Cat 70 Travel Insurance Review (2023)

Cat 70 is unlike other top rated travel insurance providers as it only offers one plan. A single travel insurance policy is aimed at a specific market: people who travel abroad and want a comprehensive plan with multiple types of coverage focused primarily on medical expenses. The insurance is available through travel insurance comparison site Squaremouth and sister brand Tin Leg.

Cat 70 users have only one policy option which provides comprehensive one-trip travel health insurance, trip cancellation cover, interruption and baggage related issues and emergency medical evacuation. It also provides comprehensive travel insurance for Covid-19.

Cat 70 has relatively high limits for primary medical coverage and emergency evacuation, at $500,000 each. Cancellation and termination coverage is at par with other mid-range plans at 100% and 150% of payout.

Advantages and disadvantages

Check out the pros and cons of Cat 70’s travel plan.

The Cat 70 policy fits in with other affordable comprehensive travel insurance plans in a crowded marketplace. Here is a list of coverage and limits for the plan.

• 100% of trip cancellation costs
• 150% of trip interruption costs
• $500,000 primary medical emergency coverage
• $500,000 medical evacuation coverage
• $10,000 for accidental death and bodily injury
• $500 travel delay fee ($150 daily limit)
• $250 baggage delay after 24 hours
• $500 Loss of luggage or personal belongings
• $500 missed connection coverage

The amounts are for each insured person listed on the policy.

Optional drivers

An insurance rider is an official change to an existing insurance policy. It may add requirements, increase or decrease the amount of coverage, and change other details. For example, some policies may allow you to add rental car insurance or coverage for a specific activity, such as skiing.

Here are the types of add-ons offered for the Cat 70 policy.

Cat 70 does not have a premium insurance policy so they are the only option for drivers to add coverage.

Offered policies

Here is an example of the coverage provided by the Cat 70 travel plan. These benefits are for two travelers 45 years of age traveling from Illinois to Jamaica September 1-10, 2023 for a $3,000 round trip.

The cost of travel insurance options varies based on several variables. These include destination, age of insured travelers, length of trip, coverage limits, total trip cost, activities and other factors. Insurers collect this information to determine the risk level of the trip and assign a price to the policy.

The cost of international travel insurance

Here are three price examples for Cat 70 insurance coverage.

• The first example is for two 40-year-old travelers traveling to the UK from August 1 to 10, 2023 on a $3,000 travel plan.
• The second example is for two 55-year-old travelers traveling to Barbados from August 1 to 10, 2023 on a $2,500 travel plan.
• The third example is for a 35-year-old traveler traveling to Australia from August 1 to 21, 2023 for a $4,000 trip.

Cat 70 offers 24/7 travel assistance for passengers already on their journey. While overseas, policyholders and other insured travelers listed in the policy can contact assistance by phone at +1-786-838-0757. The helpline in the US is 866-477-6741.

The operators provide assistance on the comprehensive coverage in the policies. According to Cat 70, services include emergency money transfers, evacuation and return arrangements, medical referrals, emergency messages and translations. The hotline offers pre-trip assistance.

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Squaremouth has 97 reviews of the Cat 70 (as of June 2023), giving it a 4.06 out of 5 rating on the site. Here are four reviews from verified Squaremouth customers about their experience using the Cat 70.

“This insurance policy is much better than the insurance companies I have compared. The price was very reasonable. Customer service was very knowledgeable. I would use them again for any trip abroad and would highly recommend them to anyone. – Leader from NE

“SquareMouth Made it easy to choose a provider. Cat 70 provided what we wanted [and] The price was right. Their cover inclusions were clear; Their expectations from their customers were clear. Whenever we travel abroad we get travel insurance, but this time having a covid policy was essential. a bit Peace of mind It goes a long way. Thank you.” – M from NJ

“I missed my overseas flight due to plane maintenance issues, delayed 24 [hours] And he had to retake the covid test due to Australian requirements. I felt that the insurance should cover that $275 test even though that specific issue was not listed in the policy. Because of covid and the airlines, not because of anything I did. I called before making a claim and was told it would not be covered. The rep was great and checked with his supervisor to make sure. – Sally from TN

“So I basically bought a covid cover – or thought for a Christmas trip. [Mexico]. Unfortunately, the day before I came home I tested positive and was sick in bed for three days and stayed for another 7 days to test negative before returning to the USA.[…] I met him after talking to an agent […] Two issues. One is that my covid cover did not cover the costs associated with the extra time spent at the destination. 2nd Edition My coverage was completed on the day I was scheduled to come home. The agent was nice but basically said [there] They couldn’t do anything to me.[…] I am disappointed that my hotel expenses were not covered – I really thought I had such coverage.[…]” – Christopher from NY

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Cat 70 handles the claims process through Star Insurance Company. You can submit claims and download documents for manual completion through the online platform (https://www.starrassist.com/Claims). You can also submit claim forms by email ([email protected]) or by fax (610-293-9299). Claims support is available by phone at 800-567-3512.

Finally, you can mail documents to:

Management concepts
PO Box 4000
Collegeville, PA 19426

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Cat 70 has a 3.88-star rating on our scale. With high limits for primary emergency medical and evacuation coverage, if you’re concerned about the impact of the Covid-19 pandemic or other serious health concerns related to your destination, it’s our choice for the best travel insurance plan.

Cancellation and termination coverage is competitive with standard plans from other insurers. However, the lack of multi-trip coverage, car rental insurance, and lower baggage and gear protection limits means the Cat 70 isn’t worth it for travelers looking for more than the basics.

Our team surveyed dozens of travel insurance providers and created a rating system to rate each company’s quality and service. We’ve reached out to sample quotes over the phone and over the Internet to simulate an authentic customer experience. Here are the reasons for our supplier reviews

• Plan availability (20%): We looked for insurers with a variety of plans and the ability to customize the policy with modifications.
• Coverage (40%): Benefits covered include medical expenses, medical and non-medical discharge, covid-19 coverage, pre-existing condition exclusions, “cancellation for any reason” coverage, trip interruption, travel delay requirements, baggage delay requirements, baggage return and financial deficiency travel provider. . Special attention is paid to companies that offer special add-ons such as premium sports coverage, commercial property coverage, and pet coverage.
• Customer service and support (30%): We looked for indicators that a company is well prepared to respond to customer needs. Companies with an established global data network, a 24/7 emergency hotline, robust mobile apps and perks like assistant and translation services scored high.
• Reputation (10%): We measure reputation by reviewing consumer reviews, third-party financial strength and customer experience ratings, specifically AM Best and the Better Business Bureau.

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Josh Lew is a travel journalist and writer based in the Midwestern United States who has covered airlines, international destinations and ecotourism for the past decade for sites such as TravelPulse and TreeHugger. He currently contributes World words.