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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.

Top 5 Frequently Asked Questions About Travel Insurance

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Read Me First: Be sure to read the "Important Information" and "Consumer Alerts" Below.

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Travel Insurance
Don't get left high and dry on your next vacation.

Cover your next trip with travel insurance through Travel Guard.

Cover your next vacation with travel insurance through Travel Guard. Travel Guard insurance plans include cruise insurance for cruises of all shapes and sizes. Plans may include valuable medical coverage, trip interruption, emergency travel and health services and more. 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 more than 20 years, Travel Guard has covered millions of travelers throughout the world. They're America's leading provider of travel insurance plans and assistance programs and they're here to help you 24 hours a day, 7 days a week. Coverage provided through Travel Guard is easy to buy and with their 24-hour emergency travel services it's even easier to use.

Travel Guard provides travelers with numerous coverage options. Whether it's a two-day cruise to the Bahamas, a two week cruise through the Mediterranean, or a month-long resort vacation in Hawaii we have a product that fits your travel needs. To find out which Travel Guard insurance plan is right for you, select "Get A Quote" today!

NOTE: Travel Guard is one of the nation's leading providers of travel insurance and assistance plans. Comprehensive travel insurance plans through Travel Guard are distributed by more than 12,000 travel companies through virtually every distribution channel in the travel industry.

Real-Life Stories....

Family Emergency Cuts Cruise Short
Setting sails in the Bahamas, Douglas W., and his wife never expected to use their travel insurance plan; however, after unfortunate circumstances, they were relieved to find out about their extensive coverage through Travel Guard International.

After receiving a phone call from a hospital back at home, Douglas learned of his mother-in-law's poor condition and needed to return home immediately. To his shock, each return ticket cost more than $900. Douglas received reimbursement through his Travel Guard plan covering the full amount of both tickets and the unused portion of their cruise.

"Since then, we've actually been traveling more frequently, and always use Travel Guard insurance plans," stated Douglas. "We also have a travel group, and will urge them to use Travel Guard, as well. Thank you for making a very difficult time a lot easier."

The scenarios summarized are offered only as an example. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of the policy. Anyone interested in any travel insurance product should request a copy of the description of coverage for a description of the scope and limitations of coverage BEFORE making any insurance purchase.
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Travel Guard Insurance ( Fine Print )

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. See each coverage for details.
This is only a brief description of the coverage(s) available under policy series T30337NUFIC. The Policy will contain reductions, limitations, exclusions and termination provisions. Full details of coverage are contained in the Policy. If there is any conflict between the contents of this document and the Policy, the Policy will govern in all cases. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 70 Pine Street, New York, NY 10270. Is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states. *Non insurance services are provided by Travel Guard Assist.

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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.

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.

Cruise Traveler Magazine

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.

To demonstrate the importance of purchasing travel insurance, and emergency travel services, here are 10 common examples of what could go wrong.

It's 10 p.m. and you and your immediate family arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to get everyone home?
Your bag was lost with your insulin inside. You need help to locate your bag as soon as possible and have your emergency prescription filled. Who do you call?
Your first visit to Europe, and your passport and wallet are stolen. Where do you turn for emergency cash, and how will you get your passport replaced?
You're involved in an accident and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation?
If your sister-in-law becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?
You arrive in Jamaica and your luggage doesn't. If it's lost, who will help you find it? If it's delayed, who will pay for your necessities? If it's stolen, who will pay to replace it?
Your cruise line, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses? Who will help get you to your destination?
You're walking down a street in Rio and twist your ankle. Who can help you find an English-speaking physician?
Three weeks before your scheduled arrival, a terrorist incident occurs in the city to which you are planning to visit. Who will pay if you want to cancel your trip?
You are at a beach resort in North Carolina, and you are forced to evacuate due to an approaching hurricane. Who will help you evacuate and who will reimburse your lost vacation investment?

Top 5 Frequently Asked Questions About Travel Insurance

Q. Why should a traveler buy travel insurance?
A. 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.
Q. What happens if a traveler must cancel their vacation?
A. 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 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.
Q. How does trip cancellation and interruption coverage work?
A. It reimburses for forfeited, nonrefundable, unused payments or deposits if the traveler must cancel or interrupt their trip due to a covered reason.
Q. What other coverage is typically included in an travel insurance plan?
A. 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 incurred due to travel delays; reimbursement for the purchase of essential items if baggage is delayed; and coverage against lost, stolen or damaged baggage.
Q. Does travel insurance cover terrorism?
A. Many travel insurance policies do not cover terrorism, or only cover terrorist acts that occur on foreign soil. Travel insurance from some suppliers like Travel Guard can cover terrorist incidents both in the United States and abroad.
More Questions....
Q. Is the financial default of an airline, cruise line or tour operator covered?
A. 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.
Q. Does Travel Guard offer travel insurance plans tailored to specific types of travel?
A. 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.
Q. How much does travel insurance cost?
A. 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.
Q. What else is offered with the purchase of an Travel Guard plan?
A. 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.