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Travel Guard Travel Insurance Plan FAQs

We’re here to help make travel insurance easier to understand. Browse answers to some of the most common travel insurance plan questions below to help you better understand your coverage. If you still need help, you can call 1.800.826.5248 and our team will be happy to assist you.

Questions about travel insurance plan coverage

Explore information about coverages, exclusions and how travel insurance plans work.

When you invest time and money into a trip, having a Travel Guard plan in place can help make a difference if the unexpected affects your travel plans.

If you've paid for flights, accommodations, tours or other nonrefundable travel arrangements before departing, a travel insurance plan may help reduce the financial impact of covered travel disruptions.

Depending on the plan you choose, you may have coverage for:

  • A trip you have to cancel before departure
  • A trip that's cut short unexpectedly
  • Medical emergencies while traveling
  • Lost, delayed, stolen or damaged baggage
  • Travel delays that impact your itinerary

Every Travel Guard plan also includes access to 24/7 emergency travel assistance services. Whether you need help finding medical care, replacing a lost passport or rebooking a flight, support is only a phone call away.

Travel plans can change for reasons beyond your control. A Travel Guard plan can help you prepare for unexpected travel challenges that happen before or during your trip.

A travel insurance plan may be especially valuable if you:

  • Have prepaid, nonrefundable trip expenses
  • Are taking a cruise
  • Are traveling internationally
  • Have multiple hotels, flights or tours booked
  • Want coverage for unexpected medical emergencies while outside of the U.S.

While we can't prevent disruptions, we can help you navigate them with greater confidence and support.

Yes. Our travel insurance plans apply to more than cruises and air travel.

Every trip looks different, which is why we designed our plans for a variety of travel experiences and coverage needs. You can explore Travel Guard plans for many types of trips, including:

  • Road trips
  • Weekend getaways
  • Vacation rentals
  • Domestic vacations
  • International travel
  • Family trips

Visit our trip types page to find travel insurance plan options aligned with your travel plans.

No. We can only reimburse eligible nonrefundable expenses with a cash value, which does not include frequent flyer miles.

Because travel rewards programs assign value differently, there is no universal cash value. When you purchase part of your trip using frequent flyer miles or rewards points, you should not include that amount in your insured trip cost when you get a Travel Guard quote.

Our Travel Guard plans can suit a wide variety of travelers and trips. Whether you're taking a family vacation, cruise, destination wedding trip or bucket-list adventure, we provide options designed to fit different travel needs and budgets.

The right plan depends on your trip and the type of coverage you're looking for. We suggest comparing all our Travel Guard plans and reviewing policy details before you buy.

Visit our traveler types and trip types pages for travel insurance plan recommendations tailored to your unique adventure.

The purpose of our travel insurance plans are to help protect your trip investment if unexpected issues occur before or while traveling.

Depending on the plan you purchase, you may have coverage for eligible losses related to:

  • Trip cancellation if you must cancel your trip for a covered unforeseen reason
  • Trip interruption if you need to end your trip early due to a covered event
  • Travel delays that affect your trip plans
  • Medical expenses for a covered illness or injury while traveling
  • Emergency medical evacuation
  • Lost, stolen, damaged or delayed baggage
  • Missed connections caused by a covered travel disruption

Travel insurance plans can only help when events occur without warning, not when a disruption is already known or expected. When you get a Travel Guard travel insurance plan, you can review the policy documents for specific coverages, benefit limits, conditions and exclusions.

Our Travel Guard plans only apply to certain unforeseen events. Travel insurance plans generally do not cover situations that were known, expected or reasonably foreseeable when you purchased your plan.

Depending on your policy, you may not have coverage for:

  • Events that were already known when you purchased your plan
  • Travel disruptions that were expected or foreseeable
  • Reasons for cancellation that are not listed as covered reasons in your policy
  • Expenses that cannot be documented or verified
  • Activities, losses or circumstances specifically excluded by your plan

For example, if a hurricane is already named before you buy our Deluxe Plan, Trip Cancellation coverage for that hurricane may not apply because it was already announced when you bought the plan.

