• All Seasons Travel Plan

  • All Seasons Travel Plan

    To include travel insurance on your reservation, contact your lodging provider.

  • Cruisin’ to Savings

    Charles N. of Kansas City, Missouri had everything planned. He and his two traveling companions were going on an unforgettable Alaskan cruise tour complete with days of exploring the Alaskan wilderness and panoramic view of the picturesque coast.

    If it was all the excitement or something else we may never know, but as soon as Charles arrived at the airport, he suddenly passed out. Fortunately, his traveling companions got him help and to a hospital quickly. Unfortunately, his long-planned for trip was history. But what about the expensive investment he had made in his trip? The airline and cruise tickets weren’t cheap – could he recoup the cost? With a Travel Guard plan, he could. One simple call to Travel Guard got the ball rolling. Within a couple of weeks, Charles was reimbursed for his unused flight tickets, and the cost of the cruise and tour.

  • Frequently Asked Questions

    • Why should I purchase a travel insurance plan for my vacation?
      You've saved, you've waited, and now you're all set to travel. Preparing for your trip includes covering yourself for unfortunate occurrences that can interfere with even your best-laid plans. By purchasing a travel insurance plan, you can insure yourself for trip cancellation/interruption due to covered reasons, medical expense and more, as well as gain access to a wide range of traveler's assistance services.

       
    • How much does the insurance plan cost?
      The insurance plan costs 7% of your total booking cost, and can be collected at the time of the reservation. Whether you have 2 people or 20 people traveling under the reservation, the plan cost is calculated based on the total booking cost. 

       
    • Are the benefits listed per insured or per booking?
      The benefits for Trip Cancellation and Trip Interruption are the total per booking. For example if the insured purchased travel insurance coverage for a trip costing a total of $2,000, this would be the maximum reimbursement allowable under trip cancellation or interruption for that booking. All other coverages are per person. In the event that there are four people traveling under that $2,000 reservation, and two of them lose their luggage, they each can get reimbursed up to $1,000 ($200 per person per day) to purchase necessary items while we help them track down their baggage. The only other exception to the per person coverage is the Car Rental Collision Coverage which is per car coverage.

       
    • Is there help while I’m traveling?
      An added value offered in this insurance plan is the 24-Hour Emergency Assistance Services. Travel Guard is a leader in this field. With Travel Guard, you have access to the services of a highly trained, multi-lingual staff around the clock to assist you with emergencies such as: cash transfers, lost documents, baggage tracking medical or legal monitoring, physician referrals, flight rebooking, and roadside assistance. They are also equipped to respond in many unexpected circumstances. If an emergency should arise during your trip, call Travel Guard immediately and give the details of your problem or emergency.

       
    • I know that I have a pre-existing medical condition; will this plan cover me?
      Even if you have a medical condition that has been unstable in the last 60 days, you should still consider purchasing the All Seasons Travel Plan because you can receive a waiver of the Pre-Existing Condition exclusion by purchasing the insurance within 21 days of your initial deposit. As long as you are medically able to travel at time of purchase, having the Pre-Existing Condition exclusion waiver is the easiest way to help alleviate doubt as to coverage due to chronic medical conditions. Coverage is excluded in the plan due to some conditions such as anxiety related mental or nervous disorders for which the waiver is not applicable. Please see the Exclusions section of the Description of Coverage to view these conditions.

      This waiver applies to the primary insured, traveling companions, family members and/or business partners. Please consult the Description of Coverage for complete details.

       
    • One of the reasons listed under trip cancellation is “Sickness, Injury or death of an Insured, Family Member, Traveling Companion, Service Animal or Business Partner”. What is the definition of a Family Member, Business Partner and Service Animal?
      The family member definition means the Insured’s or Traveling Companion’s spouse, Domestic Partner, Child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-child, stepbrother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, legal guardian, foster child, ward, or legal ward.

      The Business Partner definition means a person who: (1) is involved with the Insured or the Insured’s Traveling Companion in a legal partnership; and (2) is actively involved in the daily management of the business.

      The Service Animal definition means any guide dog, signal dog, or other animal individually trained to work or perform tasks for the benefit of an individual with a disability, including, but not limited to, guiding persons with impaired vision, alerting persons with impaired hearing to intruders or sounds, providing animal protection or rescue work, pulling a wheelchair, or fetching dropped items. Please consult the Description of Coverage for complete details.

       
    • Will my current homeowners or renters policy, coverage through my credit card, or health insurance plan cover me during my trip?
      Your other insurance may not offer coverage while you travel due to coverage terms, conditions, limitations, and exclusions. Many people don't have any insurance coverage at all if they must cancel their trip. The All Seasons Travel Plan has a wide range of travel benefits; which homeowners, and renter’s policies, or coverage through your credit card may not offer. The medical expense coverage included in this insurance plan is vital for many people whose health insurance plans may not pay for covered medical expenses incurred outside of the United States (e.g., Medicare, certain HMO's, etc.) Plus, the emergency medical expense coverage is primary. Please consult the Description of Coverage for complete details.

       
    • Given the current economy, what if I or my traveling companion loses our employment?
      The All Seasons Travel Plan includes trip cancellation/interruption coverage due to involuntary termination or layoff which occurs more than 14 days after an Insured’s effective date of coverage. Only one year of employment with the same employer is required. If you or one of your traveling companions loses a job through no fault of your own and you need to cancel or interrupt your trip, this plan can provide reimbursement of non-refundable pre-paid travel expenses. Please consult the Description of Coverage for complete details.

       
    • Will my vacation be covered if I cancel due to a hurricane?
      Coverage due to named hurricanes is based on when you purchase your plan and the date the tropical storm is upgraded to a hurricane. Please consult the Description of Coverage for complete details. The plan also provides coverage if the property that you are staying at is inaccessible or uninhabitable within 30 days after the named hurricane causes the damage.

       
    • When is the last time I can include the insurance plan on my reservation with my lodging provider?
      If you decline the travel insurance plan when paying your initial deposit, you can still purchase the plan either 30 days prior to arrival or by final trip payment, whichever comes first.

       
    • I’ve already paid my final payment. Is it too late for me to purchase the travel insurance plan?
      If you’ve already paid your final payment and now want to add the travel insurance plan, you can do so by calling Travel Guard at 877.249.5376. Make sure you mention your lodging providers name so one of our representatives can assist you. They will need you to provide trip details like your check-in and check-out date, date you paid your initial deposit, and your total trip cost.

       
    • I am making a last-minute reservation. Can I still get travel insurance?
      Making a last minute reservation? You can still include the travel insurance plan on your booking! Make sure you notify your lodging provider that you want to include the travel insurance plan on your booking at the time you make your reservation. 

       
    • Where can I call for more information?
      You may call Travel Guard at 1.877.249.5376 with any questions regarding the travel insurance plan. Available 24/7, our service representatives will be happy to assist you.

       
    • How do I file a claim?
      In the event of a trip cancellation or interruption claim, please notify your lodging provider immediately. Then call Travel Guard at 1.877.249.5376 and refer to product #008573 P1 to start your claim.

    To view the complete description of coverage, click here.

    Questions? Call us at 877-249-5376

  •  
    Questions?Call us at 1.877.249.5376 
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    This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc (Travel Guard). California lic. no.0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, www.travelguard.com. CA DOI toll free number: 213-897-8921. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 18th Floor, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. Travel assistance services provided by Travel Guard.