Travel insurance is a type of insurance (like car or home insurance) that provides coverage for certain costs and losses associated with traveling.
Without travel insurance, if something unexpected happens like an accident or a missed flight, you could be responsible for some of those costs yourself.
These unexpected expenses can be expensive, so travel insurance can help give you greater peace of mind, knowing your travel investment is covered.
What's covered?
Many travel insurance plans come with a core selection of coverages.
Most of our plans at Travel Guard provide coverage for:
Many travel insurance plans come with a core selection of coverages.
Sometimes life happens, and a planned trip gets cancelled. Help protect your travel investment with Travel Guard’s trip cancellation insurance coverage.
Trips get cancelled. That’s why there’s Trip Cancellation coverage from Travel Guard.
Travel Guard’s Trip Cancellation coverage can make a world of difference when you need to cancel your travel plans. Help protect your travel investment so you’re not on the hook for pre-paid and nonrefundable costs. With Travel Guard, you’re more prepared if you need to cancel for covered work, illness, weather, or other reasons. Plus filing a claim is user-friendly, which is a nice feeling in an unpredictable world.
Definition: What is Trip Cancellation coverage?
Trip Cancellation coverage is a key benefit on most Travel Guard travel insurance plans and provides coverage for certain expenses you may have pre-paid and that are nonrefundable when you need to cancel your trip (as long as it’s a covered reason). Your travel insurance plan can provide more details, but things like canceling for certain work reasons, jury duty or illness of yourself or a family member are typically reasons that would be covered with the trip cancellation benefit on your Travel Guard travel insurance plan.
How do I use the Trip Cancellation benefit if I need to cancel my trip?
Cancel your trip with your travel suppliers directly – like the airline, cruise, tour company, or travel advisor that you originally booked with. If there are any costs or fees that you are not refunded, you can submit the necessary claim documentation to Travel Guard to request reimbursement for covered costs.
What documentation do I need to file a claim for Trip Cancellation?
The specific documentation needed for your trip cancellation claim will depend on the reason you’re cancelling and what you originally had booked. Below is a list of documentation that may be required.
There may be additional documents required based on your specific claim. You can start a claim online with our claims portal or you can call us directly if you have specific questions.
Example Scenario:
You’ve planned a trip to Colorado for some amazing hiking in the Rocky Mountains with your two best friends. Three weeks before you’re set to leave, one of your Traveling Companions breaks their ankle and will be wearing an orthopedic boot for the next six weeks. Their doctor says travel is out of the question. You don’t want to go without your friend, so you all decide to cancel your trip and make plans for another time.
In this scenario – your Traveling Companion is cancelling due to a medical reason. A physician imposing travel restrictions on yourself, a Family Member, or a Traveling Companion because of an Injury or Sickness could be a covered reason to cancel your trip on most Travel Guard travel insurance plans. With necessary documentation you can file your claim with Travel Guard* to be reimbursed for those covered pre-paid and nonrefundable costs you can’t get back from your travel supplier. Always be sure to read the complete terms and conditions of your travel insurance plan before booking to help insure you chose the coverage you need!
Coverage for your vacation in case an unforeseen, covered event sends you home early.
Interruptions happen, even on vacation. Get Trip Interruption coverage with Travel Guard.
If your vacation gets cut short, you’d hate to be on the hook for portions of the trip you didn’t get to enjoy. Travel Guard’s Trip Interruption coverage can help ease the burdens that come with certain trip interruptions, which may include reimbursement for unused, nonrefundable Trip Costs or change fees. Plus, our specially trained representatives can help you adjust your travel plans, rebook flights and get you back home.*
*Expenses incurred from third-party vendors for assistance services not part of a filed insurance plan are the responsibility of the traveler.
What is Trip Interruption coverage?
Trip Interruption coverage begins when you start your trip. It provides protection for your travel investment if a covered reason causes you to miss a portion of the trip or stop the trip completely and return home early. Trip Interruption can reimburse you for parts of your trip that you miss, as well as additional transportation costs incurred to continue the trip or return home.
How do I use the Trip Interruption benefit if my trip gets interrupted?
