Trip Protection Insurance

Trip Protection plans typically reimburse your non-refundable travel expenses if an unexpected crises
(e.g., death, sickness, airline strike, travel company bankruptcy, among other crises) occurs before or during your trip causing it to be canceled, interrupted or delayed. Compare the different plans available via the matrix below and use the links at the bottom to check prices.

Compare plan benefits
Plan NameTravel Guard Essential BasicVacation InsuranceTravel BasicAdventure Travel Protection Plan
CompanyTravel Guard InternationalTravelSafe Travelex Insurance Services Travel Guard International
PurchaseQuote & BuyQuote & BuyQuote & BuyQuote & Buy
UnderwriterAmerican Home Assurance Company, member of — A.M. Best Rating A++Stonebridge Casualty Insurance Company – AM Best rating A-Stonebridge Casualty Insurance Company – AM Best Rating A- (Excellent)National Union Fire Ins Co Pittsburgh PA
A.M. Best Rating – “A” (Excellent)
Available ToUS & Canadian Residents (not available to residents of Washington State)US Residents onlyUS Residents – Not available in Indiana, New Hampshire or Washington StateUS Residents – not available to residents of Washington State
Coverage AreaWorldwideWorldwideWorldwideWorldwide
Individual Pricing*from $75from $95from $68 
Family Pricing**from $178from $222from $102 
Trip Investment Coverage
Plan NameTravel Guard Essential BasicVacation InsuranceTravel BasicAdventure Travel Protection Plan
Trip Cancellation100% of the Trip Cost100% of the Trip Cost. Cancel “For Any Reason” option available100% of Trip Cost100% of Trip Cost
Trip InterruptionUp to 100% of the Trip Cost. $0.00 Trip Cost = $500 Return Air Only
(Forfeited, non-refundable, unused prepaid trip payments are covered)
150% of the Trip Cost100% of Trip Cost100% of Trip Cost
Trip Delay$500 per person – $100 per day – Covered after 12 hour delay Missed connection not covered
(after 24 hours)
$750 per person
$150 max per day
Covered after 8 hour delay
$500 Per Person – if delayed 5 hours or more$1500 Per Person – $150 per day per individual – if delayed 5 hours or more
TerrorismCovered if a terrorist incident occurs in a City listed on the insured’s itinerary within 30 days of the insured’s scheduled arrival.If purchased within 15 days of initial trip payment. Terrorism in a city on your itinerary with 30 days of departure.Trip Cancellation or Interruption due to a Terrorist Event is not coveredCovered if a terrorist incident occurs in a City listed on the insured’s itinerary within 30 days of the insured’s scheduled arrival.
Supplier Bankruptcy/DefaultNo Coverage Provided, See Policy DetailsCovered if purchased within 15 days of first trip payment.Coverage begins 14 days after policy effective date.This coverage applies if the insurance is purchased within 15 calendar days of the initial trip payment or deposit
14 day waiting period.
Hurricane/WeatherInclement Weather causing delay or complete cessation of services for at least 24 consecutive hours
Purchase must occur BEFORE storm is named.
Complete cessation of common carrier services for 8 hours
Purchased BEFORE storm is named
This coverage applies if the insurance is purchased within 15 calendar days of the initial trip payment or deposit
14 day waiting period
Inclement weather causing delay or cancellation of travel – Purchase must occur BEFORE storm is named.
Labor StrikeStrike resulting in complete cessation of travel services at the point of departure and destinationUnannounced, organized Strikes are coveredUnforeseen strike that causes complete cessation of travel supplier services for 24 consecutive hoursStrike resulting in complete cessation of travel services at the point of departure and destination.
PurchaseQuote & BuyQuote & BuyQuote & BuyQuote & Buy
Health Coverage
Plan NameTravel Guard Essential BasicVacation InsuranceTravel BasicTravel Guard International
Medical Expenses$10,000 per person – Additional $20,000 added if Optional Benefit Upgrade is selected at purchase – secondary coverage pays after other Primary Collectible Insurance has paid$100,000 per person
No policy maximum
Secondary coverage
$15,000 Sickness Expenses and $15,000 Accident Expenses – Primary Coverage$25,000 per person – Primary Coverage – $50,000 if Medical Upgrade is selected at time of purchase
Deductible$50 deductibleNone$50 DeductibleNone
CoinsuranceNoneNoneNoneNone
Emergency Evacuation$100,000 per person – Evacuation to nearest adequate medical facility or home if medically required$1,000,000 per person
No policy maximum
$100,000 Per Person$500,000 per person – Primary Coverage – $1,000,000 per person when Medical Upgrade option is selected at time of purchase.
