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Our Standard Coverages

Travel Guard plans are customizable to meet your unique travel needs.

Travel Guard’s coverages have been tailored to meet the needs of most travelers. We’ve seen what can happen while traveling, and we’ve built our coverages around that. Travel more confidently with a Travel Guard travel insurance plan.

For complete coverage information, benefit limits and exclusions, please refer to the Policy of Insurance for your state prior to purchase.

Pre-Departure Coverages

Did you know that certain coverages start before you even leave for your trip? The day after you purchase your travel insurance plan, your pre-departure coverage begins. Help protect your travel investment from the start with these valuable coverages.

Trip Cancellation

May reimburse nonrefundable, unused payments or deposits if you must cancel your Trip due to an illness, Injury, or death of you, a Family Member, Traveling Companion or Business Partner, or for other covered reasons.

Included on:

Deluxe

Preferred

Essential

Travel Guard Plus

Trip Exchange

Reimburses eligible costs to move your Trip to a future date instead of canceling completely, for a covered reason.

Included on:

Deluxe

Preferred

Trip Saver

If you’re required to leave early due to inclement weather, this may reimburse covered expenses up to the original, scheduled Departure Date.

Included on:

Deluxe

Preferred

Post-Departure Coverages

On your scheduled Departure Date, your post-departure coverages go into effect and begin helping to protect your travel investment. Travel with more confidence knowing you have comprehensive travel insurance coverages as part of your Travel Guard travel insurance plan.

Trip Interruption

May reimburse nonrefundable, unused payments or deposits if you must interrupt your Trip due to an illness, Injury, or death of you, a Family Member, Traveling Companion or Business Partner, or for other covered reasons.

Included on:

Deluxe

Preferred

Essential

Travel Guard Plus

Pack N Go

Annual

Trip Interruption – Return Transportation Only

May reimburse the additional transportation expenses incurred by you to reach the return destination if your Trip is interrupted by certain Unforeseen events.

Included on:

Deluxe

Preferred

Essential

Travel Guard Plus

Single Occupancy

If a person sharing accommodations with the Insured cancels for a covered unforeseen event, and the Insured does not, and as a result the Insured must pay more to be on the Trip (e.g. single supplement charge for a cruise cabin) this coverage may reimburse that cost.

Included on:

Deluxe

Preferred

Essential

Travel Guard Plus

Pack N Go

Trip Delay

May reimburse for certain expenses (which may include hotel, taxi or meals.) if you are delayed due to Inclement Weather, Strike, or other covered reasons. (The length of the delay varies by plan.)

Included on:

Deluxe

Preferred

Essential

Travel Guard Plus

Pack N Go

Annual

Missed Connection

If you miss a departure due to delay by Common Carrier or Inclement Weather, Missed Connection may reimburse you for additional transportation costs and covered Cancellation Penalties for missed portions of the trip. (Does not apply if you do not leave adequate time between connecting flights.)

Included on:

Deluxe

Preferred

Travel Guard Plus

Pack N Go

Annual

Travel Inconvenience Benefits

Provides a flat payment if you experience certain documented inconveniences on your Trip, such as a closed attraction, flight delay, runway delay, cruise diversion.

Included on:

Deluxe

Preferred

Baggage Coverage

May reimburse you if your luggage is lost, damaged, or stolen while on your Trip. Coverage may be secondary on some plans.

Included on:

Deluxe

Preferred

Essential

Travel Guard Plus

Pack N Go

Annual

Baggage Delay

May reimburse you for the purchase of necessary personal effects if your bags are delayed during your trip. (The length of the delay varies by plan.)

Included on:

Deluxe

Preferred

Essential

Travel Guard Plus

Pack N Go

Security Evacuation

Coverage for security evacuation, Flight Guard® and Trip Cancellation or Trip Interruption due to a Riot or Civil Disorder.

Included on:

Deluxe

Annual

Medevac Per Trip Plan

Available to add on to:

Preferred +

Ancillary Evacuation Benefits

Includes Return Transportation and Baggage Return coverage. Additional coverages such as Bedside Visit are available as part of the Medical Bundle.

Included on:

Deluxe

Preferred

Annual

Medevac Per Trip Plan

Travel Medical Expense/Dental Expense

Covers certain medical expenses incurred due to a Sickness or Injury that happens while on a Trip. A $500 sub-limit applies for dental expenses.

Included on:

Deluxe

Preferred

Essential

Travel Guard Plus

Pack N Go

Annual

Medevac Per Trip Plan

Emergency Evacuation & Repatriation of Remains

Covers evacuation expenses as directed by a Physician to the nearest adequate medical facility or home in the event of death or if medically required.

Included on:

Deluxe

Preferred

Essential

Travel Guard Plus

Pack N Go

Annual

Medevac Per Trip Plan

Non-Flight Accidental Death & Dismemberment

Coverage for loss of life and limb if it occurs within 365 days of an accident during your Trip.

Included on:

Deluxe

Preferred

Essential

Travel Guard Plus

Annual

Medevac Per Trip Plan

Flight Guard

Coverage for accidental death or dismemberment that occurs when traveling on, boarding or alighting from a regularly scheduled flight or charter.

Included on:

Deluxe

Available to add on to:

Preferred +

Essential +

Family Coverage

One Child age 17 and under, who is booked to travel with and is related to the primary adult named on the enrollment form, is included in the rates for each paying adult. (Offer does not apply to optional coverages. The Child’s Trip Cost must be equal to or less than the adult traveler(s) Trip Cost).

Included on:

Deluxe

Preferred

Essential

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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, 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 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.