Deluxe Plan

The Travel Guard Deluxe plan is our best travel insurance plan with the most coverages, global travel assistance and access to 24/7 travel assistance services.

Preferred Plan

Travel easy with our comprehensive travel insurance, the Travel Guard Preferred Plan. With new and expanded coverage, this plan is the perfect travel companion.

Essential Plan

The Travel Guard Essential plan is our budget-friendly travel insurance plan. This plan is perfect for business travel and domestic travel with basic coverage amounts.

Pack N’ Go Plan

Ideal for spur-of-the-moment, last-minute travelers who don’t need trip cancellation coverage. Includes our post-departure coverages and our exclusive 24-hour emergency travel services.

Annual Travel Plan

Whether traveling for business or leisure, the Travel Guard Annual Plan may be just what you need to cover your travel investments. Get essential coverage for multiple trips throughout the year. Not available for residents of KS, MT and NY.

We’ve created a checklist to help ensure you have everything you need to get your travel insurance quote or to purchase your plan.

Here’s what you’ll need:

Your destination
If you’ll be visiting more than one destination, please select the destination you will spend the most time at or your first destination. This is important because there are certain U.S. sanctioned countries where insurance benefits may not be paid.

Travel dates
This should be the date you leave your house and the date you return home. For example, if you are staying at a hotel the night before your flight, you’ll want to include the night in the hotel as a travel day in case you have to cancel for a covered reason.

Cost of your trip
The cost of your trip will need to be entered per traveler as shown on your invoice. For example, if a child’s portion is less expensive their trip cost should reflect that. However, if the cost is not listed per person on an invoice you can split that cost evenly amongst the travelers. Your trip costs should include all expenses you pay for before you leave home. This could include any of the following:

• Any non-refundable deposits
• Pre-paid hotel and lodging expenses
• Train and airline tickets
• Cruise line tickets
• Deposits for excursions
• Car rentals
• Other transportation expenses

Initial payment date
This is the date that you made your first purchase for your vacation. This should be the date you first paid for any non-refundable part of your trip. This could be when you first booked your flight, cruise, or any entertainment expenses for your trip.

Date of birth
The date of birth for all travelers on your policy. Some of our policies use the number of travelers and their age(s) to determine the price of your policy, so it’s important to have this information.

Things to be aware of:

Traveling Companions
It is generally simplest to separate policies by household, though in some cases separate households can be on the same policy if they are in the same state. If you are traveling with someone outside of your state, they’ll need to purchase their own policy. However, they will still count as your traveling companion for coverage purposes.

Modifications
Policies provide additional benefits when you purchase your insurance early. It may be in your best interest to purchase your travel insurance policy as soon as you make the first payment towards your trip.  You can modify your policy as additional components to your vacation are booked and paid for. If you need to add additional coverage or adjust any of the items above, you can do that easily with our online modification form.

If you have more questions about what you will need for a quote or to purchase a policy, visit our website or call our World Service Center at 888-888-1335.

Let’s start with the basics – what is travel insurance anyway? Travel insurance is a type of insurance (like car or home insurance) that provides coverage for certain costs and losses associated with traveling. Without travel insurance, if something unexpected happens like an accident or a missed flight, you could be responsible for some of those costs yourself. These unexpected expenses can be expensive, so travel insurance can help give you greater peace of mind, knowing your travel investment is covered.

It’s easy to purchase a travel insurance plan. You can purchase online or over the phone by providing some basic details about yourself and your upcoming trip. Then you’ll be offered travel insurance options, so  you can choose the plan that’s right for you.

When a covered event or loss occurs, like losing a phone or getting sick on vacation, you should file a claim under your travel insurance plan with the necessary documentation. Once that documentation is reviewed you may be reimbursed covered out-of-pocket expenses, subject to the terms and limitations of the insurance.

You’ve purchased your policy, now what? The good news with Travel Guard is that your coverage becomes effective 24 hours after purchasing your policy. But say something does happen, what do you do then? Here are some common situations and how to handle them. If you’re looking for information on travel insurance basics, check out our What Is Travel Insurance? article.

Cancelling your Trip

If you need to cancel your travel plans, but haven’t left for your trip yet, you should cancel your reservations directly with the carrier, travel agent, or tour operator and then contact Travel Guard claims. They’ll help you get the paperwork you need to file a claim. You will be able to file a claim for any of the prepaid and non-refundable costs that you already paid – like a hotel deposit or flight.

Ending Your Trip Early

Sometimes things come up, and we need to leave vacation early. Did you know, even if it’s not for a covered reason on your policy, Travel Guard can assist you with getting back home? If you need to go home early, contact Travel Guard’s World Service Center representatives, and they can help change your flights, cancel your reservations, and more – saving you time and hassle. Once you are home, you can file a claim for any covered lost or extra costs associated with getting back home.

