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FlexiPAX : Reviews, Ratings, and Feedback

FlexiPAX

Trip Plan, A.M. Best Rating: A+ (Superior)
Underwriter: US Fire

FlexiPAX Insurance is a comprehensive travel protection plan from Travel Insured International, underwritten by United States Fire Insurance Company. It is designed primarily for U.S. residents traveling within the United States or internationally, rather than as traditional visitor insurance for non-U.S. residents visiting America. FlexiPAX combines travel medical insurance with broader trip protection, including coverage for covered trip cancellations and interruptions, emergency accident and sickness medical expenses, medical evacuation, trip delays, and baggage losses.

For travelers comparing FlexiPAX travel insurance with other travel medical insurance options, the plan can be relevant when both medical protection and coverage for prepaid trip expenses are important. Standard benefits include up to $100,000 for accident and sickness medical expenses and up to $500,000 for medical evacuation, with optional upgrades available in some circumstances. Coverage, eligibility, exclusions, and state availability vary, so travelers should review the applicable policy documents before purchasing.

No optional add-on benefits on this plan.

Plan Highlights

  • Trip Cancellation
  • Trip Interruption
  • Emergency Medical
  • Pre-Existing Conditions (Pre-Ex)
  • Medical Evacuation
  • Trip Delay
  • Baggage Delay
  • Missed Connection
  • Baggage Loss
  • Optional Cancel and Interrupt for Any Reason Bundle
  • Optional Cancel for Work Reasons
  • Optional Rental Car Damage & Theft Coverage
  • Optional Trip Delay Increase
  • Optional Medical Upgrade
Key Metrics

Key Metrics

  • Administrator: Travel Insured International
  • Underwriter: US Fire
Reviews and Ratings

Reviews & Ratings

  • A.M. Best Rating: A+ (Superior)
  • Licensed and Regulated by the United States Department of Insurance
What's Good

What's Good

  • Available for U.S residents up 99 years of age
  • Covers trips up to 6 months domestically or internationally
  • Up to 10 people allowed on one policy
  • Non-Insurance Travel Assistance Services
What's Not So Good

What's Not So Good

  • Not available for non-U.S residents
  • Optional Cancel and Interrupt for Any Reason Bundle must be purchased within 21 days of initial trip deposit date
  • Not available for residents of: MO, MT, NY, PA, and WA
  • Not Available for the following Destination Countries: Belarus (BLR) & Russia (RUS)
  • Not Available for Purchase from the Following U.S. States/Territories: New York (NY), Pennsylvania (PA), Virgin Islands (VI), Virginia (VA), Washington (WA), Puerto Rico (PR), Montana (MT), Missouri (MO), Kansas (KS), Marshall Islands (MH), Guam (GU) & American Samoa (AS) Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.

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Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

Luna
VisitorsCoverage Support