Why Buy Travel Insurance? Frequently Asked Questions Contact Us
  • Frequently Asked Questions

  • Most Popular Plans

    • Platinum - For travelers who want the most comprehensive package of travel insurance coverage & assistance services.
    • Gold - Our most popular package of travel insurance & assistance services.
    • My Travel Guard - Our lowest-priced package plan with basic coverage & 24-hour emergency travel services.
    • The Great Outdoors -Ideal for any travel that involves outdoor activities and sports.

  • I would never consider traveling again without travel insurance.

    I was in South Africa on safari and on the first evening of the safari I fell while out in the bush. I broke my ankle in two places and required surgery. Upon my release from the hospital I contacted Travel Guard. They immediately assigned a claim number and started working on revised travel plans to get me home. Upon my return home I submitted all medical bills to their claims department. All covered expenses were paid within 30 days. I would never consider traveling again without travel insurance. Thank you Travel Guard!

    - Rebecca, TX

  • Frequently Asked Questions About Travel Insurance

    • Does Travel Guard offer travel insurance plans tailored to specific types of travel?
      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.*
    • How does trip cancellation and interruption coverage work?
      It reimburses for forfeited, nonrefundable, unused payments or deposits if the traveler must cancel or interrupt their trip due to a covered reason.*
    • How much does travel insurance cost?
      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.*
    • Is the financial default of an airline, cruise line or tour operator covered?
      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.*
    • What else is offered with the purchase of a Travel Guard plan?
      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.*
    • What happens if a traveler must cancel their vacation?
      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.*
    • What other coverage is typically included in a Travel Guard travel insurance plan?
      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.*
    • Why should a traveler buy travel insurance?
      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.*
Non insurance services are provided by Travel Guard. 
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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, www.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 175 Water Street, 15th Floor, 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. 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.