Travel Guard travel insurance review | finder.com

Travel Guard

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There’s so much that’s right about opening your eyes to what the world has to offer with family and friends. But what about when things don’t go according to schedule?

Natural disasters, medical emergencies and mere schedule mishaps can put a kink in the best-laid plans. Travel insurance can help smooth it out.

Travel Guard is just one option to consider. Owned by AIG, it’s one of the largest insurers in the US and the world. Through varying levels of coverage, you can choose a plan that suits your lifestyle best.

  • Trip cancellation
  • Trip interruption
  • Medical coverage upgrade
  • Car rental collision coverage

Why should you buy travel insurance?

Travel insurance can protect you from a variety of risks at home and abroad, offering significant reimbursement when your plans go awry.

To learn more about the specific benefits of travel insurance, check out our comprehensive guide.

How much does travel insurance cost?

Travel insurance doesn’t come with a fixed cost. Price is ultimately affected by your state of residence, your age and other factors. But expect it to set you back around 4% to 10% of your trip cost.

Before signing up, get a free price quote on popular plans within Travel Guard’s portfolio.

How to get Travel Guard insurance

Travel Guard offers four tiered plans: Basic, Silver, Gold and Platinum.

1. Visit Travel Guard’s website.
2. Click Get A Quote or select a plan under Most Popular Plans.
3. Select your state of residence.
4. Enter details for your trip, including your departure and return date, when you paid for your trip, your trip’s cost and your date of birth.
5. Select optional coverages.
6. Enter your personal details.
7. Pay for your insurance plan.

Travel Guard

Protections you’ll receive

Here are the protections you’ll find while comparing Travel Guard plans. For explanations of these insurances, head over to our guide on travel insurance.

  • Trip cancellation
  • Trip interruption
  • Trip interruption for your return flight
  • Trip delay
  • Missed connections
  • Baggage and personal effects
  • Baggage delay
  • Accident sickness medical expense
  • Emergency evacuation and repatriation of remains
  • Accidental death and dismemberment

Extra coverages

You may qualify for Travel Guard’s extra coverages if you book your insurance within a specific window of paying for your trip — for example, within 15 days.

Extra coverage can include:

  • A pre-existing medical condition exclusion waiver. Travel Guard generally excludes pre-existing medical conditions from coverage. This exclusion is waived, however, if you qualify for extra coverage.
  • Trip cancellation and interruption coverage due to financial default of carrier. If you can’t take your trip because your carrier failed to pay its debts, you may be covered by Travel Guard.

Optional coverages

For an extra fee, add additional coverage to your Travel Guard plan. Coverage includes:

  • Medical coverage upgrade. Double your medical expense coverage.
  • Car rental collision coverage. Cover the costs that result from a collision, with deductibles that vary by plan.
  • Cancel for Any Reason. CFAR reimburses 50% of your nonrefundable costs when you cancel up to 48 hours before you’re scheduled to depart.
  • Flight Guard. Get $100,000 to $500,000 in coverage for accidental death or dismemberment on a flight or charter.

Read the fine print before adding any optional coverage to be sure you understand how and when to use it.

Assistance services

Travel Guard can help you find additional services if you need them during your trip. Note that you could pay fees to third-party providers for these services.

  • Travel medical assistance. Get such medical emergency assistance as prescription replacement and medical evacuations.
  • Worldwide travel assistance. Receive assistance for travel emergencies that include emergency hotel reservations and interpreter services.

Popular plans compared

Basic Silver Gold Platinum
Trip cancellation 100% trip cost 100% trip cost 100% trip cost 100% trip cost
Trip interruption 100% trip cost 100% trip cost 100% trip cost 100% trip cost
Trip interruption $500 (return air only) $500 (return air only) $750 (return air only) $1,000 (return air only)
Trip delay $500 ($100 a day per person) $500 ($100 a day per person) $750 ($150 a day per person) $1,000 ($200 a day per person)
Missed connection N/A N/A $250 $500
Baggage and personal effects $500 ($50 deductible) $750 ($50 deductible) $1,000 $2,500
Baggage delay $100 (delayed more than 24 hours) $200 (delayed more than 24 hours) $300 (delayed more than 12 hours) $500 (delayed more than 12 hours)
Accident sickness medical expense $10,000 ($50 deductible) $15,000 ($50 deductible) $25,000 $50,000
Emergency evacuation and repatriation of remains $100,000 $150,000 $500,000 $1,000,000
Accidental death and dismemberment N/A N/A $10,000 $50,000

Other plans

Pack ’N Go

Pack ’N Go is similar to Travel Guard’s standard plans. The key difference is that you won’t receive trip-cancellation insurance. Pack ’N Go could be a good choice if you’re booking a last-minute trip that you’re unlikely to cancel.

Travel Guard Plus

Travel Guard Plus is similar to the Platinum plan but includes a few extra coverages. For example, you could qualify for Adventure Sports Coverage, which insures you for adventurous sports like bungee jumping and ice climbing.
You can add optional coverages that cover you more comprehensively. For example, your Cancel For Any Reason coverage may reimburse you for up to 75% of your nonrefundable expenses, instead of just 50%.

Frequently asked questions

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