Travel Guard®

Frequently Asked Questions

Frequently Asked Questions about Travel Guard Insurance

We get it, travel insurance can be confusing. We hope these frequently asked questions help. If you still have questions, contact us at 1.800.826.5248 and our specially trained representatives will be happy to help.

Coverage FAQs

Answers to common questions about Travel Insurance Coverage.

Just another expense, right? Wrong. A travel insurance plan can cover you for unexpected costs incurred before or during your trip so that expenses can be less likely to come out of your own pocket. A travel insurance plan from Travel Guard helps to protect your trip investment with coverages like trip cancellation and interruption, medical expense and evacuation, lost or delayed baggage and more.

As a bonus - most travel insurance plans also include 24/7 emergency assistance services to re-book flights and hotels on your behalf and act as a personal travel assistant while you are away from home.

You bet! We offer an assortment of travel insurance plans for a variety of travel needs.

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 covered as it’s difficult to determine their cash value.

Travelers on a single policy must reside in the same state. If your non-family member lives in the same state as you, then yes, you can include them. Otherwise please purchase a separate plan to ensure coverage.

To boost travelers' confidence when traveling, Travel Guard provides 24-hour, "911" emergency travel 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.

All plans include medical expense coverage. Or, you can give one of our representatives a call at 800-826-5248 and they can tell you about our Medevac coverage.

Pre-existing Medical Condition Exclusions would likely be applicable to a condition of a traveler, traveling companion or family member who 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.

Purchasing FAQs

Answers to questions on how to use the website for purchases.

Let’s make this easy! Before purchasing, please have the following information handy:

  • Personal information for all travelers who will be on the policy
  • Trip details: dates of travel, destination, initial deposit date, final payment date, and any travel companies you will be using
  • Total trip cost and how that cost is broken down per person in your itinerary.

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

Don’t forget! Purchase within 15 days of your initial deposit date and early purchase benefits may apply.

Final payment date is the day on which you finished (or expect to finish) paying for your trip.

The final payment date must occur before the departure date. The initial deposit date and final payment date can be the same day, as long as that day occurs before the departure date.

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

Claim payments under the Trip Cancellation & Trip Interruption benefits are based on the amount of Trip Cost insured per person.  For multiple travelers, you should enter the Trip Cost associated with each individual as it appears on the itinerary or trip invoice.

You can purchase a policy either online, or through a representative at our call center. To purchase online, click here and you will be guided through our product comparison tool. To purchase over the phone, call our representatives at 800-826-5248.

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. You can get a free quote for your personalized travel insurance plan or call our representatives at 800-826-5248.

The Policy will contain reductions, limitations, exclusions and termination provisions. Full details of coverage are contained in the Policy. If there are conflicts between the information above and the Policy, the Policy will govern in all cases. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., with its principal place of business in New York, NY. Coverage may not be available in all states.

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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, 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.