The best way to understand your coverage is to review your policy documents before you travel. They explain what is covered, what is excluded and when other limitations may apply.

Because every traveler and trip is different, the best Travel Guard plan for your vacation is the one that matches your individual travel needs and concerns.

When you compare our travel insurance plans, consider:

  • Your destination
  • Your total trip cost
  • The length of your trip
  • Your travel companions
  • Planned activities
  • The coverage that matters most to you

You can compare our plans side-by-side when you get an online quote. It’s helpful to review your available options carefully and choose the coverage that best aligns with your travel plans, budget and priorities.

No. When you get a quote for a Travel Guard plan, you'll need to enter both a departure date and return date.

We use your trip length to help determine:

Without a return date, we can't accurately determine how long you'll be traveling, which means we can't provide an accurate quote or policy.

If you do not yet know when you'll return, we recommend waiting to get a quote until you finalize your travel dates. Once you have a scheduled return date, you can get a quote based on the full length of your trip and choose the coverage that best fits your travel plans.

If your return date changes, you can modify your policy online with the updated date.

Yes. All Travel Guard standard retail plans include 24/7 emergency travel assistance services to support you with travel challenges.

During your trip, you can contact assistance services any time for:

  • Flight rebooking assistance
  • Hotel rebooking assistance
  • Emergency cash transfer assistance
  • Medical referrals
  • Passport and travel document assistance
  • Pre-trip travel information
  • Emergency message relay services

With a Travel Guard plan, you can leave home knowing you have reliable coverage and a travel support team available when you need help.

Questions about buying a travel insurance plan

Learn how to get a quote, purchase a plan, view policy documents and manage your Travel Guard policy online.

When you get a Travel Guard quote, you’ll enter the following information:

  1. Traveler information 
    a. Name and basic details for each traveler
  2. Trip information
    a. Destination
    b. Departure and return dates
    c. Initial trip deposit date
  3. Total trip cost
    a. Individual trip cost for each traveler

Having these details ready can help you receive a more accurate quote and purchase the right coverage for your trip. Read our travel insurance checklist for helpful tips before you get a quote.

You can include family members, friends or other individuals traveling with you in your Travel Guard travel insurance plan if you all live in the same state.

If someone in your travel group lives in a different state, they’ll need to purchase a separate travel insurance policy.

Your initial payment date is the date you first paid for any part of your trip.

This could be the day you:

  • Paid a booking deposit
  • Purchased your flights
  • Made your first payment to a tour operator
  • Reserved your cruise

This date matters because certain Travel Guard coverages may only be available when you purchase your policy within 15 days of making your initial trip payment.

Depending on your plan and state of residence, these coverages may include:

  • Pre-Existing Medical Condition Exclusion Waiver
  • Trip Cancellation coverage due to financial default of a travel supplier
  • Cancel for Any Reason

We recommend reviewing your state-specific policy document for complete details and requirements.

You can purchase most of our Travel Guard plans up to 24 hours before your scheduled departure date.

If you would like to buy a travel insurance plan on the day you depart, our Pack N’ Go Plan provides coverage for same-day travel. 

Your trip cost should reflect each traveler's individual share of the prepaid, nonrefundable trip expenses, regardless of who paid for the trip.

Each traveler’s trip cost may include:

  • The cost of their airfare or other transportation
  • Their share of hotel, resort or vacation rental expenses
  • Their share of prepaid tours, excursions or activities
  • Prepaid cruise fares

Other prepaid travel arrangements that would be lost if the trip is canceled or interrupted

You can buy a Travel Guard travel insurance plan online — it’s convenient and fairly easy. It takes just a few minutes to get a quote, compare available coverage options and pricing, and purchase the plan that best fits your trip.

How to buy a Travel Guard travel insurance plan online

  1. Enter your trip details, including your destination, travel dates, traveler information and each traveler’s trip cost.
  2. Review and compare available Travel Guard travel insurance plans for your trip.
  3. Select the plan and optional coverages that best meet your travel needs.
  4. Complete your purchase and receive your policy documents by email.

