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of prices and options for the most popular plans. Insurance plans designed to cover travelers worldwide.

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CRUISE TRAVEL INSURANCE REVIEW

Travel Insurance reviews, articles , compare rates and helpful tips.

Looking for  competitive pricing, special promotions, and all the customer care you'll ever need when shopping for travel Insurance?.  Just a few of the reasons to book with one of the largest, most trusted sellers of travel insurance. Check out Cruise Insurance Direct to find out all about it.

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

If you are looking for a package that includes one of the highest level of medical coverage, plus additional benefits when purchased within 15 days of initial trip payment, then get a FREE no-obligation Quote now.

Insurance provides coverage for trip cancellation, travel delays, lost luggage, medical emergencies and more. And kids are covered at no additional cost

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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.


 


Cruise Insurance Reviews

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.


Cruise Travel Insurance Review

This Review: Cruise, Tour & Travel Insurance.

Options include Travelex, Access America, Travel Guard, Insure My trip

and others.

Purchasing travel insurance is sometimes easier said than done. With so many coverage options to compare, it's not difficult to get confused. You may have initial questions like "should I buy trip insurance?" or "what travel insurance plan is right for me?".

Cruise Reviews Online is pleased to offer you a way to quickly compare the types of travel insurance plans on offer, so you can feel confident that you're purchasing the travel insurance plan that fits your needs.

 

What's Inside:

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

10. Packing Tips


Great Reasons To Travel NOW.

 

If you’re waiting to plan a vacation until the economy turns around, you may be missing out on some unprecedented travel deals. With fewer people traveling, the travel industry is rolling out the red carpet with incredible prices on everything from airfare to hotels and cruises. Now is the time to lock in the best rates you are likely to see for along, long time! Nationwide, airfares for summer travel to U.S. cities are down more than 9 percent on average from 2009, while overall summer fares to Europe are 19 percent below last year.

1. Cruise lines  everywhere are slashing prices, offering as much as $2000 onboard credit  for a luxury cruise to $200-300 for a contemporary cruise, Travel agents are throwing in amenities such as free upgrades, discounts up to 80% off brochure fares, free transfers or sightseeing tours ashore and other deal makers.

2. Eager for business, cruise lines, hotels, restaurants and attractions are willing to do whatever it takes to get you in the door including free event passes, “two for one” deals, free transportation and more!

3. Major travel providers are offering unprecedented rates for longer periods than ever before.

4. These amazing deals won’t be around forever!

5. Take advantage of these great vacation deals while you can!

Still not convinced?

If you include a travel insurance plan with your trip, you’ll have one less excuse for staying home this season! The right plan can help with many of today’s common travel worries:

Worried about losing your job before you leave? A travel insurance plan through Travel Guard can provide coverage in the event of involuntary job termination or layoff. Worried unexpected changes to your work hours may affect your vacation plans? The right plan can provide coverage for trip cancellation/ interruption due to work reasons. Just plain worried? Ask about a plan that can provide insurance protection if you need to cancel for ANY reason!

 

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.

 

Travel Insurance Tips:

1. Make sure your insurance coverage is considered "Primary". with this kind of coverage,  the insurance company pays you.  Stay away from "secondary" coverage as you will have to submit your claim  to your homeowners, health, or other insurance you may have before making a claim to the company you bought travel insurance from.

2. Do not buy travel protection or insurance issued by the, airline, car rental, hotel or cruise line.  If any of these travel suppliers goes out of business, you may not covered if you purchased insurance from them. You never know. Now, if your travel agent offers travel insurance issued from any provider, like Travel Guard, that's ok.

GET A QUOTE

Click on a link below for a FREE

Online Instant Travel Insurance Quote

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.

 

Top Ten Questions To Ask Before

Your Purchase Travel Insurance

 

In addition to what most policies provide--trip interruption, travel delays, baggage loss, emergency medical expenses and medical evacuation, here are some suggested questions to ask when calling an insurance provider:

1. Will the policy cover loss due to default or bankruptcy of travel suppliers?

2. Does the policy cover travel delay due to weather or other unforeseen circumstances?

3. Will the policy cover cancellation charges and expenses due to injury or sickness of your traveling companion though he/she is not your family member?