Missing or Cancelled Flight

One of the worst feelings on vacation is seeing your flight take off without you or seeing that flight board switching to “cancelled.” As the rest of your flight mates get in line at the airport desk to rearrange their travels, you can skip the hassle and give us a call directly. We can help you rebook your flight and get you on your way.

Visiting a Doctor

Unfortunately, we aren’t immune from illness or injury while on vacation. But you don’t always have to end your trip due to an upset stomach or twisted ankle. If you’re able to continue your trip, but need to see a doctor, you can call Travel Guard for a list of doctors in your area. Make sure you get a medical report and keep any receipts, so you can file a claim when you are home.

Always remember, if you are having an emergency, seek medical attention first. Once you are able, call Travel Guard and a medically trained case manager can help monitor your care while you are in the hospital. We have doctors, nurses and EMTs on staff who will speak with the treating medical staff to get regular updates on your condition.

Filing a Claim

You can start your claim online or over the phone with one of our claims center representatives. Filing online remains the quickest solution for filing a claim as it reduces the amount of paperwork needed to complete your claim and allows you to submit your documents electronically at the same time. If you start your claim over the phone, claims forms and a list of required documents will be emailed or mailed to you. Once you submit the claim paperwork with any required supporting documents (like completed claims forms, receipts, medical reports, etc.) a claims analyst will be assigned to review your claim. Your claims analyst will review your policy carefully and approve any out-of-pocket expenses covered by your policy. You can always check the status of your claim online for updates.

You’ve decided you need travel insurance for an upcoming trip (great choice!), but now you need to know when to buy it, right? You have some options, and we’ll go over those, but the important thing to remember is that purchasing early – usually within 15 days of making your first deposit on your trip – can qualify you for additional benefits.

Those 15 days after you make your first deposit on your trip, whether it’s a down payment on a cruise or a hotel reservation, are important. On most Travel Guard travel insurance plans, that is the window to qualify for some valuable additional benefits. The specific benefits you get will vary by plan (check our compare plans page for a side-by-side), but most plans will include our pre-existing medical condition exclusion waiver if the insurance is purchased within 15 days of making your first trip deposit.

By having this waiver, it’s possible to be covered for medical issues on your trip despite a pre-existing medical condition, as defined in the policy. Generally, pre-existing medical conditions are excluded on our travel insurance policies, and only new medical conditions/injuries are covered. But the waiver can override that exclusion, so if you have a pre-existing medical condition or are traveling with someone who does, this is an important one!

While you can purchase your travel insurance at any point before leaving on your trip, there are a few added benefits to purchasing early. Don’t worry if you’ve missed the window, though. Our plans still come with great comprehensive coverage no matter when you purchase – that won’t change! Be sure to check your specific policy documents to see what benefits you’ll qualify for, and any limitations or exclusions.

How do I calculate the 15-day window?

It seems straightforward but can be confusing. Do you count the day you make your initial deposit for your trip? The answer is: Yes!

So, for example, if you make your first payment for your trip on January 1, you have until January 15 to purchase your travel insurance and qualify for the additional benefits (on most policies).

When is the best time to get travel insurance?

While you can get additional benefits at any point during the 15-day window, the best time to purchase your travel insurance is as soon as possible. For most of our plans, you actually start receiving coverage for trip cancellation the day after you purchase your travel insurance.

Say you make a deposit on an all-inclusive resort and you buy your travel insurance that same day. A week later you need to cancel because a family member is sick and requires you to take care of them. Because you booked your travel insurance early, you may be covered.

As you’re deciding when to purchase your travel insurance, make sure you consider those pre-departure benefits that could come into play should you need to cancel your trip. You’re not traveling yet, but your Travel Guard travel insurance plan could still be hard at work for you.

Can I buy travel insurance before booking my flight?

Yes! You don’t have to have every detail of your trip figured out before booking your Travel Guard travel insurance plan. We know that planning travel is a process and can take months to finalize. Because of that, you can make certain changes and modifications to your policy and still take advantage of those early purchase benefits. You’ll just want to contact our call center or make changes to your policy online as soon as you finalize your trip to make sure you’re fully covered.

Can I buy travel insurance last minute?

Depending on the type of planner you are, last minute can mean the week before your trip or while you’re on the way to the airport (we’ve been there!). But either way, the answer is yes.

Our most popular plans like our Deluxe, Preferred and Essential all go into effect for you the very next day. So, booking a week out is no issue.

If you’re leaving the same day and need travel insurance last minute, we do have a Pack N’ Go plan that’s ideal for spur of the moment trips when you need immediate coverage for unplanned trips. Pack N’ Go doesn’t include any pre-departure benefits (like trip cancellation) and has some overall lower limits compared to some of our other comprehensive plans. But for those last-minute trips, it could be just what you need!

