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The Travel Guard Essential Trip Cancellation Plan

This is an overview of the Travel Guard Essential Plan. Coverage varies 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.

Click here if you looking for the Travel Guard Preferred plan
Click here if you looking for the Travel Guard Plus plan

The Travel Guard 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.

The Travel Guard Essential plans have its strengths & quibbles:

Why Buy It? Quibbles
Round bullet point The Essential plan includes $15,000 Secondary Medical Expense coverage, $150,000 Emergency Evacuation Round bullet point The Essential plan has overall lower coverages
Round bullet point You have to buy the Essential plan within 14 days of your initial trip deposit date to cover pre-existing conditions & supplier financial default Round bullet point You must insure 100% of your per person prepaid, non-refundable trip costs to have the pre-existing conditions
Round bullet point The Essential plan’s optional Emergency Evacuation Upgrade doubles your Emergency Evacuation benefit
Round bullet point You can insure a maximum trip cost of $100,000 per person with both plans
Round bullet point Travel Guard can advance payment to a medical facility if needed to secure Your admission
Round bullet point There is a 180 day Pre-existing Condition Lookback Period
Round bullet point You have a 15 day Satisfaction Guarantee
Round bullet point Travel Guard’s maximum trip length is 365 days
Round bullet point Everyone with the same itinerary is considered a traveling companion
If you already know you want the Essential plan, click on one of the links above or call toll free at 1 – 888-407-3854 (US residents only) to order over the telephone

Travel Guard EssentialThe Essential plan covers you for up to $15,000 Secondary Medical Expense, $150,000 Emergency Evacuation and 100% Trip Interruption. 15 day money back satisfaction guarantee. US residents only. All benefits are expressed in U.S. dollars.

Travel Guard’s Descriptions of Coverage: (DOC)

Essential – Look for the “Coverage Details” and click on the “Description of Coverage or Policy” after you enter your State of Residence
A brief description is below. For complete coverage, terms, conditions and exclusions, select the desired Basic or Essential DOC. You may click on the link to view or download it

 

The Travel Guard Essential Plan Covers:

Plan Name Essential
Secure online order link (you don’t pay extra fees using us) Essential secure online purchase page
Satisfaction Guarantee 15 days
Trip Cancellation (per person) Up to the insured amount
Trip Interruption (per person) Up to the insured amount
Secondary Medical Expense (per person) $15,000
Emergency Evacuation / Repatriation (per person) $150,000
No Pre-Existing Condition Exclusion Waiver Plan must be purchased within 14 days of Initial Trip Payment
Pre-Existing Condition Lookback Period 180 Days
Baggage & Personal Effects Loss (per person) $750
Travel Baggage Delay (per person) $200 (after 24 hours)
Trip Delay (per person) $500 ($100 a day after 12 hours)
Trip Cancellation/Interruption due to Financial Default Included if plan is purchased within 14 days of Initial Trip Payment Date
Flight Guard Flight Insurance Up to $500,000 Flight Insurance is available
Car Rental Collision Coverage $35,000 Coverage with no deductibles
Trip Cancellation / Interruption due to Terrorist Incident coverage in Itinerary City Included
24-hour Assistance Services Included
Insurance Underwriter National Union Fire Insurance Company of Pittsburgh, PA (A Rated)
Secure online order link (you don’t pay extra fees using us) Go to the Essential’s secure online enrollment form

Click here for the Travel Guard Essential secure online purchase 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.

Ready to Purchase? It’s easy (and safe) to purchase online or over the telephone – just call Steve toll free at 1-888-407-3854 or 816-282-6858.


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