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31st December 2015, 06:56 PM
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Join Date: May 2012
Re: Berkley travel insurance

Berkley proudly designs and administers customized travel insurance programs for many of the most distinguished cruise lines, tour operators and online travel agencies.

About the Berkley travel insurance


Most of their plans are custom designed for the specific travel.

They use the same underwriting company there are similarities in benefit wording and exclusions.

Many of the plans that they offer are combination plans that have two components;

1. Pre-departure "waiver" plan that is usually not underwritten by a licensed insurance carrier but rather by the tour operator.

In some cases it's advertised as "cancel for any reason" however, instead of a cash payment for your loss they offer a travel voucher that is only good for a specific period of time and which can only be used with the tour operator; and

2. Post departure coverage is the second portion provided by The Berkely Group and underwritten by a licensed insurance company

It includes all of the typical post-departure coverage such as trip interruption, emergency evacuation, travel medical, baggage, etc.

Most consumer advocates recommend against buying coverage that is offered directly to you from a tour operator, cruise line, or airline.

Custom made plans offered by travel providers usually have more restrictions and because they are mass marketed they tend to generate more consumer complaints.

Also, most custom made plans offered by travel providers are "community rated" instead of age rated.

That means that much older travelers might find them lower priced

It was founded in 1976, it has evolved into a number of separate operating entities that currently comprise The Berkely Group, including Berkely Agency and BerkelyCare.


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