Travel Guard

 

If you are a resident of California or New York, OR if you purchased your policy prior to March 2nd, 2026, CLICK HERE.

 

If you are a resident of California or New York, OR if you purchased your policy prior to March 2nd, 2026, CLICK HERE.

Privacy Notice

We Take Important Steps to Protect the Nonpublic Personal Information We Collect About You

Dear Customer: rev. January 2020

We care about your privacy. That is why we believe in your right to know what nonpublic personal information ("NPI") we collect about you and what we do with that information. This Privacy Notice describes the NPI we collect about you and how we share and protect that information.

Overview UNDERSTANDING HOW WE USE YOUR PERSONAL INFORMATION
   
Why are you receiving this Notice? Financial institutions, which include the Company, choose how they share your NPI. Federal and state law gives consumers the right to limit some but not all sharing of that information. Federal law also requires us to tell you how we collect, share and safeguard your NPI. You are receiving this Privacy Notice because our records show either that you are a customer who is obtaining or has obtained insurance coverage or non-insurance products or services.
   
What types of Information do we collect?

The types of NPI we collect depend on the product or service you have with us. This information can include:

  • Information about you we receive on applications or other forms, such as your name, address, telephone number, date of birth, your social security number, driver's license number, employment information, information about your income, assets and net worth, and medical information;
  • Information about your transactions with the Company and its affiliates;
  • Information about your insurance coverage, premiums, claims history, and payment history;
  • Data from insurance support organizations, government agencies, insurance information sharing bureaus;
  • Property information and similar data about you or your property, such as property appraisal reports; and
  • Information we receive from a consumer reporting agency or insurance information sharing bureau, such as a credit or fraud report.

When your relationship with us ends, we may continue to share information about you as described in this Privacy Notice.
   
What do we do with the NPI we collect?

We share your NPI in the course of supporting your insurance coverage or non-insurance products or services, as authorized by law, or with your consent. This includes sharing, as permitted by law, your NPI with affiliated parties and nonaffiliated third parties, as applicable, in the course of supporting your insurance coverage or non-insurance products.

These affiliates and nonaffiliated third parties include:

  • Financial service providers, such as banks and other insurance companies;
  • Non-financial companies, such as medical providers and nonaffiliated service providers that perform marketing services on our behalf; and
  • Others, such as consumer reporting agencies and insurance information sharing bureaus.

In the section below, we list the reasons we can share your NPI, whether we actually share your NPI, and whether you can opt out of this sharing (or if you are a resident of Vermont, whether you have the right to opt in to allowing this sharing).
Reasons we can share your personal information Does Company Share? Can you opt out of this sharing or limit this sharing or is your authorization required for this sharing?

[For residents of Vermont: Do you have the right to opt in to allow this sharing?]
For our everyday business purposes – such as to process your transactions, administer insurance coverage, products or services, maintain your account, prevent fraud and report to credit bureaus Yes No
For our marketing purposes - to offer our products and services to you Yes No
For joint marketing with other financial companies No Not Applicable
For our affiliates' everyday business purposes – transaction and experience information Yes No
For our affiliates' everyday business purposes – information about your creditworthiness No Not Applicable
For our affiliates to market to you Yes No
For non-affiliates to market their products to you No Not Applicable
Collecting and safeguarding information
How often do you notify me about your privacy practices? We must notify you about our sharing practices when you receive your policy, open an account or purchase a service, and each year while you are a customer, or when significant or legal changes require a revision. Please review the privacy policy posted on our website, ZurichNA.com. It contains additional information about our practices.
Why do you collect my NPI? We collect NPI when you apply for insurance or file an insurance claim to help us provide you with our insurance products and services, and determine your insurability or other eligibility. We may also ask you and others for information to help us verify your identity in order to prevent money laundering and terrorism. Information in a report prepared by an insurance support organization may be retained by that organization and provided to others.
What NPI do we share? We may provide to affiliates and/or nonaffiliated third parties the same NPI listed above in the section entitled, "What types of information do we collect?"
How do you safeguard my NPI? Employees who have access to your NPI are required to maintain and protect the confidentiality of that information. Access to your personal information may be needed to conduct business on your behalf or to service your insurance coverage. In addition, we maintain physical, electronic and procedural measures to protect your personal information in compliance with applicable laws and regulatory standards.

