My TravelGuard Review
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This travel insurance plan is perfect for…
- General vacation travelers- Great overall coverage and numerous upgrades to customize your plan. Most of the major coverage areas have selectable amounts of coverage.
- Travelers looking for a very flexible policy- With the variable amounts, travelers can truly make a customized policy for their trip.
Overview of My TravelGuard from Travel Guard:
- Provides flexible amounts of emergency medical and accident coverage; $10,000, $25,000, or $50,000
- variable coverage for lost, stolen, or damaged baggage; $500, $1000, or $1500.
- Medical evacuation coverage of $100,000 or $1,000,000
- Toll-free, 24/7 emergency assistance from anywhere in the world
The My Travelguard insurance plan is Travel Guard’s most customizable travel insurance plan. It is ideal for knowledgeable travelers who want to be assured that their primary travel expenses are covered without a lot of additional expense. Numerous options and upgrades build on the base plan to allow you the exact coverage you desire, including the optional ‘Cancel for Any Reason’ and ‘Cancel for Work Reasons’ coverage.
The My Travelguard insurance plan includes coverage for trip cancellation, trip interruption, travel delays, accident and sickness medical expenses, and baggage and personal effects. Some reasons for cancellation include sickness, injury or death of an insured or family member, unannounced strikes, inclement weather, home being made uninhabitable and military deployments Optional coverage is available for terrorism, financial default and pre-existing medical conditions as well as adventure sports activities. Travel medical assistance and emergency travel assistance are included in this plan
Where to buy this policy:
1. Buy direct from the company- Get a quote and purchase this plan directly from the Travel Guard website here.
2. Compare this plan with other plans- The best way to buy travel insurance is to use a comparison website (similar to using Expedia or Travelocity for airline tickets). There are several, but we recommend a comparison site called Squaremouth.com to get instant quotes and purchase online. Squaremouth.com only works with reputable companies, and you can get instant quotes and purchase instantly online with a credit card.
What coverage is included with My TravelGuard?
Pre-departure Trip Cancellation
This benefit provides reimbursement for non-refundable trip payments and deposits up to a maximum of $100,000 if you must cancel your trip for covered reasons before it starts.
Post-departure Trip Interruption
This benefit provides reimbursement for non-refundable costs or deposits related to your trip if it is interrupted for covered reasons after it starts. This plan provides trip interruption coverage up to 100% of your trip cost. You can also purchase the Trip Interruption ‘Return Air Only’ coverage if you choose not to insure your trip costs.
Emergency Medical Transportation/Evacuation
This benefit provides reimbursement up to $100,000 for the cost to transport you or other covered members of your party to a medical facility to receive care. Upgrade option is available.
Trip Delay
This benefit provides reimbursement up to $100 a day to a maximum of $500 for reasonable additional expenses incurred for meals, lodging, taxi fares and essential phone calls if your trip is delayed for more than 5 hours due to covered reasons. Expenses must be accompanied by receipts.
Accident and Sickness Medical Expenses
This benefit provides emergency medical coverage up to $10,000 if you become ill or are injured while traveling and need medical attention. ($50 deductible applies.) Upgrade option is available.
Baggage Delay
This benefit provides reimbursement up to $100 for essential items related to your trip if your luggage is delayed more than 24 hours. .Upgrade option is available.
Baggage and Personal Effects Loss
This benefit provides reimbursement up to $500, $1,000, or $1,500 for lost, stolen, or damaged baggage and personal effects. including lost travel documents. ($50 deductible applies) Upgrade option is available.
Optional coverage includes:
“Cancel for Any Reason” covers up to 75% of pre-paid, forfeited, or non refundable payments and deposits for the insured trip for reasons not otherwise covered under the plan. This coverage requires cancellation not less than 48 hours prior to departure date.
“Cancel for Work Reasons” provides coverage for those additional unforeseen circumstances when the insured or traveling companion is required to work during the insured trip. This coverage requires demonstrated proof of requirement to work.
Coverage for Terrorism, Financial Default and Prex – Includes coverage for trip cancellations or interruptions that occur due to financial default of a travel supplier or a terrorist incident. Also includes waiver of pre-existing conditions. This is an upgrade available only if purchased within 15 days of the initial trip deposit.
Medical Expense Upgrade coverage can be purchased which waives the $50 deductible and increases the base medical expenses limit from $10,000 to either $25,000 or $50,000. Also includes upgrade to primary coverage meaning covered medical expenses are paid without regard to other insurance or coverage you may have.
“Hospital of Choice” Evac Upgrade increases coverage to $1,000,000 and includes evacuation to the nearest adequate medical facility of your choice.
Flight Guard flight accident coverage pays for the insured’s covered accidental loss of life, hand, foot, or sight which occurs while riding as a passenger on a scheduled flight.
“At Your Service Upgrade” includes concierge services that provide access to a variety of conveniences and services that can simplify and enrich your travel experience. Available 24/7, the Travel Guard representatives can get you into exclusive restaurants, concerts, and other places you want to enjoy as you travel.
Coverage limitations:
This plan requires deductibles unless upgrades are purchased.
Where to buy this policy:
1. Buy direct from the company- Get a quote and purchase this plan directly from the Travel Guard website here.
2. Compare this plan with other plans- The best way to buy travel insurance is to use a comparison website (similar to using Expedia or Travelocity for airline tickets). There are several, but we recommend a comparison site called Squaremouth.com to get instant quotes and purchase online. Squaremouth.com only works with reputable companies, and you can get instant quotes and purchase instantly online with a credit card.
