Deluxe Travel Insurance Plan

Our top-of-the-line, comprehensive travel coverage that sets the standard.

About the Deluxe Plan

  • Most coverages included
  • Highest benefit limits
  • 24/7 emergency assistance
  • Family coverage
  • Roadside assistance
  • Concierge services

The Deluxe Plan is our top-of-the-line travel insurance plan with the highest benefit limits and the most coverages included on the base plan. Take it one step further and customize your Deluxe Plan with optional add-ons such as our Adventure Sports Bundle or Rental Vehicle Damage Coverage. The Deluxe Plan comes with access to Travel Guard’s 24/7 emergency travel assistance, so you don’t have to worry about handling certain unexpected events on your own. Plus, call on your own personal assistant for your travels with Concierge Services available on the Deluxe Plan – services include restaurant referrals and reservations, tee time reservations, ground transportation coordination, personalized activity recommendations and more.

A great option for:

International Travel

Senior Travelers

High-End Vacations

Deluxe Standard Coverages

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

Trip Cancellation

Up to 100% Insured Trip Cost*

Reimburses 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 for other covered reasons.

Maximum of $150,000

Trip Interruption

Up to 150% Insured Trip Cost*

Reimburses 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.

Maximum of $225,000

Trip Exchange

Up to 50% Insured Trip Cost

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

Maximum of $75,000

Trip Interruption – Return Transportation Only

Up to $1,000

Reimburses the additional Transportation expenses incurred by you to reach the return destination if your Trip is interrupted by one of the Unforeseen events shown in the Trip Interruption section.

Trip Saver

Up to $2,500

Reimburses you if Inclement Weather or Common Carrier causes cancellation or a delay to your point of departure of regularly scheduled airline flights by the airline. Does not apply if you do not leave adequate time between connecting flights.

Trip Delay

Up to $1,000

Reimburses up to $200 per day for Reasonable Additional Expenses until travel becomes possible if your Trip is delayed for more than 5 hours due to covered reasons.

Missed Connection

Up to $1,000

Reimburses you if Inclement Weather or Common Carrier causes cancellation or a delay to your point of departure of regularly scheduled airline flights. Does not apply if you do not leave adequate time between connecting flights.

Travel Medical Expense/Dental Expense

Up to $150,000/$500

Travel Medical Expense pays for medical expenses incurred due to a Sickness or injury that happens while on a Trip. A $500 sub-limit applies for dental expenses.

Baggage Coverage

Up to $2,500

Reimburses you if your luggage is lost, damaged, or stolen while on your trip. Coverage is Primary.

Baggage Delay

Up to $500

Reimburses you for the purchase of necessary personal effects if your bags are delayed for more than 12 hours.

Emergency Evacuation and Repatriation of Remains

Up to $1,000,000

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.

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).

Non-Flight Accidental Death & Dismemberment

Up to $30,000

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

Flight Guard®

Up to $100,000***

Coverage for accidental death or dismemberment that occurs when traveling on, boarding or alighting from a regularly scheduled flight or charter, subject to the Maximum shown in the Schedule of Benefits.

Security Evacuation

Up to $100,000

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

Travel Inconvenience Benefits

$750 (aggregate), $250 limit per coverage

Pays up to the Maximum Limit shown on the Schedule of Benefits if certain unforeseen events occur, such as a flight delay, runway delay or cruise diversion. Additional payable reasons can be added by purchasing the Inconvenience Bundle.

Ancillary Evacuation Benefits

Up to $5,000

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

Get a Quote for the Deluxe Plan

All travelers must live in the state you select.

* Indicates required field.

Deluxe Extra Coverages and Optional Upgrades

Some enhancement options may only be available through our call center. Please call us at 800.826.5248 for more information.

Pre-Existing Medical Condition Exclusion Waiver

Included if your plan is purchased within 15 days of the Initial Trip Payment.

With this waiver it’s possible to be covered for some medical issues on your Trip, despite your pre-existing condition. The Company will waive the pre-existing medical condition exclusion if the following conditions are met:

  1. Purchasing the travel insurance plan with your first Trip deposit, or shortly thereafter as explained in the Policy;
  2. The amount of coverage purchased equals all prepaid, non-refundable Trip payments or deposits, and the cost of any subsequent arrangements added to the same Trip are insured by the date of payment or deposit for the additional arrangements;
  3. You are medically able to travel when your travel insurance plan is purchased.

Cancel for Any Reason

Reimburses up to the Maximum Limit shown on the Schedule of Benefits if you cancel your Trip for any reason, not otherwise covered under the travel insurance plan, up to 48 hours prior to your scheduled departure.

Adventure Sports Bundle

Removes the exclusions for adventure and extreme activities from all benefits on the travel insurance plan.

Name Your Family® Bundle

Include one person to be deemed as a Family Member for the purpose of Family Member-related Unforeseen event coverage.

Pet Bundle

Coverage for boarding, and a medical expense coverage for illness or Injury of dog or cat while traveling. Includes coverage for Trip Cancellation or Trip Interruption if your Pet is in critical condition or dies within seven days prior to the Departure Date.

Rental Vehicle Damage Coverage

Reimburses up to the Maximum Limit shown on the Schedule of Benefits for physical damage to a rental car for which the car rental contract would hold you responsible.

Wedding Bundle

Trip Cancellation due to wedding cancellation. Coverage does not apply if you are the bride or groom in the wedding.

Get a Quote for the Deluxe Plan

All travelers must live in the state you select.

* Indicates required field.

Assistance Services+

All Assistance Services listed below are not insurance benefits and are not provided by the insurer. Travel Guard provides assistance through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses incurred from third-party vendors for assistance services not part of a filed insurance plan are the responsibility of the traveler.

Emergency Travel Assistance

24-hour hotline to make emergency travel changes such as rebooking flights, hotel reservations, tracking lost luggage and more.

Travel Medical Assistance

A menu of services available for emergency medical requests including prescription replacement assistance, Physician referrals, medical evacuations, and more.

Worldwide Travel Assistance

Assistance with any travel emergency or request for general travel information including lost, stolen or delayed Baggage; replacing lost passport or travel documents; emergency cash transfers; pre-Trip travel advice; inoculation information; and more.

Concierge Services

Call on your own personal assistant to help. Services include tee time reservations, restaurant referrals and reservations, wireless device assistance, sporting or theater tickets, and more. If you need it, we’ll find it for you. 

Identity Theft Assistance

If personal information is stolen, emergency travel counselors will assist in contacting credit card companies, monitoring credit reports and working with local authorities to help with identity restoration. (Not available to NY residents)

Up to $50 Roadside Assistance per car++

Towing Assistance - When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer. Flat Tire Assistance - Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. Towing assistance will be provided if needed. Lock-out Assistance - Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside.

Expenses incurred from third-party vendors for assistance services not part of a filed insurance plan are the responsibility of the traveler. 
*Coverage only applicable to prepaid, non-refundable Trip Costs identified on the enrollment form and if the required plan cost has been paid. 
**$50,000 maximum for NH residents 
***$50,000 for NH residents 
+ Non-insurance services provided by Travel Guard. 
++ Roadside Assistance service provided by Quest Towing Services, LLC.

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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.