Travel Guard Insurance
Editor Review The Good: Travel Guard can guarantee payment to a medical facility to ensure your admission; job loss coverage; “Cancel for any reason” coverage available; Platinum plan has a short 60 Look Back period for pre-existing medical conditions; Long 15 day Free Look period; Cancel for work reasons on some plans; Platinum and Gold plan have primary medical coverage; Job loss coverage on all standard plans; Platinum and Gold offer Cancel for Work reasons as part of the base policy. The Drawbacks: Variety of plans can make decision difficult; Some plans unavailable in NY and WA. The Bottom Line: Travel Guard is a leader in the world of travel insurance. They have a plan to fit every need, but deciding between these 18 plans can make some travelers confused. Where to Buy Travel Guard Insurance:Buy Direct from company- Get a quote and purchase directly from the Travel Guard website here. This is a good choice if you have decided on Travel Guard, and are ready to purchase. |
| Company Name |
Travel Guard |
| Website |
http://www.travelguard.com |
| AM Best Rating |
A |
| US Travel Insurance Association Member |
Yes |
| Refund Policy |
15 Day Free Look |
| 24/7 Emergency Assistance |
Yes |
| Plans offered by Travel Guard Travel Insurance |
Packages
Platinum (Cruise, Tour & Travel) Sportsman’s Travel Protection Plan Adventure Travel Protection Plan Medical Medevac Per Trip Plan-Individual Specialized Flight Guard |
| Address/Phone/Fax/Email |
Travel Guard 1145 Clark Street Stevens Point, WI 54481 1-800-826-4919 webmaster@travelguard.com |
| Policyholder Questions | 1-800-826-1300 or 1-715-345-0505 (collect) |
| Travel Assistance/Emergencies |
1-800-826-1300 or 1-715-345-0505 (collect) |
More about Travel Guard Insurance
Travel Guard, an industry leader of travel insurance plans, offers a range of travel insurance plans designed to cover U.S. and non-U.S. residents on vacations, business seminars, or simple weekend getaways.
Their website describes valuable plans that include medical coverage, trip interruption, emergency medical services, baggage expenses, accident coverage and more. There are customized plans available that are specific to last minute travelers, golfers, sportsman and adventure enthusiasts.
From the Travel Guard website, you can get quotes, information about labor strikes that may affect your travel, and instant international alerts that may affect your coverage. In addition, you can make changes to purchased policies online up to 24 hours prior to departure. A 24-hour emergency travel support line is available to you 7 days a week. In short, their travel insurance is easy to buy and easy to manage.
Travel Guard understands that your vacation can take a year to save for but it can be destroyed in seconds. While you can’t prevent unexpected storms or accidents, you can do something to cover your travel investment.
Travel Guard Travel Insurance Plans
Cruise Insurance Plans
Don’t get left high and dry on your next cruise
These insurance plans cover cruises of all sizes and shapes. They include trip cancellation and interruption, trip delays, emergency medical expenses, baggage expenses, and more. They also include a wide variety of options that often apply for modern travelers and can ensure that your insurance is applicable to your situation.
The Cruise insurance plans are intended to cover individuals, couples, families, and multiple member parties as they travel the world. One of these plans is perfect for those who want to cover their investment and add some extra coverage for those special circumstances that apply to their lives.
Multiple insurance plans are available under this policy type, including:
Single Trip Insurance
The best insurance plan to cover your next trip
The Travel Guard Single Trip insurance plans are some of the most comprehensive plans and useful plan available on the market, covering a wide variety of contingencies and exceptions that apply to modern travelers.
The Single Trip insurance plans are intended to cover individuals, couples, families, and multiple member parties as they travel the world. One of these plans is perfect for those who want to cover their investment and add some extra coverage for those special circumstances that apply to their lives.
Single Trip insurance plans include may include coverage for terrorism, missed connections and delays, inclement weather, uninhabitable homes, military deployments, lost travel documents and credit cards, car accidents – even identity theft. Depending on the plan you choose, various options are available.