4. Will the policy cover cancellation charges and expenses due to injury or sickness of a member of your immediate family though he/she is not traveling with you?

5. Will the policy cover cancellation due to outbreak of strike, riot or civil disturbance at your destination or places en-route?

6. Does the policy cover loss or injuries due to war, acts of terrorism, hijacking and natural disasters?

7. Will the policy cover cancellation due to any natural disaster happen to the insured person's residence before or during your journey which requires your presence on the premises?

8. Will the policy cover breakage or damage to fragile articles or documents in your luggage?

9. Will the policy cover loss of travel documents, and/or travel tickets and additional travel & accommodation expenses incurred to replace them?

10. Can I cancel my policy if I am not satisfied?

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.

What's New In Cruise Travel Insurance?

Norovirus Coverage: Some Insurers offer coverage if you get sick from a Norovirus while onboard the cruise ship.

Job Loss Protection: Some Insurers offer added job loss protection, allowing you to cancel for a full refund if they or a cruise companion loses their job and can no longer afford a vacation.

Storm Watch Protection: Some Insurers offer severe weather watch/warning protection that provides reimbursement in the event of a severe weather watch or warning within 48 hours of your cruise sailing. Should the watch or warning affect either the cruise departure city or a passenger's route to that city, cruise travelers ( who purchased this type of coverage ) can cancel their cruise and receive reimbursement up to the full amount of the cruise cost.

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.
  1. 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?
  2. 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?
  3. 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?
  4. You're involved in an accident and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation?
  5. If your sister-in-law becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?
  6. 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?
  7. 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?
  8. You're walking down a street in Rio and twist your ankle. Who can help you find an English-speaking physician?
  9. 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?
  10. 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 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 retail insurance programs include financial default coverage if the program is purchased within 15 days of making the initial trip deposit.
  • Q. Are travel insurance plans tailored to specific types of travel?
    A. Yes. Travel insurance plans sre offered 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.

Travel Insurance Articles

Here is an informative excerpted article by Alfred Borcover of the Chicago Tribune about why you should consider trip insurance. The complete article was published in the Orlando Sentinel.
-------------

Travel Insurance. Why Buy? Why Not!

If there are any lessons to be learned from the recent demise of four cruise lines that impacted thousands of travelers, they are:

  • Pay for your cruise with a credit card, not by check and not by cash.
  • Buy trip cancellation insurance to protect your vacation investment against sudden illness, a death in the family or default by a cruise line or tour company.

    A few years ago, Commodore Holding Ltd., parent company of Commodore and Crown cruise lines, canceled future cruises on three ships and filed for bankruptcy. Last September, Port Canaveral-based Cape Canaveral Cruise Line folded. A week later, Premier Cruise Lines, a budget-oriented operation also based at the port, suddenly ceased sailing when the investment bank of Donaldson, Lufkin & Jenrette, which was keeping the line afloat with about $55 million in loans, pulled the plug and left 2,800 passengers with abbreviated voyages or no voyages at all.

    So there you are, on a cruise having a blast, or eagerly awaiting your trip of a lifetime. And all of sudden, your vacation is in the tank. And you've already paid thousands of dollars for your dream trip...........

    What's a person to do? Who can you scream at first? Well, if you opted not to pay by credit card and then declined to buy trip cancellation and interruption insurance that includes trip cost financial default protection, you might as well scream at yourself. A defunct cruise line or tour operator won't be around to listen. And there's nothing your travel agent can do.

    On the other hand, if you pay for your cruise or tour by credit card and you buy trip cancellation insurance, you have fall-back positions. People also buy travel insurance for the other coverages policies provide--trip interruption, travel delays, baggage loss, emergency medical expenses and medical evacuation.

    When a cruise line or tour company goes under and you have paid by credit card, the best thing to do is not get hysterical, but prepare to take action. While your agent can help you, you can help yourself by having your payment records ready. If you charged your trip, start by contacting your credit-card company.

