Essential Travel Insurance Plan
Savvy coverage that helps give you peace of mind on a budget.
You have a budget. But you also want coverage for your trip. We get it. Whether you are traveling for business or pleasure, basic coverage and access to 24/7 travel assistance service can come in very handy. Want assistance with rebooking flight and hotel? Interested in the latest news on where you are traveling? Prefer to have coverage for pre-existing medical conditions? Want trip cancellation, trip interruption and trip delay coverage? Need coverage for lost, stolen or damaged baggage? It’s all right here and can be yours in minutes. Travel Guard Essential insurance plans are a simple way to cover yourself on a budget.
Essential Standard Coverages
Trip Cancellation: 100% Trip Cost
Reimburses nonrefundable, unused payments or deposits if you must cancel or interrupt your trip due to an illness, injury, or death of you, a family member, traveling companion or business partner or other covered reasons.
Trip Interruption: 100% Trip Cost
Reimburses nonrefundable, unused payments or deposits if you must cancel or interrupt your trip due to an illness, injury, or death of you, a family member, traveling companion or business partner or other covered reasons.
Trip Interruption – Return Air Only: $500
Reimburses the additional airline transportation expenses incurred by you to reach the return destination for trip interruptions due to one of the Unforeseen events shown in the Trip Interruption section.
Trip Delay: $500
Reimburses up to $150 per day for reasonable additional expenses until travel becomes possible if your trip is delayed for more than 5 hours due to covered reasons.
Baggage & Personal Effects: $750
Reimburses you if your luggage is lost, damaged, or stolen while on your trip.
Baggage Delay: $200
Reimburses you for the purchase of necessary personal effects if your bags are delayed for more than 12 hours.
Accident Sickness Medical Expense: $15,000
Pays for medical expenses incurred while on a trip.
Emergency Evacuation and Repatriation of Remains: $150,000
Covers evacuation expenses as directed by a physician to the nearest adequate medical facility or home in the event of death or if medically required.
Extra Coverages
(when coverage is purchased within 15 days of initial Trip Payment)
Pre-Existing Medical Condition Exclusion Waiver
With the waiver it's possible to be covered for some medical issues on your trip, despite your pre-existing condition.
Trip Cancellation and Interruption Coverage
Covered reasons for Trip Cancellation and Interruption expanded to include Financial Default of an airline, cruise line, or tour operator.
$25,000 Accidental Death & Dismemberment
Coverage increases to $50,000 when purchases early.
Assistance Services**
All Assistance Services listed below are not insurance benefits and are not provided by the Company. Travel Guard provides assistance through coordination, negotiation, and consultation using an extensive network or worldwide partners. Expenses incurred from third-party vendors for assistance services not part of a filed insurance plan are the responsibility of the traveler.
Travel Medical Assistance**
A menu of services available for emergency medical requests, including prescription replacement, physician referrals, medical evacuations, and more.
Worldwide Travel Assistance**
Assistance with any travel emergency or request for general travel information, including lost, stolen or delayed baggage; replacing lost passport or travel documents; emergency cash transfers; pre-trip travel advice; inoculation information; and more.
Emergency Travel Assistance
24-hour hotline to make emergency travel changes, such as rebooking flights, hotel reservations, tracking lost luggage and more.
Concierge Services**
Whatever you need, whenever, or wherever you need it, you can call on your own personal assistant to help. Services include tee time reservations, restaurant referrals and reservations, wireless device assistance, sporting or theater tickets, and more. If you need it, we'll find it for you.
Personal Security Assistance
Assistance to help maintain personal safety and personal information while traveling. Services include evacuation assistance, 24/7 access to security and safety advisories and more.
**Non-insurance services provided by Travel Guard.
Optional Coverage*
The following will be included if elected and appropriate costs have been paid.
Emergency Evacuation Upgrade
Evacuation benefit limit will double.
Accidental Death & Dismemberment
Coverage for accidental death or dismemberment that occurs when traveling on a regularly scheduled flight or charter. Amount selected from the minimum of $100,000 up to a maximum of $500,000.
Car Rental Collision Coverage
$35,000 in primary coverage, subject to a $250 deductible. Covers physical damage to a rental car for which the car rental contract would hold you responsible. (Coverage is not available to residents of Kansas or Texas.)
* Optional coverages cannot be purchased separately and may vary by state.
Pre-Existing Medical Condition Exclusion
If you're worried about traveling because you have a pre-existing medical condition, you should know that on many Travel Guard policies purchasing your travel insurance the same day you make your first trip deposit (or shortly after) may qualify you for the pre-existing medical condition exclusion waiver.
Pre-Ex Exclusion Waiver
The Company will waive the pre-existing medical condition exclusion if the following conditions are met:
- Purchasing the travel insurance with your first trip deposit, or shortly thereafter as explained in the policy;
- The amount of coverage purchased equals all prepaid, non-refundable trip payments or deposits, and the cost of any subsequent arrangements added to the same trip are insured by the date of payment or deposit for the additional arrangements;
- You are medically able to travel when your travel insurance policy is purchased.