Travel Guard Insurance – Everything to Know For Your Trip

Travel Guard insurance. In this guide, you will learn about things like plans, coverage types, and so much more.

So, Travel Guard is a reputable travel insurance provider offering comprehensive coverage options, efficient claim processing, and reliable customer service.

With years of experience and a range of plans, they ensure travelers have peace of mind and assistance during their trips.

So, in this guide, I will dive deep into some of the essential items for travel insurance, including trip protection, medical coverage, baggage protection, and so much more.

If you’re planning a trip and need insurance, I think Travel Guard is a great one, and I will show you why throughout this guide.

This post includes affiliate links, and if you buy through our links, we will get a commission at no cost to you. This does not influence our review. For more information, see our Terms of Service. Thank you for your support.

Travel Guard Overview

Travel Guard is a trusted and reliable company for travel insurance due to several reasons.

Firstly, they offer comprehensive coverage options that cater to various travel needs.

Whether you’re looking for medical coverage, trip protection, baggage coverage, or assistance services, Travel Guard has plans that address these areas.

Their range of insurance plans allows travelers to choose the coverage that best suits their specific requirements.

Secondly, Travel Guard has a strong reputation built on years of experience and millions of travelers covered.

Their expertise in the industry gives travelers confidence that they are dealing with a reputable and established company.

Additionally, Travel Guard provides excellent customer service.

Their website and customer service representatives are readily available to assist travelers in obtaining quotes, understanding coverage options, and addressing any concerns or questions.

This level of support ensures that customers feel supported throughout the process.

Moreover, Travel Guard’s efficient and transparent claim process sets them apart.

They provide step-by-step guidance for filing claims and offer online tracking for claim status.

This streamlined approach makes the claims process more convenient and less stressful for travelers.

Lastly, Travel Guard’s commitment to assistance services further enhances its value as a travel insurance provider.

They offer 24/7 emergency travel assistance, medical assistance, travel concierge services, and other support services.

These services ensure that travelers have access to help and guidance during their trips, especially in challenging or unforeseen situations.

Travel Guard stands out as a good company for travel insurance due to its comprehensive coverage options, industry expertise, excellent customer service, efficient claim process, and extensive assistance services.

Travel Guard Insurance Quote

Getting a quote is the best step to start the process of travel insurance because it provides you with essential information about coverage options and costs.

It allows you to evaluate different plans, compare prices, and make an informed decision based on your specific travel needs.

A quote gives you a clear understanding of what is included in the insurance policy and helps you select the best coverage for your trip.

Getting a quote from Travel Guard is a straightforward process.

You can visit their website or contact their customer service to provide details about your trip, such as travel dates, destination, and coverage preferences.

Based on this information, they will generate a quote outlining the coverage options and associated costs.

The quote can be obtained quickly, allowing you to compare and select the most suitable insurance plan for your needs.

When asking for a quote for travel insurance, it’s important to ask specific questions to ensure you have all the necessary information. Some key questions to consider include:

1. What are the coverage options and limits available?

2. What is the cost of the insurance plan?

3. What is the duration of coverage and the trip cancellation policy?

4. Are pre-existing medical conditions covered?

5. What is the process for filing a claim, and what documentation is required?

6. Are there any additional benefits or optional coverages available?

Asking these questions will help you make an informed decision about the insurance plan that best meets your needs.

Travel Insurance Plans by Travel Guard

Travel Guard offers a range of plans to suit your travel insurance needs.

Their Deluxe Plan provides extensive coverage, global travel assistance, and 24/7 emergency services.

For a well-rounded option, choose their Preferred Plan, offering new and expanded coverage.

If you’re looking for a budget-friendly choice, the Essential Plan is perfect for domestic and business travel.

For spontaneous travelers, the Pack N’ Go Plan offers post-departure coverage and emergency services.

Lastly, their Annual Plan ensures essential coverage for multiple trips throughout the year, excluding residents of WA.

