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Travel Guard Insurance Review: Is It Worth the Cost?

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Table of Contents

What is Travel Guard travel insurance?

What does travel guard cover, travel guard policy overview, what’s not covered by a travel guard travel insurance plan, how travel guard travel insurance compares to its competitors, how much is travel guard travel insurance, how to buy a travel guard travel insurance policy, which travel guard travel insurance plan is best for me, does travel guard travel insurance offer 24/7 travel assistance, how to file a claim with travel guard travel insurance, is travel guard travel insurance worth it, travel guard travel insurance recapped, star rating methodology.

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard travel insurance is a great option for last-minute travelers. There are four plans from which to choose. Costs are reasonable, and plans allow more customization than you'd normally find on travel insurance policies.

Why trust NerdWallet?

Our Nerdy editorial team aims to be a starting point in your travel insurance research. We default toward transparency and follow a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers and advertising relationships do not influence our ratings. Learn more about our strict editorial guidelines .

Travel Guard offers a variety of plans for prospective customers, including plans oriented toward sports enthusiasts, last-minute travelers and those looking to save money.

Policies issued by Travel Guard are underwritten by National Union Fire Insurance Company of Pittsburgh. According to insurance rating firm AM Best, National Union Fire Insurance Company has a Financial Strength Rating (FSR) of A (excellent). This means it’s unlikely to default on any payments.

Travel Guard travel insurance coverage has a lot of variety. Depending on which plan you pick — Essential, Preferred, Deluxe or Pack N' Go — you’ll have trip protections and some medical coverage.

Generally speaking, here is what to expect when purchasing a Travel Guard policy:

Trip interruption and trip cancellation : These coverages can reimburse you for nonrefundable expenses that you’ve already paid in the event that your trip is canceled or interrupted. Trip cancellation protection is not included in the Pack N' Go plan.

Travel Guard health insurance coverage : This health insurance coverage can pay for costs associated with emergency medical services during your trip.  

Trip delay : Trip delay can cover expenses such as food and accommodation in the event your travel is delayed.

Emergency evacuation : If you need medical care at another facility and need to be evacuated, emergency evacuation can cover the costs. 

Baggage insurance : Baggage insurance includes coverage for lost and delayed luggage, and can reimburse you for the cost of replacing lost items or purchasing new ones in the event of a delay. 

Travel Guard's policies have a broad array of inclusions. It offers three comprehensive single-trip plans that can be customized to meet your travel needs. It also offers a plan designed for last-minute trips that focuses on post-departure coverage — this plan is much more affordable, but offers fewer protections.

The company also offers an annual travel insurance plan if you travel frequently and want year-round protection.

Add-on options

The types of add-ons you can include will vary based on your plan but can include:

Quarantine coverage. 

Adventure sports.

Boarding and medical expenses if your pet gets sick.

Wedding cancellation.

Inclusion of a family member for coverage. 

Cancel For Any Reason (CFAR).

Rental car insurance . 

Medical coverage upgrade.

Evacuation for non-medical reasons. 

Don’t want to shell out for travel insurance? A variety of travel credit cards offer complimentary trip insurance assuming you pay for the trip with your card.

» Learn more: The best travel credit cards right now

Travel Guard offers plenty of options when it comes to customizability, which is great for those who need additional coverage. For example, most insurance policies automatically exclude adventure sports. The same is true for Travel Guard, unless you add on the adventure sports bundle.

You’ll want to be aware that all three of Travel Guard’s comprehensive plans will cover pre-existing conditions. However, the Pack N’ Go plan does not.

Here’s what else isn’t covered:

Coverage for trips paid for with frequent flier miles or loyalty rewards programs : Travel Guard will only protect the trips you pay for with cash. If you’re redeeming your points for that bucket list trip, you unfortunately won’t qualify for coverage.

Baggage loss for eyeglasses, contact lenses, hearing aids or false teeth: These items should be kept with you in your carry-on as a general rule, so they won’t be covered by a Travel Guard policy.

Known events : If you knowingly book a trip with some inherent risks, it won’t be covered. For example, once the National Weather Service issues a warning for a hurricane, it becomes a known event.

