages of Intermundial travel insurance

Not all travel insurance policies are the same, and it’s important to analyze both the strengths and areas for improvement of an insurer before making a decision. As you’ve likely deduced from the previous sections, Intermundial offers coverage designed for all types of travelers, but also has areas that could be improved. Let’s take a closer look at this company:

Advantages and disadvantages of Intermundial travel insurance: User reviews

User experiences with Intermundial and customer reviews

As we mentioned earlier, when you purchase travel insurance, what truly matters is how the company responds in the situations where you need it the most. The experiences of other travellers are invaluable in understanding whether a company delivers on its promises. In the case of Intermundial, users highlight positive aspects such as the clarity of coverage and the speed of handling simpler processes. However, there are also reviews about areas that could be improved, particularly in more complex situations. Let’s take a deeper look at what those who have trusted this insurer have to say:

Customer service and medical expenses abroad with Intermundial travel insurance: Reviews

When travelling, medical assistance can be one of the most critical aspects, and users’ opinions on this coverage with Intermundial are varied.

• Positive aspects: Users highlight the wide international medical coverage, which includes hospitalizations and emergencies in destinations around the world. Many emphasize the speed at which medical authorizations are processed and the peace of mind of having assistance in several languages.
• Negative aspects: Some travellers mention delays in confirming certain treatments and issues with coverage for medical expenses related to undeclared pre-existing conditions. There are also comments about a lack of clarity in the procedures for reimbursement of initial medical expenses paid by the insured.

In general, Intermundial’s medical coverage meets expectations in most cases but could improve in handling more complex situations.

Protection of luggage and tools abroad with Intermundial travel insurance: Reviews

Luggage loss or damage is one of the most dreaded setbacks for travellers. Users’ experiences reflect both strengths and areas for improvement in this coverage.

• Positive aspects: Users positively rate the financial compensation offered in case of loss or prolonged delay of luggage. The option to include coverage for tech tools such as cameras or laptops is also highlighted, which is especially useful for digital nomads.
• Negative aspects: On the other hand, some users mention that the claims process can be cumbersome, especially when many documents are required to justify the loss. Additionally, certain minor damages to luggage are not covered, which causes dissatisfaction among some travelers.

Intermundial’s luggage protection is suitable for most cases, although simplifying the claims process would be a great improvement.

Trip cancellation and refunds

Trip cancellation can be a stressful situation. Here, the opinions on how Intermundial handles these situations are also varied.

• Positive aspects: Many users appreciate the cancellation coverage for justified causes, such as illness or family issues. The clarity in the terms and conditions helps users understand which situations are covered, and the reimbursement process is described as efficient in most cases.
• Negative aspects: Some travellers mention issues with the approval of refunds in more complex cases, like cancellations due to circumstances beyond the insured’s control but not explicitly covered in the policy. Delays in resolving some requests are also reported.

Although the service is efficient overall, more flexibility in cancellation coverage and faster response times would be welcomed by clients.

Activities and civil liability with Intermundial travel insurance: Reviews

Engaging in activities during a trip, whether they are sports or everyday activities, can involve risks. This is where Intermundial’s civil liability coverage comes into play.

• Positive aspects: Users highlight that civil liability coverage provides peace of mind against damages caused to third parties. Additionally, plans that include adventure activities are particularly useful for those seeking thrills during their travels.
• Negative aspects: However, some clients have expressed frustration with the limitations of coverage for high-risk sports, such as climbing or paragliding, which usually require additional extensions. It’s also mentioned that the process to activate this coverage can be more complex than expected in some cases.

Intermundial’s coverage for activities and civil liability is solid overall, but expanding the standard options for high-risk sports would be a significant improvement to cater to more travelers’ profiles.

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