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This is a long page - You get lots of information and prices |
Travel Guard has its strengths & quibbles:
Why Buy It? |
Quibbles |
 The Cruise, Tour & Travel (Platinum) plan has $50,000 Primary Emergency Medical coverage
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The Protect Assist (Gold) plan has $25,000 Secondary Emergency Medical coverage |
Travel Guard can guarantee payment to a medical facility to secure your admission while you're on your trip |
You can't get any pre-existing conditions & supplier financial default coverage when your trip's over $15,000 per person |
Children under 18 are covered at no additional cost (except for optional upgrades) on the Protect Assist plan when accompanied by a covered adult. The children must be a Family Member of the primary insured. |
These Travel Guard plans are not available to NY, OR & WA State residents |
These Travel Guard plans are available to US residents, except NY, OR & WA State residents |
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The Umbrella Plan Upgrade gives you Hospital of Your Choice Emergency Evacuation |
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You have 14 calendar days after your initial trip deposit date (they say 15 days) to cover pre-existing conditions & supplier financial default, and the optional Cancel For Any Reason or Work upgrades |
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The "My Travel Guard" plan lets you customize your coverages |
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You can get "Cancel For Any Reason" coverage for up to 75% of non-refundable trip costs. See the details. |
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The lowest trip cost you can cover is $0. This means you won't have any trip cancellation, trip interruption, nor pre-existing conditions coverage |
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The Cruise, Tour and Travel plan has just a 60 day Lookback period |
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You have a 14 day Free Look Period |
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The Cruise, Tour & Travel and Protect Assist plans have a 150% trip interruption benefit |
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Travel Guard's maximum trip length is 365 days |
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You can upgrade Cruise, Tour & Travel's Medical coverage to $100,000 (from $50,000) |
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Travel Guard is 1 of the 6 companies we trust |
If you already know which Travel Guard plan you want, click here to go to Travel Guard's secure online order form. Or call us toll free at 1-888-407-3854 to place your order over the telephone. |
 Travel Guard's plans cover you for up to $100,000 Primary Emergency Medical and up to $1,000,000 Emergency Medical Evacuation and 150% Trip Interruption. 14 day money back satisfaction guarantee. Available to both US and Canadian residents. All benefits are expressed in U.S. dollars.
Travel Guard's Protect Assist (Gold) plan is family-friendly:
Children under 18 (the age when you order the insurance) are covered at no additional cost (except for optional plan add-ons) when accompanied by a covered adult. The children must be a Family Member of the primary insured. Your children get a break on their travel costs, so why pay extra for their travel insurance, too?
Travel Guard Also Has A Collision Damage Waiver Plan: This Collision Damage Waiver covers damage to your Rental Car for only $9 a day. Get more information here.
Travel Guard's Certificates of Coverage: (DOC)
