Travel Guard Travel Insurance Review 2025

Travel Guard plans may appeal to vacationers, last-minute travelers and people who take multiple trips a year. There are five plans offering a range of benefits including trip cancellation, trip interruption, baggage delay and coverage for medical and dental expenses.

Deluxe: The Deluxe policy was Travel Guard’s top-scoring policy in our ratings of the best travel insurance companies. The Deluxe plan includes lots of extra coverage beyond the standard benefits, which include trip cancellation and trip interruption insurance, travel medical insurance, evacuation insurance, travel delay insurance and baggage insurance. It includes missed connection, security evacuation, travel inconvenience and AD&D insurance, and offers pet, wedding, adventure sports upgrades.

Preferred: Medical expenses up to $50,000, dental expenses up to $500 and emergency evacuation compensation of $500,000 are just a few of the benefits in this policy. It also includes trip interruption, trip cancellation and trip delay coverage. Lost, damaged and stolen baggage is covered up to $1,000. This travel insurance policy may be a good fit for family vacations and international travel.

Essential: This budget travel insurance option includes coverage for trip cancellation, trip interruption, medical expenses of up to $15,000, dental expenses up to $500, baggage delay up to $200 and trip delay up to $500.

Pack N’ Go plan: Designed for last-minute travelers who won’t be needing trip cancellation coverage, this plan’s benefits include trip interruption, trip delay, missed connection up to $500, baggage delay up to $200, medical expenses up to $25,000 and dental expenses up to $500.

Annual plan: Created for travelers who make multiple trips throughout the year, this policy comes with trip interruption, trip delay up to $1,500, missed connection up to $500, baggage delay up to $1,000, medical expenses up to $50,000, dental expenses up to $500 and emergency evacuation up to $500,000.

Rental car damage coverage may be available with your Travel Guard plan. For example, Travel Guard’s Deluxe and Preferred  plans provide $50,000 for rental car damage. This optional coverage comes with a $250 deductible.

There are also optional bundles for pets, destination weddings and adventure travel in the Deluxe plan.

• The Pet Bundle provides a daily benefit for boarding costs and coverage for vet costs if your dog or cat becomes ill or is injured during your trip. It also includes trip cancellation and trip interruption coverage if your pet is in critical condition or dies within seven days prior to your departure date.
• The wedding package has trip cancellation coverage if the wedding is canceled.
• Extreme sporting and adventure activities exclusions are removed with the Adventure add-on.

A baggage bundle and a medical bundle with higher coverage limits are among the optional bundles that you can get with a Preferred plan. You can also opt for an “inconvenience bundle” that compensates you if attractions are closed, you lock yourself out of your rental home or your hotel is infested or under construction.

The travel benefits and costs vary by Travel Guard insurance plan. Here are examples of prices for the Travel Guard Deluxe plan.

Travelers and trip	Cost per trip for Travel Guard’s Deluxe policy
Two travelers age 30, $3,000 trip cost, traveling to Mexico for 8 days	$299
Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days	$565
Family with two parents age 40 and two children, $15,000 trip cost, traveling to Spain for 17 days	$645
Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days	$739
Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 7 days	$404
Two travelers age 75, $15,000 trip cost, traveling to Aruba for 20 days	$2,683
Two travelers age 80, $20,000 trip cost, traveling to Spain for 25 days	$5,509

Costs are for policies without “cancel for any reason” coverage.

See More See Less

Travel Guard customers have access to a 24/7 travel assistance hotline. The assistance team can help with situations like finding a new flight, locating lost bags, finding a local doctor and more.

Every travel insurance plan has exclusions, so it’s smart to check the fine print so that you’re familiar with what your plan won’t cover. Here are some examples of general exclusions in the Travel Guard Deluxe plan:

• War or an act of war
• Participating in a riot or civil disorder
• Attempting or committing a felony
• Being under the influence of drugs or narcotics, unless prescribed by a physician
• Alcohol intoxication above the legal limit
• Traveling against the advice of a physician

Travel Guard has a help center with customer service reps available by phone for assistance with filing claims. There is online help as well. You can file a claim and check the status online. Make sure you look at what types of supporting documentation you need for a complete claim. Keep track of all receipts so you’ll have everything you need.

We researched and analyzed 69 policies to find the best travel insurance. When companies had more than one highly rated travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.

Cost (35% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:

• Couple, age 30 for a Mexico trip costing $3,000
• Couple, age 40, for an Italy trip costing $6,000
• Family of four for a Spain trip costing $15,000
• Couple, age 65, for an Italy trip costing $6,000
• Couple, age 70, for a Mexico trip costing $3,000

Medical expenses (15% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.

Medical evacuation (15% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.

“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.

Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.

Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.

Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.

Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).

“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.

More: Read how Forbes Advisor rates travel insurance

We commissioned travel insurance customer satisfaction surveys of 2,800 people who bought new policies within the past 12 months to gauge company performance.

We surveyed 1,400 Americans who have purchased a new travel insurance policy within the last 12 months. This online survey was commissioned by Forbes Advisor and conducted by market research company Talker Research, in accordance with the Market Research Society’s code of conduct. Data was collected from October 11 to November 4, 2024. The margin of error is ± 1.5 point with 95% confidence. This survey was overseen by Talker Research, whose team members are members of the Market Research Society (MRS) and the European Society for Opinion and Marketing Research (ESOMAR).

We also surveyed 1,400 Americans who filed a travel insurance claim within the past 12 months. This online survey was commissioned by Forbes Advisor and conducted by market research company Talker Research, in accordance with the Market Research Society’s code of conduct. Data was collected from October 11 to November 4, 2024. The margin of error is ± 1.9 point with 95% confidence. This survey was overseen by Talker Research, whose team members are members of the Market Research Society (MRS) and the European Society for Opinion and Marketing Research (ESOMAR).