So, in the following sections, I will expand on each of these plans. My focus will be on essential travel insurance areas such as trip protection, baggage coverage, medical expenses, and emergency evacuation.

Deluxe Plan

> Highlights: Trip protection up to 100%, Baggage coverage up to $2,500, Medical expenses up to $100k, and Emergency evacuation up to $1 million.

The Deluxe plan is the ultimate travel coverage option that offers comprehensive protection and sets the standard for travel insurance.

I would say it’s perfect for unique destination trips.

This top-of-the-line plan provides the highest level of primary medical expense coverage.

If purchased within 15 days of your initial trip payment, it also includes a pre-existing medical condition exclusion waiver, allowing coverage for some medical issues despite pre-existing conditions.

In addition to excellent coverage, the Deluxe plan grants access to assistance services that cater to all your travel-related needs before and during your journey.

This plan goes beyond medical coverage and offers protection for trip cancellation (including job loss), trip delay, lost, delayed, or damaged baggage, and much more.

The Deluxe plan also includes family coverage, allowing one child aged 17 and under, who is booked to travel with the primary adult named on the enrollment form, to be included at no additional cost.

The child’s trip cost has to about the same or less than the adult traveler(s) trip cost.

The Deluxe plan also offers extra coverages and enhancement options, such as Cancel for Any Reason, Adventure Sports Bundle, Name Your Family Bundle, Pet Bundle, Rental Vehicle Damage Coverage, and Wedding Bundle.

Furthermore, the Deluxe plan includes a range of assistance services.

These services include travel medical assistance, worldwide travel assistance, emergency travel assistance, concierge services, and identity theft assistance.

The Preferred Plan

> Highlights: Trip protection up to 100%, Baggage coverage up to $1,000, Medical expenses up to $50k, and Emergency evacuation up to $500k.

The Preferred Plan is a comprehensive travel insurance option that offers superb coverage and service from the beginning to the end of your journey.

Designed for families and international travelers, this plan provides excellent coverage for trip cancellation, interruptions, lost or delayed baggage, medical expenses, and medical evacuations.

Like the Deluxe Plan, the Preferred Plan also includes family coverage, allowing one child aged 17 and under, who is booked to travel with the adult that actually is on the enrollment form, to be included at no additional cost.

These enhancements provide added flexibility and customization to meet your specific needs.

The Preferred Plan also provides a range of assistance services to support you during your travels.

These services include travel medical assistance, worldwide travel assistance, emergency travel assistance, concierge services, and identity theft assistance.

While these services are not insurance benefits, Travel Guard provides assistance through negotiation, coordination, and consultation using their extensive network of worldwide partners.

The Preferred Plan offers comprehensive coverage, dedicated assistance services, and a variety of customization options to ensure you have a worry-free and enjoyable travel experience.

The Essential Plan

> Highlights: Trip protection up to 100%, Baggage coverage up to $750, Medical expenses up to $15k, and Emergency evacuation up to $150k.

The Essential Plan is a travel insurance option tailored for budget-minded travelers who still want coverage for their trips.

Whether you’re traveling for business or pleasure, this plan offers basic coverage and access to 24/7 emergency travel assistance services.

It provides peace of mind by offering assistance with rebooking flights and hotels, coverage for pre-existing medical conditions, and protection for trip cancellation, trip interruption, trip delay, and lost, stolen, or damaged baggage.

With the Essential Insurance Plan, you can easily and affordably cover your travels.

Similar to the other plans, the Essential Plan includes family coverage.

The Essential Plan provides standard coverages such as trip cancellation, trip interruption, trip delay, baggage coverage, travel medical expense, emergency evacuation, and non-flight accidental death & dismemberment.

So, the Essential Plan also provides extra coverages and enhancement options, including trip cancellation and interruption due to financial default and missed connection.

The Essential Enhancement Suite offers additional options such as the Medical Bundle, Security Bundle, and Rental Vehicle Damage Coverage.

