Travel FAQs

1. What’s the point of travel insurance?

   Whether you’re a seasoned globetrotter, or planning a routine family getaway, travel insurance can help to take care of the unforeseen problems – from canceled flights to serious illnesses and more. It protects your trip investment, so you have the peace of mind to focus on making memories, not worrying about the details.

2. Is travel insurance a waste of money?

   Life is full of unexpected surprises. In the event that you need to cancel or interrupt your trip, travel coverage can reimburse you for the pre-paid, non-refundable portions of your trip. It also can cover medical expenses, lost, damaged or stolen luggage and personal effects. Most travel plans also include 24/7 assistance services to re-book flights and hotels on your behalf and act as a personal travel assistant while you're away from home. Nice, huh?

3. When is to too late to buy travel insurance?

   Good news – most travel insurance plans can be purchased up to 24 hours before your trip departure date. Bon Voyage!

4. What does travel insurance cover?

   While it depends on the plan you end up selecting, coverage is available for trip cancellation and interruption, baggage delay, medical expenses, emergency evacuation, and 24/7 assistance services.

5. If I cancel my trip, do I get my money back?

   Trip Cancellation typically provides cover for unforeseen events. Please refer directly to your policy for the coverages, limitations and exclusions.

6. What happens if I purchase a protection plan and need to make changes to it (trip cost, dates, etc.)?

   No problem – we’re happy to help! Simply contact Travel Guard at 1-800-826-1300.

7. Won’t my regular health insurance cover me abroad?

    Great question. Unfortunately in most cases your medical coverage will not cover expenses outside of the United States.

8. Are pre-existing conditions covered?

   Short answer? It depends. Exclusions for pre-existing medical conditions would likely apply depending on your plan. Typically this is based on the date of your first diagnosis, a change in diagnosis or a change in medication during the 60, 90 or 180 day look-back period before the effective date of coverage. The date of the first deposit on your trip can also determine whether you qualify for the pre-existing medical condition waiver.

9. What does travel insurance cost?

   In most cases, the cost of travel insurance is based on the value of the trip and the age of the traveler – and is surprisingly affordable! Typically, the cost is between 5 and 7 percent of the total trip cost.