Snag a last-minute travel deal? Travel Guard has a great plan for that

August 9, 2011 By Leave a Comment

travelguard-pack-n-goYou’ve been working all summer and watching the travel notices every week – hoping for a last-chance summer vacation. Finally, the deal that works for you comes through and you snap it up. A perfect late-summer getaway.

Yes, you are packing to leave immediately, but even last-minute travelers need the essential protections provided by a travel insurance plan and you can have them too! Here are some of the coverages you may find useful:

If you think travel insurance plans are only for those vacations planned months in advance, you’re wrong. Travel Guard has a plan that’s perfect for these spontaneous trips – the Pack ‘N Go plan. It includes all the essentials necessary to keep you safe, and none of the stuff you don’t need – like trip cancellation coverage, because you’re getting on the plane in less than 30 hours!

A few details about this plan:

  • Pack ‘N Go can be purchased anytime before you depart.
  • The list of covered reasons provide adequate coverage for that impromptu getaway.
  • Missed connection and travel delay time frames are short and will help you get to your destination.
  • Plenty of evacuation coverage (just in case) and a good amount of medical coverage too.

With Travel Guard’s unique travel assistance services, you’ll also have emergency travel help if you need it. Read the full Pack ‘N Go plan details here.

This is only a brief description of the coverage(s) available.

The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, New York, NY 10038. 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.

Travel Guard provides adventure travel insurance for golfers, sportsmen, and other adventure activities

July 17, 2008 By Leave a Comment

adventure travel insurance

Summertime is a very popular travel season, especially for golfers, sportsmen, and other adventure travelers. Many travel insurance plans have exclusions for loss of equipment and other risks associated with adventure travel, so Travel Guard has designed 3 different adventure travel insurance plans to cover those needs.

Tee, Tour, & Travel
This is a package plan that is perfect for travelers who love golfing. The plan includes standard travel insurance coverage such as trip cancellation, interruption, delay, and medical expenses; but it also includes coverage specially included for golfers, including:

  • Lost, stolen, or damaged golf equipment
  • Non-refundable golf fees if course is closed for bad weather
  • Delayed golf equipment (purchase of essential items)

Travel Guard’s Golf Travel Plan features coverage for your lost, stolen or damaged golf equipment. Many standard travel insurance plans exclude coverage for this type of equipment, but golfers understand they have a lot of money invested in their gear. With this plan you are covered for $2,500 worth of lost, stolen, or damaged golf equipment.

Tee, Tour, & Travel also covers non-refundable golf fees if the course is closed within 24 hours due to inclement weather. The covered fees include green fees, cart fees, and caddy fees that are lost due to a trip being canceled for a covered reason.

Furthermore, the plan includes $750 worth of coverage allowing you to purchase necessary items if your golf equipment is delayed for more than 12 hours. So, if you arrive on a Saturday and are still waiting for your lost gear on Sunday, you would have coverage for purchasing necessary items like a bag of rental clubs, accessories, etc.

Sportsman’s Travel Protection Plan
The is a highly customized package from Travel Guard made that is ideal for travelers who love hunting and fishing. Similar to the Golf Plan above, the Sportsman’s plan includes  comprehensive travel insurance coverages like trip cancellation, interruption and delay, and medical expenses, but this plan also features coverage specific to outdoor sports enthusiasts such as:

  • Lost, stolen, or damaged sportsman’s equipment
  • Refund for a hunting or fishing license if your trip is canceled for a covered reason
  • Additional expenses caused by delayed baggage
  • Government closures of game reserves or hunting bans

Much like the Tee, Tour, & Travel above, this plan provides $2,500 of coverage for your sporting equipment if it is lost, stolen, or damaged. You have a good amount of money invested in your outdoor gear, you want to be able to protect it.

The plan also covers the cost of lost non-refundable fishing/hunting licenses if the trip is canceled for a covered reason. This is akin to the Tee, Tour, & Travel coverage for green fees, etc.

