Protect Assist (Gold) 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, according to Travel Guard it is their most popular package plan.
Overview of Protect Assist (Gold) from Travel Guard:
- Provides $25,000 of emergency medical and accident coverage
- $1,000 coverage for lost, stolen, or damaged baggage
- Medical evacuation coverage of $500,000
- Toll-free, 24/7 emergency assistance and concierge advice from anywhere in the world
The Travel Guard ProtectAssist (Gold) insurance plan is ideal for travelers and families seeking comprehensive secondary coverage. Children 17 years and under are covered at no additional cost. This comprehensive plan provides excellent coverage including the optional ‘Cancel for any Reason’ and ‘Cancel for any Work Reason’ coverage.
It includes some commonly expected options, such as trip cancellation, trip interruption, travel delays, accident and sickness medical expenses, baggage and personal effects, flight accidents, and more. Some of the unique options include coverage for terrorism, unannounced strikes, inclement weather, inhabitable homes, military deployments, lost or stolen travel documents and credit cards, and baggage tracking. Travel medical assistance, emergency travel assistance, concierge services, and identity theft restoration services are all 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 is the coverage with Protect Assist (Gold)?
Pre-departure trip cancellation
This coverage provides reimbursement for non-refundable trip payments and deposits if you must cancel your trip before it starts. This plan provides trip cancellation coverage up to a maximum of $100,000.
Post-departure trip interruption
This coverage provides reimbursement for non-refundable costs or deposits related to your trip if it is interrupted after it starts. This plan provides trip interruption coverage up to 150% of your trip cost. You can also purchase the trip interruption ‘Return Air Only’ policy feature covering up to $750.
Emergency Medical Transportation/Evacuation
This coverage provides reimbursement for the cost to transport you or other covered members of your party to a medical facility to receive care. This coverage provides up to $500,000.
Trip Delay
This coverage provides reimbursement for reasonable additional expenses until travel can continue if it is delayed more than the defined number of hours in the policy, which in this case is 5 hours. Coverage is limited to $150/per day ($750 maximum). Expenses must be accompanied by receipts.
Missed Connection
This coverage provides reimbursement for the cancellation or delay of scheduled airline flights in the case of inclement weather or common carrier causes. Coverage is limited to $250.
Accident and sickness medical expenses
This coverage provides emergency medical coverage if you become ill or are injured while traveling and need medical attention. This plan provides up to $25,000 in coverage.
Baggage Delay
This coverage provides reimbursement for essential items related to your trip if your luggage is delayed more than the defined number of hours in the policy, which in this case is 24 hours. This coverage provides up to $300 for interim expenses.
Baggage and personal effects
This coverage provides reimbursement for lost, stolen, or damaged baggage and personal effects up to $1,000 including protection against unlawful use of credit cards and lost travel documents. Baggage tracking services are also included in this coverage.
Accidental death and dismemberment not to exceed the principal sum for all losses due to the same accident.
Optional coverage includes:
“Cancel for any reason” benefit which covers up to 50% of pre-paid, forfeited, or non refundable payments and deposits for the insured trip. This coverage requires cancellation not less than 48 hour prior to departure date.
“Cancel for any work reason” benefit which extends 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.
Umbrella package which increases coverage to includes double medical benefits, an additional $250 in missed connection coverage, transportation home in the event of an emergency medical condition, and a detailed pre-trip advisory.
Flight accident coverage which 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.
Car Rental Collision coverage which pays for damage due to collision, vandalism, windstorm, fire, hail or flood while in the insured’s possession. The insured will pay the lesser of the benefit up to a maximum of $250 deductible for the cost of repairs and charges imposed by the rental company not to exceed $35,000.
Business assistant services are available to help with your business obligations 24 hours a day, anywhere in the world.
Coverage limitations:
Coverage for adventure sports activities is not 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.