Beyond this, most travel insurance plans have specific exclusions to their coverage, including:

Activities when you’re under the influence of drugs or alcohol.

Extreme sports.

Named storms. 

Participation in athletic events. 

A sample trip for a 36-year-old traveler from Indiana to Canada for 5 days showed that the cheapest Travel Guard plan cost $135. If you were to spring for the premium plan, which increases your coverage limits, expect to pay $236.

When looking across multiple providers, the same sample trip ranges in cost from $10-$202. Note that price isn't the only differentiating factor. Coverage is not identical across plans; each company offers various levels of scope, limits and exclusions.

How much does Travel Guard travel insurance cost? Travel Guard’s travel insurance cost has quite a big spread based on the plan you select.

We generated a quote for a 34-year-old traveler from California heading to Japan for a week, with a total trip cost of $2,700. Here’s how pricing shook out.

A reminder that the Pack N' Go plan is designed for spontaneous trips, so it has less protections for trip cancellation. It also doesn't include the option to get a pre-existing conditions waiver.

Like most travel insurance companies, Travel Guard travel insurance costs much more when you add in greater trip protection benefits.

If you’d like to buy a Travel Guard insurance plan, your best bet is to do so online. The process is simple and efficient and can be done in a matter of minutes. First, you’ll want to head to Travel Guard’s homepage . You’ll be prompted to fill out some personal information to create a quote, including:

Dates of travel.

Destination country.

State of residence. 

When you first made a payment for your trip.

Trip cost. 

Consider comparison shopping

If you're not 100% sold on purchasing a plan from Travel Guard, you can use a travel insurance aggregator to compare policies across multiple companies at once.

To decide which Travel Guard plan is best for you, you’ll want to consider what kind of trip you’re taking.

Look at coverage details

If you don’t need coverage for trip cancellation, Pack N’ Go is significantly cheaper than other options but still provides emergency medical, trip interruption and baggage insurance.

If you’d like to have as much choice as possible, the Deluxe plan offers lots of add-ons, so you can select the ones that fit your needs.

Use existing coverage

Many travel credit cards offer travel insurance, though coverage levels will vary. To qualify for this complimentary insurance, you’ll need to pay for your trip using your eligible card. Common card benefits include trip interruption insurance, baggage delay reimbursement and emergency medical insurance.

» Learn more: How to find the best travel insurance

Yes, Travel Guard provides 24/7 travel assistance. These folks can help you with issues such as finding an English-speaking doctor, helping you after you’ve missed a connection, replacing a lost passport and more.

To reach these services, call 800-927-4357.

If you need to file a claim with Travel Guard, you can either do so online or via phone. The phone number is 866-478-8222.

Online, you can head directly to Travel Guard’s claim form . You’ll need to have your policy number on hand as well as any documentation that you have.

Is Travel Guard travel insurance good? With a variety of plans from which to choose — including one that is significantly cheaper than the others — it’s easy to justify purchasing a Travel Guard policy. To decide whether it’s worth it for you, you’ll want to look at the different policy limits and see which fit your needs.

You’ll also want to do some research; some credit cards offer complimentary travel insurance, which may mean you don’t need to buy a policy at all. Some health insurance plans also offer coverage when you’re overseas , so be sure to ask your insurance provider.

If you’re already at the airport (or on a connection) and your flight is canceled, you may have coverage via trip delay insurance. This coverage can help repay costs such as food, lodging and toiletries.

The time it takes for you to receive a refund for a claim will depend on a variety of factors. It’s best practice to provide as much information as possible when submitting the claim to make the process go smoothly. You can also check the status of your existing claim online .

The medical insurance offered by Travel Guard is primary; otherwise, you’ll want to check your plan documents to see which coverages are primary versus secondary.

Yes, Travel Guard insurance covers instances of COVID.

The time it takes for you to receive a refund for a claim will depend on a variety of factors. It’s best practice to provide as much information as possible when submitting the claim to make the process go smoothly. You can also check the status of your existing claim

» Learn more: Is travel insurance worth it?

Travel Guard offers several trip insurance plans with varying degrees of coverage. Some plans also allow you to purchase optional upgrades such as CFAR and auto rental coverage. Plan availability differs by state, so make sure you input your trip details to see what plans are available to you.