FOR RESIDENTS OF ARIZONA, CALIFORNIA, CONNECTICUT, GEORGIA, ILLINOIS, MAINE, MASSACHUSETTS, MINNESOTA, MONTANA, NEW JERSEY, NEVADA, NORTH CAROLINA, OHIO, OREGON, OR VIRGINIA:

You have the following individual rights under state law:

Except for certain documents related to claims and lawsuits, you have the right to access the recorded personal information that we have collected about you which we reasonably can locate and retrieve. To access your recorded personal information, you must submit a request using our online form on our website, ZurichNA.com, or calling our toll-free number at 1-800-382-2150. You may also reasonably describe the information you seek in writing and send your written request to the Privacy Office via mail (Zurich – Privacy Office, 1299 Zurich Way, Schaumburg, IL 60196) or via email at privacy.office@zurichna.com. If you would like a copy of your recorded personal information that we reasonably can locate and retrieve, we may charge you a reasonable fee to cover the costs incurred in providing you a copy of the recorded information if it is permitted by law. If you request medical records, we may elect to supply that information to you through your designated medical professional for security purposes. We may also direct you to a consumer reporting agency to obtain certain consumer report information.

Generally, most of the recorded nonpublic personal information we collect about you and have in our possession is from policy applications or enrollment forms you submit to obtain our products and services, and is reflected in your statements and other documentation you receive from us. If you believe that the personal information we have about you in our records is incomplete or inaccurate, please let us know at once through any of the above methods, and we will investigate and correct any errors we find.

You also have the right to request the correction, amendment, or deletion of recorded personal information about you that we have in our possession. You may make your request using any of the above methods.

Residents of California and Nevada have additional rights over their non-public personal information if it is not governed by the Gramm-Leach-Bliley Act. For more information about these rights, please consult our online privacy policy posted on our website, ZurichNA.com.

FOR RESIDENTS OF MASSACHUSETTS ONLY WHO ARE ZNA P&C CUSTOMERS: You may ask in writing for the specific reasons for an adverse underwriting decision. An adverse underwriting decision is where we decline your application for insurance, offer to insure you at a higher than standard rate or terminate your coverage.

Key words and phrases TERMS YOU SHOULD KNOW
Definitions  
Everyday business purposes

The actions necessary for financial companies like the Company to conduct business and manage customer accounts, such as:

  • Processing transactions, mailing and auditing services;
  • Administering insurance coverage, product, services or claims;
  • Providing information to credit bureaus;
  • Protecting against fraud;
  • Responding to court/governmental orders or subpoenas and legal investigations; and
  • Responding to insurance regulatory authorities.
Affiliates

Financial or nonfinancial companies related by common ownership or control.

  • Company affiliates include insurance and non-insurance companies under common ownership with the Company and that provide insurance and non-insurance products or services.
Nonaffiliated Third Parties

Financial or nonfinancial companies not related by common ownership or control. We may share your information with companies that we hire to perform marketing and business services for us, such as data processing, computer software maintenance and development, and transaction processing. When we share information with others to perform these services, they are required to take appropriate steps to protect this information and use it only for purposes of performing the services.

  • The Company does not share information with nonaffiliates to market their products to you.
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • The Company does not jointly market.
Changes to this Privacy Notice; contact us

We may change the policies, standards and procedures described in this Notice at any time to comply with applicable laws and/or to conform to our current business practices. We will notify you of material changes.

If you have any questions about your contract with us, you should contact your agent.

If you have questions specific to our Privacy Notice, contact our Privacy Office via mail (Zurich – Privacy Office, 1299 Zurich Way, Schaumburg, IL 60196) or via email at privacy.office@zurichna.com.

