Travel Guard offers three coverage tiers with increasing benefit limits across trip protection, medical care, and baggage coverage.
Travel Guard Travel Insurance Review
Travel Guard ranks fifth in MoneyGeek's analysis with a 90 overall score. Backed by AIG's A+ rating, the company offers three plans with strong service scores and optional CFAR coverage.
Find out if you should buy travel insurance from Travel Guard.
Updated: January 12, 2026
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Key Takeaways
Travel Guard scored 90 overall with AIG's A+ AM Best rating and 100 stability score
Three plans from Essential to Deluxe with increasing coverage limits and optional CFAR
Service score of 97.5 ranks third among 13 providers, trailing only Allianz and Travelex
Travel Guard Travel Insurance Pros and Cons
Key Takeaways
Pros
Cons
- Strong Financial Backing: AIG's A+ AM Best rating gives Travel Guard a perfect 100 stability score, the highest possible rating for insurer financial strength
- Above-Average Service: 97 service score ranks among top providers with 24/7 assistance, comprehensive support channels, and digital claims portal
- Flexible Plan Options: Three coverage tiers from Essential to Deluxe with medical evacuation ranging from $250,000 to $1,000,000
- CFAR on Two Plans: Preferred and Deluxe offer Cancel For Any Reason coverage with 50% reimbursement of prepaid trip costs when purchased within 15 days of initial trip deposit
- Higher Costs: 87.7 affordability score ranks eighth among 13 providers; Essential costs $104 for a $2,500 UK trip versus $62 for Travelex Essential
- No Transparent Annual Pricing: Annual Plan exists but pricing isn't included in standard quotes, limiting options for frequent travelers
- Limited Sports Coverage: Adventure sports require optional upgrades while competitors like World Nomads include extensive sports coverage in standard plans
- CFAR Time Restriction: 15-day purchase window for Cancel For Any Reason versus competitors like Nationwide and IMG offering 75% CFAR with no time cap
Travel Guard Plans and Features
Trip Cancellation | Up to 100% | Up to 100% | Up to 100% |
Trip Interruption | Up to 100% | Up to 100% | Up to 150% |
Emergency Medical | $100,000 | $50,000 | $150,000 |
Dental Sublimit | $500 | $500 | $500 |
Medical Evacuation | $250,000 | $500,000 | $1,000,000 |
Travel Delay (Max) | $750 ($150/day) | $1,000 ($150/day) | $2,000 ($150/day) |
Baggage Loss | $1,000 | $1,000 | $2,500 |
Per-Item Limit | $250 | $250 | $250 |
Baggage Delay | $300 (24 hrs) | $300 (24 hrs) | $500 (24 hrs) |
Missed Connection | $750 (3 hrs) | $1,000 (3 hrs) | $1,000 (3 hrs) |
AD&D (Non-Flight) | $30,000 | $30,000 | $30,000 |
AD&D (Flight) | $100,000 | $100,000 | $100,000 |
CFAR | Not Available | Optional (50%) | Optional (50%) |
Pre-Existing Waiver | No | Yes (14 days) | Yes (14 days) |
Rental Car Coverage | Optional | Optional | Included ($50,000) |
Hospital of Choice | No | No | Included |
Travel Guard Travel Insurance Rates
Travel Guard's pricing varies by age, destination, trip cost, and duration. Seniors pay 45-50% more than younger travelers.
International, 30 years old
10 days, Spain, $8,000 | $182 | $330 | $425 |
10 days, UK, $2,500 | $104 | $189 | $229 |
10 days, Australia, $10,000 | $392 | $700 | $805 |
International, 65 years old
10 days, Spain, $8,000 | $265 | $423 | $543 |
10 days, Australia, $10,000 | $392 | $700 | $805 |
Domestic, 30 years old
5 days, USA, $3,000 | $88 | $160 | $218 |
Comparing Travel Guard vs. Other Companies
Travel Guard ranks fifth with a 90 overall score. Its perfect 100 stability score and 97 service score stand out, though coverage and affordability lag behind top competitors.
1 | World Nomads | 93 | 98 | 85 | 95 | 89 |
2 | Generali | 91 | 93 | 88 | 100 | 89 |
3 | Allianz | 91 | 85 | 88 | 100 | 100 |
4 | IMG | 91 | 83 | 95 | 100 | 95 |
5 | Travel Guard | 90 | 87 | 86 | 100 | 97 |
6 | Travel Insured | 90 | 92 | 85 | 95 | 89 |
7 | BHTP | 90 | 86 | 90 | 100 | 96 |
Comparison notes:
- Travel Guard's 100 stability score matches Generali, Allianz, IMG, and BHTP, all backed by A+ rated insurers
- 97.5 service score trails only Allianz (100) and Travelex (98) among 13 providers
- 86 coverage score ranks ninth; IMG (95.03), Tin Leg (93), and BHTP (90) offer stronger coverage
- 87 affordability score places eighth; World Nomads (98), Generali (93), and Travel Insured (92) provide better value
Who Should Buy Travel Guard?
Best for Financial Stability Seekers: Travel Guard suits travelers who prioritize claim reliability and strong customer service over cost. Ideal for expensive trips where payment certainty matters most.
Best for High Medical Evacuation Needs: The Deluxe Plan's $1,000,000 medical evacuation coverage ranks among the highest available for remote destinations.