If you have a premium travel credit card , you may already have some elements of travel insurance coverage included for free. Before you decide to purchase a comprehensive policy, check what coverage you may already have from your credit card.

Travel insurance

NerdWallet's ratings for travel insurance companies take into account the following details about each insurer:

Scope of coverage.

Customizability.

Consumer experience and complaints.

The best travel insurers excel in all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and allow customers to customize plans to meet their coverage preferences. They're also able to keep their customers happy throughout the relationship.

Data collection and review process

NerdWallet collects over a dozen data points for each insurer we analyze from their public-facing websites and third-party analyses. These data points are then compared against one another and against NerdWallet's standards for good travel insurance companies to determine a star rating.

Data is collected on a regular basis and reviewed by our editorial team for consistency and accuracy. Final star ratings are presented on a scale of one to five stars, where a one-star score represents "poor" and a five-star score represents "excellent."

The reviews team

The writers and editors behind NerdWallet's travel insurance reviews are insurance specialists who have had their work featured by or appear in The Associated Press, The Washington Post, The New York Times, the Chicago-Sun Times, U.S. News & World Report and the Society for Advancing Business Editing and Writing. Each writer and editor follows NerdWallet’s strict guidelines for editorial independence .

In addition to travel insurance, the team covers travel rewards programs, airlines and hotels.

Rating specifics

Our star ratings are weighted based on our editorial and professional opinions. We use the following weightings when rating travel insurers:

Scope of coverage (25%).

Customizability (25%).

Consumer experience and complaints (25%).

Cost (25%).

Scope of coverage ratings are based on assessments of a company’s standard protections, including:

Travel medical insurance.

Trip cancellation.

Trip interruption.

Trip delay.

Baggage and personal belongings, lost luggage.

Emergency medical assistance.

Emergency medical evacuation.

Emergency medical repatriation.

Accidental death and dismemberment insurance.

Rental car coverage.

Customizability ratings factor in whether coverage limits are fixed prices or a percentage of the trip cost (the percentage is generally better), whether a policy has customizations available, and the number of bonus features.

24-hour assistance.

Pre-existing medical conditions coverage.

Extreme sport coverage.

CFAR add on availability.

Travel health insurance.

Interruption for Any Reason.

Travel Inconvenience.

Cancel for Work Reasons.

Electronics coverage.

Consumer experience ratings are based on provider reviews on Squaremouth.com. If the company is not in the Squaremouth database, we default to Google reviews.

Affordability ratings are based on the percentage of total trip cost a plan costs a policyholder. Less than 4% is considered excellent, whereas over 9% is considered poor.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

IHG One Rewards Premier Credit Card

Earn 5 free nights at an IHG property after $4k in spend (each night valued at up to 60k points).

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Private client group.

Policyholders in the U.S. can make online payments.

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AIG Travel Guard

Get a quote in less than two minutes and travel with more peace of mind.

Travel Guard Plans

Compare coverage levels and pricing on our most popular plans with our product comparison tool—and find a Travel Guard plan that’s right for you. 

Deluxe Plan

Our top-of-the-line, comprehensive travel coverage that sets the standard.

Preferred Plan

A comprehensive travel plan with superb coverage and service from start to finish.

Essential Plan

Savvy coverage for the budget-minded traveler.

Pack N' Go Plan

Immediate coverage for unplanned trips and adventures

Annual Travel Insurance Plan

Year-round coverage for your travel investments.

Millions of travelers each year trust AIG's Travel Guard to cover their vacations

Travel insurance plans provide coverage for certain costs and losses associated with traveling. Travel Guard ® helps you navigate canceled flights, lost bags, sudden health emergencies, and much more—almost anywhere in the world. Whether you’re planning a two-day getaway, a cruise, an adventure vacation, or a month-long international holiday, our plans help cover travelers and their trip inverstments.

Education Center

Sort through common questions about travel insurance

Traveler Resources

Safety information and travel tips for travelers

Preparing travelers wherever their journey takes them

AIG Travel CEO Jeff Rutledge shares how the underlying risks of travel have changed and what AIG is doing to help companies and individuals manage risks.

