Editor Review of Travel Guard
The Good: Travel Guard insurance plans automatically include a comprehensive list of non travel insurance services (pre-trip health and safety advisories, golf course reservations, hotel and rental car reservations, and more) that are provided by Travel Guard, not a third-party company. Travel Guard offers a high number of travel insurance plans, including package plans, travel medical plans, medical evacuation, and travel accident plans, to fit many traveler types. Plus, optional coverage is available to customize most plans to your needs.
The Drawbacks: The high number of plans may make choosing difficult. Not all plans are available to residents of all U.S. States due to local regulations.
The Bottom Line: Travel Guard has over 20 years industry experience and is a strong leader in the travel insurance industry. They offer a high number of plans to choose from, including single trip and annual plans plus travel medical plans. Travel Guard insurance also has enhanced travel emergency assistance services that include travel medical assistance, concierge services, identity theft services, and more.
How to Get a Quote
Compare quotes from all companies: Click here to get quotes from all major travel insurance companies using a comparison tool.
|US Travel Insurance Association Member||Yes|
|Refund Policy||15-day Free Look Period|
|Travel Insurance Plans||Package plans
Gold - most popular plan
My Travel Guard
Travel Medical plans
Travel Rite Annual
Medical Evacuation plans
Travel Accident plans
Car rental collision
|Company Contact Information||Travel Guard
3300 Business Park Drive
Stevens Point, WI 54482
|Policyholder Questions||1-800-826-1300 or 1-715-345-0505 (collect)|
|Travel Assistance/Emergencies||Inside US/Canada: 1-800-826-1300 (toll free)
Outside US/Canada: call operator & connect to 1-715-345-0505 (no charge)
More about Travel Guard Insurance
Travel Guard, an industry leader of travel insurance plans, offers a range of travel insurance plans designed to cover U.S. Many work reasons, such as layoffs, required to work, direct involvement in a merger or product recall, business rendered unable to open due to burglary or natural disaster, revoked leave (civil and military), are covered reasons for trip cancellation in many (but not all) Travel Guard plans.
When certain plans are purchased within 15 days of your initial trip deposit, they include the popular pre-existing condition waiver, flight guard AD&D, and financial default for common carriers. Some Travel Guard plans have shorter look-back periods – 90 days – as opposed to the typical 180 days.
While Travel Guard has a plan for just about every type of traveler, several plans are designed for specific types of travelers: golf travelers, adventure travelers, and sports travelers. These plans offer benefits not found in other plans.
Travel Guard package plans do not typically have age restrictions, although some coverage limits within the plans are reduced for travelers over age 70.
Optional Coverage Available in Travel Guard Plans
- Flight guard AD&D
- 24-hour AD&D
- Car rental collision coverage
- ‘Cancel for any reason’ when purchased within 15 days of initial trip deposit
- ‘Cancel for work reasons’ when purchased within 15 days of initial trip deposit
- Additional medical coverage (includes hospital of choice) that waives the deductible (if applied) and increases the plan limits
- Additional baggage coverage for sports equipment
- Upgrade for adventure sports coverage
Highlights of Travel Guard Plans
- Travel Guard plans come with enhanced travel assistance services that are unique in the industry and managed by Travel Guard, not a third-party company
- Travel Guard package plans include trip cancellation for common work reasons, such as termination, required to work, leave revoked, military deployments, and more.
- Medical evacuations to the hospital of your choice included in many plans.
- Several plans provide coverage for children up to age 17 at no additional cost.
How to Get a Quote
Compare quotes from all companies: Click here to get quotes from all major travel insurance companies using a comparison tool.
Travel Guard Travel Insurance Plans
Designed for travelers who want comprehensive coverage and high maximum limits
This plan includes cancellation for common work reasons (job loss, required to work) in the base plan. This plan has no deductibles or copayments. Optional coverage is available for pre-existing medical conditions and travel supplier default (purchase within 15 days). Primary medical and baggage coverage is included if purchased within 15 days. ‘Cancel for any reason’ upgrade available as well.