This Privacy Notice is sent on behalf of the following affiliated companies, which are referred to in this Privacy Notice, in the aggregate, as the "Company:"

American Guarantee and Liability Insurance Company, American Zurich Insurance Company, Colonial American Casualty and Surety Company, Empire Fire & Marine Insurance Company, Empire Indemnity Insurance Company, The Fidelity and Deposit Company of Maryland, Steadfast Insurance Company, Universal Underwriters Insurance Company, Universal Underwriters of Texas Insurance Company, Zurich American Insurance Company, Zurich American Insurance Company of Illinois, The Zurich Services Corporation (together, "the ZNA P&C Companies"), Zurich American Life Insurance Company, Zurich American Life Insurance Company of New York, and Travel Guard Group, Inc.

U-GU-1107-D CW (01/20)
©2020 Zurich American Insurance Company

FACTS

WHAT DOES NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA. (NUFIC) DO WITH YOUR PERSONAL INFORMATION?.

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:
• Social Security number and Medical Information
• Income and Credit History
• Payment History and Employment Information
When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons NUFIC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does NUFIC share?

Can you limit this sharing?
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, conduct research including data analytics,or report to credit bureaus Yes No
For our marketing purposes — to offer our products and services to you Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes— information about your transactions and experiences Yes No
For our affiliates’ everyday business purposes— information about your creditworthiness No We don’t share
For our affiliates to market to you No We don’t share
For nonaffiliates to market to you No We don’t share

Questions?

For National Union Fire Insurance Company of Pittsburgh, Pa.: Call 866-244-4786; Fax: 212-458-7081 or E-Mail: CIPrivacy@aig.com

Who are you

Who is providing this notice?

National Union Fire Insurance Company of Pittsburgh, Pa.

What we do

How does NUFIC protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.  These measures include computer safeguards and secured files and buildings.  We restrict access to employees, representatives, agents, or selected third parties who have been trained to handle nonpublic personal information.

How does NUFIC collect my personal information?

We collect your personal information, for example, when you
• apply for insurance or pay insurance premiums
• file an insurance claim or give us your income information
• provide employment information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only
• sharing for affiliates’ everyday business purposes— information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Privacy Notice

FACTS

WHAT DOES NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA. (NUFIC) DO WITH YOUR PERSONAL INFORMATION?.

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:
• Social Security number and Medical Information
• Income and Credit History
• Payment History and Employment Information
When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons NUFIC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does NUFIC share?

Can you limit this sharing?
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, conduct research including data analytics,or report to credit bureaus Yes No
For our marketing purposes — to offer our products and services to you Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes— information about your transactions and experiences Yes No
For our affiliates’ everyday business purposes— information about your creditworthiness No We don’t share
For our affiliates to market to you No We don’t share
For nonaffiliates to market to you No We don’t share

Questions?

For National Union Fire Insurance Company of Pittsburgh, Pa.: Call 866-244-4786; Fax: 212-458-7081 or E-Mail: CIPrivacy@aig.com

Who are you

Who is providing this notice?

National Union Fire Insurance Company of Pittsburgh, Pa.

What we do

How does NUFIC protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.  These measures include computer safeguards and secured files and buildings.  We restrict access to employees, representatives, agents, or selected third parties who have been trained to handle nonpublic personal information.

How does NUFIC collect my personal information?

We collect your personal information, for example, when you
• apply for insurance or pay insurance premiums
• file an insurance claim or give us your income information
• provide employment information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only
• sharing for affiliates’ everyday business purposes— information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Privacy Notice

We Take Important Steps to Protect the Nonpublic Personal Information We Collect About You

Dear Customer: rev. January 2020

We care about your privacy. That is why we believe in your right to know what nonpublic personal information ("NPI") we collect about you and what we do with that information. This Privacy Notice describes the NPI we collect about you and how we share and protect that information.

Overview UNDERSTANDING HOW WE USE YOUR PERSONAL INFORMATION
   
Why are you receiving this Notice? Financial institutions, which include the Company, choose how they share your NPI. Federal and state law gives consumers the right to limit some but not all sharing of that information. Federal law also requires us to tell you how we collect, share and safeguard your NPI. You are receiving this Privacy Notice because our records show either that you are a customer who is obtaining or has obtained insurance coverage or non-insurance products or services.
   