Coverage available to residents of U.S. states and the District of Columbia only. These plans provide insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of each policy with your existing life, health, home, and automobile insurance policies, as well as any other coverage which you may already have or is available to you, including through other insurers, as a member of an organization, or through your credit card program(s). If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc .(Travel Guard). California lic. no. 0B93606, 3300 Business Park Drive, Stevens Point, WI 54482,  www.travelguard.com.  CA DOI toll free number: 800-927-HELP.

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 1271 Ave of the Americas, Floor 41, New York, NY, 10020-1304. 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.

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What Is Expedia’s Travel Insurance Policy?

As much as we want our vacations to go according to plan — and many actually do — travel mishaps aren’t exactly uncommon. However, if you booked your trip with Expedia and took advantage of one of the company’s various travel insurance options, you won’t be left high and dry, figuring out solutions on your own. These plans are designed to protect you and your fellow travelers if something goes awry.

Insurance options include hotel, flight and vacation package coverage plans, each with different protection for the different aspects of your trip. Each insurance plan derives from a partnership between Expedia and Travel Guard insurance . Regardless of which type of plan you select, you can manage your trip, file claims (if necessary) and keep everything on track using Expedia’s accompanying online portal.

Basics of Expedia’s Travel Insurance Policy

Expedia partners with Travel Guard to provide travel protection services for your next vacation or any other trips you take. These services include flight insurance, hotel insurance, cruise insurance and even insurance for your entire vacation package. Expedia’s Package Protection Plan goes into effect once the company receives the appropriate plan payment.

Before choosing a plan, it’s important to browse through the descriptions and summaries of the different protection options to see what is covered and what isn’t. It won’t do you any good to pay for coverage you don’t need, and you also don’t want to risk any unpleasant surprises because you believe something is covered that isn’t.

You can access Expedia’s Customer Service Portal at any time after purchasing your insurance to change or manage your upcoming trip, check for government travel alerts and warnings, book a flight using airline credits, change the components in your vacation package and more. Expedia’s most current information is available through this portal.

Flight Insurance

Expedia has partnered with AIG’s Travel Guard to provide flight insurance via Flight Cancellation Plan and Flight Protection Plan insurance options. The Flight Cancellation Plan insures all domestic flights within the United States, except for Hawaii and Alaska. Under this insurance plan, you can expect to be reimbursed for the entire cost of your trip if you must cancel or shorten your trip for covered reasons. Each state has its own limitations and exclusions for residents.

The second flight insurance option is the Flight Protection Plan, which is available for all flights outside of the continental U.S., including Alaska and Hawaii. This plan includes everything you get in the Flight Cancellation Plan, plus additional benefits, such as medical assistance and coverage for any loss or theft as well as damage to your baggage or personal belongings. Accidental death is also covered under this plan.

To book flight insurance coverage, you can add the insurance to your flight during checkout or for a period up to 24 hours after your purchase. You can cancel the insurance before your trip for up to 15 days after you book the flight as long as you haven’t filed a claim. If you pay for the insurance at the same time as your flight and then cancel the flight online, your insurance purchase will also be canceled.

Hotel Insurance

Expedia also offers two Travel Guard hotel insurance options: Hotel Booking Protection (U.S. hotels only) and Hotel Booking Protection Plus (outside U.S.). The Hotel Booking Protection plan covers trip cancellation as well as trip interruption for up to the total cost of the trip. Trip delay coverage can be used if you experience a delay of six hours or more or if a delay causes you to miss a night of a hotel stay. Baggage delay insurance protection is also included in this insurance plan. If you need to cancel or shorten your trip due to covered reasons, you will be reimbursed for the total cost of your trip, up to a maximum of $3,000.

The Hotel Booking Protection Plus plan includes everything the Hotel Booking Protection plan offers along with expense coverage for accidents, sickness and certain medical conditions. You also have insurance protection in the event of an emergency evacuation. These extra coverages are only available when staying in hotels outside the U.S.

Cruise Insurance

Expedia’s Cruise Travel Protection plan covers you if your cruise is canceled or unavoidably delayed. It also provides coverage in the event of unforeseen medical expenses along with lost luggage. Make sure you read the terms carefully for limitations and exclusions.