Please select the appropriate Certificate: (you can view them with the free Adobe Acrobat Reader). You may find this helpful: Printing With Adobe Reader
Plan Name |
Protect Assist (Gold) |
Cruise, Tour & Travel (Platinum) |
Secure online order form link (you don't pay extra fees using us) |
Protect Assist's (Gold) secure online purchase page |
Cruise, Tour & Travel's (Platinum) secure online purchase page |
Who can get this? |
Any US resident, except NY, OR & WA State residents |
Money Back Guarantee |
15 days |
Trip Cancellation (per person) |
Up to the insured amount |
Trip Interruption (per person) |
Up to 150% of the insured amount |
Emergency Medical (per person) |
$25,000 Secondary Travel Guard can guarantee the hospital payment |
$50,000 Primary Travel Guard can guarantee the hospital payment |
Emergency Medical Evacuation / Repatriation (per person) |
$500,000 |
$1,000,000 |
Emergency Dental Treatment for Accidental Injury (per person) |
$500 |
Your deadline to waive the Pre-Existing Condition exclusion |
Your Initial Trip Deposit Date plus 14 calendar days |
Pre-Existing Condition Lookback Period |
180 Days |
60 Days |
Travel Baggage (per person) |
$1,000 |
$2,500 |
Travel Baggage Delay (per person) |
$300 |
$500 |
Travel Delay (per person) |
$750 (after 5 hours) |
$1,000 (after 5 hours) |
Missed Connection (per person) |
$250 (after 3-5 hours) |
$500 (after 3-5 hours) |
24 Hour AD&D (per person) |
No Coverage |
$50,000 |
Rental Car Collision / Loss Damage Waiver |
Yes,
as a separate plan |
24-hour Assistance Services |
Included |
Flight Accident Insurance (per person) |
Yes, US residents click here
Yes, Canadian residents click here |
Travel Supplier Financial Default |
14 Day Wait if purchased by your Initial Trip Deposit Date plus 14 calendar days |
Terrorist Incident coverage in Itinerary City |
"...in a city to which you were scheduled to arrive within 30 days" |
The Umbrella Plan Upgrade Details: |
• Double your medical coverage to $50,000 Primary
• Get Hospital of Your choice Emergency Evacuation |
• Double your medical coverage to $100,000 Primary
• Get Hospital of Your choice Emergency Evacuation |
Insurance Underwriter |
American Home Assurance Company (2008 AM Best Rating A+) |
Secure online order form link (you don't pay extra fees using us) |
Go to the Protect Assist (Gold) secure online order form |
Go to the Cruise, Tour & Travel (Platinum) secure online order form |
Ready to Order? It's easy (and safe) to order online or over the telephone - just call Steve, Deanna, Becky, Teresa or Mary toll free at 1-888-407-3854 (US & Canada) or 507-214-3854.
Here's How Travel Guard's Cancel For Any Reason Benefit Works:
You can cancel your Trip for any reason not otherwise covered by the policy and be reimbursed for up to 75% of the prepaid, forfeited, nonrefundable Payments or Deposits you paid for your Trip. You must cancel Your Trip more than two (2) days prior to Your Scheduled Departure Date.
The Cancel For Any Reason benefit's cost is 40% extra for the Travel Guard Protect Assist (Gold) plan and 50% extra for the Travel Guard Cruise, Tour & Travel (Platinum) plan
You must fulfill these requirements to have the Cancel For Any Reason Benefit:
1) Your enrollment form and premium payment is received (or, if mailed, is post-marked) within 14 days of the date your initial deposit/payment for your Trip is received; and
2) You insure all prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 7 days of the payment for those arrangements the cost of any subsequent arrangements (or any other subsequent arrangements not made through your travel agent) added to your Trip; and
3) You are not disabled from travel at the time you pay your premium; and
4) You cancel your Trip more than two (2) days prior to Your Scheduled Departure Date.
