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We strongly recommend trip insurance to protect your vacation investment. Please feel free to inquire about the quote and the insurance benefits.
We are using Travel Guard as the insurer for our clients.
Frequently Asked Questions About
Travel Insurance
Q. Why should a traveler buy travel insurance?
A. Travel insurance gives travelers coverage for
unforeseen problems, from a cancelled flight to a
serious illness—or in rare cases, even an act of
terrorism or the financial default of a travel supplier.
If an illness, accident, or other covered unforeseen
circumstance forces a traveler to cancel or interrupt
their plans, they face two major financial losses—money
invested in nonrefundable pre-payments, and medical
expenses that in many instances may not be covered by
health insurance.
Q. What happens if a traveler must cancel their
vacation?
A. Often a traveler will lose nonrefundable deposits and
prepayments that can add up to hundreds—or even
thousands—of dollars. A comprehensive travel insurance
plan through Travel Guard can provide trip cancellation
coverage for the traveler's vacation investment—the
insurance company reimburses the traveler for all
pre-paid, nonrefundable expenses for a covered loss.
Q. How does trip cancellation and interruption coverage
work?
A. It reimburses for forfeited, nonrefundable, unused
payments or deposits if the traveler must cancel or
interrupt their trip due to a covered reason.
Q. What other coverage is typically included in an
Travel Guard travel insurance plan?
A. In addition to trip cancellation and interruption,
the more comprehensive travel insurance plans available
today may also cover emergency medical expenses;
emergency medical transportation, when ordered by a
doctor, to the nearest adequate medical facility;
reimbursement for accommodations and expenses incurred
due to travel delays; reimbursement for the purchase of
essential items if baggage is delayed; and coverage
against lost, stolen or damaged baggage.
Q. Does travel insurance cover terrorism?
A. Many travel insurance policies do not cover
terrorism, or only cover terrorist acts that occur on
foreign soil. Travel insurance through Travel Guard can
cover terrorist incidents both in the United States and
abroad.
Q. Is the financial default of an airline, cruise line
or tour operator covered?
A. Many of Travel Guard's retail insurance programs
include financial default coverage if the program is
purchased within 15 days of making the initial trip
deposit.
Q. Does Travel Guard offer travel insurance plans
tailored to specific types of travel?
A. Yes. Travel Guard offers travel insurance plans for
an array of budgets, from modest trips to high-end
luxury vacations. There are also products for
last-minute getaways and extended trips, and specific
coverage plans for cruise travelers, golf travelers,
students, and sports travel.
Q. How much does travel insurance cost?
A. The cost of travel insurance is based, in most cases,
on the value of the trip and the age of the traveler.
Typically, the cost is five to seven percent of the trip
cost.
Q. What else is offered with the purchase of an Travel
Guard plan?
A. To boost travelers' confidence when traveling, Travel
Guard has added LiveTravel® assistance, which provides
24-hour, "911" emergency travel agency-type services to
all standard retail plans, in case a traveler has to
change a flight or a hotel room. Travel Guard has also
added assistance with emergency cash transfers, pre-trip
consultation services (travel advisories, passport
requirements, inoculation information, etc.), and live
messaging, which will relay any e-mail or phone message
to family, friends or business associates.
Certain restrictions apply.
Download the insurance brochures by
clicking to the following links:
Travel Guard Essential
Travel Guard Essential Expanded
Protect Assist
Cruise, Tour and Travel
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