Frequently Asked Questions (FAQs)
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If this is your first experience buying TravelGuard, we've compiled a list of Frequently Asked Questions to help you make your decision. Please read them over and see if your question is answered. If not, we invite you to contact us so that we may offer further assistance.
 
TravelGuard
  • Is travel insurance a waste of money?

  • Can I get travel insurance if I am not on a cruise or a tour?

  • What is final payment date?

  • The application page has only one field for destination. What do I enter if I am going to two different destinations?

  • What do I do if I don’t know my airline at the time I am buying insurance?

  • Why should a traveler buy travel insurance?

  • What is deposit date?

  • When is it too late to buy travel insurance?

  • How do I break down trip costs per person in my itinerary?

  • The application page only has one field for an airline name. What if I am using two different airlines for my trip?

  • My airline is not listed on your site, what do I put in the field where it asks for the name of my airline?

  • My cruise line is not listed in your site, what do I put in the field where it asks for the name of my cruise line?

  • Is travel insurance a waste of money?

    A travel insurance plan can cover you for unexpected costs incurred before or during your trip. So that costs are less likely to come out of your own pocket, a travel insurance plan can reimburse you for the pre?paid, non?refundable portions of a trip if you need to cancel or interrupt your trip for a covered reason. A travel insurance plan can also include medical evacuation coverage (the price of which may cost upwards ($100,000) 1 and medical expense coverage, plus reimbursement for lost, damaged or stolen luggage and personal effects. Most travel insurance 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 are away from home. As with all travel insurance plans, always carefully read each DOC (description of coverage) to learn the boundaries of your coverage before purchasing the plan.




    Can I get travel insurance if I am not on a cruise or a tour?

    Yes. We offer a variety of travel insurance plans for a variety of types of travel and needs.

    In a hurry? Choose the Gold Plan, our most popular. It includes a comprehensive package of coverage and services for a variety of common travel mishaps.




    What is final payment date?

    Final payment date is the day on which you finished paying for your trip.

    The final payment date must fall before the departure date. The deposit date and final payment date can be the same day, as long as that day falls before the departure date.




    The application page has only one field for destination. What do I enter if I am going to two different destinations?

    You can choose either destination for the field.




    What do I do if I don’t know my airline at the time I am buying insurance?

    In the field for airline name, select "none" at the top of the list. When you do decide on an airline, you may modify your policy to include the carrier at that time.




    Why should a traveler buy travel insurance?

    Travel insurance offers 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 travel plans, they face two potentially major financial losses—money invested in nonrefundable pre-payments and medical expenses that in many instances may not be covered by health insurance.




    What is deposit date?

    Deposit date is the day on which you made your first payment toward the trip.




    When is it too late to buy travel insurance?

    Insurance can be purchased up to 24 hours prior to trip departure date.




    How do I break down trip costs per person in my itinerary?

    Claims are paid per person up to the amount insured. You should divide the cost of the trip per person according to what each person paid.





    The application page only has one field for an airline name. What if I am using two different airlines for my trip?

    You need only enter the airline that you will use for the first leg of the trip.




    My airline is not listed on your site, what do I put in the field where it asks for the name of my airline?

    Simply select "unlisted" from the airline listing.




    My cruise line is not listed in your site, what do I put in the field where it asks for the name of my cruise line?

    Simply select "unlisted" from the cruise line listing.




     

    This is only a brief description of the coverage(s) available under policy series T30337NUFIC.The Policy will contain reductions, limitations, exclusions and termination provisions. Full details of coverage are contained in the Policy. If there is any conflict between the contents of this document and the Policy, the Policy will govern in all cases. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 18th Floor, New York, NY 10038. Is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.





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