|This is a long page – You get lots of information and prices. Also, this plan is called the Protect Assist for residents of some States.
This is an overview of the Travel Guard Gold Plan. Coverage will vary based on your state of residence. Please refer to your state specific Description of Coverage or Policy for complete details by clicking on the plan links below.
Travel Guard Gold has its strengths & quibbles:
|Why Buy It?||Quibbles|
|The Gold Plan includes $25,000 Primary Medical Expense coverage if purchased within 14 days of your initial trip payment. You may double the coverage for a small extra cost.||The Gold’s Pre-ex waiver applies to the first $30,000 of trip cost per person for IN, KS, MT, NH, NY and WA residents ($100,000 for all other States)|
|The optional Emergency Evacuation Upgrade to $1,000,000 gives you Hospital of Your Choice Emergency Evacuation||Without the optional Emergency Evacuation Upgrade, Emergency Evacuation limited to the nearest adequate licensed medical facility|
|Travel Guard can arrange payment to a medical facility if needed to secure your admission||Travel Guard does not continue to pay any medical expenses from an illness or injury that occurred on your trip after you return home|
|The Gold plan has a 180 day Lookback period for all States except Indiana||You must insure 100% of all prepaid and non-refundable trip costs to get pre-existing medical condition coverage|
|Children under 18 are covered at no additional cost (except for optional upgrades) on the Gold plan when accompanied by a covered adult. The children must be related to, and traveling with the primary insured with a trip cost not exceeding adult’s trip cost.|
|If plan is purchased within 14 days of initial trip payment, the Medical Expense coverage will be Primary, you’ll receive coverage due to supplier financial default, a waiver of the pre existing condition exclusion, and the option to purchase Cancel for Any Reason coverage.|
|Cancellation due to Work Reasons coverage is included for no extra charge|
|The optional “Cancel For Any Reason” coverage provides reimbursement for non-refundable trip costs up to 50% of total trip cost.|
|You have a 15 day Satisfaction Guarantee|
|The Gold plan provides a Trip Interruption benefit of up to 150% of total trip cost|
|The Gold plan’s maximum trip length is 365 days|
|Travel Guard is 1 of the few companies we trust|
|If you already know you want the Travel Guard Gold plan, click here to go to Travel Guard’s secure online enrollment form. Or call us toll free at 1-888-407-3854 to purchase over the telephone.|
Travel Guard’s Gold plan is family-friendly:
At no additional cost, the plan covers all children age 17 and under who are travelling with and related to the primary adult named on the enrollment form. Offer does not apply to optional coverages. Child’s trip cost cannot exceed adult trip cost to obtain coverage at no additional cost. You get a break on your children’s travel costs, so why pay extra for their travel insurance, too?
Travel Guard Gold – Enter your state of residence and click “Continue”. Then click on “Coverage Details” to view your Description of Coverage or Policy.
|Secure online enrollment form link (you don’t pay extra fees using us)||Gold’s secure online purchase page|
|Who can get this?||Any US resident except NY & WA State residents|
Cancel For Any Reason
|50% of non-refundable trip costs|
|Satisfaction Guarantee||15 days|
|Trip Cancellation (per person)||100% of the insured trip cost|
|Trip Interruption (per person)||150% of the insured trip cost|
|Medical Expense (per person) Travel Guard can arrange payment to a medical facility if needed to secure your admission (this doesn’t mean paying your full bill).
||$25,000 Primary if purchased within 14 days of the initial trip deposit date, otherwise Secondary. You may double the coverage for a small extra cost.|
|Emergency Evacuation / Repatriation of Remains (per person)||$500,000|
|Waiver of the Pre-Existing Medical Condition Exclusion||Included if coverage is purchased within 14 days of Initial Trip Deposit Date|
|Pre-Existing Medical Condition Lookback Period||180 Days|
|Travel Baggage (per person)||$1,000|
|Baggage Delay (per person)||$300 (after 12 hours)|
|Trip Delay (per person)||$750 (after 5 hours) $150 per day|
|Missed Connection (per person)||$250 (after 3 hours)|
|24 Hour Accidental Death & Dismemberment (per person)||$10,000|
|Rental Car Collision / Loss Damage Waiver||$35,000 Optional Coverage, no deductible|
|Trip Cancellation/Interruption due to Financial Default||Included if plan is purchased within 14 days of Initial Trip Payment|
|Trip Cancellation/Interruption due to Terrorist Incident||Included|
|24-hour Assistance Services||Included|
|Flight Accident Insurance (per person)||You can get up to $1,500,000 per traveler as separate plans|
|Insurance Underwriter||National Union Fire Insurance Company of Pittsburgh, PA (A Rated)|
|Secure online order form link (you don’t pay extra fees using us)||Go to the Gold secure online order form|
Where are the Gold plan prices?
- Here are the up to $100,000 p/p trip cost prices for CA, KS, MD residents
- Here are the up to $100,000 p/p trip cost prices for the other 44 States’ residents
- You have to add 40% (or multiply it by 1.4) to the Gold rates to get the optional Cancel For Any Reason Benefit’s cost
- It’s the same price for a trip of up to 30 days
- The daily per person rates for a 31 – 365 days’ long trip are $5.25 – $23.89 depending on your age
- The Gold plan (not from us) has a $7 non-refundable service fee (not per person) you need to add to the prices below
- Here’s the Travel Guard secure online enrollment form
This is only a brief description of the coverage(s) available under policy series T30337NUFIC (Residents of New York state under policy series T30253NUFIC-NY. Residents of Florida under policy series T30253NUFIC. Residents of OR, GA, UT, WA and NH under T30342NUFIC). 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 is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, New York, NY 10038. It 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. Assistance Services are provided by Travel Guard.
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., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, New York, NY 10038. It 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. Travel assistance services provided by Travel Guard.
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