Description of Coverage
Frequently Asked Questions
Frequently Asked Questions
Answers to commonly asked travel insurance 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.
Are the benefits listed per insured or per booking?
The benefits for Trip Cancellation and Trip Interruption are the total per booking. All other coverages are per person with the exception of the Car Rental Collision Coverage which is per car coverage.
Where can I call for more information?
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.
Is there coverage due to pre-existing medical conditions?
The pre-existing medical condition exclusion may be waived when a plan is purchased within a specified time frame following the date the initial deposit or payment was made on the trip. Other restrictions may apply, please review the
Description of Coverage for 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?
A travel insurance plan provides a wide range of travel benefits, which these plans may not offer. You should review your existing coverage. For example, some health insurance plans may not pay for 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.
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 latest the insurance plan can be purchased?
The plan can be purchased up until 24 hours prior to departure.
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 #008574 P1 to start your claim.
To view the complete description of coverage,
Questions? Call us at 877-249-5376
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Non insurance services are provided by Travel Guard.
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: 800-927-HELP. 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. The purchase of travel insurance is not required in order to purchase any other product or service from the Travel Retailer.