Review of Pack 'N Go from Travel Guard | Travel Insurance Review

Editor Review

The Good: Specifically designed for last-minute travelers who won’t be in a position to cancel their trip, but still want essential travel protections while on their trip.

The Drawbacks: This plan does not have coverage for pre-existing conditions, AD&D, or rental cars.

The Bottom Line: Ideal for travelers who won’t have to cancel their trip, this plan still provides the insurance protections necessary for immediate travel, including coverage for unexpected trip interruptions, missed connections, travel delays, lost baggage, and more.

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Coverage

Benefits	Maximum
Trip interruption	$1,000
Missed connections (3 hours or more)	$500
Travel delays (6 hours or more)	$200 per day/$1,000 maximum
Medical expenses	$25,000
Emergency evacuations	$300,000
Baggage loss	$1,000
Baggage delay (24 hours or more)	$200
24/7 assistance services	Yes

Plan Details

This plan is unique in that it provides the following:

The covered reasons for unexpected trip interruptions include natural disasters, injuries and illness, revoked leave, automobile accidents en route, and more.
Plan includes Travel Guard’s comprehensive assistance services for travel medical emergency, travel emergencies, and concierge services.
The policy limit for emergency evacuations and repatriation is relatively high and should be adequate for a traveler’s needs.

Limitations

The following are the limitations on this plan’s coverage:

No AD&D protection.
No car rental collision coverage.
No medical coverage for recurring pre-existing conditions (60-day look-back period).
Baggage delay time frame is relatively long when compared to other plans.