These enhancements provide increased benefits and added protection for specific situations.

Moreover, the Essential Plan includes a range of assistance services, such as travel medical assistance, worldwide travel assistance, emergency travel assistance, and concierge services.

The Essential Plan offers savvy coverage for budget-minded travelers, ensuring that you can protect your trip without breaking the bank.

With its simple and affordable approach, along with the assistance services provided by Travel Guard, you can travel with confidence, knowing that you have basic coverage and support at your fingertips.

The Pack N’ Go Plan

> Highlights: Trip protection up to 100%, Baggage coverage up to $1,000, Medical expenses up to $25k, and Emergency evacuation up to $500k.

The Pack N’ Go Travel Plan is designed for spontaneous and last-minute travelers who don’t require trip cancellation coverage.

This is a great plan for solo travelers.

This plan offers immediate coverage for unplanned trips and adventures, providing peace of mind while you’re on the go.

It includes post-departure coverages and exclusive 24-hour emergency travel services to assist you during your travels.

The Pack N’ Go Plan provides standard coverages, including trip interruption, trip delay, missed connection, baggage coverage, baggage delay, travel medical expense, and emergency evacuation and repatriation of remains.

It reimburses non-refundable payments or deposits if you must interrupt your trip due to covered reasons.

It also provides coverage for trip delays, missed connections, lost or damaged baggage, baggage delays, and travel medical expenses incurred during your trip.

In case of a medical emergency, the plan covers emergency evacuations and repatriation of remains as directed by a physician.

The Pack N’ Go Plan offers essential coverage for unexpected situations that may arise during your trip.

While it doesn’t include trip cancellation coverage, it focuses on post-departure benefits to provide support and financial protection while you’re traveling.

With the Pack N’ Go Plan, you can embark on spontaneous adventures without worrying about unforeseen events.

The plan ensures that you have coverage for potential travel disruptions and medical emergencies, allowing you to enjoy your unplanned trips with peace of mind.

The Annual Plan

> Highlights: Trip protection up to 100%, Baggage coverage up to $2,500, Medical expenses up to $50k, and Emergency evacuation up to $500k.

The Annual Plan offered by Travel Guard provides year-round coverage for your travel investments, ensuring comprehensive protection for multiple trips throughout the year.

It is important to note that the Annual Plan is not available for residents in Washington (WA).

The Annual Plan offers essential coverages, including trip interruption, trip delay, missed connection, baggage coverage, baggage delay, travel medical expense, emergency evacuation and repatriation of remains, accidental death and dismemberment, and security evacuation.

With the Annual Plan, you can enjoy the convenience and peace of mind that comes with year-round coverage for your travel investments.

Whether you travel frequently for business or leisure, this plan ensures that you have 24/7 emergency travel assistance services and coverage for medical expenses, lost or delayed baggage, trip interruption, and medical evacuations.

With over 40 years of experience and millions of travelers covered, Travel Guard has the expertise to deliver the comprehensive coverage you need.

The Annual Plan provides reimbursement for non-refundable, unused payments or deposits but only if you must interrupt your trip due to covered reasons.

It also offers coverage for trip delays, missed connections, lost or damaged baggage, baggage delays, travel medical expenses, emergency evacuations, repatriation of remains, accidental death and dismemberment, and security evacuations due to riots, civil disorder, or natural disasters.

The Annual Plan is ideal for frequent travelers who want continuous coverage throughout the year, protecting their travel investments and ensuring assistance and support during their journeys.

Travel Guard Medical Insurance

Medical insurance is your top priority when traveling around the world, and that’s why I’m starting with that.

Travel medical insurance through Travel Guard provides essential coverage for medical, including expenses incurred during your trip.

With options available in their Deluxe, Preferred, Essential, and Annual plans, you can choose the level of coverage that suits your needs.

From emergency medical treatment to dental expenses, their plans offer financial protection and peace of mind.

