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: June 15, 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% to 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 stability score is a perfect 100 and its service score is 97. Coverage and affordability are lower, both behind the 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:
- A 100 stability score, matching Generali, Allianz, IMG and BHTP, all backed by A+ rated insurers
- A 97.5 service score, second only to Allianz (100) and Travelex (98) among 13 providers
- An 86 coverage score, ninth overall; IMG (95.03), Tin Leg (93) and BHTP (90) score higher
- An 87 affordability score, eighth overall; World Nomads (98), Generali (93) and Travel Insured (92) score higher
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% to 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's 97 service score ranks third among 13 providers. Allianz (100) and Travelex (98) are the only two above it.
What Customers Love
- 24/7 Support Access: Call, email or use the digital portal at any hour to coordinate emergency care or confirm what documents you need
- Strong Financial Backing: AIG's A+ rating supports claims as large as $1,000,000 evacuations or trip cancellations over $100,000
- Travel Assistance Services: Concierge help, identity theft restoration and worldwide travel assistance are available for situations like a lost passport or a need for legal referrals
- Digital Claims Portal: Submit claims online, upload documents, check claim status and message adjusters directly
Common Complaints
- Higher Premiums: The Essential Plan is $104 for a $2,500 UK trip (4%), compared to $62 to $69 from competitors (2% to 3%). The Deluxe is $805 for $10,000 trips (8%), compared to 5% to 6% from other insurers
- Limited Sports Coverage: Skiing off groomed trails or diving below recreational depths requires an optional upgrade
- CFAR Purchase Window: Cancel for any reason coverage must be added within 15 days of purchase. Nationwide and IMG have 75% CFAR with no time limit
What is Covered by Travel Guard
Trip ProtectionCancellation and interruption up to 100% to 150% for illness, injury, death, severe weather, jury duty or supplier bankruptcy. Travel delay $750 to $2,000 after 6 hours. Missed connection $750 to $1,000 after 3 hours.
- Medical Coverage
Emergency medical $50,000 to $150,000 with $500 dental sublimit. Medical evacuation $250,000 to $1,000,000. Pre-existing condition waiver on Preferred and Deluxe when purchased within 14 days.
- Baggage Protection
Lost or damaged baggage $1,000 to $2,500 with $250 per-item limits. Baggage delay $300 to $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-OnsCancel 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 the Essential Plan
- High-risk activities without an upgrade (professional sports, extreme competitions, skydiving, bungee jumping)
- Events you knew about before buying the policy
- Non-emergency medical care (routine checkups, preventive care, elective procedures, cosmetic treatments)
- Government travel warnings for your destination (unless they apply to you personally)
- 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 forms to the address listed in your policy. Call their 24/7 line if you need help filing or figuring out what documents to send. Claims usually get processed within 10 business days once they have everything they need.
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?
Travel Guard requires purchase before departure. Timing varies by benefit: pre-existing condition waivers must be purchased within 14 days of the initial trip deposit, and CFAR must be added within 15 days of purchase.
Does Travel Guard offer coverage for cruise-specific incidents?
Standard plans cover missed port departures, cabin confinement and cruise line bankruptcy under trip cancellation and interruption benefits. No separate cruise insurance is required.
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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.