Again, like the Tee, Tour, & Travel plan, the Sportsman’s Travel Protection Plan provides coverage for the purchase of necessary equipment if your bags are delayed (more than 12 hours). So, if your equipment is delayed more than 12 hours, you would have $750 worth of coverage to purchase necessary items.

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Adventure Travel Protection Plan
This plan is ideal for the traveler looking for an extreme adventure anywhere in the world. This plan is designed with comprehensive travel insurance coverages such as trip cancellation, interruption and delay; medical expense and evacuation plus additional coverages unique to the thrill-seeking traveler. Think of it as an extreme sports travel insurance plan.

The plan is similar to the Tee, Tour, & Travel and the Sportsman’s Travel Protection Plan in that it provides coverage for lost fees, lost/stolen/damaged baggage, and delayed baggage essential item purchase.

The plan is unique in that it provides coverage for many adventure sports activities, from hang-gliding in Mexico to Colorado hiking travel, that are typically excluded in most travel insurance plans, such as:

  • Adventure Travel Insurance
  • Mountaineering
  • Aviation
  • Hang-gliding
  • Skydiving
  • Parachuting
  • and Bungee-jumping

Here is a chart showing the standard package plan coverages for the Travel Guard Adventure Travel Insurance Plans:

Product Tee, Tour, & Travel
More Info		 Sportsman’s Travel Protection Plan
More Info		 Adventure Travel Protection Plan
More Info
Trip Cancellation
Cancel for Any Reason
Cancel for work Reason
Trip Interruption 150% of trip cost 150% of trip cost 150% of trip cost
Trip Interruption Return Air Only $750 or 150% of Trip Cost $750 or 150% of Trip Cost $750 or 150% of Trip Cost
Coverage for Sickness, injury or death of an Immediate Family Member or Traveling companion
Offers PreExisting Condition Waiver*
Coverage for Financial Default*
Coverage for Terrorism*
Coverage for Unannouced Strike
Coverage for Inclement Weather
Coverage if home is uninhabitable by fire or weather
Coverage for military duty
Kids free
Travel Delay $1,500 $1,500 $1,500
Missed Connection $250 $250 $250
Deductible
Emergency Medical Transportation $500,000 $500,000 $500,000
Optional Umbrella Package
Credit Card Protected
Baggage Delay $750 $750 $750
Accidental Death and Dismemberment Optional Optional Optional
Extra Coverage Optional Optional Optional
Flight Accident Coverage Optional Optional Optional
Car Rental Collision Coverage Optional Optional Optional
Travel Medical Assistance
Emergency Travel Assistance
Worldwide Travel Assistance
Concierge Services
Business Assistant Services optional optional optional
Roadside Assistance
Coverage for Termination of Employment of Layoff
Coverage for Felonious Assault
Coverage for Traffic Accidents
Fee Refund
Golf Course Closure
Coverage for Government Restrictions or Bans on Hunting Activities

Discover the money-back guarantee of travel insurance

February 7, 2007 By 1 Comment

Travel insurance policies include something called a “free-look” period

Most travel insurance policies include something called “free-look” period, which gives you a certain amount of time to return the policy for a refund. This allows travelers to purchase the plan they like, and spend some additional time reading through it and finalizing their decision.

Most free-look periods are between 10-15 days

Most policies offer a free-look period of between 10-15 days. This means you can buy the policy, return it for any reason (within that time), and receive a premium refund. There may be some small administration fees, but they are usually only $3-$5, and it is well worth the peace of mind knowing you can take your time reading through the coverage.

There are a few conditions of using a free-look refund

If you return the policy for a refund within the free-look period, you will receive that refund pending the following conditions:

  • you must return the policy prior to departure
  • you have not made any claims on the policy

Compare quotes for travel insurance using a comparison site

Several sites let travelers compare quotes for all different travel insurance policies at the same time, just like Expedia.com lets you compare airfares (see How to Compare Quotes with a Travel Insurance Comparison Site)

Lost luggage complaints are highest in over a decade, discover what you can do about it

February 2, 2007 By 4 Comments

Worst year for lost, delayed, and damaged luggage since 1991

According to the DOT (Dept. of Transportation), complaints about lost, delayed and damaged luggage are at an all time high. In fact, figures released recently by the DOT indicate that 2006 is on course to be the worst year for lost and mishandled baggage since 1991.