Emergency Dental$500 – Emergency Dental TreatmentIncluded in MedicalUp to $750 – accidental injury to sound natural teeth$500 – Emergency Dental Treatment
Sports & Hazardous ActivitiesMedical coverage for participation in amateur organized sports is included – (professional sports, motor sports, motor racing, and mountain climbing are excluded)Professional, Amatuer, or Interscholastic sports are not covered.Bodily contact sports, hazardous sports and paticipation as a professional in athlectics excluded. Exclusion does not apply to trip cancellation. See plan detailsNo Exclusions for Hazardous Sporting Activities.
Pre-existing ConditionsSubject to 180 day look back periodWaived if purchased within 15 days of initial trip payment or subject to 60 day look back periodNo Coverage – Subject to 60 day lookback period from purchase date for unstable pre-existing medical conditions.Subject to 180 day look back period. Pre existing condition “Waiver” applies if this insurance is purchased within 15 calendar days of the “initial trip payment” and full pre-paid trip cost is insured.
Repatriation of RemainsIncluded in Emergency Evacuation$1,000,000 (included in evacuation)Included in Emergency EvacuationIncluded in Emergency Evacuation
Emergency ReunionNo Coverage Provided, See Policy DetailsRound trip economy airfare for person chosen by you if hospitalized more than 7 daysNo coverageRound-trip Economy Transportation for a person of your choice to visit you if you are traveling alone and hospitalized more than 7 days.
PurchaseQuote & BuyQuote & BuyQuote & BuyQuote & Buy
Property Coverage
Plan NameTravel Guard Essential BasicVacation InsuranceTravel BasicTravel Guard International
Lost Baggage$500 per person-includes lost, stolen, or damaged luggage or travel documents – $50 deductible applies$2,500 per person
No policy maximum
$250 max per article
$500 per person / $300 per article$2,500 – Covers Your Sports Equipment and Personal Effects – See Policy for Details
Baggage Delay$100 per person – if baggage is delayed or misdirected for more than 24hrs$250 per person
Covered after 12 hour delay
$100 if baggage is delayed or misdirected for more than 12 hours$1,500 Per Person – Sportsman Equipment delayed or misdirected for more than 12 hrs.
Rental Car ProtectionNo CoverageNo CoverageTransportation Pak upgrade available – as confirmed on your confirmation of coverage letterOptional Car Rental Collision Coverage – Available at time of purchase. $35,000 Coverage – $250 deductible
PurchaseQuote & BuyQuote & BuyQuote & BuyQuote & Buy
Accidental Death Coverage
Plan NameTravel Guard Essential BasicVacation InsuranceTravel BasicTravel Guard International
Accidental Death & DismembermentNo Coverage$25,000 per person
$150,000 max per policy
No coverage$10,000 Per Person
Flight AccidentNo Coverage$25,000 per person
$150,000 max per policy
Upgrade available in Optional Transportation Pak $200,000 – as confirmed on your confirmation of coverage letterOptional coverage may be selected at time of purchase. Up to $500,000 per person available.
Common Carrier AccidentNo CoverageNo CoverageNo coverage$10,000 included in regular AD&D Benefit
PurchaseQuote & BuyQuote & BuyQuote & BuyQuote & Buy
Additional Plan Features
Plan NameTravel Guard Essential BasicVacation InsuranceTravel BasicTravel Guard International
24-Hour Emergency Assistance24-Hour “Live Travel” Assistance24 hour assistance providedIncluded24-Hour “Live Travel” Assistance
Special FeaturesLower cost plan equals lower benefits. No pre-existing medical condition waiver available, no bankruptcy protection.10 day free look
Cancellation for “Any Reason” Option Now Available.
Children under 18 are covered at no additional cost. Children must be related to the primary insured.
Exclusions for Pre-Existing Conditions do not apply to Non Traveling Family Members
Sports Equipment Delay – $1,500 Per Person – if equipment is delayed or misdirected for more than 24hrs.
Length Of CoverageMaximum Trip Length 365 Days90 days30 daysMaximum Trip Length 365 Days
Administration Fee$6.00$5.00$8.00$6.00
Money Back Guarantee15 daysUp to 10 days after purchase10 days after purchase15 free look period. Non-refundable after 15 days.
Credit Cards AcceptedVisa, MasterCard, American Express, DiscoverVisa, MasterCard, American Express, DiscoverVisa, MasterCard, American Express, DiscoverVisa, MasterCard, American Express, Discover
PurchaseQuote & BuyQuote & BuyQuote & BuyQuote & Buy


*Individual price quotes based on one US resident under 30-year-old traveler on a $2,500 2-week vacation with no additional add-on coverage, March 2010.
**Family price quotes based on two US resident 40-year old travelers & two under 17 travelers on a $5,000 2-week vacation with no additional add-on coverage, March 2010.