A travel insurance plan can cover you for unexpected costs incurred before or during your trip. So that costs are less likely to come out of your own pocket, a travel insurance plan can reimburse you for the pre‐paid, non‐refundable portions of a trip if you need to cancel or interrupt your trip for a covered reason. A travel insurance plan can also include medical evacuation coverage (the price of which may cost upwards $100,000) 1 and medical expense coverage, plus reimbursement for lost, damaged or stolen luggage and personal effects. Most travel insurance plans also include 24/7 assistance services to re‐book flights and hotels on your behalf and act as a personal travel assistant while you are away from home. As with all travel insurance plans, always carefully read each DOC (description of coverage) to learn the boundaries of your coverage before purchasing the plan.

Source: http://wwwnc.cdc.gov/travel/yellowbook/2012/chapter-2-the-pre-travel-consultation/travel-health-insurance-and-evacuation-insurance.htm

Before purchasing, please have the following information handy:

• Personal information for all travelers who will be insured, including dates of birth.
• Trip details, including dates of travel, destination, travel companies you will be using, total trip cost and how that cost is broken down per person in your itinerary.

Yes. We offer a variety of travel insurance plans for a variety of types of travel and needs.

In a hurry? Choose the Gold Plan, our most popular. It includes a comprehensive package of coverage and services for a variety of common travel mishaps. Or, you can shop through our complete selection of travel insurance plans here.

Deposit date is the day on which you made your first payment toward the trip.

Final payment date is the day on which you finished paying for your trip.

The final payment date must fall before the departure date. The deposit date and final payment date can be the same day, as long as that day falls before the departure date.

Insurance can be purchased up to 24 hours prior to trip departure date.

Claims are paid per person up to the amount insured. You should divide the cost of the trip per person according to what each person paid.

If tickets are paid for by one member of your group, that person should be assigned the cost. If a particular trip cost includes all travelers, then that cost can be divided among those members equally.

You can choose either destination for the field. There is no need to place both destinations into the shopping cart.

You need only enter the airline that you will use for the first leg of the trip.

You can choose either state for a destination.

Simply select "unlisted" from the airline listing. You can then type in the name of your airline into the box that will appear.

Simply select "unlisted" from the cruise line listing. You can then type in the name of your cruise line into the box that will appear.

The destination selection box is typically on the top of the page. The only exception is our Platinum plan. It includes the selection box at the bottom of the page.

When you select a country other than the U.S., the state selection field will disappear, since it no longer applies to your trip.

Use the "Compare Popular Plans" link on our home page, or you can click here

Our options lists all have a choice of "none" at the top of the list. It displays when you select the list.

In the field for airline name, select "none" at the top of the list. When you do decide on an airline, you may modify your policy to include the carrier at that time.

Yes. Travel Guard offers travel insurance plans for an array of budgets, from modest trips to high-end luxury vacations. There are also products for last-minute getaways and extended trips, and specific coverage plans for cruise travelers, golf travelers, students, and sports travel.

Travel insurance offers travelers coverage for unforeseen problems, from a cancelled flight to a serious illness—or in rare cases, even 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 face two potentially major financial losses—money invested in nonrefundable pre-payments and medical expenses that in many instances may not be covered by health insurance.

Yes you can. You can even purchase a policy using an iPad.

There are two ways to get a fast quote on the site.

The Gold Plan is our most popular plan. For a quick quote:

• Click on "Get a Quote" on the upper left corner of any page of the site.
• Enter your state of residence in the form that appears next.
• Fill out the fields in the Quote Calculator so we understand the basic details of your trip.
• Click "Re-calculate."
• Your quote for the Gold Plan will display.

If you would like a quick quote for one of our other products:

• Click on "Travel Insurance" at the top of any page of the site.
• Select "All Products."
• Enter your state of residence in the form that appears next.
• Review the list of products on the next page. Select any of them by clicking on "Get a Quote."
• Fill out the fields in the Quote Calculator so we understand the initial details of your plans.
• Click "Re-calculate."
• Your quote will display.

Use the "Compare Popular Plans" link on our home page, or you can click here

Click on "Travel Insurance" at the top of any page of the site. Then:

• Select "All Products."
• Enter your state of residence in the drop down that appears next.
• Review the list of products on the next page.
• Select any of them by clicking on "Get a Quote."

