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Travel Guard – Silver

Editor Review

travelguard-silverThe Good: One child under 17 per insured adult is covered at no additional cost. Plan includes most of the expected travel insurance benefits and a number of useful assistance services.

The Drawbacks: This plan’s medical coverage is relatively low when compared to other plans. While coverage can be purchased up to 24 hours prior to departure, financial default coverage requires an earlier purchase. Pre-existing condition coverage is capped at $15,000. This plan has a few deductibles.

The Bottom Line: is a good travel insurance plan – especially for families traveling with children – from a reliable travel insurance company. The plan is perfect for insuring trip costs while keeping an eye on the budget.

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.
Coverage
Benefits Maximum
Trip cancellation 100% (maximum trip cost $100,000)
Trip interruption 100% or $500 return air only *
Travel delays (12 hours or more) $100 per day/$500 maximum
Medical expenses $15,000 ($50 deductible)
Emergency evacuations $150,000
Baggage loss $750 ($50 deductible)
Baggage delay (24 hours or more) $200
24/7 assistance services ** Yes

* Trip interruption and return air only coverage cannot be combined.

** Non insurance assistance services provided by Travel Guard.

Plan Details

This plan is unique in that it provides the following:

  • Financial default of a cruise line, airline, or tour operator is covered if you purchase this plan within 15 days of the initial trip deposit.
  • Coverage for cancellation or interruption due to a pre-existing condition is covered (conditions apply) if plan is purchased within 15 days of the initial trip deposit.
  • Flight accident AD&D ($25,000) is included (added to any additional flight guard purchased) when plan is purchased within 15 days of initial trip deposit.
  • One child under 17 per insured adult covered at no additional cost.
  • Concierge services, travel medical services, and personal assistance services provided by Travel Guard.

Optional Coverage

The following optional coverage is available when you purchase this plan:

  • Optional flight guard AD&D up to $500,000.
  • Optional car rental coverage up to $35,000 (not available to residents of Texas and Kansas).
  • Evacuation upgrade doubles the emergency evacuation benefit.

Limitations

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

  • No coverage for missed connections.
  • Pre-existing condition coverage is limited to $15,000.
  • No AD&D in the base plan and medical coverage is relatively low.
  • Trip interruption is just 100% as opposed to 150%.
  • No ‘cancel for any reason’ upgrade available.
This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions, and termination provisions. Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states. 

Related Travel Guard Plans


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.