You can't afford to travel without it!

There are hundreds of circumstances that could cause you to cancel your trip, or return home early.

To demonstrate the importance of purchasing travel insurance, here are some common examples of what could go wrong. Incidentally, all are covered by a Travel Guard travel insurance policy:

1. You could lose money you've invested for your trip, such as nonrefundable deposits, if bad weather conditions cause delay or cancellation of your trip.
2. You may have to cut your trip short and return home for an emergency such as an unexpected illness or death in the family forcing you to lose the remaining pre-paid portion of your trip and pay a ticket change fee for your return travel arrangements.
3. Your luggage could be lost, delayed or stolen, forcing you to purchase additional clothes, essentials or even prescription medications.
4. The airline, cruise line or tour operator with which you're scheduled to travel suddenly goes on strike leaving you with no option but to cancel your trip…with no recourse for reimbursement.
5. You could run into major travel delays forcing you to miss a portion of your trip or cruise and be forced to pay additional lodging expenses while you wait.
6. You could be forced to evacuate your resort due to a predicted hurricane or other weather conditions, cutting your trip short... with no recourse for reimbursement for the remaining portion of your vacation.
7. You could lose your important travel documents stranding you while traveling abroad.

Why Travel Guard?

Not all travel insurance companies are the same!

When purchasing travel insurance, it's important you look closely at the coverages and services you'll receive.

Here is a quick summary of what makes Travel Guard different than the competition:

Exceptional customer service - We take great pride in providing the high levels of service for which we've built our reputation.

When you choose Travel Guard, you can expect:

• Policies to be issued within 24 hours of the application being received
• Phone calls answered within 30 seconds
• Assistance 24 hours a day, 7 days a week, 365 days a year
• A zero defect tolerance for customer satisfaction Fast, fair claims service - You won't find a faster, more accurate claims process than you will with Travel Guard. Our claims process standards include:
• Claims reviewed by an experienced analyst within 24 hours
• Claims payment is finalized within 24 hours of receipt of final documentation
• 100% correct payments and calculations on all claims
• The "Fairness Principle" - all denied claims are sent to a mediator for review and the mediator's decision is honored.

The best travel assistance service in the industry

Travel Guard provides its policyholders 24-hour emergency travel assistance. Whether you need help finding medical care halfway around the world, making emergency arrangements to return home or obtaining an emergency cash advance, you can access our toll-free hotline from anywhere in the world, any time of day.

If you have a current booking you would like to add insurance to, go to My Trips to add insurance options to your booking.

If you have not yet made a booking, you will be offered the option to add insurance before you confirm the booking.

Q. What is the pre-existing condition waiver and how can I qualify?
A. For plans that include the pre-existing condition waiver, if insurance is purchased within the timeframe specified in the Description of Coverage, the Pre-Existing Medical Condition Exclusion will be waived. This is applicable to all coverages contained in the policy. You must be medically able to travel when you pay your premium. In the event a claim is filed, the injury or illness must be substantiated to our Claims Department.

Q. Does everyone need to purchase the insurance?
A. Our policies are per booking, not per person. Travel insurance will cover any passengers in the booking.

Q. Are there co-payments or deductibles with your plan?
A. There is a $250 deductible with the Car Rental Collision Coverage Plan.

Q. What do these plans cover for cancellation?
A. For plans that include Trip Cancellation, coverage is included if you have an unforeseen sickness, injury or death of yourself, a family member, travelling companion, or business partner. Coverage is also included for inclement weather, principal residence being made uninhabitable, unforeseen labor strikes affecting public transportation, and unforeseen traffic accidents.

Q. Can you cancel your trip for any reason?
A. Only certain unforeseen circumstances would be covered. A list of these circumstances is included in the Description of Coverage.

Q. What happens if someone not travelling becomes ill or passes away. Is this covered?
A. An illness of a family member not travelling with you would be covered, however, the same pre-existing clause would apply. The definition of a family member is included in the Description of Coverage.

Q. Will Travel Guard Assist track my baggage if it is lost? And if so, for how long?
A. If your baggage is lost while you are covered under the policy we do track your baggage for one full year if it is not found.

Q. How do I file a claim?
A. To file a claim, you can call Travel Guard between the hours of 7:00 a.m. to 7:00 p.m. Central time and start your claim on line. One of our claims analysts will go through and fill out the claim form for you and explain what needs to be provided in order to pay your claim. The form will then be faxed or mailed to you to provide that information.

Q. What if I want a refund of the plan cost?
A. Travel Guard is committed to providing products and services that exceed your expectations. If you are not completely satisfied, you can receive a refund. Request must be submitted to Travel Guard in writing within three days of the receipt of your policy, providing it is not past your original departure date.

If you have a current booking you would like to add insurance to, go to My Trips to add insurance options to your booking.

If you have not yet made a booking, you will be offered the option to add insurance before you confirm the booking.

International Air Plan

• Trip Cost
• Trip Cancellation
  • 125% of Trip Cost
• Trip Interruption
  • $ 500 Trip Delay ($100 maximum per day)
  • $ 500 Missed Connection
  • $ 750 Baggage & Personal Effects
  • $ 100 Baggage Delay
• $10,000 Medical Expense
• $20,000 Emergency Medical Transportation
• $25,000 Accidental Death & Dismemberment
• Included Travel Guard Assist
• Included LiveTravel

Vacations & Cruises Plan

• Trip Cost
• Trip Cancellation
  • 125% of Trip Cost
• Trip Interruption
  • $ 500 Trip Delay ($100 maximum per day)
  • $ 500 Missed Connection
  • $ 1000 Baggage & Personal Effects
  • $ 100 Baggage Delay
• $20,000 Medical Expense
• $50,000 Emergency Medical Transportation
• $25,000 Accidental Death & Dismemberment
• Included Travel Guard Assist
• Included LiveTravel

The Vacation and Cruises Plan cannot be purchased online. Please contact a Customer Service agent at 800-243-2724.

Domestic Air Plan

• Trip Cost
• Trip Cancellation
  • 125% of Trip Cost
• Trip Interruption
  • $ 500 Trip Delay ($100 maximum per day)
  • $ 500 Missed Connection
  • $ 500 Baggage & Travel Documents
  • $ 100 Baggage Delay
• $25,000 Accidental Death & Dismemberment
• Included Travel Guard Assist
• Included LiveTravel

Plan Cost: 4.5% of Ticket Cost (Minimum Premium: $14.00 per person)

Car Rental Collision Coverage

• $25,000 Car Rental Collision Coverage

Plan Cost: $8.00 per day per car (Subject to $250 deductible)

The Car Rental Collision Coverage cannot be purchased online. Please contact a Customer Service agent at 800-243-2724.

If you have a current booking you would like to add insurance to, go to My Trips to add insurance options to your booking.

If you have not yet made a booking, you will be offered the option to add insurance before you confirm the booking.