What types of Information do we collect?

The types of NPI we collect depend on the product or service you have with us. This information can include:

  • Information about you we receive on applications or other forms, such as your name, address, telephone number, date of birth, your social security number, driver's license number, employment information, information about your income, assets and net worth, and medical information;
  • Information about your transactions with the Company and its affiliates;
  • Information about your insurance coverage, premiums, claims history, and payment history;
  • Data from insurance support organizations, government agencies, insurance information sharing bureaus;
  • Property information and similar data about you or your property, such as property appraisal reports; and
  • Information we receive from a consumer reporting agency or insurance information sharing bureau, such as a credit or fraud report.

When your relationship with us ends, we may continue to share information about you as described in this Privacy Notice.
   
What do we do with the NPI we collect?

We share your NPI in the course of supporting your insurance coverage or non-insurance products or services, as authorized by law, or with your consent. This includes sharing, as permitted by law, your NPI with affiliated parties and nonaffiliated third parties, as applicable, in the course of supporting your insurance coverage or non-insurance products.

These affiliates and nonaffiliated third parties include:

  • Financial service providers, such as banks and other insurance companies;
  • Non-financial companies, such as medical providers and nonaffiliated service providers that perform marketing services on our behalf; and
  • Others, such as consumer reporting agencies and insurance information sharing bureaus.

In the section below, we list the reasons we can share your NPI, whether we actually share your NPI, and whether you can opt out of this sharing (or if you are a resident of Vermont, whether you have the right to opt in to allowing this sharing).
Reasons we can share your personal information Does Company Share? Can you opt out of this sharing or limit this sharing or is your authorization required for this sharing?

[For residents of Vermont: Do you have the right to opt in to allow this sharing?]
For our everyday business purposes – such as to process your transactions, administer insurance coverage, products or services, maintain your account, prevent fraud and report to credit bureaus Yes No
For our marketing purposes - to offer our products and services to you Yes No
For joint marketing with other financial companies No Not Applicable
For our affiliates' everyday business purposes – transaction and experience information Yes No
For our affiliates' everyday business purposes – information about your creditworthiness No Not Applicable
For our affiliates to market to you Yes No
For non-affiliates to market their products to you No Not Applicable
Collecting and safeguarding information
How often do you notify me about your privacy practices? We must notify you about our sharing practices when you receive your policy, open an account or purchase a service, and each year while you are a customer, or when significant or legal changes require a revision. Please review the privacy policy posted on our website, ZurichNA.com. It contains additional information about our practices.
Why do you collect my NPI? We collect NPI when you apply for insurance or file an insurance claim to help us provide you with our insurance products and services, and determine your insurability or other eligibility. We may also ask you and others for information to help us verify your identity in order to prevent money laundering and terrorism. Information in a report prepared by an insurance support organization may be retained by that organization and provided to others.
What NPI do we share? We may provide to affiliates and/or nonaffiliated third parties the same NPI listed above in the section entitled, "What types of information do we collect?"
How do you safeguard my NPI? Employees who have access to your NPI are required to maintain and protect the confidentiality of that information. Access to your personal information may be needed to conduct business on your behalf or to service your insurance coverage. In addition, we maintain physical, electronic and procedural measures to protect your personal information in compliance with applicable laws and regulatory standards.

