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Travel Guard travel insurance plans include travel insurance & assistance that travels with you. Coverages may include: Trip cancellation due to terrorism & other named unforeseen events, trip delay, lost baggage, medical emergency, & others. Purchase online for immediate coverage. Certain coverages are subject to purchase requirements.

 

 

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Read Me First

Important Information

Please read the entire "certificate" carefully before making any insurance purchase to determine rights and duties, as well as what is and is not covered. Various provisions in this certificate restrict coverage.

All information presented at this web site is based on information material provided travel agents by Travel Guard International and is subject to change without notice
. The information on this web page is not a recommendation to purchase travel insurance. That decision is up to you. You are strictly responsible for knowing what works best for you. So, do your homework and due diligence before making any purchase.

Consumer Alerts

1. All prospects for purchase of travel insurance should fully understand the coverages, monetary limits and restrictions that apply to travel insurance before making any decision to purchase. For details of what is covered please read the entire "certificate" carefully before making any insurance purchase.

 

2. You do not have to book a cruise to purchase this insurance.  Travel arrangements such as hotel, resort, flights, and tour packages may be covered. For details of what is covered please read the entire "certificate" carefully before making any insurance purchase.


IN THE NEWS

Florida State law requires travel insurance companies to be registered and licensed by the State.

Here's what happened when a company sold travel insurance without a license.

Consumers need to be very careful about which companies they buy travel insurance from, as state law requires such companies to be registered and licensed with the state.

Florida Chief Financial Officer Jeff Atwater recently announced that the Department of Financial Services has reached an agreement with to reimburse nearly $90,000. Read More.. ( Sun Sentinel )

When it comes to travel insurance: What you need to know before you go!

What is travel insurance? Travel insurance can protect consumers from losing deposits or total costs for a long planned vacation due to unforeseen circumstances, such as an accident, or illness that prevents you from taking your vacation.

Travel Insurance Tip: Ask whether you are purchasing travel insurance vs. "trip protection" or  "vacation care", as these may not be true insurance products. While they may cost less, they may not cover you as much as true travel insurance. There is nothing worse that filing a claim and being denied payment. Many policies  contain exclusions for certain kinds of coverage , so always read the details of the policy, including the fine print before purchase.

Legitimate travel insurance must be sold by companies with an insurance license, with the carrier authorized by state insurance regulators. To verify the license of any company selling travel insurance company in the State of Florida call the Department of Financial Services consumer helpline at 877-693-5236 or visit http://www.MyFloridaCFO.com.

For other states contact the Attorney General office or Department of Consumer Services where you live.

In Florida, to verify if the company has the appropriate license or to file a complaint, call the Department of Business and Professional Regulation consumer helpline at 850-487-1395 or visit http://www.myfloridalicense.com/dbpr

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Charles N. of Kansas City, Missouri had everything planned. He and his two traveling companions were going on an unforgettable Alaskan cruise tour complete with days of exploring the Alaskan wilderness and panoramic view of the picturesque coast.

If it was all the excitement or something else we may never know, but as soon as Charles arrived at the airport, he suddenly passed out. Fortunately, his traveling companions got him help and to a hospital quickly. Unfortunately, his long-planned for trip was history. But what about the extensive investment he had made in his trip? 

The airline cruise tickets weren’t cheap – could he recoup the cost? With a Travel Guard plan, he could. One simple call to Travel Guard got the ball rolling. Within a couple of weeks, Charles was reimbursed for his unused flight tickets, and the cost of the cruise and tour.

Source: Travel Guard

Cruise Insurance.
Don't get left high and dry on your next cruise.


Cover your cruise with cruise travel insurance through Travel Guard. Insurance plans through Travel Guard can include cruise insurance coverage for cruises of all shapes and sizes. Plans may include valuable emergency medical coverage, trip interruption coverage, emergency travel and health assistance services and more.

For more than 20 years, Travel Guard plans have covered millions of travelers worldwide. We're one of America's leading providers of travel insurance plans and assistance services plans and we're here to help you 24 hours a day, 7 days a week. Coverage provided through Travel Guard is easy to buy and with 24-hour emergency travel assistance services it's even easier to use.
Not going on a cruise? That's OK. You can Purchase Travel Insurance For any trip, business or pleasure.