    "Under the Fair Credit Billing Act , it would be considered a billing error if the product, or in this case the cruise, was not delivered as agreed," said Cindy Liebes, an Atlanta-based attorney for the Federal Trade Commission, which oversees the act.

    "The law says you only have 60 days from when the original charge showed up on your bill to make a claim," Liebes said. "But many credit-card companies will often honor those billing errors after the time limitation. So we usually advise consumers to try to charge it back [seek a refund] and see what happens. Legally the charge-card company is not obligated to honor the claim, but they will."

    Liebes said consumers also can try to get refunds under the "claims and defenses" provision of the Truth in Lending Act, but it has complex limitations too. "There are a couple of things we usually advise consumers if they call," Liebes said. "Buy trip insurance -- definitely not through the cruise line, but through the insurance company or the travel agency. And if something happens, go through their credit-card company to get a chargeback. If you get a letter back saying 'no,' keep fighting. The squeaky wheel often gets oiled."
    ( End of article )
    ----------------
  • Note: Travel Insurance offered by the cruise lines do not cover you if the cruise line goes out of business. Only certain 3rd party insurance companies cover that possibility. 
  • Some policies do not cover preexisting medical conditions, while others require that the insurance be purchased within seven to 14 days of making the initial cruise deposit. Many policies purchased from the cruise lines exclude coverage for preexisting medical conditions.
  • Hint: To be sure you are getting the kind of coverages you want, read all the fine print and understand fully the benefits and limitations of the policy on offer, before you buy. 

  •  

    Choosing cruise insurance

    Do you need cruise insurance? You betcha!

    "In the 16 years I’ve been cruising, I’ve seen many people fall ill and be taken off the ship in port or even evacuated at sea by helicopter. While I have always hoped for their speedy recovery, I have also wondered if they had purchased travel insurance. It’s certainly tempting not to. How many times have you returned from a trip safe and sound and kicked yourself for spending a couple of hundred bucks to insure against some calamity that never transpired? (Plenty, God willing.) But it only takes once, and it doesn’t have to be much of a calamity to deep-six your sizable cruise investment. A jury summons can do it, or an attack of appendicitis, or a missed connection on the way to the ship".

    Read the article: http://www.msnbc.msn.com/id/12465045

     


    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.

  • Travel Insurance Glossary of Terms

    Please note: Coverage can vary by plan. Specific use of language, legalese and descriptions can vary by plan. Please contact your insurance provider and ask to read their plan's "Description of Coverage" for details, eligibility and limits. Not all companies cover all items listed here.  Not all companies have the same descriptions as shown here.

    Accidental Death & Dismemberment
    An accident that takes place on a trip that results in death or loss of body parts

    Adventure Sports Coverage
    Coverage for activities considered to be higher risk, like snow boarding or skydiving.

    Provides trip interruption, medical evacuation and medical expense benefits for losses caused by many adventure sports activities typically excluded in most travel insurance plans. These activities include mountaineering up to 4,500 meters, aviation, hang gliding, skydiving, parachuting, bungee jumping, snow skiing or snowboarding, spelunking, water skiing and jet skiing.

    Baggage Delay
    Having your baggage redirected to a different location or it arrives late to your destination

    Typically an insurer will reimburse the insured, up to the Maximum Limit shown on the Schedule of Benefits for the cost of necessary personal effects purchased by the insured during the Trip, if the insured’s baggage is delayed or misdirected for more than 12 hours from the time the insured arrives at the Destination (other than the insured’s return destination) provided the insured is a ticketed passenger on a Common Carrier and the delay or misdirection is verified by the Common Carrier.

    Baggage & Personal Effects Loss
    Loss, theft, or damage that occurs to your luggage and travel documents while on your trip

    Typically an insurer will reimburse up to the Maximum Limit shown on the Schedule of Benefits for loss, theft, or damage to the Insured’s Baggage and travel documents during the Insured’s Trip. The Insurer will also pay for loss due to unauthorized use of the Insured’s credit cards, if the Insured has complied with all credit card conditions imposed by the credit card companies.