Multiple insurance plans are available under this policy type, including:
- Platinum (Cruise, Tour and Travel)
- Tee, Tour and Travel
- Gold (ProtectAssist)
- Savvy Traveler
- My Travelguard
International Insurance
Your best bet when traveling to a new country
The Travel Guard international insurance plans are some of the best in the market for travelers with destinations outside their home country. Each plan covers a wide variety of contingencies and situations that can apply to modern travelers.
The International insurance plans are intended to cover individuals, couples, families and multiple member parties as they explore new countries. One of these plans is perfect for those who want to cover their international travel investment and even add a little extra coverage for those special circumstances that can occur during travel. Coverage lengths can be flexible and should vary according to your travel plans.
International insurance plans can include coverage for terrorism, missed connections and delays, inclement weather, inhabitable homes, military deployments, lost travel documents and credit cards, car accidents – even identity theft. Depending on the plan you choose, various options are available.
Multiple insurance plans are available under this policy type, including:
Student Insurance
You’ve saved your money and made your plans, now keep them safe
The Travel Guard Student insurance plans are some of the best in the market for travelers with destinations outside their home country. Each plan covers a wide variety of contingencies and situations that can apply to student travelers. Whether it’s a week-long trip through the U.S. or a semester spent backpacking abroad, covering your monetary investment is always a wise choice.
Most of the Student insurance plans include basic features intended to cover students as they explore new countries. Coverage lengths are flexible and vary according to your travel plans. A customizable plan lets you pick and choose the optional features you feel are best to apply to your trip according to your concerns.
Multiple insurance plans are available under this policy type, including:
Travel Medical Insurance
Rest assured … your health is covered as you travel
The Travel Guard Medical Travel insurance plans provide that extra assurance sometimes necessary in an unpredictable environment when you are far from your regular doctor and outside the boundaries of your usual medical coverage. These plans allow you to cover a single trip or enroll in annual protection for those who travel often and don’t want to worry about making new commitments with each trip.
These plans provide features, such as medical evacuation to transport you to the nearest hospital and even home, plus medical expenses a sickness or injury that occurs during your trip. A fully customizable plan also lets you pick and choose the features you feel are most useful to cover your health and medical well-being. These plans are targeted to individuals who want to be sure they are covered for medical emergencies when they travel.
The following plans are available under this policy type:
Where to Buy Travel Guard Insurance:
Buy Direct from company- Get a quote and purchase directly from the Travel Guard website here. This is a good choice if you have decided on Travel Guard, and are ready to purchase.
Screenshots from the Travel Guard website
Where to Buy Travel Guard Insurance:
Buy Direct from company- Get a quote and purchase directly from the Travel Guard website here. This is a good choice if you have decided on Travel Guard, and are ready to purchase.
K | Mar 17, 2009
Scum of the earth – use our tax dollars to line your pockets. Thanks AIG Travel Guard!
K | Mar 19, 2009
Let’s see – they pay travel agents 50% commission per policy and AIG reports a fourth quarter $60 BILLION + loss… How can they afford that? Oh! That’s right – with our tax dollars! Classy company…
LH | Apr 2, 2009
We had experience with a person who carried this insurance. They had a dental emergency. The dental office waited EIGHT MONTHS to get paid. The company was contacted many times – they always had an excuse. After giving them one more week and threatening to report them, a check was finally received. Forget them!
res | Apr 16, 2009
Travel Guard came through in the clutch when my mother-in-law developed heart problems when my wife and I were on a cruise in 2005. They got us home, reimbursed us for the unused portion of our trip and totally held our hands through the entire process. I can’t say enough about the assistance and customer service we received from this company.
mark | Apr 29, 2009
They screwed me out of $291.40. I called their rep on the day of cancellation with no help. I filed their claim to all their specifications to have them say that I rescheduled the trip instead of canceling the trip. They paid the $100 reschedule fee but not the increased ticket price. I will never use Travel guard again. They will find a way not to pay a claim.
Mark
LC | May 5, 2009
This is an extremely sleazy company. I will not do business with them again and will tell everyone I know the same!
