Travel Guard Essential
Travel Guard’s Essential plan provides dependable travel protection for travelers seeking comprehensive coverage at an affordable price. Designed for both domestic and international trips, it includes coverage for trip cancellations, interruptions, travel delays, baggage loss, and unexpected medical emergencies.
Travelers looking for additional medical protection can enhance their coverage with the optional Medical Bundle, which increases the plan’s emergency medical and medical evacuation coverage. The plan also includes 24/7 travel assistance services to help travelers navigate unforeseen situations before and during their trip.
With protection against common travel disruptions and essential coverage for unexpected events, the Essential plan delivers reliable peace of mind for travelers looking for straightforward, budget-friendly travel insurance.
Coverages and Plan Info
The Travel Guard Essential plan is a comprehensive travel insurance plan. The plan information listed below is for general purposes only. To view specific plan information for your trip, start a quote.
Plan Summary
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Trip Cancellation | Trip Cost |
| Trip Interruption | Trip Cost |
| Baggage Loss | $750 $500 for first item $250 per each additional item $500 combined max. for specified items |
| Baggage Delay | 24+ hours $200 max. |
| Medical Limit | $15,000 (secondary) |
| Pre-Existing Condition Waiver | If insurance purchased within 15 days of Initial Trip Payment and certain conditions are met |
| Pre-Existing Condition Lookback Period | 180 days |
| Medical Evacuation | $150,000 |
Plan Info
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Plan Type | Comprehensive |
| Refund Policy | 15 day Review Period |
| Available to | U.S. Residents |
| AM Best Rating | A+ |
Trip Protection
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Trip Cancellation | Trip Cost |
| Trip Interruption | Trip Cost |
| Financial Default | 14 day wait, if purchased within 15 days of Initial Trip Payment |
| Terrorism in Itinerary City | Foreign and U.S. Domestic |
| Interrupt for Any Reason | – |
| Cancel for Any Reason | – |
| Baggage Loss | $750 $500 for first item $250 per each additional item $500 combined max. for specified items |
| Baggage Delay | 24+ hours $200 max. |
| Travel Delay | 12+ hours $100 per day $500 max. |
| Vacation Rental Damage | – |
Medical
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Medical Limit | $15,000 (secondary) |
| Dental | $500 included in Medical (secondary) |
Pre-Existing Conditions
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Waiver | If insurance purchased within 15 days of Initial Trip Payment and certain conditions are met |
| Lookback Period | 180 days |
Accidental Death
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| 24-Hr Full Coverage | $30,000 |
| Common Carrier | Included in Accidental Death 24-Hour |
| Flight Only | Included when Security Bundle is selected |
Evacuation
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Medical Evacuation | $150,000 |
Additional Benefits
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| 24-Hour Emergency Assistance | Call for Details |
| Rental Car | $50,000 [$250 deductible] – optional |
| Optional Coverages | Medical Bundle Security Bundle |
| Notes | Included Benefits: $150 for Missed Connection [requires purchase within 15 days of Initial Trip Payment] |
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Trip Cancellation
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Medical Limit
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