    Cancel For Any Reason Coverage
    Coverage for not being able to take your trip for any reason not otherwise covered in a travel insurance plan

    If the Insured is prevented from taking the Trip for any reason not otherwise covered by the Policy, typically an insurer will reimburse the Insured for up to 75% of the prepaid, forfeited, non-refundable payments or deposits for the insured Trip arrangement(s) up to the Maximum Limit shown on the Schedule of Benefits, provided the following conditions are met:
    a. the Insured purchases the Cancel for Any Reason benefit within 15 days of the date the Insured's initial Trip payment or deposit is paid and the cost of any subsequent arrangement(s) added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s); and
    b. this insurance coverage is purchased for the full cost of all prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and
    c. the Insured cancels the insured Trip not less than 48 hours prior to the departure date.

    Trip Cancellation/Interruption Due To Work Reasons
    Coverage due to unexpected work obligations that come up and prevent you from traveling

    Typically an insurer who offers Trip Cancellation/Interruption Due To Work Reasons coverage will be extended for these additional unforeseen circumstances if the insured or a traveling companion:
    a. Is required to work during his/her scheduled Trip. He/she must provide proof of requirement to work, such as a notarized statement signed by an officer of his/her employer;
    b. Is directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings and must be currently employed by the company that is involved in said event;
    c. Company is deemed to be unsuitable for business due to burglary, or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team.

    Children at No Additional Costs
    Children under the age of 17 and related to the primary insured are covered at no additional cost.

    "Immediate Family Member" means the Insured’s or Traveling Companion’s spouse or Domestic Partner, child, spouse’s child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-brother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, legal guardian, caregiver, legal ward, or Domestic Partner of any of the above.

    Claim
    A request for payment in accordance with an insurance policy

    Claim Procedures: Notice of Claim:

    The Insured must call the Insurance Company as soon as reasonably possible, and be prepared with what coverage the loss was under (i.e., Medical Expenses), the name of the company that arranged the Trip (i.e., tour operator, cruise line, or charter operator), the Trip dates, and the amount that the Insured paid. Typically, the company will fill in the claim form will need to be filled outand forward it to the Insured for his or her review and signature.

    Coverage Period
    The length of time that you are traveling and your travel insurance plan can cover you

    Persons eligible for insurance under the policy are any traveler(s) who purchases his/her insurance through or from a properly licensed agent/agency located in the U.S., who enrolls for coverage and pays the plan cost, providing he/she has not already departed on his/her Trip.

    Effective Date
    The Trip Cancellation Benefit is effective at 12:01 a.m. Standard Time on the date you purchase and pay for the plan and all over coverages begin on the date you begin your trip.

    Effective Date: Trip Cancellation Benefit will be effective 12:01 a.m. Standard Time on the date after becoming enrolled and plan cost is paid. All other coverages will begin on the later of: a.the date and time the Insured starts his/her Trip, or b.the scheduled departure date shown on the Enrollment form.

    Medical Expense Coverage
    An unexpected medical emergency that may occur while traveling and requires visiting a doctor or a hospital

    Typically, the Insurer will reimburse the Reasonable and Customary Charges for Medically Necessary Covered Expenses incurred by the Insured due to an Injury or Sickness within one year from the date of Injury or Sickness provided initial treatment was received during the Trip up to the Maximum Limit shown in the Schedule of Benefits.

    Emergency Dental Coverage
    Coverage for an unexpected dental emergency that may occur while traveling that requires visiting a dentist or a hospital

    Means charges incurred for the following service, supplies or treatments:
    1.Emergency dental treatment received during a Trip limited to a maximum of $500

    Emergency Medical Transportation
    A medically necessary transportation or evacuation to a medical facility

    Typically, the Insurer will pay up to the Maximum Limit shown on the Schedule of Benefits for Covered Emergency Evacuation Expenses incurred if the Insured suffers an Injury or emergency Sickness that warrants his or her emergency evacuation while on a Trip provided a Physician has ordered the emergency evacuation and has certified that the severity of the Insured’s Injury or emergency Sickness warrants such evacuation.