We purchased insurance on two tickets we bought with 100,000 miles. They screwed us out of all if it, saying that the medical condition I had was pre-existing because I had recently been pregnant. I had been recently pregnant, but I developed some very bad (separate) health problems after losing the pregnancy and after buying the tickets and related insurance.
When the arbitrator finally called me back, she was entirely unsympathetic. I was told I could file an appeal, but SHE would be the one to review it and HER decision is final! Great appeals process.
Like I said, please don’t do business with these people. They are unscrupulous. I wish I had researched them before buying the insurance.
Traveler | May 21, 2009
Very poor service if you make a claim. Excellent service in taking your money! They will give you every excuse in the book on why they are not able to provide service in paying a claim. They are an AIG company, does that tell you anything? Not a company to be trusted. Just like everyone else says…avoid this company!
Anne S | Jun 10, 2009
I had a great experience with them when my husband and I needed a doctor on our trip to Spain. We got into a car accident so I called travel Guard and they hooked us up with a great hospital and one of their reps actually communicated to the doctors in Spanish— taking out a huge stressor for us. We were reimbursed quickly for the medical expenses too… which amounted to $800!
Alexi | Jun 10, 2009
That surprises me. Did you ask for a mgr to talk to. I was supposed to take a safari vacation in Africa and and had to cancel at the last minute b/c my father was in the hospital. They were really helpful. Actually, they sent me a check for my trip In the mail with in a week! $2,000 – I was actually very impressed .
Elizabeth Filliettaz | Jun 13, 2009
Our many thanks to agent Stephanie Burclaw for going to bat for us in a sticky situation with Continental Airlines. After canceling our flight to Florida from Bangor Maine, they offered only a $260.00 refund for tickets that would cost us over $585.00 apiece from Portland, Me. She managed to procured tickets from Portland and a voucher to stay overnight the evening before the flight. She went out of her way to make life a little easier for two grateful seniors!
James Leffler | Jul 27, 2009
Very poor service. I faxed claim six weeks ago and received no response. They do not provide you with a phone number for individual inquiries on claims on the claim forms. Now tell me their fax has not worked for the last couple of weeks and I need to submit everything by mail, and essentially begin the claims process from step one.
Elizabeth Wharton | Sep 12, 2009
I usually use Travel Guard health coverage for international and US travel. I have had good luck with claims in the US. While in Japan however, I became ill and needed to see a doctor. I called Travel Guard to get guidance on where to go, they gave me two options and I chose one. I went to the hospital and was treated by a doctor who spoke English. Keeping all receipts and documents, I went about my business and finally returned home. Filing the claim, submitting all documents was easy. Then the company emailed and sent a letter asking for a document that apparantly was not included. I was now home in the US, had no other documentation, and the paperwork was all in Kanji – Japanese! Though I’ve explained that to the company, twice, they insist that I submit that document. Well, the claim has not been paid and I am switching to another carrier. It was fun while it lasted, Travel Guard, but this is rediculous!
Ron | Sep 17, 2009
We purchased an insurance from Travel guard when we went on cruise to Bahamas.They said they will pay up to 150% if ever we will have problems with our travel. Thats what we thought until my wife got sick and tested positive on flu and suddenly we are confined on our stateroom and make us wore a masked.Anyways we called in travel guard insurance and let them know what happened and they told us not to worry they will take care of us.We are advice to be isolated in Florida for 14 days!! and the cruise line got us a reservation in a hotel with no room service.what are we gonna do?not eating while staying 14 days?so we decided to drove back home and be isolated on our very own home. Again Travel Guard told us not to worry with expense just keep the records and send it with the claim.We filed May 15,2009 and until now September 17,2009 on going process. WE WILL NEVER BUY TRAVEL INSURANCE FROM THEM AGAIN!!!!
Lillian Wigmore | Oct 23, 2009
Is there a lower than a 1. This company sinks. I have faxed and call over 16 times. I just want my $160.00 back from trip. I have filed everyting they have ask got ok form fax but they just want more. My motner died and they want want dr report. ANYONE who buys insurance from them is nuts. I can’t even get someone important to call me back WHAT A COMPANY.
