• Smithsonian Journeys

    Why Buy a Travel Insurance plan?

    Coverage may not be available in all states.
    For questions regarding coverage, services or to file a claim please call 800.208.6142.
    Canadian residents please visit our Canadian site, www.travelguard.ca.

    Unexpected events can occur that may leave you with cancelled plans, lost luggage or medical expenses that you weren’t planning for. The Gold Plan is an affordable, broad package of benefits and non insurance services that can provide coverage and assistance for such unexpected events.

    Why choose the Gold Plan?

    • It's 10 p.m. and you have arrived at the airport for a connecting flight to your final destination, only to find that it has been cancelled. Who can assist you with finding new flights to catch up with your trip?
    • Your bag was lost with your insulin inside. You need help to locate your bag as soon as possible and have an emergency prescription filled. Who do you call?
    • On your way to your destination overseas, your passport and wallet are stolen. Where do you turn for an emergency cash wire transfer, and how will you get your passport replaced?
    • Your sister-in-law becomes seriously ill and you must cancel your trip. What happens to your non-refundable deposits or prepayments?
    • You arrive at your destination and your luggage doesn't. If it's lost, who will help you find it? If it's delayed, who will cover your necessities? If it's stolen, who will reimburse the loss?
    • You're on your trip and twist your ankle. Who can help you find a physician to have it examined?


    PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER
    The Company will waive the pre-existing medical condition exclusion if the following conditions are met:

    1. This plan is purchased within 15 days of making the Initial Trip Payment;
    2. The amount of coverage purchased equals all prepaid, non-refundable payments or deposits applicable to the Trip at the time of purchase, and the cost of any subsequent arrangement(s) added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s);
    3. All Insured’s are medically able to travel when plan cost is paid.

    The Gold Plan, developed by Travel Guard can provide coverage and assistance for these events and much more. To enroll in the plan, pay the plan cost at any time up until 24 hours before departing on your trip.

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: 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.