Not Ideal for Budget Travelers: Travel Guard ranks eighth for affordability. Compare cheapest travel insurance options or consider Generali for 15-40% lower premiums.
Not Ideal for Adventure Sports: Standard plans require optional upgrades for skiing, scuba diving, and mountain climbing. World Nomads includes extensive sports coverage in base plans.
Travel Guard User Reviews
Travel Guard earned a 97 service score, ranking third among 13 providers. Only Allianz (100) and Travelex (98) scored higher.
What Customers Love
- 24/7 Support Access: Round-the-clock assistance through phone, email, and digital portal helps coordinate emergency care and guide documentation requirements
- Strong Financial Backing: AIG's A+ rating provides confidence for large claims like $1,000,000 evacuations or six-figure trip cancellations
- Comprehensive Services: Concierge services, identity theft restoration, and worldwide travel assistance for lost passports or legal referrals
- Digital Claims Portal: Online submission with document upload, status tracking, and direct adjuster communication
Common Complaints
- Higher Premiums: Essential Plan costs $104 for a $2,500 UK trip (4%) versus competitors at $62-$69 (2-3%). Deluxe costs $805 for $10,000 trips (8%) versus competitors at 5-6%
- Limited Sports Coverage: Skiing beyond groomed trails and scuba diving below recreational depths require optional upgrades
- CFAR Purchase Window: 15-day deadline for Cancel For Any Reason eligibility creates pressure. Nationwide and IMG offer 75% CFAR without time caps
What is Covered by Travel Guard
Trip Protection
Cancellation and interruption up to 100-150% for illness, injury, death, severe weather, jury duty, or supplier bankruptcy. Travel delay $750-$2,000 after 6 hours. Missed connection $750-$1,000 after 3 hours.
Medical Coverage
Emergency medical $50,000-$150,000 with $500 dental sublimit. Medical evacuation $250,000-$1,000,000. Pre-existing condition waiver on Preferred and Deluxe when purchased within 14 days.
Baggage Protection
Lost or damaged baggage $1,000-$2,500 with $250 per-item limits. Baggage delay $300-$500 after 24 hours.
Accident and Support
Accidental death and dismemberment $30,000 non-flight, $100,000 flight. 24/7 worldwide assistance, concierge services, identity theft restoration.
Add-Ons
Cancel For Any Reason (50% reimbursement, Preferred/Deluxe only). Rental vehicle damage up to $50,000 (included with Deluxe). Sports and adventure upgrade for skiing, scuba diving, mountain climbing. Medical bundle with expanded limits.
What’s NOT Covered
- Pre-existing conditions on Essential Plan
- High-risk activities without upgrade (professional sports, extreme competitions, skydiving, bungee jumping)
- Known events announced before policy purchase
- Non-emergency medical care (routine, preventive, elective, cosmetic)
- Government travel warnings affecting regions (not you specifically)
- Losses from illegal activities or intoxication
Travel Guard Claims Documentation Requirements
Submit claims through Travel Guard's online portal at travelguard.com or mail paper claims to the address in policy documents. Contact 24/7 assistance for filing help and documentation guidance. Most claims process within 10 business days of receiving complete documentation.
Trip Cancellation | Medical documentation with physician's statement showing inability to travel; death certificate for death claims; severe weather documentation from National Weather Service; bankruptcy notification; jury duty summons |
Trip Interruption | Receipts for unused prepaid expenses; original travel itinerary; proof of early return transportation costs; documentation of covered reason; confirmation of unused hotel nights or tours |
Emergency Medical | Itemized bills from healthcare providers; medical records documenting treatment; physician's notes; explanation of benefits from primary insurance (if applicable); prescription receipts; diagnostic test results |
Medical Evacuation | Medical records showing necessity for evacuation; physician's orders for transport; transportation bills from air ambulance or evacuation service; destination facility admission records; documentation that local facilities couldn't provide necessary care |
Baggage | Airline or transportation provider confirmation of loss or delay; receipts for lost items; police report for theft; photos of damage; proof of when bags were returned (delay claims); receipts for essential purchases during delay |
Travel Delay | Airline or transportation provider confirmation showing delay length and reason; receipts for meals, accommodations, and essential purchases; original travel itinerary showing planned departure time |
FAQ: Travel Guard Travel Insurance
Can I purchase Travel Guard insurance after my trip has started?
No. Travel Guard requires policy purchase before departure, though timing varies by benefit. Pre-existing condition waivers need purchase within 14 days of initial trip deposit, while CFAR requires purchase within 15 days.
Does Travel Guard offer coverage for cruise-specific incidents?
Yes. Standard plans cover missed port departures, cabin confinement, and cruise line bankruptcy within trip cancellation and interruption benefits without requiring separate cruise insurance.
What happens if my travel companion cancels but I still want to go?
Travel Guard covers your cancellation if your companion cancels for a covered reason and you choose not to travel alone. Both travelers must be on the policy.
How does Travel Guard handle claims for trips with multiple destinations?
Travel Guard covers multi-destination trips under a single policy. Trip interruption applies if you return home from any destination. Travel delay and baggage coverage extend throughout all planned destinations.
Can I extend my Travel Guard coverage if I decide to stay longer?
No. Policies cover only the trip dates specified at purchase. You cannot extend coverage after departure. Contact Travel Guard before departure to modify your policy for additional premium.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.