Travel Guard plans offer travelers numerous coverage options. Whether it's a two-day cruise to the Bahamas or a month-long cruise through the Mediterranean, we have a cruise insurance plan to fit your travel needs. To find out which option is best for you, check out the most popular Travel Insurance Plans below.... Click on a highlighted link for more details and a FREE price quote.

Most Popular Travel Insurance Plans

  • Platinum - For travelers who want the most comprehensive package of travel insurance coverage & assistance services.
The Platinum Plan is for travelers who want the most comprehensive package of travel insurance coverage and assistance services. If you are looking for the total package that includes coverage for Travel Guard's highest level of medical services, plus additional benefits when purchased within 15 days of initial trip payment, then this is the package for you! The Platinum Plan also covers for pre-existing medical conditions, financial default - even trip cancellation due to job loss and other covered work reasons! You can also upgrade your Platinum Plan to include optional coverages like Cancel for Any Reason and Medical Evacuation home or to the hospital of your choice!
  • Gold - Travel Guard's most popular package of travel insurance & assistance services.
The Gold Plan is Travel Guard's most popular package of travel insurance & assistance services. Offering comprehensive coverage for individuals or families, this plan now includes Cancel for Work Reasons (including job loss) in the base plan and primary medical coverage. Children 17 and under are also covered at no additional cost! And, if you purchase this plan within 15 days of your initial trip payment, this plan provides additional benefits for pre-existing medical conditions and financial default. Optional coverages include Cancel for Any Reason and Medical Evacuation home or to the hospital of choice.
  • Silver - For travelers & families who want standard coverage & 24-hour emergency travel assistance services.
The Silver Plan is for people who are traveling individually or with their family and want standard coverage and access to our 24-hour emergency travel assistance services. Now including increased medical and emergency evacuation coverages, this plan provides even more benefits when purchased within 15 days of initial trip payment, including coverage for pre-existing medical conditions and financial default. Each child 17 and under is covered at no additional cost for each adult that purchases this plan.
  • My Travel Guard - Travel Guard's lowest-priced package plan with basic coverage & 24-hour emergency travel services.
A "build your own" travel insurance plan. Includes basic and 24-hour emergency travel services. Customize "My Travel Guard" with coverages and limits to meet your specific travel needs. Optional Coverage Upgrades include Cancel for Any Reason, increased medical, emergency evacuation and baggage coverages, Adventure Sports Coverage, Additional Covered Reasons Upgrade and more! 
  • Basic - The lowest-priced package plan with basic coverage & 24-hour emergency travel services.
The Basic Plan includes essential travel insurance coverages and 24-hour emergency travel assistance. This plan does not cover trip cancellation coverage for financial default or pre-existing medical conditions.

 

 

GET A QUOTE

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Cruise Insurance

Don't get left high and dry on your next cruise.

Flight Insurance

Help make sure your travel plans take off with travel insurance through Travel Guard.

Vacation Insurance

Don't let unexpected events or illnesses ruin your vacation.

Why Buy Travel Insurance?

At Travel Guard they understand that your vacation can take a year to save for, but only a second to ruin. While you can't do anything to prevent an unexpected storm from closing the airport, you can help cover your investment by buying travel insurance.

Travel insurance can provide you with the best coverage for medical expenses, trip cancellation, interruption, baggage damage, medical evacuation, and much more. Plus, with every Travel Guard insurance plan you will also receive 24-hour travel assistance.

Why Travel Guard?

With more than 20 years of industry experience, Travel Guard is one of America's leading travel insurance plan providers. They specialize in providing innovative travel insurance, assistance and emergency travel service plans for millions of travelers and thousands of companies throughout the world. Their industry-leading, comprehensive travel insurance plans are distributed by more than 12,000 travel companies through virtually every distribution channel in the travel industry.