When your trip is cut short or you face a significant delay, you can make any changes to your trip directly through your travel suppliers, such as the airline or cruise you booked with originally. If you need additional help making new reservations or booking transportation, our 24/7 emergency travel assistance team can help you at 800.826.5248. Once your travels are complete and you’ve returned home, you can submit your claim with the required documentation and request to be reimbursed for any covered expenses.
What documentation do I need to file my claim?
The specific documentation needed for your Trip Interruption claim will depend on the reason for interruption and what expenses you incurred. Listed below are examples of documentation that may be required.
There may be additional documents required based on your specific claim. You can start the process of filing a claim online with our claims portal or you can call us directly if you have specific questions.
Example Scenario:
You’re on vacation in Mexico with a few days left before your vacation ends. Suddenly, you learn an immediate family member back home is sick with no one to take care of them, as required by the family member’s Physician, so you need to cut your vacation short and head home early. You cancel the remaining days at your hotel and call Travel Guard for help with getting a new flight home. Because your new flight is last-minute, the price is more than your original flight – and you have a change fee to pay. Luckily, you have Travel Guard.
In this scenario, because interrupting your trip due to a sick Family Member at home (according to the definition of Family Member in your travel insurance plan) who needs your immediate care, as confirmed by a Physician, is a covered event, you would likely have coverage available to get reimbursed for your expenses to get home. Travel Guard recognizes that last minute travel tends to be more expensive, which is why you’ll usually see benefit limits over 100% of your trip cost (often 150%) for Trip Interruption on a Travel Guard travel insurance plan. You can then claim those extra expenses and fees with Travel Guard and request to be reimbursed for those costs, in addition to a prorated amount for the unused nights at your hotel if nonrefundable by the hotel. Remember to read your travel insurance plan’s complete terms and conditions before booking to help ensure you have the coverages you may need. All claims under Travel Guard travel insurance plans must be reviewed by the appropriate claims personnel.
Before travel mishaps and unpredicted events ruin your vacation, learn about the Trip Delay and Missed Connected Benefits from Travel Guard.
Trip Delay
When certain unexpected events prevent you from reaching your vacation, Travel Guard can help get you back on track.
What is Trip Delay coverage?
Trip Delay is a coverage on most Travel Guard travel insurance plans that provides you with coverage for certain reasonable costs, which may include lodging and food, when you can’t reach your destination due to a covered, Unforeseen delay or cancellation.
How do I use Trip Delay coverage?
If you experience a significant delay in your travels (length of time varies by plan), save any receipts for necessary items you purchase until you’re able to get to your destination. You can file a claim to request reimbursement for those expenses. To confirm which expenses are covered, be sure to review your plan’s complete terms and conditions.
Can I receive Trip Delay benefits if my trip is cancelled?
No, the Trip Delay coverage is only active while you are already traveling and provides reimbursement for the covered costs associated with the delay in getting your trip back on track.
Can I use Trip Delay coverage if I miss my flight?
Trip Delay does not provide coverage for flights missed of your own accord unless there was a traffic accident on the way to your departure flight, in which case a police report verifying the incident will be required when filing your claim.
Travel Guard’s Baggage Coverage can help ease the burden and stress of lost, stolen or damaged luggage by providing reimbursement for covered items.
Baggage Coverage Benefit
Travel Guard’s Baggage Coverage can help ease the burden and stress of lost, stolen or damaged luggage by providing reimbursement for covered items.
What is Baggage Coverage?
Baggage Coverage is included on all Travel Guard travel insurance base plans, although on certain plans you can purchase higher benefit limits as part of a baggage upgrade. In the event your luggage is lost, stolen or damaged during your trip, Baggage Coverage can provide reimbursement for recovering or replacing covered personal items.
How do I use Baggage Coverage?
If your luggage is lost, stolen or damaged you can submit a claim to request reimbursement. Be sure to obtain the required documentation for your claim when necessary – like an incident or police report if your luggage is stolen.
Are there limits to the reimbursements I can claim for baggage?
Yes, there are limitations with regard to reimbursements for Baggage Coverage. These limitations vary by travel insurance plan and item. Jewelry, watches, furs and electronic devices have an aggregate coverage amount on most plans, and all items have a per-item limit. Details of Baggage Coverage and limits can be found in your Policy of Insurance.
Do I need a receipt for lost or damaged items in my baggage?
