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Travel Guard® Essential Insurance
Travel Guard® Essential Insurance is Travel Guard's basic travel insurance providing coverage for trip interruption, cancellation delay as well as 24 hour emergency assistance.
| Policy Maximum |
Travel Guard® Essential Insurance provides reimbursement up to the Cost of the trip in the event of cancellation and interruption. Medical expenses are covered up to $10,000. Emergency Medical Evacuation and Repatriation are covered up to $100,000. |
| Deductible |
$50 applicable to medical expenses. |
| Co-insurance |
- Outside the U.S. and Canada:
For the Certificate Period, Travel Guard® Essential Insurance will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.
- In USA:
For the Certificate Period, Travel Guard® Essential Insurance will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.
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| Coverage Options |
One has the option of purchasing the optional flight accident plan and car rental collision plan. Optional Additional Medical expense coverage can be added. |
| Plan Life |
Travel Guard® Essential Insurance is a short term plan beginning when you depart on your trip and ending when your trip ends |
| Underwriter |
Travel Guard® Essential Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh. |
| Claims Administrator |
Travel Guard® Essential Insurance is administered by Travel Guard® Inc. |
Eligibility:
Persons eligible for insurance under the policy are any traveler(s) who purchases his/her insurance through or from a properly licensed agent/agency located in the U.S., who enrolls for coverage and pays the plan cost up to 24 hours prior to departure.
Effective Date: Trip Cancellation Benefit will be effective 12:01 a.m. Standard Time on the date after becoming enrolled and plan cost is paid. All other coverages will begin on the later of:
- the date and time the Insured starts his/her Trip, or
- the scheduled departure date shown on the Enrollment form.
Termination Date: The Trip Cancellation coverage ends on the earliest of:
- the cancellation of the Insured's Trip; or
- the date and time the Insured starts on his/her Trip.
All other coverage ends on the earlier of:
- the date the Trip is completed;
- the scheduled return date; or
- the Insured's arrival at the Return Destination on a round Trip, or the Destination on a one-way Trip.
Plan Benefits:
Travel Guard® Essential Insurance offers a broad range of benefits including:
- Trip Cancellation
- Trip Interruption
- Trip Interruption Return Air up to the Trip Cost payable
- Trip Delay
- Baggage & Personal Effects Loss
- Baggage Delay
- Medical Expenses
- Emergency Medical Transportation
- Travel Guard Assist
- LiveTravel ® Assistance
Remarks:
- PPO Network: 24/7 Emergency Travel Service Assistance is available to locate medical specialists and facilities throughout the world.
- Renewal: All coverage (except Trip Cancellation) under the policy will be extended, if: (a) the Insured's entire Trip is covered by the policy; and (b) the Insured's return is delayed by one of the Unforeseen events specified under Trip Cancellation and Interruption or Trip Delay. This extension of coverage will end on the earlier of: (a) the date the Insured reaches his/her Return Destination; or (b) seven (7) days after the date the Trip was scheduled to be completed.
- Cancellation: If you are not completely satisfied, you can receive a refund of the cost, minus the service fee. Requests must be submitted to Travel Guard in writing within 15 days of the effective date of the coverage, provided it is not past the original departure date.
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