FOR RESIDENTS OF ARIZONA, CALIFORNIA, CONNECTICUT, GEORGIA, ILLINOIS, MAINE, MASSACHUSETTS, MINNESOTA, MONTANA, NEW JERSEY, NEVADA, NORTH CAROLINA, OHIO, OREGON, OR VIRGINIA:

You have the following individual rights under state law:

Except for certain documents related to claims and lawsuits, you have the right to access the recorded personal information that we have collected about you which we reasonably can locate and retrieve. To access your recorded personal information, you must submit a request using our online form on our website, ZurichNA.com, or calling our toll-free number at 1-800-382-2150. You may also reasonably describe the information you seek in writing and send your written request to the Privacy Office via mail (Zurich – Privacy Office, 1299 Zurich Way, Schaumburg, IL 60196) or via email at privacy.office@zurichna.com. If you would like a copy of your recorded personal information that we reasonably can locate and retrieve, we may charge you a reasonable fee to cover the costs incurred in providing you a copy of the recorded information if it is permitted by law. If you request medical records, we may elect to supply that information to you through your designated medical professional for security purposes. We may also direct you to a consumer reporting agency to obtain certain consumer report information.

Generally, most of the recorded nonpublic personal information we collect about you and have in our possession is from policy applications or enrollment forms you submit to obtain our products and services, and is reflected in your statements and other documentation you receive from us. If you believe that the personal information we have about you in our records is incomplete or inaccurate, please let us know at once through any of the above methods, and we will investigate and correct any errors we find.

You also have the right to request the correction, amendment, or deletion of recorded personal information about you that we have in our possession. You may make your request using any of the above methods.

Residents of California and Nevada have additional rights over their non-public personal information if it is not governed by the Gramm-Leach-Bliley Act. For more information about these rights, please consult our online privacy policy posted on our website, ZurichNA.com.

FOR RESIDENTS OF MASSACHUSETTS ONLY WHO ARE ZNA P&C CUSTOMERS: You may ask in writing for the specific reasons for an adverse underwriting decision. An adverse underwriting decision is where we decline your application for insurance, offer to insure you at a higher than standard rate or terminate your coverage.

Key words and phrases TERMS YOU SHOULD KNOW
Definitions  
Everyday business purposes

The actions necessary for financial companies like the Company to conduct business and manage customer accounts, such as:

  • Processing transactions, mailing and auditing services;
  • Administering insurance coverage, product, services or claims;
  • Providing information to credit bureaus;
  • Protecting against fraud;
  • Responding to court/governmental orders or subpoenas and legal investigations; and
  • Responding to insurance regulatory authorities.
Affiliates

Financial or nonfinancial companies related by common ownership or control.

  • Company affiliates include insurance and non-insurance companies under common ownership with the Company and that provide insurance and non-insurance products or services.
Nonaffiliated Third Parties

Financial or nonfinancial companies not related by common ownership or control. We may share your information with companies that we hire to perform marketing and business services for us, such as data processing, computer software maintenance and development, and transaction processing. When we share information with others to perform these services, they are required to take appropriate steps to protect this information and use it only for purposes of performing the services.

  • The Company does not share information with nonaffiliates to market their products to you.
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • The Company does not jointly market.
Changes to this Privacy Notice; contact us

We may change the policies, standards and procedures described in this Notice at any time to comply with applicable laws and/or to conform to our current business practices. We will notify you of material changes.

If you have any questions about your contract with us, you should contact your agent.

If you have questions specific to our Privacy Notice, contact our Privacy Office via mail (Zurich – Privacy Office, 1299 Zurich Way, Schaumburg, IL 60196) or via email at privacy.office@zurichna.com.

This Privacy Notice is sent on behalf of the following affiliated companies, which are referred to in this Privacy Notice, in the aggregate, as the "Company:"

American Guarantee and Liability Insurance Company, American Zurich Insurance Company, Colonial American Casualty and Surety Company, Empire Fire & Marine Insurance Company, Empire Indemnity Insurance Company, The Fidelity and Deposit Company of Maryland, Steadfast Insurance Company, Universal Underwriters Insurance Company, Universal Underwriters of Texas Insurance Company, Zurich American Insurance Company, Zurich American Insurance Company of Illinois, The Zurich Services Corporation (together, "the ZNA P&C Companies"), Zurich American Life Insurance Company, Zurich American Life Insurance Company of New York, and Travel Guard Group, Inc.

U-GU-1107-D CW (01/20)
©2020 Zurich American Insurance Company

Questions?

Call us at: 1.844.254.9549

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.