Important: If you insure an amount less than your total prepaid trip costs that are subject to cancellation penalties or restriction there will be no coverage available under the Optional Cancel For Any Reason Benefit, if purchased. |
Here are the Cruise, Tour & Travel (Platinum) Plan prices:
Take note of this important Cruise, Tour & Travel (Platinum) Plan pricing information:
The table contains rates for Trip costs up to $15,000 per person. Call us at 1-888-407-3854 for prices on trips over $15,000 per person. $0 Trip Cost band does not include Trip Cancellation and Trip Interruption It's the same price for a trip of up to 30 days You have to add 50% (or multiply it by 1.5) to the Cruise, Tour & Travel (Platinum) rates plus a $3 service fee to get the cost including the optional Cancel For Any Reason Benefit You can double the Emergency Medical to $100,000 for $13 - $43 per person, depending on their age Travel Guard has a $6 non-refundable policy fee The $100,000 optional upgrade medical prices are on the last row The daily per person rates for a 31 - 365 days' trip is $5 Here's the Travel Guard Cruise, Tour & Travel secure online order form
Per Person Trip Cost
(US dollars) |
Ages 0 - 34 |
35 - 59 |
60 - 69 |
70 - 74 |
75 - 79 |
80 - 84 |
85+ |
$0 |
$26 |
30 |
44 |
50 |
66 |
99 |
114 |
$1 - 250 |
$31 |
36 |
53 |
59 |
77 |
114 |
131 |
$251 - 500 |
$36 |
42 |
62 |
68 |
87 |
128 |
148 |
$501 - 1,000 |
$62 |
75 |
104 |
122 |
152 |
220 |
240 |
$1,001 - 1,500 |
$90 |
103 |
146 |
172 |
222 |
321 |
341 |
$1,501 - 2,000 |
$116 |
143 |
187 |
220 |
297 |
435 |
448 |
$2,001 - 2,500 |
$145 |
178 |
229 |
284 |
373 |
545 |
555 |
$2,501 - 3,000 |
$170 |
214 |
272 |
342 |
448 |
662 |
673 |
$3,001 - 3,500 |
$195 |
258 |
314 |
400 |
539 |
773 |
789 |
$3,501 - 4,000 |
$219 |
293 |
356 |
458 |
617 |
884 |
903 |
$4,001 - 4,500 |
$245 |
328 |
397 |
530 |
714 |
994 |
1,015 |
$4,501 - 5,000 |
$270 |
375 |
440 |
590 |
799 |
1,090 |
1,129 |
$5,001 - 5,500 |
$311 |
413 |
483 |
649 |
850 |
1,121 |
1,201 |
$5,501 - 6,000 |
$333 |
461 |
541 |
708 |
929 |
1,136 |
1,272 |
$6,001 - 6,500 |
$362 |
500 |
588 |
791 |
1,001 |
1,242 |
1,391 |
$6,501 - 7,000 |
$394 |
554 |
633 |
852 |
1,083 |
1,348 |
1,510 |
$7,001 - 8,000 |
$451 |
613 |
721 |
945 |
1,201 |
1,491 |
1,671 |
$8,001 - 9,000 |
$521 |
714 |
814 |
1,067 |
1,358 |
1,690 |
1,893 |
$9,001 - 10,000 |
$600 |
795 |
907 |
1,190 |
1,512 |
1,884 |
2,109 |
$10,001 - 11,000 |
$675 |
910 |
1,049 |
1,375 |
1,747 |
2,174 |
2,435 |
$11,001 - 12,000 |
$750 |
1,012 |
1,164 |
1,526 |
1,940 |
2,414 |
2,704 |
$12,001 - 13,000 |
$824 |
1,112 |
1,280 |
1,678 |
2,133 |
2,655 |
2,973 |
$13,001 - 14,000 |
$899 |
1,213 |
1,396 |
1,830 |
2,326 |
2,894 |
3,242 |
$14,001 - 15,000 |
$973 |
1,313 |
1,512 |
1,982 |
2,519 |
3,134 |
3,511 |
Umbrella Plan: $100,000
Total Medical Coverage |
$13 |
17 |
22 |
27 |
32 |
37 |
43 |
Add an additional $5 per person per day for trips in excess of 30 days. For rates of trip costs over $15,000, please call Steve, Teresa, Mary, Deanna or Becky toll free at 1-888-407-3854. Note: Rates subject to change.
Ready to Order? It's easy (and safe) to order online or over the telephone - just call Steve, Deanna, Becky, Teresa or Mary toll free at 1-888-407-3854 (US & Canada) or 507-214-3854.
