QuoteWright.com

What QuoteWright.com is

QuoteWright.com is a licensed insurance agency and comparison site, not an insurer. It carries no risk on any policy it lists. Its legal page says the site "is owned and operated by BC Group, LLC," described as "a licensed insurance agency that is located in East Hartford, Connecticut," and the about page adds that QuoteWright.com is licensed "with the State of Connecticut Insurance Department." The homepage calls the business "America's Travel Insurance Store" and describes its purpose as letting a traveler "Research, compare and buy the top travel insurance plans all in one place." The footer calls it "The travel insurance division of BC Group LLC."

The about page traces the company to two named people. John W. Cook, named as President and CEO, began his career with CNA Insurance, joined The Travelers Insurance Company's Travel Insurance Division in 1971, was later named co-founder and Executive Vice President of Travel Insured International, and helped create BC Group in 2001. Justin Cook, named as Director of IT, began at the Travelers' Life Insurance department in 1990, joined Travel Insured International in November 1994, where he managed product inventory and coordinated emergency evacuations for its claims department, and co-founded BC Group in 2001. The about page says the principals "represent over 90 years of experience in the insurance industry," while the homepage speaks of "our combined 80+ years of travel insurance experience." The homepage lists the companies it offers as including International Medical Group, Travel Insured International and USI Affinity/Travel Insurance Services, Inc.

Carriers and underwriters named in the buyer's guide

QuoteWright's buyer's guide profiles travel insurance programs rather than selling one product, and each program page names its underwriter. The Travel Insured International page names "United States Fire Insurance Company rated A Excellent by AM Best," lists coverage from trip cancellation and interruption to "emergency assistance and medical evacuation, default and bankruptcy, accident and sickness medical expense," accidental death and dismemberment, missed connection and baggage, and names the Worldwide Trip Protector as a plan offered. It says the firm was established in 1994 when "3 employees of The Travelers Insurance Company purchased the travel insurance division," and that in 2015 Crum & Foster Holdings bought it.

The RoamRight page names "ARCH Insurance Company rated A+ Superior by AM Best" and explains the split between brand and carrier: "RoamRight is trademark owned by Arch Capital Group which owns the underwriting insurance company, ARCH Insurance Company, that actually provides the insurance policies sold." It adds that Arch was the primary underwriter of Travel Insured International's products until 2012. The Travelex page names "Berkshire Hathaway Specialty Insurance Company, NAIC#22276," and describes plans covering "trip cancellation/interruption, emergency medical & medical evacuation/repatriation, baggage delay and trip delay," with "24/7 travel assistance & concierge services." The TravelSafe page names United States Fire Insurance Company as underwriter, says the agency behind it has "marketed travel insurance since 1971," and states that "claims are administered by Co-Ordinated Benefit Plans."

The program pages give no premium or dollar benefit limit. The RoamRight, Travelex and TravelSafe pages each read "No plans are available based on your quote information," so plan figures appear only after a visitor enters trip dates, a destination and traveler ages in the quote tool.

Coverage topics the guide explains

The buyer's guide is organized by coverage topic, each with a short definition: Trip Cancellation, Trip Interruption, Pre-existing Medical Conditions, Waiver of Pre-existing Conditions, Travel Medical Coverage, Emergency Medical Evacuation, Cancel for Any Reason, terrorism, a weather coverage chart, Missed Connection, Travel Delay, Baggage and Personal Effects, Baggage Delay, Flight Accidental Death, Accidental Death, Rental Car Collision, Travel Supplier Default or Bankruptcy, limitations for certain travel suppliers, and the free look. Emergency medical evacuation is described as "Coverage for transportation costs incurred when dealing with medical conditions that require extraordinary means to transport you to a hospital and then home." The pre-existing entry says "Pre-existing conditions are the #1 reason claims get denied," and the free look entry calls it "The period of time when a traveler can request a policy to be cancelled." These are general definitions, not the terms of a particular plan.

How buying and pricing work

Buying through QuoteWright means running a quote. The legal page says "The travel insurance premiums on our website come directly from the insurance carriers," that they are "regulated by the Departments of Insurance in each state," and that the company "does not add any fees to the carrier's rates and fees." The homepage states, "We guarantee that you will not find any of the plans we offer at a lower price than what we quote." On pay, the legal page says the company is paid commissions by the insurers on the site, that "Commissions are a percentage of the premium that you pay and are built into the cost of the insurance policy," that they "vary by company and by plan," and that it receives no contingency commissions based on loss experience. It promises "we will not steer you to plans that offer us higher or better commissions."

The same page sets out who the buyer contracts with: within a quote or plan, "we" and "us" refer "to the insurance company that underwrites the plan or coverage and does not refer to BC Group, LLC. or to QuoteWright.com," and benefits "are not underwritten or reinsured by BC." After purchase, a confirmation is emailed automatically, and the page states that "your travel coverage is contingent on your entire premium being fully paid by the effective date of your coverage." Connecticut law governs the site's legal terms. A buyer therefore holds a policy from whichever carrier was quoted, with BC Group acting as the licensed agency of record.

Who it suits

QuoteWright suits a US traveler who wants to compare several named carriers through one agency and does not mind entering trip details before seeing a price. Because each program page names its underwriter and AM Best rating, and the RoamRight page spells out the difference between a plan brand and the company that issues the policy, it also suits a buyer who wants to know which insurer stands behind a plan before buying. Deductibles, medical maximums, age rules and pre-existing terms for a given plan appear in the quote rather than on the guide pages. It is not a source for evacuation or assistance memberships: every program named here is sold as travel insurance through a licensed agency.