Frequently Asked Questions About Travel Insurance ( Source: Travel Guard )

    • Does Travel Guard offer travel insurance plans tailored to specific types of travel?
      Yes. Travel Guard offers travel insurance plans for an array of budgets, from modest trips to high-end luxury vacations. There are also products for last-minute getaways and extended trips, and specific coverage plans for cruise travelers, golf travelers, students, and sports travel.*
    • How does trip cancellation and interruption coverage work?
      It reimburses for forfeited, nonrefundable, unused payments or deposits if the traveler must cancel or interrupt their trip due to a covered reason.*
    • How much does travel insurance cost?
      The cost of travel insurance is based, in most cases, on the value of the trip and the age of the traveler. Typically, the cost is five to seven percent of the trip cost.*
    • Is the financial default of an airline, cruise line or tour operator covered?
      Many of Travel Guard's retail insurance programs include financial default coverage if the program is purchased within 15 days of making the initial trip deposit.*
    • What else is offered with the purchase of a Travel Guard plan?
      To boost travelers' confidence when traveling, Travel Guard has added LiveTravel® assistance, which provides 24-hour, "911" emergency travel agency-type services to all standard retail plans, in case a traveler has to change a flight or a hotel room. Travel Guard has also added assistance with emergency cash transfers, pre-trip consultation services (travel advisories, passport requirements, inoculation information, etc.), and live messaging, which will relay any e-mail or phone message to family, friends or business associates.*
    • What happens if a traveler must cancel their vacation?
      Often a traveler will lose nonrefundable deposits and prepayments that can add up to hundreds—or even thousands—of dollars. A comprehensive travel insurance plan through Travel Guard can provide trip cancellation coverage for the traveler's vacation investment—the insurance company reimburses the traveler for all pre-paid, nonrefundable expenses for a covered loss.*
    • What other coverage is typically included in a Travel Guard travel insurance plan?
      In addition to trip cancellation and interruption, the more comprehensive travel insurance plans available today may also cover emergency medical expenses emergency medical transportation, when ordered by a doctor, to the nearest adequate medical facility reimbursement for accommodations and expenses.*
    • Why should a traveler buy travel insurance?
      Travel insurance gives travelers coverage for unforeseen problems, from a cancelled flight to a serious illness—or in rare cases, even an act of terrorism or the financial default of a travel supplier. If an illness, accident, or other covered unforeseen circumstance forces a traveler to cancel or interrupt their plans, they face two major financial losses—money invested in nonrefundable pre-payments, and medical expenses that in many instances may not be covered by health insurance.*

  • This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., with its principal place of business in New York, NY. Coverage may not be available in all states.  Please Read the "Disclaimer" found at the end of this page as well as the "Read Me First" notes in the left hand column.

    Travel assistance services provided by Travel Guard.


    Packing Tips

    The following are packing tips for your next vacation based on feedback we’ve received from the millions of smart travelers we serve each year. Print out this useful document and place a copy in all of your travel bags and suitcases so it’s always handy when you need it.