Vacation Package Insurance

Through its partnership with Travel Guard, Expedia provides two vacation package travel insurance options: Package Protection Plan and Pre-Travel Vacation Waiver. With the Package Protection Plan , your coverage protects you when you must cancel for certain covered reasons. You also get insurance coverage for trip delays and interruptions as well as medical expenses you may incur after your departure.

Just as the name indicates, the Pre-Travel Vacation Waiver provides protection from certain costs before you travel but doesn’t provide any coverage on your trip. The waiver allows you to cancel or change your package reservation one time before your scheduled travel date without paying any fees to make these changes.

MORE FROM ASKMONEY.COM

Why You Should Think Twice Before Buying Rental Car Insurance From Expedia and Others

By William J. McGee

August 26, 2024

I have spent 39 years working in the travel industry, writing about travel, and advocating for travelers, but just like everyone, I still get caught off guard by consumer gotchas. No matter how much I know about travel, there are always new hurdles to overcome. 

I made a new discovery on a road trip vacation last week after I thought I had properly purchased car rental insurance protection. The coverage I booked through Expedia turned out not to work for the rental car company I chose.

How travel booking sites sell you insurance

For my trip, I had shopped online before booking a 6-day rental of a compact car from Thrifty on Expedia for $229.23, including all mandatory taxes and fees. I knew I would be driving quite a bit—more than 1,000 miles throughout the Southwest—so I thought it best to buy insurance coverage, and I opted for the “rental car protection” option that popped up during the booking.

The policy was flagged by Expedia as “Highly recommended” and it even required a mandatory opt in/opt out before my booking could even be completed. 

I selected the package that included coverage for “certain theft, vandalism, and collision damage” for $10.00 per day, totaling $60.00. Therefore, my total charge, car and insurance, would be $289.23.

Imagine my surprise when I arrived at the rental counter in San Antonio. (After a one-hour wait to speak to someone—but that’s a complaint for another day.) The agent politely asked if I would like to purchase insurance coverage. 

I told her I already had.

She shook her head and quoted me the rate of $229.23, which didn’t include the insurance I had bought.

I retrieved the printed copy of the AIG/Travel Guard policy confirmation (pictured below), proving that I had paid Expedia $60.00 for daily coverage.

She explained that no, this was “third-party” coverage, and it was not fully recognized by Thrifty.

What “third-party” insurance coverage really means

Rental car desks sell Collision Damage Waivers (CDW) and Loss Damage Waivers (LDW) that are just that: agreements that waive your responsibility after accidents or other mishaps. As the car rental company Thrifty notes  on its site , in most cases purchasing them will mean you won’t have to file a claim or pay a deductible in case of damage. In simple terms, if you buy it from Thrifty, you can walk away. (Or fly away.)

The agent broke it down:

Yes, the coverage would apply in the unfortunate case of an accident, theft, etc.

But …Thrifty would not waive my responsibility as it would have done with a damage waivers that it had issued itself. 

In other words, if I had an accident with my third-party coverage, I could not just “walk away.” The burden would still be on me to sort everything out.

I would still have to personally perform as a go-between for a complicated tangle of parties that would include Hertz/Thrifty (which rented the car), Expedia (which sold the rental and the insurance), and AIG/Travel Guard (the insurer behind the box that I’d clicked), plus anyone else who might be involved.

So let’s lay out the problem here. If you are using your own coverage for a rental (via a credit card or your existing personal insurance policy), then you’re accepting that in the case of an accident, you agree to work through any settlements with your bank or insurance company all by yourself. 

If I had been involved in even a minor accident during this rental, any damage to my rental car would not have been waived by Thrifty on the Expedia policy—but it would have been waived had I purchased a policy directly from Thrifty. 

In theory, if the accident was complicated, I could be tied up for weeks or months trying to figure out on paperwork and settlements and chase down customer service representatives.

You’d have thought that the coverage Expedia sold me would have prevented that. The whole point of purchasing a rental waiver, you'd think, is to waive away negotiations, settlements, and administrative hoops. 

