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For complete coverage information and exclusions, please refer to the Policy of Insurance for your state of residence prior to purchase.
‹ Our Plans
Essential Travel Insurance Plan
Savvy coverage for the budget-minded traveler.
About the Essential Plan
- Budget-friendly
- Perfect for domestic travel
- 24/7 emergency assistance
- Optional add-on coverage
- Family coverage
We understand you have a budget, that’s why Travel Guard offers our Essential Plan. With fewer coverages and lower benefit limits, the Essential Plan is often the lowest cost option for most travelers. But don’t think that means it’s any less valuable. Popular coverages like Trip Cancellation, Trip Delay, Baggage Coverage, and medical expense coverage are all provided on the Essential Plan. You won’t feel like you’re missing out with the Essential Plan. Plus our Essential Plan comes with the same access to Travel Guard’s 24/7 emergency travel assistance line – know that you have support if certain unexpected events happen on your travels.
A GREAT OPTION FOR:
Domestic Travel
Road Trips
Weekend Vacations
Essential Standard Coverages
Trip Cancellation
Up to 100% Insured Trip Cost*
Reimburses nonrefundable, Unused payments or deposits if you must cancel your Trip due to an illness, Injury, or death of you, a Family Member, Traveling Companion, or for other covered reasons.
Maximum of $150,000
Trip Interruption
Up to 100% Insured Trip Cost*
Reimburses nonrefundable, Unused payments or deposits if you must interrupt your Trip due to an illness, Injury, or death of you, a Family Member, Traveling Companion or Business Partner, or for other covered reasons.
Maximum of $150,000
Trip Interruption – Return Transportation Only
Up to $500
Reimburses the additional Transportation expenses incurred by you to reach the return destination if your Trip is interrupted by one of the Unforeseen events shown in the Trip Interruption section.
Trip Delay
Up to $500
Reimburses up to $100 per day for Reasonable Additional Expenses until travel becomes possible if your Trip is delayed for more than 5 hours due to covered reasons.
Travel Medical Expense/Dental Expense
Up to $15,000/$500
Travel Medical Expense pays for medical expenses incurred due to a Sickness or injury that happens while on a Trip. A $500 sub-limit applies for dental expenses.
Baggage Coverage
Up to $750
Reimburses you if your luggage is lost, damaged, or stolen while on your trip. Coverage is secondary.
Baggage Delay
Up to $200
Reimburses you for the purchase of necessary personal effects if your bags are delayed for more than 24 hours.
Emergency Evacuation and Repatriation of Remains
Up to $150,000
Covers evacuation expenses as directed by a Physician to the nearest adequate medical facility or home in the event of death or if medically required.
Family Coverage
One Child age 17 and under, who is booked to travel with and is related to the primary adult named on the enrollment form, is included in the rates for each paying adult. (Offer does not apply to optional coverages. The Child’s Trip Cost must be equal to or less than the adult traveler(s) Trip Cost).
Non-Flight Accidental Death & Dismemberment
Up to $30,000
Pays for loss of life and limb if it occurs within 365 days of an accident during your Trip.
Essential Extra Coverages and Optional Upgrades
Some enhancement options may only be available through our call center. Please call us at 800.826.5248 for more information.
Pre-Existing Medical Condition Exclusion Waiver
Included if your plan is purchased within 15 days of the Initial Trip Payment.
With this waiver it’s possible to be covered for some medical issues on your Trip, despite your pre-existing condition. The Company will waive the pre-existing medical condition exclusion if the following conditions are met:
- Purchasing the travel insurance plan with your first Trip deposit, or shortly thereafter as explained in the Policy;
- The amount of coverage purchased equals all prepaid, non-refundable Trip payments or deposits, and the cost of any subsequent arrangements added to the same Trip are insured by the date of payment or deposit for the additional arrangements;
- You are medically able to travel when your travel insurance plan is purchased.
Missed Connections
Included if your plan is purchased within 15 days of the Initial Trip Payment.
Up to $150
Trip Cancellation and Interruption due to Financial Default of Travel Supplier
Included if your plan is purchased within 15 days of the Initial Trip Payment.
Medical Bundle
Increases base plan medical expense and medical evacuation benefits, and adds Hospital of choice and additional evacuation benefits.
Security Bundle
Coverage for security evacuation, Flight Guard® and Trip Cancellation or Trip Interruption due to Riot or Civil Disorder.
Rental Vehicle Damage Coverage
Reimburses up to the Maximum Limit shown on the Schedule of Benefits for physical damage to a rental car for which the car rental contract would hold you responsible.
Assistance Services+
All Assistance Services listed below are not insurance benefits and are not provided by the insurer. Travel Guard provides assistance through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses incurred from third-party vendors for assistance services not part of a filed insurance plan are the responsibility of the traveler.
Emergency Travel Assistance
24-hour hotline to make emergency travel changes such as rebooking flights, hotel reservations, tracking lost luggage and more.
Travel Medical Assistance
A menu of services available for emergency medical requests including prescription replacement assistance, Physician referrals, medical evacuations, and more.
Worldwide Travel Assistance
Assistance with any travel emergency or request for general travel information including lost, stolen or delayed Baggage; replacing lost passport or travel documents; emergency cash transfers; pre-Trip travel advice; inoculation information; and more.
Concierge Services
Call on your own personal assistant to help. Services include tee time reservations, restaurant referrals and reservations, wireless device assistance, sporting or theater tickets, and more. If you need it, we’ll find it for you.
Expenses incurred from third-party vendors for assistance services not part of a filed insurance plan are the responsibility of the traveler.
*Coverage only applicable to prepaid, non-refundable Trip Costs identified on the enrollment form and if the required plan cost has been paid.
+ Non-insurance services provided by Travel Guard.
Copyright © 2024, Travel Guard. Non insurance services are provided by Travel Guard.
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Coverage available to U.S. residents of the U.S. states and District of Columbia only. 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, 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 1271 Avenue of the Americas, 37th FL, New York, NY 10020-1304. 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.