Once you have selected a product for a quote, follow these steps:

• Enter your state of residence.
• Enter your basic trip information on the Quote Calculator.
• Click the "Re-Calculate" button to generate your quote.
• Review the price.
• If you like, you can make changes to your quote by adding/removing options.
• After each change, click the Re-Calculate button.
• Once you are satisfied with the price you see, you can click on "Purchase This Plan."

In the field for airline name, select "none" at the top of the list. When you do decide on an airline, you may modify your policy to include the carrier at that time.

Yes. Travel Guard offers travel insurance plans for an array of budgets, from modest trips to high-end luxury vacations. We also offer plans for last-minute getaways and extended trips, and coverage for cruise travelers, golf travelers, students and sports travel.

Please be careful when using frequent flyer miles to calculate your trip cost. Travel insurance typically covers the cash value of non-refundable travel expenses. In other words, money you can’t get back from your airline or other travel provider. Frequent flyer miles are not typically coverable as it’s difficult to determine their cash value.

Yes. Coverage can extend to non-family traveling companions as well. The cost is based on a per person trip cost, therefore each individual is covered separately. Only those listed as travelers on the enrollment form will be covered. All travelers listed on this plan must reside at the same address. If any travelers reside at a different address, a separate plan must be purchased.

We recommend MedEvac.

All plans include medical coverage.

It reimburses for forfeited, nonrefundable, unused payments or deposits if the traveler must cancel or interrupt their trip due to a covered reason.

The cost of travel insurance is based, in most cases, on the value of the trip and the age of the traveler. Typically, the cost is five to seven percent of the trip cost.

Many of Travel Guard's retail insurance programs include financial default coverage if the program is purchased within 15 days of making the initial trip deposit.

To boost travelers' confidence when traveling, Travel Guard has added LiveTravel® assistance, which provides 24-hour, "911" emergency travel agency-type services to all standard retail plans, in case a traveler has to change a flight or a hotel room. Travel Guard has also added assistance with emergency cash transfers, pre-trip consultation services (travel advisories, passport requirements, inoculation information, etc.), and live messaging, which will relay any e-mail or phone message to family, friends or business associates.

Often a traveler will lose nonrefundable deposits and prepayments that can add up to hundreds—or even thousands—of dollars. A comprehensive travel insurance plan through Travel Guard can provide trip cancellation coverage for the traveler's vacation investment—the insurance company reimburses the traveler for all pre-paid, nonrefundable expenses for a covered loss.

In addition to trip cancellation and interruption, the more comprehensive travel insurance plans available today may also cover emergency medical expenses emergency medical transportation, when ordered by a doctor, to the nearest adequate medical facility reimbursement for accommodations and expenses.

Travel insurance gives travelers coverage for unforeseen problems, from a cancelled flight to a serious illness—or in rare cases, even 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 plans, they face two major financial losses—money invested in nonrefundable pre-payments, and medical expenses that in many instances may not be covered by health insurance.

Pre-existing Medical Condition Exclusion would be applicable to a condition of a traveler, traveling companion or family member that was first diagnosed, had a change in diagnosis or required a change in medication during the 60, 90, or 180 day look back period (depending on plan purchased) immediately preceding and including the effective date of coverage. Some plans include a Pre-existing Medical Condition Exclusion Waiver when purchasing the plan within a specified time frame immediately following initial trip payment.

We offer a great option for travelers seeking medical coverage . It’s called the MedEvac Plan. MedEvac is available as an annual or per trip plan and is priced for individual travelers or families. The annual plan (not available to the residents of the States of NY or OR) provides coverage for all trips taken and completed within 365 days of the date the plan cost is paid (maximum trip length is 90 days and good for trips more than 100 miles away from home.)

Both the annual and per trip plan options provide the following coverage:

• Emergency Evacuation to the Hospital of your Choice Coverage
• Medical Expense Coverage
• Optional Adventure Sports Coverage

A MedEvac plan also includes 24-Hour Worldwide Assistance Services* for help anywhere in the world including:

• Medical and prescription assistance
• Flight and hotel rebooking
• Assistance with lost baggage and travel documents

*Non-insurance services are provided by Travel Guard.

Unfortunately, at this time, we do not have an optional upgrade to make the MedEvac Annual Plan primary for the Medical Expense coverage. Claims paid under the Medical Evacuation benefit are subject to plan provisions.