Gold – most popular plan
Comprehensive travel coverage and kids under 17 are covered at no additional charge
This plan includes cancellation for common work reasons. Children under 17 who are related to and traveling with the primary insured, are covered at no additional cost. Plan comes with a range of assistance services. A number of optional coverages – ‘cancel for any reason’, flight guard, car rental coverage, emergency evacuation upgrade – can enhance this excellent travel insurance plan.
Excellent budget-minded trip cancellation plan, perfect for adults traveling with children
This plan includes standard travel insurance coverage, including cancellation, interruption, travel delays and baggage losses. The medical coverage limits are relatively low. One child under 17 per insured adult is covered at no additional charge. This plan comes with multiple assistance services and a few optional coverages.
My Travel Guard
Great travel insurance plan with loads of customizable options to make it your own
This plan offers coverage for all the expected things: cancellations, interruptions, delays, lost luggage, medical and evacuations without a lot of extras in the base plan. Several optional upgrades, however, make it easy to customize this plan for your trip without paying for a lot of coverage you don’t need.
A budget plan for essential travel insurance protection – great for students and families
This plan provides essential travel coverage – cancellations, interruptions, delays, medical, evacuation, and baggage – and optional coverages fill in the gaps.
Specifically for the business traveler, this is annual travel insurance for all the trips in a year
This package plan is designed specifically for the typical road warrior – the business traveler who takes multiple trips throughout the year. It ensures that emergency medical and evacuations – including security evacuations – are handled while providing missed connection coverage, baggage coverage, AD&D, and business assistance services as well.
Travel Medical Plans
Travel Rite Annual
An annual travel medical plan designed for frequent travelers with some package-like benefits
This basic travel medical plan covers the insured for multiple trips throughout the year and includes some package-like benefits for cancellations, interruptions, baggage delays, and more.
Medical Evacuation Plans
Essential coverage when you need medical care or emergency transportation fast
Available to individuals and families on a per-trip or annual basis, this plan provides emergency medical evacuations along with medical care for injuries and illnesses that occur during a covered trip. Coverage for one child up to age 17 for each covered adult included at no additional cost. Non medical political evacuations are also covered, and the insured can choose to add optional coverage for adventure activities and baggage protection.
Travel Accident Plans
Term life and accidental dismemberment benefits for you and your family
A highly specific plan focused entirely on AD&D, this plan delivers solid term life and accidental dismemberment benefits to you or your beneficiaries regardless of any other life insurance or AD&D protection.
Car rental collision
An affordable alternative to insurance from the rental agency
This plan provides comprehensive coverage for cars rented on your trip. This coverage also pays for loss-of-use charges commonly imposed by the car rental companies while a rental car is being repaired. Choose your coverage limits and save a bundle at the rental counter.
How to Get a Quote
Compare quotes from all companies: Click here to get quotes from all major travel insurance companies using a comparison tool.
Screenshot from the Travel Guard website
How to Get a Quote
Compare quotes from all companies: Click here to get quotes from all major travel insurance companies using a comparison tool.
Disgruntled Claimant says
Absolute scam of a company. James Page of AIG wins Innovate Executive of the Year at the 2016 Travvy Awards – for promoting wide spread insurance fraud.
Classy company. Months of zero activity on a claim, blaming computer systems, with zero communication of status.
DO NOT EVER USE AIG TRAVEL INSURANCE
Terrible! I remember I had a legitimate reason to file a claim, but they would ask you for documents that would be really hard to get as a requirement for you to get compensated. In other words SCAM! Don’t do it!
Sandra Gonzalez says
I am in your same shoes. The day of my flight (just a couple of hours before I was traveling to Spain) my dad, who is 89 and on dialysis, became ill, his pulse went very low and the attending physician was contemplating sending him to ER if his pulse would not go up. My trip was on February 19th and I submitted my paperwork first week of March. To date, no money back and every time I call, no one is available and last time I called I was told the agent was waiting to hear from Book it to confirm if they had refunded me any money. I called Book it and I was told they had sent them confirmation that they had not returned any money to me. I will never ever use them again or Book it, since Book it does not help their customers in any way when they experience problems such as this after purchasing this policy through them.