However, I really love the flexibility, too.

For example, if you’re heading to an area with more medical issues (think of malaria, dengue fever, etc.), then it may make more sense to invest in plans like the Deluxe or Preferred, both of which come with way higher protections.

A great example is when going on a safari.

On the other hand, if you’re traveling to areas where tourists don’t have to worry about medical illnesses (think of the EU, for example, where malaria is non-existent), then maybe you don’t have to invest too much into medical.

Additionally, Travel Guard’s extensive network of worldwide partners ensures access to emergency medical assistance, physician referrals, and medical evacuations when needed.

Whether you’re traveling internationally or domestically, having travel medical insurance safeguards you against unexpected medical costs, allowing you to focus on enjoying your trip.

Travel Guard Flight Insurance

Now that we ensured your medical needs let’s look into flights.

Flight insurance through Travel Guard offers comprehensive coverage for various aspects of your air travel.

Their plans, such as Deluxe, Preferred, Essential, and Annual, provide benefits such as trip cancellation and interruption, trip delay reimbursements, and coverage for missed connections.

In the event of unforeseen circumstances like flight cancellations, delays, or disruptions, Travel Guard’s flight insurance ensures financial protection and assistance.

Once again, this is an area to think ahead since different types of airlines and countries offer different protections.

For example, if you’re planning to travel with a small airline within a country, and they use those old small planes, well, then it may make more sense to invest in a plan with good flight protection.

So, think ahead with that one because that is an area I see travelers making mistakes all the time.

With their 24/7 emergency travel services, you can rely on their support for rebooking flights, tracking lost luggage, and making necessary travel changes.

Flight insurance from Travel Guard provides peace of mind, knowing that you’re protected against potential flight-related challenges during your journey.

Travel Guard Rental Car Insurance

If you’re planning a road trip, then one type of insurance to look into is rental car insurance, especially if you’re in a foreign country.

Rental car insurance through Travel Guard offers valuable coverage for physical damage to rental vehicles.

With their plans, including Deluxe, Preferred, Essential, and Annual, you can ensure protection against potential expenses incurred due to accidents or damages to rental cars.

Once more, this is another area to consider and think about in advance.

If you happen to have a credit card that comes with rental car insurance, then maybe you don’t need to invest in the more comprehensive plans.

However, if you don’t, and you happen to be in a country where rental cars require insurance, you might end up paying way more if you don’t plan ahead.

Travel Guard’s rental car insurance reimburses up to the specified limit shown on the Schedule of Benefits, providing financial peace of mind during your travels.

Whether you’re renting a car for business or leisure purposes, having rental car insurance safeguards you against unexpected costs and allows you to enjoy your trip with confidence.

Travel Guard Vacation Rental Insurance

Now that we ensured your trip arrival and medical let’s look into where you’re staying.

Vacation rental insurance through Travel Guard offers essential coverage for your vacation rental bookings.

With their plans, including Deluxe, Preferred, Essential, and Annual, you can protect your investment in vacation rentals.

I would say this is another area to really look into. For those of you who are planning long-term trips (30 days plus) in one location and want to stay in the same place, well, you’re probably going to be looking at making far more of an investment.

In that case, I think it’s definitely worth it to invest in these plans.

Likewise, it’s perfect for expensive stays like Paris.

On the other hand, if you’re jumping from town to town, staying in places no more than 3 days, is it really worth it? I don’t think so.

So, think ahead with this one, too!

Their vacation rental insurance provides benefits such as trip cancellation and interruption coverage, reimbursement for lost or damaged belongings, and coverage for unexpected events that may disrupt your vacation rental plans.

With Travel Guard’s vacation rental insurance, you can have peace of mind knowing that your vacation rental expenses are protected, and you have access to their 24/7 emergency travel services for assistance during your trip.

Protect Your Adventure Trip

There are many activities we travelers indulge in our chosen destinations, and they always change, but some trip types are definitely worth looking into for insurance.