No matter when you purchase, our Travel Guard travel insurance plans come with full comprehensive coverages, global travel assistance and access to 24/7 travel assistance services. We’re ready to travel with you at any time.

One of the best parts about your travel insurance plan is having access to 24-hour assistance services. We have specially trained representatives who are always available to help with any of your travel-related needs from making dinner reservations to coordinating an air ambulance after a medical situation.

Travel Assistance

Travel Guard can help manage the unexpected while traveling. Your flight is cancelled, luggage is lost, connections are missed – we can help you get back on track with your travels:

• Flight rebooking
• Hotel rebooking
• Rental car reservations
• Emergency return travel arrangements
• Missed connection coordination
• Lost baggage search; stolen luggage replacement assistance
• Lost passport/travel documents assistance
• ATM locator
• And much more

Medical Assistance

It only takes one travel misstep to need medical assistance. Whether you need to locate an English-speaking doctor (or need help with translation), the nearest health care facility, or need an emergency medical evacuation – our medical assistance team is specially trained to assist with all kinds of medical situations. We have doctors, nurses and EMTs who monitor your medical case to ensure you’re receiving proper medical care. Whether you had a quick visit to the ER or you’re in the hospital for several days – our team checks in on you regularly. Other medical assistance services include:

• Health care facility location
• Assistance finding an English-speaking doctor
• Translation assistance
• Prescription refill assistance
• Coordinating medically necessary return travel arrangements
• Emergency medical evacuation
• Medical monitoring
• Medical equipment rental/replacement

Concierge Assistance*

For some, planning a vacation is part of the fun. For others it’s the worst part. If you hate making reservations or planning an itinerary our concierge department can help! They’ve planned proposals, booked tee times, and made reservations at some of the hottest restaurants:

• Restaurant referrals and reservations
• Event ticketing
• Ground transportation coordination
• Golf tee time reservations and referrals
• Floral services
• Latest sports scores
• Find, wrap, and deliver one-of-a-kind gifts
• Movie and theater information
• Local activity recommendations
• And much more

^{*Not included in all plans}

^{Expenses incurred from third-party vendors for assistance services not part of a filed insurance plan are the responsibility of the traveler.}

You can travel confidently we’re here to help. Having our 24-hour assistance is like traveling with an expert.

Let’s break down how travel insurance is priced. In general, your insurance will be about 5 to7% of your total trip cost. When you consider it like that, it can be a small price to pay in order to protect your trip investment.

But what goes in to calculating the cost of your travel insurance?  A lot goes into pricing! Most Travel Guard® plans are multi-factor plans, meaning multiple factors go in to calculating the risk of a given trip, which in turn informs the premium price you could pay. Those key factors could be things like your age, trip cost, trip length, number of people on the policy, product type and optional add-ons. Let’s take a closer look at some of those factors below.

Product Type

We offer several different product options to choose from. Our Essential Plan is ideal for basic domestic trips because of its great price, but it offers the least amount of medical expense coverage. On the other hand, our Deluxe Plan can be a good fit for international travel because of its higher limits on most coverages, including medical expense coverage. For example, if an accident occurred, and you had to put in a claim for a covered medical expense, you would have a higher coverage limit available to you to claim against and could get more (or even all) of your medical expense bill covered. Because of the differences in coverages and coverage amounts, the Deluxe Plan costs more than the Essential Plan.

Visit our Compare Plans page to see the difference is benefits and coverage limits available with our popular plans. Having higher limits on coverages and more benefits included in your plan may cost you more, but it may make the most sense for your trip investment and type of trip.

Optional Add-Ons

In addition to different products, Travel Guard has optional add-on coverages that you can purchase with certain plans. Add-ons like Cancel for Any Reason, Rental Vehicle Damage Coverage, the Adventure Sports Bundle, or an increase in medical expense coverage which all increase the cost of your insurance – but they give you more coverage as well!

Number of People on a Policy

Multiple people included on a policy will mean a higher premium than a single-traveler policy. Just like trip length, the more people there are, the greater the chance of something unexpected happening.

Trip Cost

Trip cost reflects the nonrefundable expenses that may be covered by your travel insurance. The more expensive the trip, the more there is to lose, and the more expensive it is for your insurance to cover any covered losses. So a luxury, once-in-a-lifetime trip that features multiple flights, an expensive hotel and excursions will likely cost more to insure than a simple weekend getaway.

Age

Statistically speaking, travelers are at greater risk as they get older. Often times those travelers may have a pre-existing medical condition (which can be covered with our waiver if you purchase your insurance early) or be more likely to see a doctor while on their trip. Because of this, premium will increase as the age increases.