I learned my lesson. The next time I book CDW or LDW, I’ll purchase such waivers directly through the rental firm.

Before I left the counter, as if to drive home the mistake I made, the agent had me sign an agreement showing I had “declined” all four of Thrifty’s insurance products. 

That night, I double-checked my credit card account and found the rental charge of $229.23 had been debited by Thrifty's parent company Hertz, while the insurance charge of $60.00 had been debited separately by Expedia. Indeed, the insurance I bought was not from Thrifty itself.

What the travel booking sites don't tell you about insurance

Whenever I encounter travel industry problems on the road, I always try to reverse-engineer to see what I—and others—can learn. 

Unfortunately, in this case Thrifty’s website was not much help. I thoroughly searched and could find no mention of insurance waivers, let alone mentions of third-party booking site waiver policies. The site’s “Extras & add-ons” page only details child seats and disabled driver assists. 

I had to leave the rental car company’s site and use a search engine to locate the info on Thrifty’s site. 

Of course, if I had chosen to book via Thrifty.com, then during the booking process I would have been offered several insurance options, ranging from $7.51 to $34.99 a day for a compact car. But finding that info in advance of actually booking isn’t easy.

The site of Thrifty’s corporate parent Hertz offers better info on insurance products. And Hertz does a good job explaining how personal auto insurance policies and/or credit card coverage may or may not be adequate for rentals. 

But renters don’t do a good job of explicitly warning you that third-party booking sites may present challenges .

And what of Expedia? Well, a web search will lead you to a handy page on Expedia.com entitled “ Demystifying car rental insurance .” It’s a detailed and helpful guide to the very Travel Guard product I purchased. But it still does not address purchasing rental coverage through third-party sites.

Finally, I also followed up with AIG/Travel Guard. But there, too, there was no warning about car rental companies not recognizing outside waivers.

Should you buy insurance from Expedia or similar booking sites?

Rental car insurance can make a lot of sense  in some cases , but not in others. What’s more, it  differs considerably  from the auto insurance you might have on your own personal vehicles at home.

• If you’re purchasing an insurance waiver during any booking process, then make sure it will truly waive any post-travel hassles. That might mean that you have to buy such coverage directly through the rental firm, not through a third party.

• Don’t wait until you’re standing on a (likely very long) line at the counter to consider your options. There are instances where your own credit card, car insurance, and even home insurance coverage may be adequate, and other times when buying coverage makes sense. Research this in advance, especially since some rental agents are incentivized to both scare you and upsell you at the counter.

Thankfully, my 1,129-mile trip was free of problems and the rental insurance wasn’t needed in the end. But it’s 2024, and online travel bookings seem to be getting more—rather than less—complicated. 

Add third-party car rental insurance to the growing list labeled caveat emptor —“let the buyer beware.”

William J. McGee is the Senior Fellow for Aviation & Travel at American Economic Liberties Project. An FAA-licensed aircraft dispatcher, he spent seven years in airline flight operations management and was Editor-in-Chief of Consumer Reports Travel Letter . He is the author of Attention All Passengers and teaches at Vaughn College of Aeronautics. There is more at www.economicliberties.us/william-mcgee/ .

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Filing a Claim With Travel Guard Insurance Provider

When you need to file a claim with Travel Guard, call 1-800-826-1300 between the hours of 7a.m. and 7 p.m. CST to request a claim form. There are eight different types of claims that can be filed through Travel Guard, including:

• Trip Cancellation
• Trip Interruption
• Travel Delay
• Medical Expenses
• Baggage Loss
• Baggage Delay
• Change of Mind
• Collision Damage Waiver

Each of these claims require different documentation for the claim to be properly processed. Details about proper claim documentation can be found on the claims page here http://www.travelguard.com/aboutus/claims/claimsTG/ .

About a Travel Guard Insurance Travel Plan

Travel Guard is a travel insurance company that collaborates with more than 10,000 travel companies to provide travel insurance for customers in more than 160 countries. Everything from medical expenses to lost baggage coverage is available from Travel Guard. Travel Guard operates as a Chartis Insurance company.