Absolutely DISGRACEFUL!!!! Never use!! Would recommend recording calls with them.
When I lodged my claim (within 24 h of loss) they told me that it would suffice to outline my situation in writing without obtaining a loss report from the airline (i.e. at a time when I still could easily file a loss report). They then rejected the claim on the grounds that a loss report was not made as soon as possible after claim (i.e. the information in writing was contradictory to that on the phone and cost me my claim).
My trip was canceled due to disease out break in the country I was traveling to. I was refunded the money spent on the hotel but only half from American Airlines. I contacted TG and explained the situation, I was told that there was nothing they could do because a disease out break is not a covered reason to cancel according to their “terms”. I was then told that I can travel to this country anyway and if I contract the disease then I would have a legitimate claim with them. Also they could not refund me $196.00 paid for the useless policy either because the entire trip cost was not refunded (the airfare)
Biggest Waste of Money out there!
Very pleased with Travel Guard trip insurance. We have purchased their insurance many times and never had to file a claim until now. Our flight could not land at our final destination because of fog, and returned to Dallas -Fort Worth. Was able to re-book to the next available flight the next morning. We were able to get a room at the hotel at the airport, free shuttle, had a great dinner and breakfast at the hotel, caught our flight home with no other problems. Filed the online claim form after printing out and scanning all the required documentation for hotel stay, and meals. Received an e-mail right away about claim being processed, and an a claim approved e-mail 2 days latter saying the check for the full claim amount should arrive in 7-10 days. Thanks Travel Guard for making the delay much less trouble, it was like so what, we have insurance lets get a room and relax!
This is the most annoying company……………Do not get fooled by their advertisements and big promises. I recently bought travelling insurance. This include trip interruption. I missed my flight at Dallas and when I claimed my over night stay at the hotel they denied to reimburse saying this is not covered under the policy………..What a stupid response.
This company is head quartered in Winconsin and had only a communicating office in Toronto. This company is trapping Canadians !!!! BE AWARE OF THIS SCAM !!!!!
This insurance is a rip off don’t make the mistake I made. Paid 181.00 got 3.99 for my bag that was ruined. Nice company so glad I got this insurance….,,NOT!!!!
Jackie Art says
Travel Guard is a SCAM!!!!!!!!! It’s not cheap — and the amounts they covered for our missed connections and the tickets we had to purchase because of them were a joke! For two of us traveling, our additional tickets cost over $3200, and we got only $500 back. When you consider the significant cost of the travel insurance in the first place, that’s really lousy. Now I’m fighting with Travel Guard because in the course of travel, my inflatable paddleboard in a backpack was dragged across pavement, leaving a hole in the backpack and in the inflatable paddleboard. Travel Guard wants me to furnish a receipt for the board, which I purchased in April 2013. Sorry, i don’t retain receipts that long. I’ve already shown them pictures of the damage and described what happened. I talked to the rep today and said I could furnish a copy of the cancelled check I used to pay for the paddleboard, along with emails between me and the vendor (in which we discussed the model of the board and the sale price). The rep said that’s not sufficient, and there’s no proof that I used the check to pay for the paddleboard. Never mind that the name of the payee/vendor and the amount exactly match what’s documented in the emails. What a huge SCAM this company is!!!!!!!!!!!! I would recommend staying far, far away from them. You’re just about better off not having any travel insurance. When you factor in the aggravation of dealing with these people, you are almost certainly better off without insurance.