Vincent | Oct 29, 2009
Wow, this is surprising to us. Our family had an excellent experience with Travel Guard. One of our kids came became ill on our trip to Canada last year and we needed to see a doctor… Travel Guard located a local pediatrician who got her the medication she needed. We were supposed to return home on a flight the next day, but at luck would have it, our flight was cancelled! Again, TravelGuard came to the rescue by coordinating new flight arrangements for us and reimbursing us for all of our meal and hotel expenses in the meantime while we waited to get onto our new flight! This company was a lifesaver!
Tojiddin | Nov 5, 2009
I had TravelGuard travel insurance. When I had to cancel my flight due to orders from the military, they sent me the information and processed my claim quickly, and I got the full refund. Quality service.
gb | Nov 14, 2009
Customer service tells you one thing…the company pays much less. I am out about $4K for lost travel and illness that they refuse to pay. More importantly they won’t tell you why. Save your money and take your chances. The only reason I gave them a 1 instead of 0 is because a rating was require.
Jhoantan | Dec 22, 2009
(sorry my english is not very good) I will not buy any insurance with Travel Guard anymore. I’ve just arrived from LGA New York to Dominican Republic, but in my routing SDQ-LGA I had some bottles packed in my checked luggage… everything was a mess ! Firstly the luggage was delayed in Fort Lauderdale because the routing tape was broken and the airline (Spirit) did not know where to send it. (even seeing I taped one stamp with the travel guard policy) Once I arrived, I called travel guard and they told me to call an agency which is a third party this airline use to deliver delayed baggage, all the clothes was dirty because they throw the bag and broke the rum bottles. My luggage arrived the next day at 5 pm in the Bronx, the delivery agent made two mistakes, firstly made a wrong delivery and re picked it and finally sent to me through a second agency… I made some calls but seems to be avoiding their responsability. Deeply I know my fault is big, but I should have had a better treat.
Donna | Jan 1, 2010
Dont waste your money.After six months of emails, phone calls and faxes still denied claim for missing our original flight from Atlanta due to delays in customs and security. Had to be picked up at another airport another state. Would not cover for service to pick us up of $200. We still had to pick up our luggage at orginal destination airport the following day..Save your money..just a money making scam.
sylvia | Jan 6, 2010
I used Travel Gaurd insurance when I had to get off a cruise ship in Hawaii. I was told that my return flight home and the missed days on the cruise would be covered. I was misinformed and Travel Gaurd would not stand behind their customer service representative who gave me this information (even thought their calls are recorded and there is a record of this call). In the end I am out $800. What a scam. I will never ever use this service. If you want to keep your money DON’T purchase insurance from Travel Gaurd. There are many options to choose from check out the competition – it can’t be any worse than this!
jeff gordinier | Jan 31, 2010
These shysters refused to cover a cancelled trip to visit a dying friend. When her doctor found out I was having an attack of shingles he said I could not see her. Travel Guard said “Too Bad”. I wouldn’t use these jerks to walk my dog. I informed them I would take them to small claims court and they laughed.
Cynthia C. | Feb 9, 2010
Jan, 2010, we inadvertantly left one of our mission supply bags @ the Manila, PH airport, not discovering it until 4 days later. Contacted TravelGuard agent in the U.S. Arrived Manila airport for return trip several days later, first airport person I saw, and inquired re: location of their unclaimed luggage area. They responded with 2 words, that of the name of the bag I was looking for. Bag retrieved, and supplies not lost. Great job, Travel Guard people!
leanne | Feb 20, 2010
They were fast to respond when our flight was canceled due to weather.
Macy | Feb 22, 2010
IF YOU PEOPLE HAVE PROBLEMS, GET A LAWYER! YOU CAN TAKE THEM TO SMALL CLAIMS COURT FOR ONLY $35, AND YOU WILL WIN!!!!!!!!!!!