One of those is adventure travel.

Getting insurance for adventure travel is crucial to protect yourself against unforeseen circumstances.

Adventure activities often involve higher risks, and having specialized adventure travel insurance provides coverage for potential injuries, accidents, and emergency medical expenses.

It ensures peace of mind, allowing you to fully enjoy your adventurous pursuits without worrying about the financial implications of unexpected events.

Adventure insurance through Travel Guard is designed to cater to the needs of adventurous travelers.

With their Adventure Sports Bundle available in select plans, including Deluxe, Preferred, and Annual, you can enjoy coverage for adventure and extreme activities that may not be covered by standard travel insurance.

This specialized coverage ensures that you are protected while engaging in thrilling pursuits during your trip.

From hiking and skiing to water sports and more, Travel Guard’s adventure insurance offers peace of mind by providing coverage for potential accidents, injuries, and related expenses.

Protections For Your Cruise Trip

Another popular type of travel that I think deserves travel insurance is cruise travel.

Getting insurance for cruise travel is essential to protect your investment and ensure peace of mind during your voyage.

Cruise insurance provides coverage for trip cancellation, medical emergencies, baggage loss, and other unforeseen events specific to cruising.

It safeguards against financial losses and offers assistance services tailored to the unique challenges of cruise travel, allowing you to enjoy your cruise with confidence and worry less about potential disruptions.

Cruise insurance through Travel Guard offers comprehensive coverage tailored specifically for cruise vacations.

With their plans, including Deluxe, Preferred, Essential, and Annual, you can safeguard your investment in cruise travel.

Cruise insurance provides benefits such as trip cancellation and interruption coverage, reimbursement for missed ports of call, coverage for medical expenses on board, and assistance with emergency medical evacuations.

Additionally, Travel Guard’s cruise insurance offers protection against lost, delayed, or damaged baggage specific to cruise travel.

Whether you’re embarking on a short cruise or a world voyage, having cruise insurance ensures you have the necessary coverage and support for a worry-free cruising experience.

Protect Your Business Trip

Whether you’re a travel blogger or a photographer like me, or you are simply a social media influence, you’re a business… and you need to think about ensuring the safety of your trip.

Business insurance through Travel Guard is designed to cater to the needs of business travelers.

With their plans, including Deluxe, Preferred, Essential, and Annual, you can protect your business trips and investments.

Business insurance offers coverage for trip cancellation and interruption, reimbursement for business equipment loss or damage, and coverage for emergency medical expenses and medical evacuations.

Additionally, Travel Guard provides access to 24/7 emergency travel assistance services, ensuring that you have the necessary support during your business travels.

With business insurance from Travel Guard, you can focus on your work commitments while having the

Trip Cancellation

Let’s face it; we’ve all been there before, where you plan the perfect trip only to see it canceled by unforeseen events.

Getting trip cancellation protection is essential to safeguard your travel investment.

Unforeseen events like illness, accidents, or other emergencies can disrupt your plans.

Trip cancellation protection ensures you can recover your non-refundable expenses if you need to cancel your trip.

It provides peace of mind and financial security, allowing you to book with confidence and minimize the risk of losing money due to unexpected circumstances.

Trip cancellation insurance through Travel Guard is a valuable investment for protecting your travel plans.

With their Deluxe, Preferred, Essential, and Annual plans, you can enjoy comprehensive coverage for trip cancellation due to unexpected events such as illness, injury, or the death of a traveler or family member.

This coverage also extends to job loss, natural disasters, or other covered reasons.

Travel Guard’s trip cancellation insurance ensures you can recoup your prepaid, non-refundable trip costs, giving you peace of mind and financial protection if unforeseen circumstances force you to cancel your trip before departure.

Travel Guard Insurance Claim

Every trip I return from having to claim insurance benefits, I thank my lucky stars.

Sadly, like many of you, I’ve had experience in this area, too.

