Liberty Travel Insurance Review 2025: Is It Worth Your Money?
Liberty Travel Insurance Overview
Under the brand TourCare Plus, Liberty Travel provides a range of travel insurance policies, including single-trip and annual choices. They are supported by the significant worldwide insurer Liberty Mutual Insurance Group. With a limited amount of reviews (3 as of February 2024), customer reviews on sites like ValueChampion average TourCare Plus a rating of 5.0/5.0. Liberty Travel also collaboratively provides travel insurance on other packages with Allianz Global Assistance.
coverage options and plan tiers
Standard and Supreme plans of Liberty Travel's TourCare Plus Both policies cover medical emergencies (including pre-existing conditions up to designated limitations), medical evacuation, trip cancellation, lost bags, and other typical travel misfortunes. Under the Supreme plan, coverage restrictions are higher. Whereas Supreme policies cover $300,000, $500,000, and $10,000 correspondingly, Standard plans to offer up to $150,000 for Personal Accidents, $250,000 for Overseas Medical Expenses, and $5,000 for Trip cancellations. Though specifics regarding COVID-19 coverage are discussed, the document does not provide any. Additionally, TourCare Plus covers terrorism occurrences.
costs and fees
ValueChampion offers specific pricing samples, showing a standard plan for a one-week vacation to Thailand that costs $28 per adult and a supreme plan for the same trip that costs $35. The Lunar New Year 2025 campaign offers a 25% discount for single-trip and annual plans. Liberty Travel also has consultancy costs for travel planning services separate from the insurance. These fees are $200 for other locations and $100 per payor for each trip to Mexico and the Caribbean. A yearly consultation retainer comes at $300. Service costs also apply for rail and flight reservations.
customer reviews and complaints
Yelp reviews for a Liberty Travel location in Orange, California, reveal a low rating of 2.6/5.0, with several complaints about lousy customer service, problems with booked lodging, and issues with chosen transportation providers. Trustpilot evaluations of Liberty Mutual Insurance itself (1.1 out of 5 stars) reveal a lot of issues with claims handling, particularly about auto and home insurance. ConsumerAffairs investigations also show comparable bad experiences with Liberty Travel, with multiple people complaining about poor customer service and the inactivity of agents. Favourable evaluations of Liberty Travel sometimes highlight particular agents by name, implying that the individual consultant may affect service quality.
alternatives and competitors
Rivals in the travel agency market include TravelPulse and Planet Travels & Tours. TravelPulse concentrates on news and resources from the travel business, while Planet Travels & Tours provides various travel services. ValueChampion names other travel insurance companies in Singapore: Singtel Travel Protect, Income Travel Insurance, Etiqa Tiq Travel Insurance, and FWD Travel Insurance. TravelInsurance.com notes the growing demand for travel insurance as average trip prices in 2025 rise by 7%.
claims process
Liberty Travel insurance (TourCare Plus) claims are filed by mail on a form together with the original supporting paperwork. There is a 24-hour helpline for crises abroad. Several FAQs refer to submitting claims within 30 days of returning to Singapore. Some FAQs cover misplaced items, pre-existing ailments, and necessary paperwork. Separate claims procedures are detailed for additional Liberty insurance products, including home, vehicle, and health insurance.
other liberty products and services
Liberty Mutual provides many insurance products, including auto, home, life, and health insurance. It also offers niche items such as pet insurance, identity theft protection, and wedding insurance. Specific health insurance policies have $0 premiums and extra perks, including dental, vision, and fitness programs. Furthermore, additional corporate solutions and business trip insurance are included.
website and app features
Policy administration, bill payment, claims filing, and access to ID cards—among other features—are offered via Liberty Mutual's website and app. Based on driving behaviour recorded through mobile apps, the RightTrack and IntelligDrive programs from Liberty Mutual and Travellers provide possible discounts. On the Liberty Mutual website, there also is a policy Customiser Tool to assist consumers in comprehending and modifying their policy. The website of Liberty Travel offers vacation packages, discounts, and information on all kinds of travel—including all-inclusive, family, and last-minute excursions.
| Product/Service | Provider | Type | Coverage/Benefits | Cost/Fees | Customer Service & Reviews | Key Features |
|---|---|---|---|---|---|---|
| Liberty Travel Booking Services | Liberty Travel (Flight Centre Travel Group) | Travel Agency Services | Honeymoons, family vacations, cruises, tours, etc. Expert advice, exclusive offers, after-hours support. | Consulting fees: $100-$200 per booking or $300 annual retainer. Service fees for airfare, rail. | Mixed online reviews. Some praise agent helpfulness, others cite poor communication and issues. | Go app, in-person/remote consultations. No price-match guarantee. |
| Liberty Travel Insurance - TourCare Plus | Liberty Insurance Singapore (Liberty Mutual Insurance Group) | Travel Insurance | Medical coverage, trip cancellation/interruption, baggage loss/delay, personal liability, terrorism coverage. Pre-existing conditions covered with limitations. | Example: Standard Plan $28, Supreme Plan $35 (Thailand, 1 week). Varies by destination and duration. | Limited reviews available, generally positive regarding value and ease of purchase. | Standard and Supreme plan tiers. Single trip and annual plan options. Exclusions apply. |
| Allianz Global Assistance Travel Insurance | Allianz Global Assistance (Partnered with Liberty Travel) | Travel Insurance | Trip cancellation/interruption, medical emergencies, lost/delayed baggage, 24/7 assistance. Specific coverage details vary by plan. | Varies depending on plan, trip cost, destination, and age. Check quotes for specifics. | Generally positive reviews, known for good customer service and claims processing, but can be expensive. | Online claim filing, mobile app. |
| Liberty Mutual Auto Insurance | Liberty Mutual | Auto Insurance | Standard auto coverages, gap insurance, accident forgiveness, Mexico car insurance via MexPro. | Average liability: $166/month, full coverage: $255/month. Rates vary. | Mixed customer reviews on various platforms. J.D. Power scores vary by region. Above average claims satisfaction. | RightTrack safe driving program, numerous discounts. |
| Liberty Mutual Home Insurance | Liberty Mutual | Home Insurance | Standard home coverages, blanket jewelry, water backup, inflation protection. | Varies based on location, coverage, and home value. Obtain a quote for specific pricing. | Below average in J.D. Power’s 2024 U.S. Home Insurance Study. | Wide range of discounts. |
| Liberty Mutual Life Insurance | Liberty Mutual | Life Insurance | Term and whole life insurance. Riders available. | Varies based on age, health, coverage amount, and policy type. Get a quote for details. | Not rated by J.D. Power. | Guaranteed insurability option. |