Coverage Details

Coverage details for travel insurance from Travel Guard may differ from one state to the next. In order to learn more and compare plans, you must enter your state of residence. Some of the insurance policies available through Travel Guard include:

• Single Trip
• International
• Golf Travel
• Travel Medical
• Family Travel
• Business Travel

Where to Get a Quote: Travel Guard Insurance Contact Info & Login

If you’d like to get a quote for travel insurance, you can visit http://buy.travelguard.com/TGI2/proc/stateselector.aspx?br=tgdirect&pcode=MYTG&intcmp=clc-001-WYWI-Jan12-Cruise1-Btm&arc=000329 and enter your state of residence (in the United States). Once you enter your state, you’ll be asked to fill in some information about your trip, including your destination, departure date, trip deposit date and final payment date. You will also be asked the number of travelers and their dates of birth.

For more information on a current policy, you can use one of the contact numbers or email address below. You can also visit the customer service page to log in to your account, modify your insurance details and more at http://www.travelguard.com/customerservice/?intcmp=clc-001-Nav-5-CustomerService .

By phone: 1-800-826-1300

By phone (emergency contact): 1-800-826-4919

By email: Use the contact form here http://www.travelguard.com/aboutus/contactus/ to contact the customer service department.

Travel Guard 3300 Business Park Drive Stevens Point, WI 54482

Official website: http://www.travelguard.com/

To check on your claim status , go to http://buy.travelguard.com/tgi2/support/claims.aspx?br=tgdirect and enter your Claim Number and Claimant’s Last Name and click the View Claim Status button.

My wife and I experienced a 24 hour trip delay on our trip to Amsterdam on April 25, 2013. A copy of our trip invoice from Viking River Cruises and a copy from United Airlines explaining their flight delay was mailed to your office on June 24, 2013 and received in your office and signed for on June 24, 2013. When I went to your web site to check on my claim it said the records cited above had not been received. I would like to have an explanation about the situation, and be told when the claim will be processed and paid. David L. Sockler

Website is terrible. Cannot find claim form and any information irrelevant to my claim.

You wanted me to submit claim twice??? Policy # 1206626153. I would never have purchased this knowing the claim submission would be impossible. Do you have record of this?

My wife was sick and went to the local hospitals Urgent Care/Emergency Room the day before our trip to Boston. The doctor told her she had a bad virus and to stay in bed and that it would take 7-10 days to run its course. I have the Doctors name and the nurse who was with him. I also have the pertinent address, phone numbers, etc. What I don’t have is all the medical records for her for the last 6 months and the long form filled from the doctor….We are old and not very computer savy..Why cant you just call the hospital and talk with them and they can confirm everything????

this whole thing apparently is a fraud. Send you to sites with no help from expedia/or insurance.

Another scam, make it as difficult as possible until you give up

The comments section for “Travel Guard Insurance Claim” tells all when you see that ALL comments are overwhelmingly NEGATIVE. And my experience with Travel Guard is no different. After so much time and effort is fruitlessly spent in attempting to receive a refund on your plane fare, you finally realize that you are wasting your time and, in agreement with some of the negative comments I read, that this is indeed just another scam. So inform everyone you know of this SCAM so they don’t fall victim to it like obviously so many others already have (Parties involved in my case: 1) American Airlines, 2) Travelocity, 3) Travel Guard .

I need to cancel travel plans for my and my sister

need to file a claim , but after reading these comments , seem like I’m stuck or scammed.. why would expedia allow them as a second insurance on the page ..

Terrible Going to mail in my claim can’t do it online

I have read all these negative remarks by clients that had purchased your travel guard INS. 7 I surely hope that I am not having the same experience as all the peoples claims that I have read, also the filing claim on your web site is terrible

I made this flight then found out my mom was terminally ill changed my flight to Minnesota and cancelled my flight to Arlanta

OK I will let the New York attorney general know what is going on here and see what they say and do about your company. there is no form here to fill out. Only a lot of very angry customers getting ripped off. you kept me on the phone line for a very long time with no one to talk too. you are charging everyone insurance and just keeping the money. I paid $92.for nothing. it seems everyone paid for nothing here. Not even one person said thank you for your good service. everyone is very mad.

