Travel Insurance

Travel insurance protects a traveller's vacation cost against cancellation and interruption while also providing medical, lost or damaged property and travel delay coverage. Travellers are reimbursed if they have to cancel or interrupt their travel, they are also covered should the need arise for emergency medical treatment, medical evacuation and a number of other situations.

Travel insurance can be broken down into the following major categories:

Trip Cancellation – Reimburses travellers unable to take their trip due to Illness or death (of the traveller or a family member), weather, airline strikes, terrorism, bankruptcy, becoming unemployed, jury duty or their home being rendered uninhabitable due to fire/flood etc.

Trip Interruption – Reimburses travellers if they have to cut short their trip due to Illness or death (of the traveller or a family member), weather, airline strikes, terrorism, bankruptcy, becoming unemployed, jury duty or their home being rendered uninhabitable due to fire/flood etc.

Medical/Health – Reimburses medical and emergency dental costs. Almost all travel insurance plans work by reimbursing the traveller after they have paid locally for treatment. Claims are usually paid within 7 to 10 days. Pre-Existing conditions are covered by most policies if the policy is purchased within (at the most) 21 days from the date the traveller made the first trip payment (deposit).

Medical Evacuation – Provides emergency transportation to either a local hospital in the event the traveller is unable to get there by themselves or back to a hospital near the travellers home. If family members are covered on the same policy they can return home also.

Accidental Death – This coverage is split into 3 parts –

• Air Flight Accident – Covers death or dismemberment during an air flight only. Usually provides the highest amount of coverage due to a lower risk.

• Common Carrier – Covers death or dismemberment while travelling on public transport such as, plane, ferry, train, bus or taxi.

• Accidental Death – Covers death or dismemberment at any time on your trip. Usually provides the lowest amount of coverage due to a higher risk.

Travel Delay – Reimburses travellers for hotel, food or clothing expenses in the event of a flight delay. Some plans also cover costs associated with catching up to a cruise should a delay cause the traveller to miss embarkation.

Baggage Loss – Reimburses travellers for lost, stolen or damaged personal items. This coverage is usually for the duration of the trip and not confined to baggage damaged or lost by the airline. There are two policy limits, total claim and per item maximum. Some policies also place limits on the type of items that can be claimed for such as jewellery, laptops and sporting goods.

Rental Car Damage – Reimburses travellers for damage or loss to a rental vehicle. It is designed to allow the traveller to decline CDW (collision damage waiver) coverage offered by the car rental companies. Liability coverage should still be purchased through the car rental company. Rental Car Damage coverage is also often included with the credit card used to pay for the car rental which is often identical to the coverage provided in the policy.

Assistance Services – Provides a 24 hour collect call advice and assistance service to travellers. This service can be used anytime a traveller needs advice.

If you are resident in the United States or Puerto Rico, Travel Guard International with over 20 years of industry experience, is America's leading travel insurance plan provider.

They specialize in providing innovative travel insurance, assistance & emergency travel service plans for millions of travellers & thousands of companies throughout the world. Their industry-leading, comprehensive travel insurance plans are distributed by more than 12,000 travel companies through virtually every distribution channel in the travel industry.

Their plans offer coverage for vacation and trip cancellation, travel interruptions and delays, emergency medical and health expenses, lost baggage and more.

Worldwide 24-hour assistance Included with every plan!
All Travel Guard plans include 24-hour "911" travel emergency service for emergency medical assistance, last-minute or emergency travel and flight changes, lost luggage tracking, pre-trip travel advice and more.

Your vacation can take a year to save for, only a second to ruin.

Plans available through Travel Guard can provide you with coverage for unexpected medical expenses while on a trip.

Protect yourself and your family.

For an alternative quotation if you live in some other country, this is the place to go to compare travel insurance

Because the unexpected can happen. From jury duty call to an unexpected medical situation, the coverage protects you against over 40 specified risks that could stop you from travelling as planned. The right coverage will ensure you get back the covered travel costs that would otherwise not be refundable to you. And, if you have to return home early or stay longer because of a covered emergency, your extra expenses will also be covered as per your policy.