    • Carry Hand Sanitizer
      Always carry small packets or bottles of hand sanitizer,so when you are out and about, you can sanitize when necessary.
    • Check Baggage Policy
      Check ahead of time with your airline or travel agent to determine the airline’s baggage policy, including baggage fees, number of pieces you can check and size and weight limitations.
    • DO NOT Pack the Following Items in Your Checked Baggage
      Cash, jewelry, laptop computers, electronic or fragile items (no matter how they are protected).
    • Don’t Over Pack
      Only pack necessary items and clothes you can mix and match and easily hand wash. You can always purchase items along your trip.
    • Make Copies of Travel Documents
      Carry copies of important travel documents including passport, credit cards, driver’s license and your Travel Guard insurance policy, and pack the copies in your luggage. Also, leave a set of your copied travel documents with your travel agent or a relative. You can also scan your travel documents and store them in your web-based e-mail account along with emergency “lost card” telephone numbers. If your credit cards are lost or stolen, you will have to call the carrier collect if you are outside of the U.S. since toll-free telephone numbers are only useful inside the U.S. By scanning or making copies of your travel documents, you will have immediate access to all important information if it is lost or stolen. You can even e-mail the details page of your passport to an embassy or consulate when applying for a new one.
    • Resist Packing Full-Size Products
      Resist packing items such as full-size personal hygiene products or a flashlight. These items are usually available in travel-size and you will save space. You may also want to check the amenities provided by your hotel, many provide in-room personal hygiene products. An inexpensive LED penlight can light up a room or a hiking trail and easily slip into a carry-on bag.
    • Separate Bags
      Whether packing for a beach, golf or ski vacation, consider pre-packing whatever you might need for particular events in a specific stand-alone bag or separate bag inside your suitcase. When you arrive at your destination, you can grab and go; especially if you are traveling with a large group of people or with kids. This will prove to be a great timesaver!
    • TSA Screens All Passenger Baggage
      The Transportation Security Administration (TSA) screens every passenger's baggage before it is placed on an airplane and sometimes security will review the contents of a bag. To avoid the possibility of your luggage lock being cut, purchase a universal lock that can be opened by security officers using a universal "master" key. These locks are available at airports and travel stores nationwide.
    • Use Unique Tags
      Use unique luggage or luggage tags so you can easily see your bag coming on the baggage carousel rather than having to check every non-descript black bag that goes by. Another way to “mark” your bag is to write your last name on the handle of your luggage with a liquid ‘white-out’ pen.
    • Wear the Clothes You Buy While on You’re on Vacation
      There is no need to “save” them until you return home. How fun is it to wear the sunglasses or cool new shirt you bought in Maui when you are actually in Maui? Plus, when you get home and wear your new garb it will bring back pleasant memories of your vacation.

    Source: Travel Guard


  • Travel Insurance Resource Center:

    Click on these links for more information.

     

    1. Top 10 Reasons Why You Should Purchase Travel Insurance

    There are hundreds of circumstances that could cause you to cancel

    your trip, return home early or force you to seek emergency medical

     treatment while traveling. Check out Cruise Traveler Magazine's Top

     10 reasons why you should purchase travel Insurance.

    2. Top 5 Frequently Asked Questions About Travel Insurance

    3. Travel Insurance why buy? Why not!

    Find out if it's right for you.

    4. Top Ten Questions To Ask Before You Purchase Travel Insurance

    5. Travel Insurance: Glossary of Terms

    6. Consumer Alerts:   Must reads before making a purchase

    7. Travel Insurance Articles:

    Stories that may be of interest

    8. What's New in Travel Insurance Coverage?

    9. Travel Insurance: Tips To Save You Money


    Are you ready for your upcoming trip?

    Are you sure?

    Whether you’re worried about a medical emergency, your luggage not showing up when you do, or you simply want to cover your trip investment, travel insurance plans through Travel Guard are there for you before, during and after your trip.

    A travel insurance plan can provide coverage for:
    • Trip delay
    • Trip interruption or cancellation
    • Emergency Medical expenses while on your trip
    • Lost baggage
    In addition, many of the travel insurance plans through Travel Guard include free 24-hour emergency assistance** to help with the unexpected such as:
    • Emergency medical evacuation
    • Flight rebooking
    • Emergency return arrangements
    • Missed connections coordination
    • Lost baggage search
    • Urgent message relay to family, friends or business associates
    • Much more!
    Cover the investment you just made – purchase a travel insurance plan from Travel Guard today.

     

      DISCLAIMER: All prospects for purchase of travel insurance should fully understand the coverages, monetary limits and restrictions that apply to travel insurance before making any decision to purchase. For details of what is covered please read the entire "certificate" carefully before making any insurance purchase. The information found on this web page is not a recommendation to buy travel insurance. That decision is just up to you. So, do your research and due diligence before making any purchase. When using this link you will be taken to Travel Guard's website. Travel Direct Corporation is not responsible for third party web sites. We provide this link for informational purposes only only as a convenience to our guests. Should you decide to make a purchase, the arrangement is strictly between you and Travel Guard. Contact them if you have any questions or need further assistance. Their phone number is: 800.826.4919. Be sure to mention code 00528953 to get the most up-to-date pricing and coverage.

    *Source: U.S. Department of Transportation, Air Travel Consumer Report, March 2008, http://airconsumer.ost.dot.gov/reports/2008/march/200803atcr.pdf


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