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One of the largest insurers in the US, Travel Guard has a range of coverage options for different travelers — from budget travelers to frequent flyers.
Travel Guard offers four tiered plans: Basic, Silver, Gold and Platinum. Here’s a breakdown of the coverage each plan offers.
Silver | Gold | Platinum | |
---|---|---|---|
Trip Cancellation | 100% trip cost | 100% trip cost | 100% trip cost |
Trip interruption | 100% trip cost | 100% trip cost | 100% trip cost |
Trip delay | $500 ($100 a day per person) | $750 ($150 a day per person) | $1,000 ($200 a day per person) |
Missed connection | N/A | $250 | $500 |
Baggage and personal effects | $750 ($50 deductible) | $1,000 | $2,500 |
Baggage delay | $200 (delayed more than 24 hours) | $300 (delayed more than 12 hours) | $500 (delayed more than 12 hours) |
Accident sickness medical expense | $15,000 ($50 deductible) | $25,000 | $50,000 |
Emergency evacuation and repatriation of remains | $150,000 | $500,000 | $1,000,000 |
Accidental death and dismemberment | N/A | $10,000 | $50,000 |
Yes. Travel Guard offers 24/7 emergency assistance.
The insurer 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.
The tiered plans aside, the insurer has these coverage options.
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 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 also 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%.
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:
The price comes down to your state, age and the dates and location of travel. But expect it to set you back around 4% to 10% of your trip cost.
Follow these steps to get a quote or buy coverage:
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.
Backed by financial giant AIG, Travel Guard is a strong choice for travel insurance and has a range of tiered plans for various types of travelers. In the leadup to your trip, it’s worth comparing travel insurance companies to get the best possible policy and price.
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