Thankfully, with companies like Travel Guard, it makes it so much easier.

When filing a claim with Travel Guard, you will need important documentation.

Proof of travel, such as itineraries or boarding passes, validates your trip details.

Proof of an insured trip includes the policy number and enrollment form.

Incident reports provide details about accidents or losses during the trip.

Receipts for claimed expenses verify the costs incurred.

Medical reports, invoices, and receipts are necessary for medical claims.

Having these documents organized and readily available will facilitate a smooth and efficient claims process with Travel Guard.

Submitting a claim with Travel Guard is a straightforward process that takes approximately 15-20 minutes.

They provide step-by-step guidance throughout the claim submission.

After submitting your claim, you will receive a claim number for tracking the status online.

This efficient system ensures transparency and keeps you informed about the progress of your claim, providing peace of mind during the claims process.

Travel Guard Insurance FAQs

So, I covered a lot of information in this guide, but I know some of you still have questions.

Travelers often have questions about Travel Guard because it is a well-known and reputable travel insurance provider.

Meanwhile, some travelers might come across a guide like this one or a social media post, and they want to know more.

With a range of comprehensive plans and extensive coverage options, Travel Guard offers protection and peace of mind for various travel needs.

Their customer service, claim process, and assistance services further contribute to the popularity of seeking information about Travel Guard.

So, in the following sections, I will answer some frequently asked questions.

What is Travel Guard insurance?

What is Travel Guard insurance? Travel Guard insurance is a comprehensive travel insurance product offered by AIG. It provides coverage and assistance services to protect travelers from unexpected events during their trips.

What does Travel Guard insurance cover?

What does Travel Guard insurance cover? Travel Guard insurance covers a range of aspects, including trip cancellation, trip interruption, medical expenses, baggage loss, and travel assistance services. The coverage details may vary depending on the specific plan chosen.

Is Travel Guard good trip insurance?

Is Travel Guard good trip insurance? Yes, Travel Guard is widely regarded as a reputable provider of trip insurance, offering comprehensive coverage options and reliable customer service. It is recognized for its extensive experience and millions of travelers covered over the years.

Can I cancel Travel Guard insurance?

Can I cancel Travel Guard insurance? Yes, you can cancel Travel Guard insurance. The specific cancellation policy and any applicable fees or refunds will depend on the terms and conditions of the policy you purchased.

Does Travel Guard Refund?

Does Travel Guard refund? Refunds from Travel Guard are typically provided if the policy is canceled within a certain timeframe and meets the refund eligibility criteria outlined in the policy. The refund process and any applicable fees or deductions will depend on the specific circumstances and terms of the policy.

Final Thoughts

Travel Guard offers a range of comprehensive travel insurance plans to protect your trips and provide peace of mind.

Whether you’re embarking on a vacation, adventure travel, cruise, or business trip, Travel Guard has a plan to suit your needs.

Their Deluxe, Preferred, Essential, Pack N’ Go, and Annual plans offer various levels of coverage, including trip cancellation, trip interruption, travel medical expenses, baggage protection, and more.

With over 40 years of experience, Travel Guard is a trusted name in the industry, providing 24/7 emergency travel assistance services and a streamlined claims process.

Getting a quote is the first step towards obtaining the right coverage for your trip, allowing you to compare options and select the plan that fits your requirements and budget.

It’s crucial to carefully review the policy details, coverage limits, exclusions, and optional enhancements before making a purchase.

Should the unexpected occur during your trip, Travel Guard’s customer service and claims support will guide you through the process, ensuring that you have the necessary documentation to file a claim.

By choosing Travel Guard, you can travel with confidence, knowing that you have reliable insurance coverage to protect you from unforeseen events and expenses.

Safeguard your travel investment and enjoy your journeys with Travel Guard’s comprehensive travel insurance plans.

AJ Paris is a travel photographer based in New York. He is the editor of Caravanzers.

Follow us on Pinterest.