Cannot get on phone with an agent or customer service representative. Cannot get a claim form to fill out on line or one to print and fill out. What kind of service do you offer?

This is Bullshit, cannot make out how to file a claim. will continue to call and press until I get what I paid for, will advise everyone I know to avoid this policy offer, avoid any travel site that offers travelguard…

You make it almost impossible to file a claim or get any help. This was a total waste of time and money.

This is a scam i will contact the AG i will never use travel guard or expedia again ever take myairline ticket and shove it

I’ve had an awful experience with this company. The website is worthless. When I attempted to find out the progress of my claim I was advised that there was no such claim. It appears that like almost all the customer comments I’ve read I am a victim of a scam as well. Consequently, I will be filing a complaint with the California Attorney General’s office. I booked airline tickets and purchased the insurance on Expedia. How could it be possible that customers could have this level of dissatisfaction with the service and Expedia not be aware of it?

I filed a claim. Haven’t heard anything back regarding my claim. Been over a month. This is a scam.

Very poor service. Cannot contact a rep. by phone and cannot find the right forms on line to print to file a medical claim. Spent two hours and still no results. Still holding on the phone…terrible service.

ditto as above; cannot contact any company rep by phone and cannot find correct forms online, under section 4 of website. this is a worldwide pandemic, COVID-19 and CDC indicated level #3 avoid non-essential travel! Your company is a total scam

CANCELLED my cruise due coronavirus and medical condition. all I want is the premium refunded $144 dollars. I never used the insurance and we are not scheduled to depart until Oct. 2,2020 six months from now. I have discussed this with TRAVELOCITY AND TRAAVEL GUARD AND EACH ONE TELLS ME TO CALL THE OTHER ONE. no one will solve the issue.

I will never ever buy insurance on anything after dealing with this company . Disgusting

why u have to go trough. so much to file a claim. I’ll never purches ins. again with you!!through Frontier air line.

This is a total scam. Tried to make a claim and the website kept directing me to add mutliple chrome extensions. Makes no sense. I will NEVER buy travel insurance again!!!

I can’t believe you people stay in business!

Indeed horrible company if anyone need insurance please bypass this company it will break your heart please pass this information to all friends and family. I am very disappointed but if you do decide to venture into this abyss note that resolve is the art of the day.

Our cruise that we boarded on Feb 2020 was interrupted due to Covid. Filed a claim. Their website is terrible. I have called several times and I am told that they are sooo swamped that it’s just taking longer. Months have gone by. Who can I contact to report this- they took my money and have failed to deliver.

Your insurance is a scam I have reying to get my money back for months They denied my claim for the wrong reason Keep telling me they will reopen my claim they will call nothing Will not let you talk to claims department I will file a claim with State Board Of Insurance against your company

This insurance is truly the most frustrating and fraudulent I have ever had to deal with. I placed a deposit on our vacation through AMI Locals Reservations, Anna Maria,FL in the amount of $1,976.24 on July 20, 2019. I then purchased travel insurance protection from Travel Guard in the amount of $212.00 on October 12, 2019 for our vacation May 30,2020 June 6,, 2020. At the end of April 2020, mid-pandemic, I suffered a ruptured appendix, had emergency surgery and a hospital stay of 6 days due to complications including severe exacerbation to my existing, chronic lung disease. I was advised no rravel from April 28, 2020 to at least June 9, 2020,not only because of my recovery from surgery and the compromise to my lung disease,, and my age of 72,all presented a very high risk for contracting COVID.. On July 2, 2020 I sent AIG Claims all pertinent information along with my Dr.,s confirmation, I also e-mailed all materials on July 23, 2020. I received a follow-up e-mail from them on July 23, 2020 stating an analyst will review my document ion and contact me with any further required information. I have never received any additional contact from them. Their phone is exasperating with afloat of jumbo jumbo. I am absolutely furious at this stage and, too, will NEVER use their services again. COVID. I had to cancel our travel and when well enough,

This insurance is a scam I have been denied Trying to appeal no knows what they are doing Claims department must have been given a blanket reponse of hang up on your customer, transferred to a wrong department etc I have been working on this since Feb They lost my papers?? Filed three times than suddendly denied Im filing a complaint with State Board of Insurance

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