Editor Review of Travel Guard
The Good: Travel Guard insurance 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 coverage is 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 insurance also has enhanced travel emergency assistance services that include travel medical assistance, concierge services, identity theft services, and more.
Company Information
Company Name | |
|---|---|
| US Travel Insurance Association Member | Yes |
| Refund Policy | 15-day Free Look Period |
| Travel Insurance Plans | Package plans Platinum Gold - most popular plan Silver My Travel Guard Basic Business Traveler Travel Medical plans Travel Rite Annual Medical Evacuation plans MedEvac Travel Accident plans Flight Guard Specialty Plans Car rental collision |
| Company Contact Information | Travel Guard 3300 Business Park Drive Stevens Point, WI 54482 1-800-826-4919 webmaster@travelguard.com |
| Policyholder Questions | 1-800-826-1300 or 1-715-345-0505 (collect) |
| Travel Assistance/Emergencies | Inside US/Canada: 1-800-826-1300 (toll free) Outside US/Canada: call operator & connect to 1-715-345-0505 (no charge) |
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.
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 Plans
- 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.
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.
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.
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.
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.
Screenshot from the Travel Guard website
