Travel Guard Insurance Review: A Deep Dive

Written by Antonio Cala.

Last updated on April 18, 2024

Table of Contents

Whether you’re a globetrotter, a wanderlust seeker, or an all-around adventurer, securing reliable travel insurance is a vital aspect of your travel preparations. In this Travel Guard Insurance review, we’ll go into what distinguishes it from the rest.

From their diverse range of services and membership plans to the intricacies of their insurance coverage, we’re peeling back the layers to provide you with a comprehensive understanding. We hope this guide will help you in evaluating whether Travel Guard is the insurance you need.

For an in-depth analysis of all the insurance options available for adventure travelers, make sure to check our Comprehensive Guide to Adventure Travel Insurance. Let’s get started.

Travel Guard Insurance Overview

Travel Guard insurance

Who Is Travel Guard For

The Travel Guard Insurance is a good option for travelers going on high-ticket adventure trips and need a high of medical coverage.

What's Included

Travel Guard Insurance policies provide a spectrum of coverage options to ensure travelers enjoy comprehensive protection throughout their journeys. Although the specific details may vary based on the selected plan and options, typical inclusions in Travel Guard Insurance policies often include:

Travel Medical Expense/Dental Expense: Travel Medical Expense covers the costs of medical expenses incurred due to a Sickness or Injury that occurs while on a Trip. 

Emergency Evacuation and Repatriation of Remains: This coverage addresses evacuation expenses as directed by a Physician to the nearest adequate medical facility or home in the event of death or if medically required.

Trip Cancellation: Reimburses nonrefundable, unused payments or deposits in case you must cancel your Trip due to an illness, injury, or death of you, a Family Member, Traveling Companion, or Business Partner, or for other covered reasons. 

Trip Interruption: Reimburses nonrefundable, unused payments or deposits if you must interrupt your Trip due to an illness, injury, or death of you, a Family Member, Traveling Companion, or Business Partner, or for other covered reasons. 

Trip Delay: Reimburses for reasonable additional expenses until travel becomes possible if your Trip is delayed due to covered reasons.

Baggage Coverage: Reimburses you if your luggage is lost, damaged, or stolen while on your Trip. Coverage is secondary.

Baggage Delay: Reimburses you for the purchase of necessary personal effects if your bags are delayed.

What's Not Included

Every Travel Guard policy comes with specific exclusions, and these may differ based on the type of plan you choose. In the following section, we will delve into the details.

For now, these are some common exclusions that Travel Guard Insurance policies may include:

Certain High-Risk Activities: Some adventurous or high-risk activities, such as extreme sports or participation in professional competitions, may not be covered. It’s essential to check the policy for a list of excluded activities.

Non-Medical Evacuations: Evacuations that are not medically necessary, such as those due to political unrest or civil disturbances, may not be covered.

Travel to Restricted Areas: Traveling to regions or countries with travel advisories or government warnings may result in limitations or exclusions of coverage.

Not all nationalities are covered: Only residents of the United States, Canada, Hong Kong, Iceland, Israel, Italy, Japan, Malaysia, Norway, Sweden, Singapore, South Africa, Thailand and UAE can purchase a Travel Guard insurance policy. 

Membership Plans

Essential Plan

The Travel Guard Essential plan is the budget-friendly option. This plan is perfect for travelers looking for basic coverage amounts. This plan also includes coverage for one Child age 17 and under, who is booked to travel with and is related to the primary adult.

Preferred Plan

The Travel Guard Preferred is the next option. It provides a trip cancellation coverage up to $150,000, and a trip interruption coverage of $225,000 at very competitive rates, making it a great choice for travelers going on an adventure cruise. 

Deluxe Plan

The Travel Guard Deluxe is the top of the line plan, and it’s geared towards travelers who need both the highest medical and trip coverage. It offers a trip cancellation/interruption coverage up to $150,000 / $225,000, a medical coverage up to $100,000 and emergency evacuation up to $1,000,000. 

