starrtravelinsurance.comReviews of starrtravelinsurance.com

Please stay away from Starr Insurance. All the reviews I am coming across show they are shady. I got insurance through ACI (I didn't really know them, just something cheap to cover a flight booking). I had a need to file a trip interruption and returned on a different flight after medical treatment. The entire claim process was confusing but I eventually got through the documents requested 2 years later, (I couldn't understand their website-quite old school and cluttered), so everything was through their guidance by email. They said Starr was reviewing it. I had never heard of Starr until recently, and this was 2 years later. I got some cheesy interview asking irrelevant questions about lodging and other unrelated things that I never asked for. It was clear afterwards, according to them that they sent an update on 09/10/26; that they did not want to pay this claim, but rather tried to twist facts in order to not pay. They claimed a return ticket was purchased, when I never mentioned this or asked for any coverage on that. I specifically said the return trip was rerouted through a partner airline, since Delta is an AirFrance partner, but I was able to use the original return ticket for the new flight. Basically dates were changed, and the original receipt preserved. They mentioned lodging and all types of irrelevant details that they were not asked to pay etc. I am seeing that they are not a straightforward company at all. This is my first time dealing with them. Please stay away from such a shady company.

Terrible travel insurance with unfair claim handling – I’ve had two valid claims unreasonably rejected. The insurer repeatedly twists policy wording to avoid paying out for legitimate travel losses, even when I took every step to cut my financial losses and only claimed a modest sum. For my first claim: My Abu Dhabi to Socotra flight was permanently cancelled by the airline, which forced me to cancel my entire pre-booked trip. I actively took all possible measures to minimise my unrecoverable costs, only submitting a modest claim covering leftover non-refundable fees of just USD 139.28 plus HKD 286. Despite keeping my claim amount minimal, the company still rejected my application outright. Their reasoning was that permanent flight cancellation was not explicitly named as a covered event under Sections 9 and 10. No insurance policy can list every single unforeseen travel disruption. A full airline flight cancellation is exactly the unexpected risk travel insurance exists to cover, and the policy never clearly excludes this scenario. It felt like the insurer arbitrarily made up rules to turn down my reasonable, low-value claim. My second unresolved claim further exposed their poor claim logic: My suitcase wheel was accidentally damaged during my return journey. The policy’s Section 5 covers accidental luggage damage, yet staff unreasonably cited Clause 5(e) — written solely for stolen, lost or maliciously destroyed luggage — to demand an official transport damage report. I only spotted the damage after leaving airline baggage facilities, so securing this document was completely unfeasible. They ignored real practical limitations to block my claim. Across both incidents, their standard approach is rigid, literal policy interpretation to deny any unlisted travel loss. Even when claimants limit their losses and request only a small settlement, they will still find loopholes to refuse compensation. Submitting claims here wastes huge amounts of your time and energy. Avoid this insurer if you want travel cover that actually delivers on its promises.

This company hides behind a non-existent fake “company” called Heymondo. If you have ever bought travel insurance from Heymondo, the only time you will see this name is on your policy! Heymondo (and Starr Insurance companies although it’s not mentioned anywhere on the website) just make up a travel insurance policy “quickly” on their website without telling or asking the users anything and unsuspecting users like me buy the insurance and those that are unfortunate enough having to see a doctor on a travel (again, me and many others who have had to see a doctor and / or file a claim) will experience the horrendous aspect of these companies. Others will never know about it and they keep pocketing the premiums! So, as in my other review on the non-existent Heymondo, I bought a travel insurance policy which was apparently underwritten by Starr insurance companies. They never say which company is doing what, just so they can point to each other. When I had to see a doctor the only number I can see is an offshore company called Assist Card who basically do nothing (and not answerable to anyone!) except to deflect your need to see a doctor even for a simple thing, and then the claim for it. Even the so called “doctors” they provide (only in one instance) are appalling to say the least. Although I had a terrible experience (for a 10 dollar claim, having to waste 2 months! Giving sensitive information in 20 different places), I will focus this review on the most recent travel experience where I am not even allowed to see a doctor after a fall when unable to walk with a possible broken bone. The “Assist Card” who apparently say they belong to Starr Insurance kept harassing me the entire day until 1 am, saying the policy sold on the website is invalid! And said it was “sold by heymondo” and “underwritten by Starr” So basically they’re saying their company sold me an invalid policy! All phone numbers and emails only correspond to “Assist Card”, who should be named as “Harass Card” and you can nowhere contact Starr insurance and no one knows who “Heymondo” is! So I still can’t walk, the only thing I got with the so called “invalid policy” (the heymondo app and website say it is still valid and active) is some medical chat with some “doctors” on the app (no video, just chat). I was advised to go to an emergency room or at the least be seen physically and have my feet x-rayed but Assist card (apparently a part of Starr Insurance) is adamant to not do anything and say they sold me an invalid policy. There are tons of reps to tell you they won’t do anything but they have no idea who can be contacted for selling the invalid policy! They say contact USA number and every number goes back to them upon pressing the appropriate option!!! The only option where someone picks up the phone is the option where they sell the policy and they don’t do anything of course is this part is not their job! The entire scammy business of travel insurance needs to be regulated and no one is willing to do that and people will need to keep buying policies from these companies and they will be OK as long as they don’t have to see a doctor or file a claim!

This company basically covers catastrophic situations and has exclusions for typical travel events buried in the fine print. For example, a weather event and a missed connection must continue for 48 hours with the airport being impacted before you can cancel the trip. Cancel for any reason must be done 2 days before departure. If your flight is delayed, resulting in missed connections, and the airline can't get you on other flights because they're sold out, and you miss your cruise departure and upcoming ports so you have to cancel the cruise, you are SOL. This company will not pay. DO NOT buy insurance with them. They underwrite for several carriers, so be alert. Don't waste your money! Scam!

It was a complete nightmare….I waited over 6 months for my clean claim to even be reviewed. Filed Nov 10- Paid July 14 Calling the point of contact was a ludicrous litany of excuses from the “floods in NCarolina” to “45-90 business days after being told 45 calendar days” to “the auditor is out sick” “the mgr. Is on vacation”. Filed a complaint w-State Board of Ins and appealed denial of partial benefits. I also appealed to their parent company Trawick Int’l and Surego Administrators multiple times w/no action on their part.