Frequently Asked Questions

Answers to commonly asked travel insurance questions

• How long must my bags be delayed before I am covered under baggage delay? 
  Your baggage delay coverage goes into effect 12 hours after your bags have been delayed.
• What is the maximum amount of cancellation I may purchase? 
  You have the option of purchasing maximum trip cancellation coverage of either $2,500 or $5,000. (Not available to residents of Washington or Pennsylvania.)
• What is the look back period for Pre-Existing conditions? 
  90 days.
• How far from home do I need to be for my coverage to be effective? 
  In order for all services and insured benefits to be in effect, you must be traveling to a destination at least 100 miles from your permanent residence.
• How long is my coverage in effect?  
  Travel Guard annual plans include 365 days of coverage for trips lasting 90 days or less. You may take as many trips as you like during the year, but each trip must be less than 90 consecutive days.