Travel Guard Insurance Plans Comparison Table

Travel Guard Adventure Sports Bundle

Travel Guard classifies adventure sports activities into two categories: adventure and extreme. 

Adventure activities encompass pursuits such as bungee jumping, hot air ballooning, parachuting, skydiving, mountain climbing, scuba diving, and similar endeavors. 

Extreme activities, on the other hand, involve more intense pursuits like base jumping, cliff diving, heli-skiing, hang gliding, mountain climbing (over 3,000 meters), and activities closely resembling these. 

By opting for the Travel Guard Adventure Sports Bundle add-on, you can secure coverage for these specific types of activities.

Pricing

Prices depend on the plan you purchase, your age, your destination and the length of your trip.

Just to give you an idea, a policy for a week-long trip to Peru for a 40 year old male from Florida will cost approximately $162 (Essential), $265 (Preferred) and $355 (Deluxe).

Please, check out the latest pricing for up to date quotes. 

What's Covered & Who's Eligible

The main limitation of Travelex Guard is that their insurance policies are only offered to people who live in selected countries. Let’s look at the specifics. 

Nationalities: Only residents of the United States, Canada, Hong Kong, Iceland, Israel, Italy, Japan, Malaysia, Norway, Sweden, Singapore, South Africa, Thailand and UAE can purchase a Travel Guard insurance policy

Pre-existing conditions: Yes.

Seniors Over 65: Travelers aged 65-75 are covered.

Trip Duration: All plans cover trips up to 364 days.

Groups: One children aged 17 and under is included with an adult policy at no extra cost.

User Reviews and Testimonials

Insurance companies often receive negative online reviews due to issues like complicated policy language, claim denials, slow processing times, and perceived unfair practices. 

However, Travel Guard receives particularly bad reviews online. More often than its competitors.

Travel Guard Insurance User Review
Travel Guard Insurance User Review

Travel Guard vs Competitors

Overall, Travel Guard insurance policies tend to be similar priced to those from its competitors, their medical expenses coverage higher and the compensation for trip cancellation & interruption on par with the top companies on the market. 

Conclusion

Travel Guard insurance

Travel Guard offers competitive packages with some of the highest medical expense coverage available in the market.

However, despite the policies appearing attractive on paper, there is an overwhelming number of negative reviews online. Most of these cases involve people who did not thoroughly read the policy terms. Others criticize the poor customer service provided by the company.

If you believe that a Travel Guard insurance plan is what you’re looking for, proceed with caution, and ensure you read the fine print before making your insurance purchase with them.

Other Travel Insurance Reviews

If you would like to read more about other insurance options for adventure travelers, you can check out our other reviews below:

Travel Guard Insurance Reviews Online

When doing your research, you might want to read what other publications have to say about the Travel Guard Insurance plans. 

Here are some of the most popular reviews from the web. 

AIG Travel Guard Travel Insurance Reviewby money.com

The Complete Guide to AIG Travel Guard Insuranceby nerdwallet.com

About the Author

Antonio was born and raised in Southern Spain, and quit his job in 2013 to travel the world full-time with his wife Amanda for 10 years straight. Their passion for adventure took them to visit 150+ countries.

They cycled 25,000km + from California to Patagonia, sailed over 10,000NM around the Caribbean & Sea of Cortez, rode their motorbikes 30,000 kms+ across West Africa (Spain to South Africa) and visited Antarctica, among many other adventure expeditions. Today, they’re still traveling,  currently around the USA with an RV.

Traveling to so many places, remote destinations and by different means taught them a lot about travel insurance, which policies to hold depending on the area and the type of adventure they were doing. Antonio now publishes regular content to help other travelers choose the best travel insurance for adventure trips.

Together, they also run the travel community Summit, the RV site Hitched Up, the boutique accommodation blog Unique Places and the popular newsletter Adventure Fix, where they share their knowledge about the places they’ve visited and the ones still remaining on their list.

Antonio Cala

Co-Founder of Adventure Fix

Travel Guard Insurance Review
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