Trip Length

Everything comes back to risk with insurance, and the longer you are on your trip, the risk increases that something may happen where you’ll need your insurance (like a medical issue or lost belongings, for example). That’s why a 30-day trip is going to be more expensive to insure than a seven-day trip.

As you can see, a lot goes in to pricing your travel insurance plan for your upcoming trip. While it’s important to have your trip details accurate when purchasing your insurance, you can use estimates to get a quote either online or through our call center. That way you have an idea of what to expect and can calculate the cost of insurance into your overall travel plans.

When you consider what travel insurance can do for you in the event that something happens before or during your trip – it’s a smart idea to protect your trip investment. If you’d like more information on what travel insurance is, be sure and check out our helpful article in our Education Center.

Just another expense, right? Wrong. A travel insurance plan can cover you for unexpected costs incurred before or during your trip so that expenses can be less likely to come out of your own pocket. A vacation insurance plan from Travel Guard helps to protect your trip investment with coverages like trip cancellation and interruption, medical expense and evacuation, lost or delayed baggage and more.

As a bonus – most travel insurance plans also include 24/7 assistance services to re-book flights and hotels on your behalf and act as a personal travel assistant while you are away from home.

The cost of travel insurance is based, in most cases, on the value of the trip and the age of the traveler. Typically, the cost is five to seven percent of the trip cost. You can get a free quote for your personalized travel insurance plan or call our representatives at 888-888-1335.

Insurance can be purchased up to 24 hours prior to your trip departure date.

Let’s make this easy! Before purchasing, please have the following information handy:

• Personal information for all travelers who will be on the policy
• Trip details: dates of travel, destination, initial deposit date, final payment date, and any travel companies you will be using
• Total trip cost and how that cost is broken down per person in your itinerary.

The Cancel for Any Reason (CFAR) option is available as an upgrade on several of our comprehensive travel insurance plans and is a great option that allows travelers to cancel their trip for any reason that is not otherwise covered in their base plan, provided they cancel their trip more than 48 hours before their departure date.
There are three criteria that must be met in order to be eligible for Cancel for Any Reason coverage:
Provided the above criteria is met, and the Insured is prevented from taking the trip for any reason not otherwise covered by this plan, the insurer will reimburse the insured for a percentage of the prepaid, forfeited, non-refundable payments or deposits for insured trip arrangement(s) up to the maximum limit.

1. The CFAR coverage is purchased within 15 days of the initial trip deposit.
2. The trip is cancelled more than 48 hours prior to scheduled departure.
3. The full cost of all non-refundable, prepaid trip arrangements is insured at the time of purchase.

Be sure to read your description of coverage.

Unsure of what your travel insurance policy covers?

To learn more about which plan is best for the type of trip you are taking, call us at 888-888-1135

The Cancel for Any Reason (CFAR) option is available as an upgrade on several of our comprehensive travel insurance plans and is a great option that allows travelers to cancel their trip for any reason that is not otherwise covered in their base plan, provided they cancel their trip more than 48 hours before their departure date.

Arriving at your destination without your luggage can ruin your trip. You don’t have your clothes, your gear, or your medications. And if your passport or documents are lost, you have a real problem that is going to require assistance. Don’t let this common problem unsettle you. Travel Guard can track luggage, cover delayed or lost baggage or stolen belongings, and help to replace lost or stolen travel documents.

Even the best-planned trips don’t always go as planned. That’s why Travel Guard offers a medical evacuation insurance plan. Travel Guard MedEvac Plan provides medical coverage, air evacuation services, including medical transportation to the nearest adequate medical facility and then home if warranted. It’s emergency evacuation insurance that travels with you.

If a medical emergency strikes while you are on a trip, are you ready for it? Can you get access to a doctor? Or the right medications? Can you be evacuated out of a remote area? Who can coordinate your medical assistance? With Travel Guard, you are covered from the beginning to the end of your trip. We can even coordinate your medical transportation from wherever you are back to the United States once doctors give you the okay to travel. From pre-existing conditions to unexpected events to expensive medical evacuations, you are covered with us.

Trips get canceled. It’s not fun but it definitely happens. And when it does, that’s when trip insurance can make a world of difference. With Travel Guard, you’re prepared if you need to cancel for work or illness or weather or any other covered reason. When you’re covered, you can begin to relax. Plus, filing a claim is very user-friendly. That’s a pretty nice feeling in an unpredictable world.

If you’re worried about traveling because you have a pre-existing medical condition, you should know that on many Travel Guard policies purchasing your travel insurance the same day you make your first trip deposit (or shortly after) may qualify you for the pre-existing medical condition exclusion waiver. With the waiver it’s possible to be covered for some medical issues on your trip, despite your pre-existing condition.