Travel Guard®
Cruise, Tour & Travel Insurance Plan

Cruise, Tour & Travel Insurance Plan

Premier, comprehensive coverage that sets the standard. 

Hiking across Ireland. Shark caging in South Africa. Tracing the Nile in Africa. Skiing in Gstaad. When you want to be covered no matter which corner of the world you are in, you want our Cruise, Tour & Travel Insurance Plan. Just purchase within 15 days of initial trip payment and you’ll enjoy the highest levels of medical expense coverage including a pre-existing medical condition waiver and medical evacuations. Plus, coverage for trip cancellation (even due to job loss) or trip delay. Lost, delayed or damaged baggage. Severe weather. Mechanical issues delaying your flight. And more. But it’s not simply great coverage. How about 24/7 assistance services to help you rebook flights and hotels or provide news that you should know that could affect your travel? You have it with Travel Guard Cruise, Tour & Travel. Premier coverage that is easy to buy, easy to use and easy to love.

Our most comprehensive package of travel insurance coverage and assistance services.

Cruise, Tour & Travel Standard Coverages

Trip Cancellation: 100% Trip Cost

Reimburses nonrefundable, unused payments or deposits if you must cancel or interrupt your trip due to an illness, injury, or death of you, a family member, traveling companion or business partner or other covered reasons.

Trip Interruption: 150% Trip Cost

Reimburses nonrefundable, unused payments or deposits if you must cancel or interrupt your trip due to an illness, injury, or death of you, a family member, traveling companion or business partner or other covered reasons.

Trip Interruption – Return Air Only: $1,000

Reimburses the additional airline transportation expenses incurred by you to reach the return destination for trip interruptions due to one of the Unforeseen events shown in the Trip Interruption section.

Trip Delay: $1,000

Reimburses up to $150 per day for reasonable additional expenses until travel becomes possible if your trip is delayed for more than 5 hours due to covered reasons.

Missed Connection: $500

Reimburses you if Inclement Weather or Common Carrier causes cancellation or a delay of regularly scheduled airline flights for three or more hours to your point of departure.

Baggage & Personal Effects: $2,500

Reimburses you if your luggage is lost, damaged, or stolen while on your trip.

Baggage Delay: $500

Reimburses you for the purchase of necessary personal effects if your bags are delayed for more than 12 hours.

Accident Sickness Medical Expense*

Pays for medical expenses incurred while on a trip.

Emergency Evacuation and Repatriation of Remains*: $1,000,000

Covers evacuation expenses as directed by a physician to the nearest adequate medical facility or home in the event of death or if medically required.

Accidental Death & Dismemberment: $50,000

Pays for loss of life and limb if it occurs within 365 days of an accident during your trip.

Cruise, Tour & Travel Extra Coverages

(when coverage is purchased within 15 days of initial Trip Payment)

Pre-Existing Medical Condition Exclusion Waiver

With the waiver it's possible to be covered for some medical issues on your trip, despite your pre-existing condition.

Trip Cancellation and Interruption Coverage

Covered reasons for Trip Cancellation and Interruption expanded to include Financial Default of an airline, cruise line, or tour operator.

Medical Expense

Medical Expense coverage becomes Primary. You can submit covered expenses to us first, making the process easier.

Baggage and Personal Effects (Primary)

Baggage and personal effects coverage becomes Primary. Submit with us first!

Assistance Services**

All Assistance Services listed below are not insurance benefits and are not provided by the Company. Travel Guard provides assistance through coordination, negotiation, and consultation using an extensive network or worldwide partners. Expenses incurred from third-party vendors for assistance services not part of a filed insurance plan are the responsibility of the traveler.

Travel Medical Assistance

A menu of services available for emergency medical requests, including prescription replacement, physician referrals, medical evacuations, and more.

Worldwide Travel Assistance

Assistance with any travel emergency or request for general travel information, including lost, stolen or delayed baggage; replacing lost passport or travel documents; emergency cash transfers; pre-trip travel advice; inoculation information; and more.

Emergency Travel Assistance

24-hour hotline to make emergency travel changes, such as rebooking flights, hotel reservations, tracking lost luggage and more.

Concierge Services

Whatever you need, whenever, or wherever you need it, you can call on your own personal assistant to help. Services include tee time reservations, restaurant referrals and reservations, wireless device assistance, sporting or theater tickets, and more. If you need it, we'll find it for you.

Identity Theft Assistance

If personal information is stolen, emergency travel counselors will assist in contacting credit card companies, monitoring credit reports and working with local authorities to help with Identity restoration. (Not available to NY residents)

$50 Roadside Assistance per car***

Towing Assistance - When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer. Flat Tire Assistance - Service consists of the replacement of a flat tire with the covered vehicle's spare tire. Towing assistance will be provided if needed. Lock-out Assistance - Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside.

**Non-insurance services provided by Travel Guard.

***Roadside Assistance service provided by Quest Towing Services, LLC.

Optional Coverage*

The following will be included if elected and appropriate costs have been paid.

Medical Coverage Upgrade

Medical Expense limit will double and Emergency Evacuation hospital of choice included. (Limitations apply)

Car Rental Collision Coverage

$35,000 in primary coverage, subject to a $250 deductible. Covers physical damage to a rental car for which the car rental contract would hold you responsible. (Coverage is not available to residents of Kansas or Texas.)

Cancel for Any Reason

The Company will reimburse 50% of nonrefundable expenses if you cancel your Trip for any reason, up to 48 hours prior to your departure. (Cancel for any Reason can only be purchased at the time the base plan is purchased and within 15 days of initial trip payment. Coverage must be purchased for the full cost of trip.)

Flight Guard®

Coverage for accidental death or dismemberment that occurs when traveling on a regularly scheduled flight or charter. Amount selected from the minimum of $100,000 up to a maximum of $500,000.

* Trip must be overnight and Destination must be at least 100 miles from the Insured's Primary Residence.

Pre-Existing Medical Condition Exclusion

If you're worried about traveling because you have a pre-existing medical condition, you should know that on many Travel Guard policies purchasing your travel insurance the same day you make your first trip deposit (or shortly after) may qualify you for the pre-existing medical condition exclusion waiver.

Pre-Ex Exclusion Waiver
The Company will waive the pre-existing medical condition exclusion if the following conditions are met:

  1. Purchasing the travel insurance with your first trip deposit, or shortly thereafter as explained in the policy;
  2. The amount of coverage purchased equals all prepaid, non-refundable trip payments or deposits, and the cost of any subsequent arrangements added to the same trip are insured by the date of payment or deposit for the additional arrangements;
  3. You are medically able to travel when your travel insurance policy is purchased.