Are Cultural Insurance Services International Legit?

Are Cultural Insurance Services International Legit?

Cultural Insurance Services International (CISI) is a company that provides travel insurance plans for academic and cultural exchange participants worldwide.

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If you’re planning to travel abroad for study or cultural exchange, you might have heard of CISI, a company that specializes in travel insurance for international travelers. But are they trustworthy and worth your money? In this article, we give you an honest and unbiased review of CISI and their services/PHOTO: Instagram

But are they reliable and trustworthy?

This article will explore the various aspects of CISI and their services.

By the end of this article, you will have a better understanding of CISI and its legitimacy as a travel insurance provider.

What is CISI and what does it offer?

CISI is a leading provider of comprehensive insurance for travel groups, study abroad students, international scholars and cultural exchange participants worldwide.

They have been in business since 1992 and have insured over 1 million international travellers to more than 100 countries.

They offer customized insurance plans to suit the needs and budgets of different groups and individuals, as well as dedicated support and services to ensure the health and safety of their clients.

Some of their insurance plans include:

  1. Worldwide Travel Insurance Plans: These are health plans and services for study abroad and international students, starting from only $34 per month. They cover medical expenses, emergency evacuation, repatriation, accidental death and dismemberment, and more.
  2. Personal Property & Liability Coverage: This is an optional coverage that protects the personal belongings and legal liability of insured travellers, such as laptops, cameras, phones, and passports.
  3. Upgraded Comprehensive Coverage: This is additional coverage that enhances the benefits of the Worldwide Travel Insurance Plans, such as trip cancellation, trip interruption, baggage loss or delay, and travel assistance.

How financially stable and reputable are their insurance carriers?

CISI works with financially stable insurance carriers that are all rated A or better by A.M. Best, a global credit rating agency for the insurance industry.

This means that their insurance carriers have a strong ability to meet their ongoing insurance obligations and claims.

Some of their insurance carriers include:

  • ACE American Insurance Company: This is a subsidiary of Chubb, the world’s largest publicly traded property and casualty insurer, with operations in 54 countries and territories. ACE American Insurance Company has an A.M. Best rating of A++ (Superior).
  • AXIS Specialty Europe SE: This is a subsidiary of AXIS Capital Holdings Limited, a global provider of speciality lines insurance and treaty reinsurance, with a total capital of $25.3 billion as of December 31, 2020. AXIS Specialty Europe SE has an A.M. Best rating of A+ (Superior).
  • Lloyd’s of London: This is a market of independent underwriters and brokers that collectively provide insurance and reinsurance services for a wide range of risks, with a global reach and a history dating back to 1688. Lloyd’s of London has an A.M. Best rating of A (Excellent).

What are the benefits and drawbacks of their insurance plans?

CISI’s insurance plans have several benefits and drawbacks that potential customers should consider before purchasing them.

Benefits

Some of the benefits are:

  • Flexibility and customization: CISI allows customers to choose the insurance plan that best suits their needs and budgets, as well as the duration and destination of their travel. Customers can also extend their insurance coverage if they decide to stay longer or travel to other countries.
  • Comprehensive and affordable coverage: CISI’s insurance plans cover a wide range of medical and travel-related risks, such as illness, injury, evacuation, repatriation, cancellation, interruption, loss, and delay. Their plans are also competitively priced, starting from only $34 per month for worldwide travel insurance.
  • Dedicated support and services: CISI provides 24/7 access to their multilingual team of travel and medical experts, who can assist customers with any issues or emergencies they may encounter during their travel. They also offer online tools and resources, such as claim forms, policy documents, travel alerts, and health and safety tips.

Drawbacks

Some of the drawbacks are:

  • Exclusions and limitations: CISI’s insurance plans have certain exclusions and limitations that customers should be aware of before purchasing them. For example, some of their plans do not cover pre-existing medical conditions, sports injuries, mental health disorders, or pregnancy complications. Some of their plans also have deductibles, co-payments, or sub-limits that may reduce the amount of reimbursement customers can receive.
  • Customer satisfaction and complaints: CISI’s customer satisfaction and complaints ratings are mixed, according to online reviews and ratings from various sources. Some customers praise CISI for their prompt and professional service, while others complain about their slow and unresponsive claims process, their lack of communication, or their denial of valid claims.

How responsive and helpful are their customer support and claims services?

CISI claims to provide responsive and helpful customer support and claims services to their clients, but their actual performance may vary depending on the situation and the expectations of the customers.

Some of the factors that may affect their responsiveness and helpfulness are:

  1. The nature and urgency of the issue or emergency: CISI prioritizes the most critical and urgent cases, such as medical emergencies, evacuations, or repatriations, and tries to resolve them as quickly and efficiently as possible. However, less urgent or complex cases, such as minor medical expenses, baggage loss or delay, or trip cancellation or interruption, may take longer to process or require more documentation or verification.
  2. The availability and accessibility of the customer support and claims team: CISI provides 24/7 access to their customer support and claims team via phone, email, fax, or online portal. However, some customers may experience delays, difficulties, or errors in reaching them, especially during peak hours, holidays, or weekends. Some customers may also face language barriers or cultural differences when communicating with them.
  3. The satisfaction and feedback of the customers: CISI strives to provide satisfactory and helpful customer support and claims services to their clients, and welcomes their feedback and suggestions for improvement. However, some customers may have different or higher expectations or standards than CISI, and may not be satisfied or happy with their service, regardless of the outcome. Some customers may also encounter disputes or disagreements.

What are the reviews and ratings of their customers and partners?

CISI’s reviews and ratings from their customers and partners are mixed, according to online sources.

Some of their customers and partners are satisfied and happy with their service.

Others are dissatisfied and unhappy with their service.

Here are some examples of their reviews and ratings from different sources:

  • Trustpilot: CISI has a Trustpilot score of 3.3 out of 5, based on 6 reviews. 50% of the reviewers rated them as excellent, 17% as great, and 33% as bad.
  • Better Business Bureau: CISI has a BBB rating of A+, based on 2 complaints and 1 review. The complaints were about problems with the product or service, and the review was negative.
  • Google: CISI has a Google rating of 4.1 out of 5, based on 14 reviews. 79% of the reviewers rated them as 5 stars, 7% as 4 stars, 7% as 3 stars, and 7% as 1 star.

Conclusion

CISI is a legitimate travel insurance provider that offers comprehensive and affordable insurance plans for academic and cultural exchange participants worldwide.

They work with reputable and stable insurance carriers and provide dedicated support and services to their clients.

However, they also have some drawbacks and limitations.

Therefore, potential customers should carefully read and understand their policies and terms and conditions, and compare them with other options, before purchasing them.

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