Travel Guard Insurance

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Editor Review Editor Rating: The Good: Travel Guard plans automatically include a comprehensive list of non travel insurance services (pre-trip health and safety advisories, golf course reservations, hotel and rental car reservations, and more) that are provided by Travel Guard, not a third-party company. Travel Guard offers a high number of travel insurance plans, including package plans, travel medical plans, medical evacuation, and travel accident plans, to fit many traveler types. Plus, optional coverages are available to customize most plans to your needs. The Drawbacks: The high number of plans may make choosing difficult. Not all plans are available to residents of all U.S. States due to local regulations. The Bottom Line: Travel Guard has over 20 years industry experience and is a strong leader in the travel insurance industry. They offer a high number of plans to choose from, including single trip and annual plans plus travel medical plans. Travel Guard also has enhanced travel emergency assistance services that include travel medical assistance, concierge services, identity theft services, and more. Quote and buy direct: Get a quote directly at the Travel Guard website. A good choice if you know you want a Travel Guard plan and are ready to enroll.

Company Information

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. Many work reasons, such as layoffs, required to work, direct involvement in a merger or product recall, business rendered unable to open due to burglary or natural disaster, revoked leave (civil and military), are covered reasons for trip cancellation in many (but not all) Travel Guard plans.

When certain plans are purchased within 15 days of your initial trip deposit, they include the popular pre-existing condition waiver, flight guard AD&D, and financial default for common carriers. Some Travel Guard plans have shorter look-back periods – 90 days – as opposed to the typical 180 days.

While Travel Guard has a plan for just about every type of traveler, several plans are designed for specific types of travelers: golf travelers, adventure travelers, and sports travelers. These plans offer benefits not found in other plans. For example, Travel Guard’s Tee, Tour, and Travel plan is designed with the golf enthusiast in mind. It provides reimbursement for a ‘hole-in-one’ celebration, reimbursement for non refundable fees such as greens fees, caddy fees, etc. if you have to cancel or if the course is closed due to inclement weather.

Travel Guard package plans do not typically have age restrictions, although some coverage limits within the plans are reduced for travelers over age 70.

Optional Coverage Available in Travel Guard Plans

• Flight guard AD&D
• 24-hour AD&D
• Car rental collision coverage
• ‘Cancel for any reason’ when purchased within 15 days of initial trip deposit
• ‘Cancel for work reasons’ when purchased within 15 days of initial trip deposit
• Additional medical coverage (includes hospital of choice) that waives the deductible (if applied) and increases the plan limits
• Additional baggage coverage for sports equipment
• Upgrade for adventure sports coverage

Highlights of Travel Guard Insurance

• Travel Guard plans come with enhanced travel assistance services that are unique in the industry and managed by Travel Guard, not a third-party company
• Travel Guard package plans include trip cancellation for common work reasons, such as termination, required to work, leave revoked, military deployments, and more.
• Medical evacuations to the hospital of your choice included in many plans.
• Several plans provide coverage for children up to age 17 at no additional cost.

Quote and buy direct: Get a quote directly at the Travel Guard website. A good choice if you know you want a Travel Guard plan and are ready to enroll.

Travel Guard Travel Insurance Plans

Package Plans

Platinum
Designed for travelers who want comprehensive coverage and high maximum limits
This plan includes cancellation for common work reasons (job loss, required to work) in the base plan. This plan has no deductibles or copayments. Optional coverage is available for pre-existing medical conditions and travel supplier default (purchase within 15 days). Primary medical and baggage coverage is included if purchased within 15 days. ‘Cancel for any reason’ upgrade available as well.

Gold – most popular plan
Comprehensive travel coverage and kids under 17 are covered at no additional charge
This plan includes cancellation for common work reasons. Children under 17 who are related to and traveling with the primary insured, are covered at no additional cost. Plan comes with a range of assistance services. A number of optional coverages – ‘cancel for any reason’, flight guard, car rental coverage, emergency evacuation upgrade – can enhance this excellent travel insurance plan.

Silver
Excellent budget-minded trip cancellation plan, perfect for adults traveling with children
This plan includes standard travel insurance coverage, including cancellation, interruption, travel delays and baggage losses. The medical coverage limits are relatively low. One child under 17 per insured adult is covered at no additional charge. This plan comes with multiple assistance services and a few optional coverages.