    Financial Default
    A tour operator or cruise or airline going out of business with or without filing bankruptcy

    "Financial Default" means the total cessation of operations due to insolvency, with or without the filing of a bankruptcy petition by a tour operator, cruise line, or airline provided the Financial Default occurs more than 14 days following an Insured's effective date for the Trip Cancellation Benefits. There is no coverage for the Financial Default of any person, organization, agency, or firm from whom you purchased travel arrangements supplied by others.

    Flight Accident Coverage
    Coverage for an accidental loss that occurs while traveling by air

    The Insurer will pay for the Insured’s covered accidental loss of life, hand, foot, or sight which occurred: 1.while he or she was riding as a passenger on or boarding or alighting from a Scheduled Air Carrier, and 2.within 365 days of the accident.

    Inclement weather
    Severe weather that delays or cancels your insured travels

    "Inclement Weather" means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier. With respect to an Insured who is traveling via private/non-commercial automobile transportation, any severe weather condition which prevents an Insured from reaching the Destination.

    Medical Evacuation
    Being transported to an adequate medical facility or back home when medically necessary

    Medical Evacuation — Arrangements for any and all means necessary to transport the Insured back home when medically necessary.

    Pre-Existing Condition
    Any injury or illness you have and sought medical treatment for within 60 days before your travel insurance policy becomes effective

    Typically, the Insurer will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition of you, traveling companion, business partner or Immediate Family Member which, within the 60 day period immediately preceding and including your coverage effective date: first manifested itself or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or for which care or treatment was given or recommended by a Physician; or required the taking of prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the prescription drugs or medicines.

    The Insurer may waive this exclusion if the Insured meets the following conditions:
    1.You purchase the program within 15 days of making the initial Trip payment;
    2.The amount of Trip
    Cancellation coverage purchased at that time equals the full cost of all pre-paid non-refundable trip arrangements. The cost of any subsequent arrangement(s) added to the same Trip must be insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s). Failure to do so may affect the pre-existing medical condition waiver coverage;
    3.You must be medically able to travel when plan cost is paid; and
    4.Applies to the first $50,000 of Trip cost per person

    Primary Residence
    The residence at which you mainly live, the Insured’s primary city and location of residence

    Renters Collision
    Coverage for if your rental car is damaged due to collision or vandalism

    Typically, coverage does not apply in countries or states where the sale of this insurance is prohibited by law. If the Insured rents a car from a licensed auto rental company while on his/her Trip, and the car is damaged due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of this benefit up to the Maximum Limit shown on the Schedule of Benefits subject to a $250 deductible:
    a.the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
    b.the Actual Cash Value of the car. Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.

    Terrorism
    Any act of violence that results in loss of life or major damage from a person acting in a way to overthrow a government or gain control of it

    "Terrorist Incident" means an act of violence, other than civil disorder or riot (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government.

    Trip Cancellation
    Having to cancel your trip due to illness, death, or injury

    Typically, the Insurer will reimburse the Insured, as described below, if a Trip is canceled or interrupted for the Insured due to any of the following Unforeseen circumstances:
    a. Sickness, Injury, or death of an Insured, Immediate Family Member, Traveling Companion, or Business Partner. Injury or Sickness must be so disabling as to reasonably cause a Trip to be canceled or interrupted;
    b. Inclement Weather causing delay or cancellation of travel;
    c. Strike resulting in complete cessation of travel services at the point of departure or Destination. A Strike is foreseeable on the date labor union members vote to approve a Strike and is not covered under the policy;
    d. the Insured’s principal residence or Destination being made Uninhabitable by fire, flood, or similar Natural Disaster, vandalism, or burglary;
    e. the Insured or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
    f. a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival. "City" means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas, or airspace;
    g. Financial Default of an airline, cruise line, or tour operator resulting in the complete cessation of services. Financial Default occurring on or before the Insured’s coverage effective date or less than fourteen days after the Insured’s coverage effective date will not be covered. This coverage applies only if insurance was purchased within fifteen calendar days of Initial Trip payment. (Day one is the date the initial Trip payment is received.);
    h. the Insured or Traveling Companion being called into active military service or having leave revoked or being reassigned;
    i. Termination of employment or layoff affecting the Insured or his/her Traveling Companion; must have been with the same employer for at least five continuous years;
    j. the Insured or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to his/her departure date; or
    k. being involved in or delayed due to a traffic accident en route to departure.

