• All Seasons Travel Plan
  • All Seasons Travel Plan

    To include travel insurance on your reservation, contact your lodging provider.

  • Crisis Onboard Cruise Ship

    Onboard what should have been a dream vacation with my wife, I experienced a life threatening medical situation that prompted our ship captain to change the course of the cruise ship to get me to the nearest hospital. After an initial examination at the local hospital in Mexico it was decided I should be airlifted to a hospital in Florida where I was in the ICU for several days. Once my doctors deemed me fit to travel, Travel Guard coordinated a medical escort to assist me on the flight home. Travel Guard took care of all the flight arrangements and ensured I got home safely. The people at Travel Guard are the best, I really can’t say enough about the professionalism and service I experienced.

    - Richard, CT
  • Frequently Asked Questions

    • Why should I purchase a travel insurance plan for my vacation?
      You've saved, you've waited, and now you're all set to travel. Preparing for your trip includes covering yourself for unfortunate occurrences that can interfere with even your best-laid plans. By purchasing a travel insurance plan, you can insure yourself for trip cancellation/interruption due to covered reasons, medical expense and more, as well as gain access to a wide range of traveler's assistance services.

    • How much does the insurance plan cost?
      The insurance plan costs 7% of your total booking cost.  

    • Are the benefits listed per insured or per booking?
      The benefits for Trip Cancellation and Trip Interruption are the total per booking. All other coverages are per person. Car Rental Collision Coverage is per car coverage.

    • Is there help while I’m traveling?
      An added value offered in this insurance plan is the 24-Hour Emergency Assistance Services. Travel Guard is a leader in this field. With Travel Guard, you have access to the services of a highly trained, multi-lingual staff around the clock to assist you with emergencies such as: cash transfers, lost documents, baggage tracking medical or legal monitoring, physician referrals, flight rebooking, and roadside assistance. They are also equipped to respond in many unexpected circumstances. If an emergency should arise during your trip, call Travel Guard immediately and give the details of your problem or emergency.

    • Is there coverage due to pre-existing medical conditions?
      Yes, while there is an exclusion for pre-existing medical conditions, the pre-existing medical condition exclusion is waived if you purchase the insurance within 21 days of your initial deposit and are medically able to travel at the time of purchase.  This waiver applies to the primary insured, traveling companions, family members and/or business partners.  Some exclusions may apply such as anxiety-related mental or nervous disorders and psychological disorders.  Please review the Certificate of Insurance for additional details.

    • What is pre-existing medical condition?
      A pre-existing medical condition is one that was first diagnosed, had a change in diagnosis, or required a change in medication, during a certain time period immediately preceding and including the effective date of the travel insurance plan. For All Seasons Travel Plan, the time period is 60 days.

    • What is the definition of a Family Member, Business Partner and Service Animal?
      The family member definition includes the insured’s or traveling companion’s spouse, domestic partner, child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-child, step-brother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, legal guardian, foster child, ward, or legal ward.

      The Business Partner definition means a person who: (1) is involved with the Insured or the Insured’s Traveling Companion in a legal partnership; and (2) is actively involved in the daily management of the business.

      The Service Animal definition means any guide dog, signal dog, or other animal individually trained to work or perform tasks for the benefit of an individual with a disability, including, but not limited to, guiding persons with impaired vision, alerting persons with impaired hearing to intruders or sounds, providing animal protection or rescue work, pulling a wheelchair, or fetching dropped items. Please consult the Certificate of Insurance for complete details.

    • Will my current homeowners or renters policy, coverage through my credit card, or health insurance plan cover me during my trip?
      A travel insurance plan provides a wide range of travel benefits, which these plans may not offer. You should review your existing coverage. For example, some health insurance plans may not pay for medical expenses incurred outside of the United States (e.g., Medicare, certain HMO's, etc.) Plus, the emergency medical expense coverage is primary. Please consult the Certificate of Insurance for complete details.

    • Is there coverage for loss of employment?
      Yes, this plan  includes trip cancellation/interruption coverage, for the Insured or Traveling Companion, due to involuntary termination or layoff, through no fault of your own, which occurs more than 14 days after an Insured’s effective date of coverage. You must have been employed with the same employer for one year. Please consult the Certificate of Insurance for complete details.

    • Will my vacation be covered if I cancel due to a hurricane?
      Coverage due to named hurricanes is based on when you purchase your plan and the date the tropical storm is upgraded to a hurricane. Please consult the Certificate of Insurance for complete details. Coverage may vary based on state of residence. The plan also provides coverage if the property that you are staying at is inaccessible or uninhabitable within 30 days after the named hurricane causes the damage.

    • Is there coverage for Inclement Weather or other natural disasters?
      Yes, the plan includes coverage for Inclement Weather causing delay or cancellation of travel; the insured's primary residence being made uninhabitable by natural disaster, vandalism or burglary; or destination being made uninhabitable by flood, tornado, earthquake, fire, wildfire, volcanic eruption or blizzard that was due to natural causes. Vandalism, or burglary are covered reasons for cancellation or trip interruption.

    • When is the last time I can include the insurance plan on my reservation with my lodging provider?
      If you decline the travel insurance plan when paying your initial deposit, you can still purchase the plan either 30 days prior to arrival or by final trip payment, whichever comes first.

    • I’ve already paid my final payment. Is it too late for me to purchase the travel insurance plan?
      If you’ve already paid your final payment and now want to add the travel insurance plan, you can do so by calling Travel Guard at 877.249.5376. Make sure you mention your lodging providers name so one of our representatives can assist you. They will need you to provide trip details like your check-in and check-out date, date you paid your initial deposit, and your total trip cost.

    • I am making a last-minute reservation. Can I still get travel insurance?
      Making a last minute reservation? You can still include the travel insurance plan on your booking! Make sure you notify your lodging provider that you want to include the travel insurance plan on your booking at the time you make your reservation. 

    • Where can I call for more information?
      You may call Travel Guard at 1.877.249.5376 with any questions regarding the travel insurance plan. Available 24/7, our service representatives will be happy to assist you.

    • How do I file a claim?
      In the event of a trip cancellation or interruption claim, please notify your lodging provider immediately. Then call Travel Guard at 1.877.249.5376 and refer to product #008573 P1/ #008574 to start your claim.

    • When can I purchase the insurance through Travel Guard?
      You can purchase the plan no later than 24 hours prior to departure by calling Travel Guard at 877.249.5376. Make sure you mention your lodging providers name so one of our representatives can assist you. They will need you to provide trip details like your check-in and check-out date, date you paid your initial deposit, and your total trip cost.

    To view the complete certificate of insurance, click here.

    Questions? Call us at 877-249-5376

  • Questions?Call us at 1.877.249.5376 
    Non insurance services are provided by Travel Guard.
    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: 213-897-8921. 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, 18th 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. Travel assistance services provided by Travel Guard.