Travel Guard Insurance Travel Insurance Review

#4 in Travel Insurance

Travel Guard continues to be a leading service of travel insurance plans in the US. It is one of the few companies that offer these services in-house. Travel Guard provides a wide range of travel insurance products that can cover standard business trips, family vacations as well as specialty travel. The company also offers a long list of covered items that makes it a valuable investment for one-off or annual travelers. With more than 2 decades experience in providing quality travel insurance, Travel Guard provides travel insurance services for single trip, business, family travelers and almost every travel type.   

 

Plan Types

 

Single trip

Annual plans

Special travel

 

Unlike other travel insurance services, Travel Guard’s three main products (Silver, Gold and Platinum) offer almost identical benefits across its product lineup. The only difference is the amount of benefits each offer covers. Gold and Platinum plans for example are identical in benefits while Silver only misses out on two, missed connection and accidental and dismemberment benefits.

 

 

Silver

Gold

Platinum

Trip cancellation

100%

100%

100%

Tip interruption

100%

150%

150%

Trip interruption – return air only

$500

$750

$1,000

Trip delay

$500

$750

$1,000

Missed connection

 

$250

$500

Baggage and personal effects

$750

$1000

$2,500

Baggage delay

$200

$300

$500

Accident sickness and medical expense

$15,000

$25,000

$50,000

Emergency evacuation and repatriation of remains

$150,000

$500,000

$1,000,000

Accidental death and dismemberment

 

$10,000

$50,000

 

Extra Coverage (when purchased within 15 days of initial trip payment)

  • Pre-existing medical condition exclusion waiver
  • Trip cancellation/ interruption due to financial default of airline, cruise line or tour operator
  • Medical expense
  • Baggage and personal effects

 

Optional Coverage

  • Cancel for any reason
  • Medical coverage upgrade (Gold and Platinum only)
  • Accidental death and dismemberment common carrier only
  • Car rental collision coverage

 

Additional Plans

 

My Travel Guard

My Travel Guard lets you choose which items to include in your policy. However, compared to most of the standard plans it does not provide the same amount of benefits.

 

Savvy Traveler

This is designed to offer budget-conscious travelers a cost-effective solution for travel insurance. It offers basic covered items such as trip cancellation, interruptions, baggage and medical expenses. However, there is no options for upgrades are available.

 

Basic Plan

Similar to Savvy Traveler in terms of standard covered items. But this plans additional upgrade options such as car collision coverage, accidental death and dismemberment, and pre-existing medical conditions.

 

Medical Plans

Medevac

  • Accident sickness and medical expenses
  • Unlimited emergency evacuation and repatriation of remains (maximum of 1 evacuation)
  • Accidental death and dismemberment
  • Security evacuation
  • Adventure sports coverage (optional)
  • Baggage and personal effects (optional)
  • Baggage delay (optional)

 

Travel lite Annual Plan

  • Trip interruption/  cancellation
  • Baggage and personal effects loss
  • Baggage delay
  • Pet care home alone ($200 maximum)
  • Medical expense
  • Emergency evacuation and repatriation of remains
  • Car rental collision coverage

 

Business Traveler

  • Trip interruption – return air only
  • Trip delay
  • Missed connection
  • Baggage and personal effects loss
  • Baggage delay
  • Medical expense
  • Emergency evacuation and repatriation of remains
  • Accidental death and dismemberment
  • Security evacuation

 

Flight Card

  • Minimum of $100,000 up to $500,000 maximum benefit
  • Loss of life
  • Loss of both limbs
  • Loss of one limb and sight from one eye
  • Loss of one limb
  • Loss of sight in one eye

 

Assistance Services

  • Travel medical assistance
  • Worldwide travel assistance
  • Live travel emergency services
  • Concierge service
  • Identity theft assistance (not available to NY residents)
  • Business assistance
  • $50 roadside assistance per car

 

Travel Guard Summary

Travel Guard gives travelers a wide range of travel insurance options that are designed to meet individual insurance needs. Good news for travelers is that even with its diverse plan options, basic items such as travel cancellations, delays and baggage coverage is offered. There are also specialized plans such as its Medevac plan with its adventure sports coverage which is not normally offered with other travel insurance companies. 

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