Click here to go directly to Travel Guard's Cruise, Tour & Travel online quote and purchase page
Here are the Protect Assist (Gold) Plan prices:
Take note of this important Travel Guard Protect Assist (Gold) Plan pricing information:
The table contains rates for Trip costs up to $15,000 per person. Call us at 1-888-407-3854 for prices on trips over $15,000 per person. $0 Trip Cost band does not include Trip Cancellation and Trip Interruption You have to add 40% (or multiply it by 1.4) to the Protect Assist (Gold) rates plus a $3 service fee to get the cost including the optional Cancel For Any Reason Benefit You can double the Emergency Medical to $50,000, the Emergency Medical Transportation to $1,000,000 plus upgrade the medical to Primary for $15 - $63 per person, depending on their age It's the same price for a trip of up to 30 days Travel Guard has a $6 non-refundable policy fee The daily per person rates for a 31 - 365 days' trip is $5 Here's the Travel Guard Protect Assist secure online order form
Per Person Trip Cost
(US dollars) |
Ages 0 - 34 |
35 - 59 |
60 - 69 |
70 - 74 |
75 - 79 |
80 - 84 |
85+ |
$0 |
$18 |
28 |
34 |
46 |
53 |
89 |
96 |
$1 - 250 |
$22 |
32 |
37 |
49 |
58 |
93 |
101 |
$251 - 500 |
$24 |
36 |
40 |
51 |
60 |
95 |
105 |
$501 - 1,000 |
$41 |
52 |
65 |
89 |
108 |
144 |
172 |
$1,001 - 1,500 |
$53 |
71 |
89 |
117 |
154 |
202 |
242 |
$1,501 - 2,000 |
$72 |
94 |
123 |
166 |
201 |
261 |
311 |
$2,001 - 2,500 |
$92 |
118 |
152 |
205 |
248 |
320 |
381 |
$2,501 - 3,000 |
$111 |
139 |
181 |
245 |
295 |
379 |
453 |
$3,001 - 3,500 |
$130 |
148 |
211 |
284 |
340 |
439 |
522 |
$3,501 - 4,000 |
$148 |
162 |
240 |
323 |
388 |
519 |
592 |
$4,001 - 4,500 |
$165 |
185 |
303 |
362 |
434 |
577 |
662 |
$4,501 - 5,000 |
$184 |
206 |
340 |
401 |
481 |
652 |
731 |
$5,001 - 5,500 |
$211 |
244 |
374 |
472 |
528 |
682 |
802 |
$5,501 - 6,000 |
$237 |
281 |
407 |
516 |
575 |
733 |
873 |
$6,001 - 6,500 |
$258 |
307 |
444 |
561 |
621 |
801 |
943 |
$6,501 - 7,000 |
$279 |
333 |
481 |
605 |
667 |
869 |
1,012 |
$7,001 - 8,000 |
$307 |
362 |
540 |
684 |
762 |
977 |
1,155 |
$8,001 - 9,000 |
$345 |
392 |
598 |
764 |
856 |
1,084 |
1,295 |
$9,001 - 10,000 |
$382 |
422 |
659 |
842 |
953 |
1,192 |
1,439 |
$10,001 - 11,000 |
$438 |
491 |
752 |
958 |
1,118 |
1,391 |
1,680 |
$11,001 - 12,000 |
$495 |
556 |
827 |
1,068 |
1,261 |
1,569 |
1,893 |
$12,001 - 13,000 |
$552 |
623 |
896 |
1,175 |
1,408 |
1,752 |
2,081 |
$13,001 - 14,000 |
$611 |
691 |
977 |
1,281 |
1,558 |
1,940 |
2,269 |
$14,001 - 15,000 |
$672 |
761 |
1,058 |
1,387 |
1,713 |
2,132 |
2,457 |
Umbrella Plan: $50,000
Total Medical Coverage |
$15 |
20 |
25 |
33 |
42 |
53 |
63 |
Add an additional $5 per person per day for trips in excess of 30 days. For rates of trip costs over $15,000, please call Steve, Deanna, Becky, Teresa or Mary toll free at 1-888-407-3854. Note: Rates subject to change.
Click here to go directly to Protect Assist's secure online quote and purchase page
Ready to Order? It's easy (and safe) to order online or over the telephone - just call Steve, Deanna, Becky, Teresa or Mary toll free at 1-888-407-3854 (US & Canada) or 507-214-3854.
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