Travelers blame airline restrictions for increase in baggage problems

After 9/11 it was small fingernail clippers and razors, and in the past year we have added liquids and gels to the list. These carry-on restrictions force travelers to check more bags than they have in the past, and this increase in checked bags has resulted in more problems.

Travel insurance plans include coverage for lost, stolen, damaged, or delayed baggage

The most popular type of travel insurance is called a package plan, or sometimes a comprehensive plan. This type of travel insurance is perfect for most travelers because it provides a wide variety of benefits, including baggage coverage.

(see How to Compare Quotes with a Travel Insurance Comparison Site)

How to make sure you’re covered while skiing

January 29, 2007 By 1 Comment

Most package plans will cover recreational skiing

If your winter vacation includes some skiing, you probably want some insurance to cover potential injuries. Luckily, most general package plans include coverage for recreational activities such as skiing. These comprehensive plans, also called package plans, generally include coverage for trip cancellation, lost baggage, medical emergencies, and medical evacuation.

screenshot_3.pngMedical expense and emergency evacuation coverage is important

Even though the other benefits are important while taking a trip, the really important coverage is the medical expense and evacuation. These are the costs that can get very high, and paying out-of-pocket could be catastrophic. Medical expenses can run in the 10′s of thousands, and e required evacuation could easily cost over $100,000. Without the right insurance coverage, you could be required to pay this yourself.

Check the policy certificate for any exclusions

The important thing os to check your coverage carefully. Read the certificate and check the “exclusions” section to see if they have ruled out skiing accidents. In general, as long you are not taking part in professional skiing or racing, winter activities are covered.

If you have further questions, ask a professional

If you are not sure about a certain policy, the best thing to do is ask a professional. The easiest way to do this is using a comparison site, because they can answer questions about several companies’ policies at the same time, instead of making you call around and deal with each company.

Here’s what to do:

  1. Go to a comparison site (see How to Compare Quotes with a Travel Insurance Comparison Site)
  2. Enter your trip details and get instant policy quotes
  3. Read a little about each policy to find out if skiing is covered
  4. Call the comparison site’s toll-free number, they can answer questions about all products

Travel Insurance Review- TraveLite from Travelex

January 20, 2007 By Leave a Comment

Travelex is a full service financial company for international travelers

Travelex is know for their international traveler financial services such as currency exchanges, travelers cheques, transfers, and travel insurance. They have actual locations throughout the world, which helps their visibility and trust level. In regards of 1-stop shopping, it is hard to beat Travelex for international financial needs.

TraveLite is a comprehensive plan for everyday travelers

Travelex has a couple basic plans with several upgrade options. TraveLite is the most basic, providing $50,000 in emergency medical coverage.

As with most comprehensive plans, Travelex’s TraveLite includes coverage for:

  • trip cancellation
  • trip interruption
  • travel delay
  • baggage loss and delay
  • medical expense/emergency assistance
  • emergency medical evacuation

TraveLite also includes the new JournEase program benefits

The JournEase program, included with both TraveLite and Travel Plus plans, is a benefit package that includes extra coverage. These are unique coverages, and provide extra value. They include:

  • Event Ticket Secure- Reimburses you for unused event tickets to theatrical, concert and sporting events purchased while on your trip that you are unable to use due to a covered reason within the JournEase Program Guide.
  • Identity Secure- Provides a vast array of assistance services and covers many of the expenses you incur to restore your identity.
  • Medicalsummary.com- Secure Internet-based health information service.

Online quotes and purchasing made easy

You can get quotes for Travelex products at travelex-insurance.com, and read more about the benefits.

Using a comparison site to shop around is smart (see How to Compare Quotes with a Travel Insurance Comparison Site)

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