While it is possible to file a claim on your baggage without a receipt, covered items costing over $150 without a receipt will not be reimbursed for more than $150.
Sometimes the unexpected happens, even on vacation. Be more prepared with Travel Guard’s Travel Medical Expense/Dental Expense coverage.
Emergencies happen, even on vacation. That’s why there’s Travel Medical Expense coverage from Travel Guard.
There aren’t many things that can throw a wrench in your travels more than illness or injury. That’s why Travel Medical Expense coverage may be so important on your travel insurance plan. Travel Guard travel insurance plans offer Travel Medical Expense coverage in varying benefit limits, so you have the coverage you may need. Help protect your hard-earned money so you’re not on the hook for covered medical expenses you might incur while traveling. We know you’d much rather put that money towards your next trip!
What is Travel Medical Expense coverage?
Travel Medical Expense is a coverage included on all Travel Guard travel insurance plans, because your health is important to us. When you’re sick or injured while traveling, especially if you’re overseas in a foreign country, the cost of care should be the least of your worries. Travel more confidently knowing you have certain coverage to see a Physician (for covered reasons) and that you can submit a claim requesting to be reimbursed for covered expenses. Be sure to understand your travel insurance plan’s complete terms and conditions prior to purchasing.
In general, sicknesses or injuries that first begin while you’re on your trip and require treatment by a Physician, as defined in your travel insurance plan, would be covered on your plan (certain exclusions apply). Your Travel Guard travel insurance plan may provide coverage for medical and dental expenses and on some plans physical therapy for covered reasons listed in your plan.
How do I use Travel Medical Expense Coverage during my trip?
If you receive treatment while you’re traveling, keep any relevant documentation from your treatment. Travel Guard has emergency travel assistance for help locating appropriate medical care if you are unsure of where to go. We have medical personnel on staff who can regularly review the care our travelers are receiving. When your trip is complete, submit any necessary documentation for your out-of-pocket medical expenses to Travel Guard to request reimbursement of covered expenses.
What documentation do I need to file a claim for Travel Medical Expense coverage?
The specific documentation needed for your medical expense claim will depend on the treatment needed from your illness or injury and the out-of-pocket expenses you incurred.
Below is a list of documentation that may be required.
There may be additional documents required based on your specific claim. You can start the process of filing a claim online with our claims portal or you can call us directly if you have specific questions.
Example Scenario:
You are on vacation in England when you get into an on-road accident and need medical treatment. You are brought to the hospital where you receive treatment for a neck injury. After a week, you are cleared to fly back home.
In this scenario, you would keep records of the accident, your injury and the treatment you received so you can file a claim to request reimbursement for the costs you incurred.
Remember to read your travel insurance plan’s complete terms and conditions before booking to help ensure you have the coverages you may need.
Did you know… Last year travelers faced: • 1,250,000+ flights that were delayed or cancelled in the U.S. alone1 • Severe weather in the Atlantic and East Pacific – 18 hurricanes and 18 named storms2 • Nearly 79 active volcanoes erupting globally at the end of 20223 • 142 earthquakes in the U.S., Fiji, Peru, Philippines, Mexico, and Nepal4
Let’s face it. Certain travel problems are just out of your control … flight delays or cancellations, severe weather or last-minute emergencies. We have you covered with our comprehensive travel insurance plans: • Trip Interruption can reimburse your nonrefundable trip cost due to unforeseen sickness or injury that prevents you from continuing with your trip. • The Trip Saver option includes coverage up to $2,500 per insured person that may cover additional costs associated with departing up to three days earlier to “save” your trip, such as air ticket change fees, transportation, meals and hotel costs. • Trip Cancellation can reimburse your nonrefundable trip cost due to certain unforeseen inclement weather causing cancellation or delay of your trip. • Travel Medical Expense can reimburse for certain medically necessary expenses incurred for items such as services from a physician and hospital charges. • Travel Guard has plans that offer the option to purchase the Quarantine Bundle. Coverage can provide a daily benefit for mandatory quarantine, ordered by a Physician or authorized local health official, due to a diagnosis and/or exposure to a communicable disease. Provides Trip Interruption coverage if you are denied boarding due to the results from a mandatory health-related screening