    Trip Cost
    The total prepaid and non-refundable expenses already submitted toward the trip regardless of who booked the arrangements. This does not include estimated or anticipated costs that have not yet been paid.

    Trip Delay
    Coverage for airline delay, weather conditions or lost travel documents that result in being delayed more than 5 hours

    Typically, the Insurer will reimburse up to $200 a day to the Maximum Limit shown on the Schedule of Benefits if the Insured’s Trip is delayed for more than 5 hours for Reasonable Additional Expenses until travel becomes possible. Incurred expenses must be accompanied by receipts. This benefit is payable for only one delay per Insured, per Trip. Trip Delay must be caused by reasons listed under Trip Cancellation & Interruption, in addition to:
    a. carrier-caused delay;
    b. lost or stolen passports, travel documents, or money;
    c. quarantine; or
    d. Natural Disaster that causes a complete cessation of travel services at the point of departure or Destination.
    The Insured Must: Contact the Insurer as soon as he/she knows his/her Trip is going to be delayed more than 5 hours. Failure to do so may affect coverage.

    Deposit Date
    The first day that any money was paid for any part of your covered travel arrangements. This includes any monies paid to a travel agent, tour operator, or arrangements purchased directly by the traveler. The date of payment or deposit for any subsequent Trip arrangement(s).

    Trip Interruption
    Weather, strikes, illness, death, or injury that interrupts your travels

    Trip Interruption Benefits: The Insurer will reimburse the Insured for the following up to the Maximum Limit shown on the Schedule of Benefits for Trips that have been interrupted due to the unforeseen events shown at the beginning of this section.
    a. forfeited, non-refundable, unused prepaid payments, made prior to your departure date; and
    b. additional non airline transportation expenses incurred by the Insured, either
    i. to the Return Destination; or
    ii from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
    c. Additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the departure date. However, the benefit payable under (b) and (c) above will not exceed the cost of economy airfare (or first class if the Insured’s original tickets were first class) by the most direct route, less any refunds paid or payable;
    d. the Insured’s additional cost as a result of a change in the per-person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Trip is interrupted, and the Insured’s Trip is continued.

    Trip Interruption / Return Air Only
    Coverage for additional airline expenses you incur while trying to return home

    Trip Interruption – Return Air Only: The Insurer will reimburse the Insured for the additional airline transportation expenses incurred by the Insured to reach the Return Destination if the Insured's Trip must be interrupted due to one of the unforeseen events shown at the beginning of this section, up to the Maximum Limit shown on the Schedule of Benefits. The Insured must: Contact the Insurer as soon as he/she knows the Trip is going to be cancelled or interrupted. Failure to do so may affect coverage.

    Medical Coverage Upgrade
    Additional coverage amounts and services that can be added to some of our most popular insurance plans.


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    Travel Insurance Q&A
    Q. How can my travel insurance plan cover my vacation investment in the event of a hurricane or other unforeseen severe weather?
    A. Typically, Third-party travel insurance plans, provide you with insurance coverage for your travel investment if unforeseen weather conditions cause a delay or cancellation of your trip. If the weather forces you to cancel your trip for a covered reason, we will reimburse your nonrefundable expenses, up to the amount of coverage you purchase. If bad weather delays your trip for a covered reason, we will reimburse you for reasonable, additional accommodations and traveling expenses until travel is possible.

    Resources:

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    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.

    Travel Guard International is a third-party travel insurance resource provided as a convenience to our guests. Travel Direct Corporation/Cruise Insurance Direct/Cruise Direct Online is not responsible for third-party content and does not control the prices, order process, customer service , claims or the MERCHANTABILITY of products shown on or purchased on Travel Guard International systems.

    *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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