How to buy a Travel Guard travel insurance plan over the phone

If you prefer to purchase a policy with support from our customer service team, you can call us at 1.800.826.5248. We can walk you through plan options and answer your travel insurance questions.

The best time to buy a Travel Guard travel insurance plan is soon after you make your first payment toward your trip, such as your hotel stay or flights.

If you’re able to purchase within the first 15 days of your initial trip payment date, you may benefit from:

  • Helping to protect your trip investment sooner if your plan includes Trip Cancellation coverage
  • Accessing certain time-sensitive coverages like Cancel for Any Reason
  • Preparing for unexpected events before you depart

To learn more, explore our guide on when to buy travel insurance.

No, we cannot accept frequent flyer miles as payment. You can purchase our plans with a debit or credit card.

If you have questions about payment options, our customer service team can help at 1.800.826.5248.

Yes, you can buy a Travel Guard plan after booking any part of your trip, including a flight, hotel stay, cruise or tour.

The sooner you purchase coverage, the sooner eligible coverages can take effect.

The cost of your Travel Guard travel insurance plan depends on several factors, including:

  • Your trip cost
  • Your destination
  • Traveler age(s)
  • Trip length
  • The plan you choose

Because every trip is different, the best way to see your price is to get a quote online. If you would like support, you can call our customer service team at 1.800.826.5248.

Questions about customer service and policy support

Find answers to questions about contacting Travel Guard and managing your policy.

If you need help with a quote, policy or coverage question, we're here to help.

You can contact our customer service team at 1.800.826.5248.

Our helpful representatives can assist you with:

  • Purchasing a plan
  • Reviewing coverage options
  • Updating eligible policy information
  • Answering policy questions
  • Providing claims guidance

If you've experienced a covered travel loss, you can file a Travel Guard claim online.

First, you will enter:

  • Your policy or itinerary number
  • The last name of the policy holder

During the claim process, you may need to submit documentation to support your claim such as:

  • Receipts
  • Invoices
  • Proof of cancellation or delay
  • Medical documentation

For more details, you can check our frequently asked claims questions.

Yes, you can cancel your policy for a full refund if:

  • You submit your request within 15 days of your policy's effective date.
  • Your trip has not started.
  • No insured traveler has filed a claim.

After the 15-day review period ends, you typically cannot receive a refund.

To request a policy cancellation, email our team at refund@travelguard.com.

Note: Cancellation and refund eligibility may vary by state. Please review your policy documents for complete details.

You’ll receive your policy confirmation and documents via email after purchasing your Travel Guard travel insurance plan.

You can also look up your Travel Guard policy details online. You’ll need to enter your policy number and the last name of the primary insured traveler to access your policy.

Yes, you can make certain changes to your Travel Guard policy after purchasing.

 

Depending on your policy and timing, you may be able to update information such as:

  • Traveler details
  • Travel dates
  • Trip costs
  • Trip destination

You can modify your policy online by entering the policy number and last name of the primary traveler listed on the policy.

Questions?

Call us at: 800-826-5248

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Coverage available to residents of U.S. states and the District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. Similar travel insurance coverage, offered by Travel Guard or another insurance provider, may be available through a variety of other sources, but may be subject to different terms and conditions (i.e. benefits, limits, exclusions, etc.). You may wish to compare the terms and conditions of this policy with those of your existing life, health, home and automobile insurance policies, as well as any other coverage which you may already have or is available to you, including through other insurers, as a member of an organization, or through your credit card program(s). 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 may be underwritten by American Zurich Insurance Company, a New York company (NAIC No. 40142), Zurich American Insurance Company, an Illinois company (NAIC No. 16535), each having its principal place of business at 1299 Zurich Way, Schaumburg, IL 60196, or National Union Fire Insurance Company of Pittsburgh, Pa. (NAIC No. 19445), a Pennsylvania insurance company, having its principal place of business at 1271 Avenue of the Americas, 37th FL, New York, NY 10020-1304. Please review the Plan offered to or purchased by you to confirm the underwriting insurer for your specific policy of insurance. Coverage may not be available in all states. Travel assistance services provided by Travel Guard.