If you are going to Costa Rica, you can add the Costa Rica Lodging Expense Bundle, when you buy this plan, which includes the following Upgrades:
- Travel Inconvenience Maximum increased to $2,750
- Adds the following events to the Travel Inconvenience Benefit
- Bed Rest Accommodation $2,000
|The Travel Guard Preferred prices aren’t guaranteed. They can change day to day and are based on multiple price factors.|
|Travel Guard’s COVID-19 Notification
FOR POLICIES PURCHASED ON OR AFTER MARCH 11, 2020
On March 11, 2020, the World Health Organization (WHO) declared Coronavirus (COVID-19) a pandemic. Therefore, any losses for trip cancellation, trip interruption and/or trip delay caused by or resulting from quarantine due to COVID-19 is not considered “Unforeseen” and will not be covered under the terms and conditions of this insurance policy.
However, this does not affect any Medical Benefits available under the insurance policy. If you contract COVID-19 prior to departure, you would be covered for Trip Cancellation, if you have a confirmed and documented diagnosis and/or you are medically unable to travel at the time of departure due to COVID-19. If you contract COVID-19 while on a covered trip, you would be covered for Medical Expense and Trip Interruption/Curtailment benefits if you have a confirmed and documented diagnosis.
Please thoroughly read the Description of Coverage for your insurance policy and note that Travel Guard offers a free-look period, which means you can cancel this insurance policy by giving us written notice within 15 days from the Effective Date of your insurance policy to receive a refund of the premium paid (provided that you have not started your trip or filed a claim). For New York residents, please call 1-800-826-1300 for more information about refunds.
If you have already purchased an insurance policy, the facts and circumstances surrounding your trip and the terms and conditions of your policy will determine the extent of coverage for COVID-19 related claims.For more information, please visit https://www.travelguard.com/travel-news/coronavirus-advisory.
This is an overview of the Travel Guard Preferred 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. If there are any conflicts between the information on this page and the your insurance policy, the policy terms will govern in all cases.
Travel Guard Preferred has its strengths & quibbles:
|Why Buy It?||Quibbles|
|The Preferred Plan includes $50,000 Primary Medical Expense coverage if purchased within 15 days of your initial trip payment. You may double the coverage for a small extra cost with the Medical Bundle.||You must insure 100% of all prepaid and non-refundable trip costs to get pre-existing medical condition coverage|
|The optional Emergency Evacuation Upgrade to $1,000,000 gives you Hospital of Your Choice Emergency Evacuation||Without the optional Emergency Medical and 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||Coverage for you when a Family Member not traveling with you requires that any injury or sickness is considered life-threatening, as certified by a Physician or they require Your immediate care.|
|The Preferred plan has a 180 day Lookback period for the pre-existing medical condition exclusion.|
|If plan is purchased within 15 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|
|You have a 15 day Satisfaction Guarantee. The Guarantee is conditional in that no claims can be filed and the insured cannot have left on their trip.|
|The Preferred plan provides a Trip Interruption benefit of up to 150% of total trip cost|
|The Preferred 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 Preferred plan, click here to go to Travel Guard’s secure online enrollment form. Or call toll free at 1-888-407-3854 to purchase over the telephone.|
Travel Guard’s Preferred 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 Preferred – 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)||Preferred’s secure online purchase page|
|Who can get this?||Any US Resident|
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).
||$50,000 Primary if purchased within 15 days of the initial trip deposit date, otherwise Secondary. You may double the coverage for an extra cost with the Medical Bundle.|
|Emergency Evacuation and Repatriation of Remains (per person)||$500,000|
|Waiver of the Pre-Existing Medical Condition Exclusion||Included if coverage is purchased within 15 days of Initial Trip Deposit Date|
|Pre-Existing Medical Condition Lookback Period||180 Days|
|Baggage and Personal Effects (per person)||$1,000|
|Baggage Delay (per person)||$300 (after 12 hours)|
|Trip Delay (per person)||$200 per day, to a maximum of $800 (after 5 hours)|
|Missed Connection (per person)||$1,000 (after 3 hours)|
|Trip Cancellation/Interruption due to 3rd Party Financial Default||Included with a 14 waiting period after purchase|
|Trip Cancellation/Interruption due to Terrorist Incident||Included|
|24-hour Assistance Services||Included|
|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 Preferred secure online order 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.
Due to Licensing rules, Steve Dasseos is the only person authorized to give specific Travel Guard plan details about a Travel Guard plan over the phone or via email.
PPS - Even though TripInsuranceStore.com is the world's most informative travel insurance website, you are still responsible to know the coverage terms, conditions, limitations, and exclusions of your plan. No comments or explanations confirm or deny coverage. You need to refer to each plan's policy wording.
PPPS - The Trip Cancellation coverage begins at 12:01 a.m. on the day after the date the policy is purchased. All other coverages begin when you leave home for your trip when your departure date is in the future.
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