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  • Frequently Asked Questions

    Answers to commonly asked travel insurance questions


    • Can I purchase travel insurance if I am booking a trip that is not a cruise or tour? 
      Yes. We offer a variety of travel insurance plans for various types of travel both domestic and international.
    • What is the deposit date or initial payment date? 
      The deposit or initial payment date is the day on which you made your first payment toward your trip. (i.e airline tickets, hotel, cruise, tour etc)
      The deposit date and final payment date can be the same if you are paying your full trip cost on the same day.
    • When is it too late to buy travel insurance? 
      Most travel insurance plans can be purchased up to 24 hours prior to departure. Some plans offer optional upgrades that may have time restrictions for purchase.
    • Can family members and non family members be insured on the same plan? 
      Anyone who resides at the same address can be insured on the same plan. Anyone with a different address should be insured on a separate plan.
    • Can I purchase a plan without medical coverage for my cruise? 
      No. All of the packages available for cruises include medical expense coverage.
    • How does trip cancellation and interruption coverage apply? 
      It reimburses for forfeited, non-refundable, unused payments or deposits if the insured must cancel or interrupt their trip due to covered reasons. The interruption benefit may also include coverage for additional transportation expenses.
    • What else is typically included in a Travel Guard insurance plan? 
      In addition to trip cancellation and interruption, most travel insurance plans include coverage for trip delay, missed connection, baggage and personal effects, baggage delay, medical expense, and emergency evacuation which includes repatriation of remains. 24 hour assistance services are included to help the traveler with things such as emergency medical assistance, lost baggage tracking, emergency cash transfer, emergency or last minute travel arrangements, assistance with replacing lost travel documents, and much more.
    • What happens if a traveler must cancel their vacation? 
      A traveler could lose all prepaid, non-refundable deposits or payments. A travel insurance plan provides for reimbursement to the insured traveler for these expenses if cancelling their trip due to a covered reason.
    • Why should a traveler buy travel insurance? 
      Travel insurance offers travelers coverage due to unforeseen problems from a cancelled flight due to an illness, or in some plans, an act of terrorism or the financial default of a travel supplier. If an illness, accident, or other covered unforeseen circumstance forces a traveler to cancel or interrupt their travel plans, they may have two potentially major financial losses – money invested in non-refundable prepaid travel expenses, and medical expenses that in some instances may not be covered by their personal health insurance.
    • What is a pre-existing medical condition? 
      A pre-existing condition is one that was first diagnosed, had a change in diagnosis, or required a change in medication during a certain time period immediately preceding and including the effective date of the travel insurance coverage. The time period is usually 60 to 180 days depending upon the plan purchased.
    • Is there coverage due to pre-existing medical conditions? 
      The pre-existing medical condition exclusion may be waived when a plan is purchased with initial trip payment or 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.
    • Do travel insurance plans include trip cancellation or interruption coverage due to terrorism? 
      Some plans include coverage due to terrorist incidents both within the United States and abroad. Please refer to the Description of Coverage for additional details.
    • Does the Baggage & Personal Effects Loss include all items I may take with me while traveling? 
      No, there are some items that are not included such as artificial prosthetic devices, false teeth, any type of eyeglasses, sunglasses, contact lenses or hearing aids, tickets, currency, etc. For additional information, please refer to the Description of Coverage.

     

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    Copyright © 2013, Travel Guard.
    Non insurance services are provided by Travel Guard.
    This is only a brief description of the coverage(s). The Policy will contain reductions, limitations, exclusions and termination provisions. Full details of coverage are contained in the Policy. If there is any conflict between the contents of this document and the Policy, the Policy will govern in all cases. 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, 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. Travel assistance services provided by Travel Guard Group, Inc. ("Travel Guard") For agent/broker use only. Not for public distribution or solicitation.