Travel Guard®

Essential Travel Insurance Plan

Essential Travel Insurance Plan

Savvy coverage for the budget minded traveler. 

The Deluxe, Preferred and Essential plans are available in all states and the District of Columbia.

You have a budget. But you also want coverage for your trip. We get it. Whether you are traveling for business or pleasure, basic coverage and access to 24/7 emergency travel assistance services can come in very handy. Want assistance with rebooking flight and hotel? Prefer to have coverage for pre-existing medical conditions? Want Trip Cancellation, Trip Interruption and Trip Delay coverage? Need coverage for lost, stolen or damaged baggage? It’s all right here and can be yours in minutes. Our Essential Insurance Plan is a simple way to cover your travels on a budget.

This plan includes 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).

Cover your next family or international trip with travel insurance through Travel Guard.

Essential 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 Business Partner, or for other covered reasons. Maximum of $100,000.

Trip Interruption: Up to 100% 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 $100,000

Trip Interruption – Return Transportation Only: Up to $500

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 Policy Trip Interruption section.

Trip Delay: Up to $500

Reimburses up to $100 per day for Reasonable Additional Expenses until travel becomes possible if your Trip is delayed for more than 12 hours due to covered reasons.

Baggage Coverage: Up to $750

Reimburses you if your luggage is lost, damaged, or stolen while on your Trip. Coverage is secondary.

Baggage Delay: Up to $200

Reimburses you for the purchase of necessary personal effects if your bags are delayed for more than 24 hours.

Travel Medical Expense/Dental Expense: Up to $15,000/$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.

Emergency Evacuation and Repatriation of Remains: Up to $150,000

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.

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.

Cover your next family or international trip with travel insurance through Travel Guard.

Essential Extra Coverages

Pre-Existing Medical Condition Exclusion Waiver – must be 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 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 Policy is purchased.

Trip Cancellation and Interruption due to Financial Default $150 Missed Connection

Essential Enhancement Suite

Some enhancement options are not available online. Please call us at 800-826-5248 if you’d like more information.

Medical Bundle

Increases base plan medical expense and medical evacuation benefits, and adds Hospital of choice and additional evacuation benefits..

Security Bundle

Coverage for security evacuation, Flight Guard® and Trip Cancellation or Trip Interruption due to riot or civil disorder.

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.

Cover your next family or international trip with travel insurance through Travel Guard.

Assistance Services**

All Assistance Services listed below are not insurance benefits and are not provided by the Company. 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.

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.

Emergency Travel Assistance

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

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.

** Non-insurance services provided by Travel Guard.

Copyright © 2024, Travel Guard. Non insurance services are provided by Travel Guard.
Terms of Use   |   Privacy Policy   |   Accessibility Statement   |   Our Underwriter  |   Do Not Sell or Share My Personal Information  |  About AIG Ads

 

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.