My Travel Guard
Great travel insurance plan with loads of customizable options to make it your own
This plan offers coverage for all the expected things: cancellations, interruptions, delays, lost luggage, medical and evacuations without a lot of extras in the base plan. Several optional upgrades, however, make it easy to customize this plan for your trip without paying for a lot of coverage you don’t need.

Savvy Traveler
A reasonably priced package plan for frugal travelers who want coverage for common risks
This plan offers the basics – cancellation, interruption, delays, medical, evacuation, and baggage – for travelers who want basic coverage but don’t want to pay for a lot of extras they won’t need. No optional upgrades are available with this plan.

Basic
A budget plan for essential travel insurance protection – great for students and families
This plan provides essential travel coverage – cancellations, interruptions, delays, medical, evacuation, and baggage – and optional coverages fill in the gaps.

Pack ‘N Go
Ideal for the last-minute traveler who won’t cancel but needs coverage for other travel risks
This plan can be purchased anytime before your departure and it covers interruptions, missed connections, delays, baggage, medical and evacuation coverage. The covered reasons for unexpected trip interruptions is broad and should adequately cover losses for that impromptu getaway.

Tee, Tour, and Travel
A specialized package designed for the golf traveler – plus kids are free
This custom plan is ideal for travelers who love golf. It covers children under 17 at no additional cost and has high baggage limits to cover checked golf equipment. Additional reimbursement for non refundable golf course fees when a course is closed due to inclement weather or you have to cancel your trip for a covered reason. Assistance services will also help travelers locate and reserve tee times.

Sportsman’s Travel Protection
A plan customized for sports enthusiasts who love to hunt and fish in the great outdoors
This plan is customized to meet the needs of sports enthusiasts, including license fee refund and access to specialized travel assistance services for weather reports, licensing, local equipment suppliers, and more. Upgrade for additional equipment coverage available.

Adventure Travel Protection
Ideal for the thrill-seekers, this plan is for hang gliders, bungee jumpers, scuba divers, and other adventure travelers
Most travel insurance plans specifically exclude adventure activities, but this plan is customized to handle the needs of this type of traveler. It provides all the typical coverages at adequate levels and offers optional upgrades for additional medical and equipment coverage.

Business Traveler
Specifically for the business traveler, this is annual travel insurance for all the trips in a year
This package plan is designed specifically for the typical road warrior – the business traveler who takes multiple trips throughout the year. It ensures that emergency medical and evacuations – including security evacuations – are handled while providing missed connection coverage, baggage coverage, AD&D, and business assistance services as well.

Travel Medical Plans

Travel Rite Annual
An annual travel medical plan designed for frequent travelers with some package-like benefits
This basic travel medical plan covers the insured for multiple trips throughout the year and includes some package-like benefits for cancellations, interruptions, baggage delays, and more.

Worldwide Health International
Worldwide travel medical coverage for non U.S. travel – available for non U.S. citizens too
Exclusively a travel medical plan, this plan provides coverage for emergency medical care and evacuations. Offered in a range of coverage limits, you get to choose how much coverage you need.

Medical Evacuation Plans

MedEvac
Essential coverage when you need medical care or emergency transportation fast
Available to individuals and families on a per-trip or annual basis, this plan provides emergency medical evacuations along with medical care for injuries and illnesses that occur during a covered trip. Coverage for one child up to age 17 for each covered adult included at no additional cost. Non medical political evacuations are also covered, and the insured can choose to add optional coverage for adventure activities and baggage protection.

Travel Accident Plans

Flight Guard
Term life and accidental dismemberment benefits for you and your family
A highly specific plan focused entirely on AD&D, this plan delivers solid term life and accidental dismemberment benefits to you or your beneficiaries regardless of any other life insurance or AD&D protection.

Specialty Plans

Car rental collision
An affordable alternative to insurance from the rental agency
This plan provides comprehensive coverage for cars rented on your trip. This coverage also pays for loss-of-use charges commonly imposed by the car rental companies while a rental car is being repaired. Choose your coverage limits and save a bundle at the rental counter.

Quote and buy direct: Get a quote directly at the Travel Guard website. A good choice if you know you want a Travel Guard plan and are ready to enroll.

Screenshots from the Travel Guard website

Quote and buy direct: Get a quote directly at the Travel Guard website. A good choice if you know you want a Travel Guard plan and are ready to enroll.