Preferred Travel Insurance Plan
A comprehensive travel plan with superb coverage and service from start to finish.
The Deluxe, Preferred and Essential plans are available in all states and the District of Columbia.
Here it is. A plan that is perfect for families and international travelers. No matter where you explore, travel insurance is a smart idea. And our Preferred Plan is a popular plan for good reason. You’ll not only get 24/7 emergency travel assistance services, but amazing coverage for medical expenses, Trip Cancellation, Trip interruption, lost or delayed Baggage, and medical evacuations. Travel Guard has over 40 years of experience and has covered millions of travelers. Our Preferred Plan delivers the coverage you’re looking for.
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).
Preferred 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 $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 up to the Maximum Limit shown on the Schedule of Benefits for the difference between the Trip Cost on the original reservation and the Trip Cost on the new reservation in the event an Insured needs to change their Trip dates due to one of the Unforeseen events shown in Trip Cancellation. Maximum of $75,000.
Trip Interruption – Return Transportation Only: Up to $750
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 up to $2,500 for meals, Hotels and additional Transportation if the Insured must begin their Trip sooner than the originally scheduled Departure Date due to Inclement Weather or Common Carrier changes.
Trip Delay: Up to $800
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 for three or more hours. Does not apply if you do not leave adequate time between connecting flights.
Baggage Coverage: Up to $1,000
Reimburses you if your luggage is lost, damaged, or stolen while on your Trip. Coverage is secondary.
Baggage Delay: Up to $300
Reimburses you for the purchase of necessary personal effects if your bags are delayed for more than 12 hours.
Travel Medical Expense/Dental Expense: Up to $50,000/$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 $500,000
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.
Travel Inconvenience Benefits: $750 (aggregate), $250 limit per coverage
Reimburses up to the Maximum Limit shown on the Schedule of Benefits if any of the following Unforeseen events occur: Flight Delay, Flight Cancellation, Runway Delay, Cruise Diversion, River Cruise Diversion.
Ancillary Evacuation Benefits: Up to $5,000
Includes: Return Transportation, Baggage Return
Preferred 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:
- Purchasing the travel insurance with your first Trip deposit, or shortly thereafter as explained in the Policy;
- 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;
- You are medically able to travel when your travel insurance Policy is purchased.
Preferred Enhancement Suite
Some enhancement options are not available online. Please call us at 800-826-5248 if you’d like more information.
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 Policy, 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 Policy.
Name Your Family® Bundle
Include one person to be deemed as a Family Member for the purpose of Family Member-related Unforeseen event coverage.
Medical Bundle
Increases base plan medical expense and medical evacuation benefits, and adds Hospital of choice and additional evacuation benefits.
Inconvenience Bundle
Payment for closed attractions, rental home lockout, credit/debit card cancellation, Hotel infestation, Hotel construction and more.
Baggage Bundle
Baggage coverage becomes Primary with increased base plan Baggage coverage and Baggage delay benefits.
Pet Bundle
Daily benefit 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.
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.
Wedding Bundle
Trip Cancellation due to wedding cancellation. Coverage does not apply if you are the bride or groom in the wedding.
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.
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)
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.