Trip cancellations due to illness or injury.
Unexpected illness, injury, or even death of yourself, a family member, or a travel buddy might ruin your trip before it gets underway. Travel Guard provides Trip Cancellation coverage for paid, non-refundable travel expenses, including flights, lodging, and tours. Review your particular plan documents for covered causes, benefit restrictions, and necessary paperwork, including a physician's statement.
Trip interruptions for covered reasons.
Travel Guard's Trip Interruption coverage can reimburse the unused portion of your trip expenses, like trip cancellation. It may even cover extra transportation costs to get you home should an unanticipated covered event like a sudden illness or natural disaster cause you to shorten your trip. The plan you select will affect the particular covered reasons and benefit limits.
Medical emergencies while travelling.
Travel Guard provides Travel Medical Expense coverage should you suddenly get sick or injured on vacation. This can help pay for medical expenses, including doctor visits, hospital stays, and emergency travel. Particularly about pre-existing conditions, this coverage is not a replacement for basic health insurance and may contain restrictions and exclusions. Pre-existing condition exclusions can often be waived by buying your plan soon after your first trip payment and ensuring the complete trip cost.
Lost, stolen, or damaged baggage.
Losing your bags might be frustrating. Up to defined limits, Travel Guard's Baggage Coverage can cover lost, stolen, or damaged personal items and baggage. Usually, this coverage comes second to whatever the airline or other common carrier offers. Ensure you preserve all relevant records for your claim and promptly report a matter to the airline.
Baggage delays.
Delayed baggage can be annoying. Up to a daily limit, Travel Guard provides Baggage Delay coverage for items you need to buy while waiting for your baggage to arrive, like toiletries and clothing. Depending on your particular plan, this coverage usually starts after a 12—to 24-hour wait.
Trip delays for covered reasons.
Unexpected costs might result from unanticipated circumstances, such as mechanical problems or adverse weather causing flight cancellations. For reasonable expenses paid during a covered delay—such as food, lodging, and transportation—Travel Guard's Trip Delay coverage can refund you. Review your policy for covered reasons, the delay for coverage to apply, and daily and maximum benefit limits.
Missed connections due to covered delays.
A covered delay causing a missing connection flight can delay your trip schedule. Travel Guard's Missed Connection coverage covers any cancellation fines for missed segments of your journey and any extra transportation costs to get to your destination or return home. Note that this coverage usually does not apply if you have not provided enough time between connecting flights.
Emergency evacuations and repatriation of remains.
Travel Guard provides coverage with high benefit limits in the sad case of a serious illness, injury, or death that requires medical evacuation or repatriation of remains. This coverage might assist with the significant expenses of travelling to a doctor or returning home. Review your plan to understand the particular situation addressed and benefit limitations.
| Mishap | Coverage | Plan Details | Limits/Requirements | Claim Process |
|---|---|---|---|---|
| Trip Cancellation | Reimburses non-refundable, pre-paid trip costs | Deluxe, Preferred, Essential, Travel Guard Plus | Up to 100% of insured trip cost. Covered reasons include illness, injury, death of traveler, family member, or traveling companion; other covered reasons vary by plan. Must be purchased within 15 days of initial trip payment for pre-existing condition waiver. | Cancel with travel suppliers, submit documentation (claim form, proof of payment, cancellation terms from supplier, supporting documentation for reason). |
| Trip Interruption | Reimburses non-refundable, unused trip costs and additional transportation expenses. | Deluxe, Preferred, Essential, Travel Guard Plus, Pack N' Go, Annual | Up to 150% of insured trip cost (lower for some plans). Covered reasons include illness, injury, death of traveler, family member, business partner, or traveling companion; other covered reasons vary by plan. | Submit documentation (claim form, proof of payment, documentation of interruption and expenses). |
| Trip Delay | Reimburses reasonable additional expenses during a delay. | Deluxe, Preferred, Essential, Travel Guard Plus, Pack N' Go, Annual | Varies by plan (e.g., up to $1,000 total, $200/day). Delay must be over a certain duration (varies by plan), due to covered reasons (e.g., inclement weather, strike). | Submit documentation (travel itinerary, receipts for expenses, carrier report verifying delay). |
| Baggage Loss/Damage | Reimburses for lost, stolen, or damaged luggage and personal items. | Deluxe, Preferred, Essential, Travel Guard Plus, Pack N' Go, Annual | Varies by plan (e.g., up to $2,500). Coverage may be secondary. Limits for high-value items. Receipts required for some items. | Submit documentation (travel itinerary, incident/police report, receipts for items, proof of other insurance claims). |
| Baggage Delay | Reimburses for essential items purchased due to delayed baggage. | Deluxe, Preferred, Essential, Travel Guard Plus, Pack N' Go | Varies by plan (e.g., up to $500). Delay must be over a certain duration (varies by plan). Receipts required. | Submit documentation (travel itinerary, carrier report confirming delay, receipts for essentials). |
| Medical Emergency | Covers medical expenses incurred during a trip. | Deluxe, Preferred, Essential, Travel Guard Plus, Pack N' Go, Annual, Medevac | Varies by plan (e.g., up to $150,000). Pre-existing condition waiver available if purchased within a specified timeframe. | Submit documentation (claim form, authorization to release medical information, medical records, bills, receipts). |
| Emergency Evacuation | Covers medically necessary evacuation to nearest adequate facility or home. | Deluxe, Preferred, Essential, Travel Guard Plus, Pack N' Go, Annual, Medevac | Varies by plan (e.g., up to $1,000,000). Must be deemed medically necessary by a physician. | Contact Travel Guard Assistance, submit documentation as needed. |
| Rental Car Collision | Covers physical damage to a rental car. | Optional add-on to Deluxe, Preferred, Essential | Varies by plan. Not available in all countries. | Submit documentation (rental contract, police report, damage estimate, photos). |
