Why Buy Travel Insurance?

We understand that your trip can take a year to save for, but only a second to ruin. While you can't do anything to prevent an unexpected storm from closing the airport, you can do something to help cover your travel investment, you can buy travel insurance. To illustrate the importance of purchasing a travel insurance plan, we have selected some common examples of what could go wrong.

• It's 10 p.m. and you and your traveling companion arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to catch up with your trip?
• Your bag was lost with your insulin inside. You need help to locate your bag as soon as possible and have an emergency prescription filled. Who do you call?
• You arrive at your destination without your wallet. Where do you turn for emergency cash, and who will help you get your travel documents replaced?
• If your sister becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?
• You arrive on time, but your luggage doesn't. If it's lost, who will help you find it? If it's delayed, who will pay for your necessities? If it's stolen, who will pay to replace it?
• You slip and fall and twist your knee. Who can help you find an orthopedic doctor that specializes in knee injuries?

Why Travel Guard?

When purchasing a travel insurance plan, it's important you look closely at the benefits, coverage limits, and services you will receive. Here is a quick summary of what makes Travel Guard different:

Exceptional customer service - We take great pride in providing the highest levels of service regardless of why you contact us. With a travel insurance plan through Travel Guard, you can expect:

• Phone calls answered within 30 seconds by a Travel Guard employee - no matter when you call
• Assistance 24 hours a day, 7 days a week, 365 days a year
• A zero defect tolerance for customer satisfaction

Fast and fair claims service - You won't find a faster, more accurate claims process than the one provided through Travel Guard. Our claims processing standards include:

• Claims are reviewed by an experienced analyst within 24 hours
• Claims payment is finalized within 24 hours of receipt of final documentation
• 100% correct payments and calculations on all claims
• The "Fairness Principle" - all denied claims are sent to a mediator for review, and the mediator's decision is honored.

The Travelers’ Protection Plan offers: 

• Trip Cancellation coverage due to Work Reasons is included  (Not available to residents of New York State, Washington State, Pennsylvania, or Indiana)
• Includes Trip Cancellation coverage due to involuntary Job Loss!
• This plan covers one child age 17 and under traveling with each paying adult named on the enrollment form.

With the Travelers’ Protection Plan, you receive coverage in the event of unforeseen Trip related expenses due to:

• Trip interruption or delay due to a covered reason
• Emergency medical expense or evacuation
• Lost, stolen or damaged baggage and travel documents
• Baggage delay

Additional insurance benefits available!
 If you purchase within 15 days* of your Initial Trip Payment, you'll receive:

• Coverage due to for financial default of an airline, a cruise line or tour operator. (Financial default is not covered for all travel suppliers.)
• Waiver of the pre-existing medical conditions exclusion (Pre-existing medical conditions waiver applies to the first $30,000 of Trip cost per person.)  
• Optional Cancel For Any Reason! (Not available to residents of New York State.)

*Day one is the date the Trip payment was received. 

Increase your coverage with this valuable addition to the Travelers’ Protection Plan.

Cancel For Any Reason - 70% reimbursement of pre-paid nonrefundable expenses if you cancel your Trip for any reason not otherwise covered under the plan, up to 48 hours prior to your departure. (The Cancel for Any Reason upgrade must be purchased at the same time of base plan and the plan must be purchased within 15 days of Initial Trip Payment. Coverage must be purchased for the full cost of all prepaid Trip arrangements. Not available to residents of New York State.)

Comprehensive non-insurance travel services** automatically included with plan!

With the Travelers’ Protection Plan, every customer also has access to these valuable travel services when they travel:

• Arrangements for last-minute flight changes
• Hotel finder and reservations
• Rental car reservation
• Emergency medical assistance
• BagTrak -- lost baggage tracking
• Pre-Trip health and safety advisories
• Live e-mail and phone messaging to family and friends
• Cash transfers
• Airport transportation
• Golf course reservations
• Event ticketing
• Floral services