Peter newsky says
Do not buy insurance from this company they make so Many promises buy don’t want to Pay back a penny do not use them
Victoria Weeke says
You are so right. No matter what happens, this company has an excuse of why they will not pay. My last trip involved a medical expense and they want my USA company to go through the paperwork and send a rejection notice. I have already talked to Travel Guard FIVE times and this is the first I have heard about it. My trip before that was denied when the return trip was delayed a day because of engine trouble. I can’t think of what it is that they DO pay for. I assume it is nothing. They take money, but they don’t pay claims.
yaumara mesa says
the worst travel insurance save your money with other company
We have used this company for many trips, and, luckily, only have had to make claims twice. Both times everything was handled efficiently and without a hitch. The first time our flight was cancelled due to “technical issues” (according to the airlines). We received reimbursement for our hotel stay, cab ride home (after our flight), and the extra meals we had. No problem whatsoever – all we did was call the company the minute our flight got cancelled, and then called back once we were rebooked to let them know the situation.
This year my husband got laid off from work, and then was hospitalized three days before a cruise. We were reimbursed for all “promised” items in the contract…. just had to produce the required paperwork (yes – a pia – but not anymore so than any other insurance claim!).
We are very satisfied with this company and will use them again
raudel arteaga says
the worst travel insurance this company is just looking to make money,no real services and will deny everything no matter what to make you go away.
I can’t believe all of the negative comments here. I only wish I had read some of these comments before deciding to purchase one of AIG Travel Guard’s travel cancellation policies.
I can tell you right now, do not waste your time unless you plan on having a scheduled medical emergency or hijacked by terrorists. It is a complete scam. I purchased a flight through Hop2 Travel (also, in hindsight, somewhat of a scammy company) and decided to purchase the travel insurance via AIG in the event I had to cancel my trip due to business-related purposes – which is exactly what ended up happening. After reviewing what the insurance would cover, “trip cancellation” was all that was outlined. There were no clear definitions or clauses that a trip could only be cancelled in the event of certain macabre scenarios. A bulleted list of these specific items would have been much appreciated.
Additionally, in the event you do need to cancel your trip and you meet their ridiculous criteria, you have to give AIG a months+ notice to process the claim. After giving then a month and half I found out my claim was denied.
Do yourselves a favor and keep your $50. The hassle of dealing with this company and their scam-ridden ways isn’t worth it.
Greg P (Wash DC) says
My experience happened in Mar 2012 and I only got upset about this rip-off company again when cleaning out my office and finding the unpaid claim paperwork.
My wedding was in March 2012 and was a destination wedding to Hawaii. I purchased my mother’s airfare ticket on my credit card and purchased the travel insurance with my credit card. 5 weeks before my wedding, my mother unexpectedly died. I placed the claim for the $532.80 airfare ticket; I supplied her certified death certificate and all paperwork for the claim. Approximately 3 weeks later we received the denial that we needed to provide the final “probate of the estate” and provide notarized documents from my 4 siblings (who are scattered between Alaska and Washington DC) that they were releasing “their interest” in the insurance reimbursement because this “sizable insurance payment” was a part of my mother’s overall estate and they needed to release their claim of the “sizable payment”. 5 phone calls later to these idiot insurance offices – I realized that this insurance is a scam and a rip off . We were not going to be probating the estate and we did not have a “Last Will and Testament” leaving this insurance policy to me. Yes this rip off insurance asked for me to produce a “Last Will & Testament” showing that I was the sole beneficiary of the Travel Guard insurance. I have all of these shenanigans in writing and tell my friends to not purchase any of these add on 3rd party – I made the mistake getting ripped off. I advise friends to use Amex travel services or any other credit card that normally offer these same services free of charge when booking on these credit cards.
I’m sorry for your loss.
Firstly, send a copy of the Death Certificate to the airline’s refund dept.; all of them (even the much-loathed Spirit) will issue a refund to the original form of payment without a fuss, you don’t actually need to involve the insurance company at all.
Next, even if you go through insurance, the insurance company is correct; on a trip insurance policy, the person named on the policy (or their estate) is the beneficiary (unless you specifically name a different one; I know TG has this option for some of their policies.) It doesn’t matter who paid for the policy or ticket; that’s not part of the policy itself. (This is not unique to Trip Insurance… even with life insurance you have to specifically pick a beneficiary or let it go to the estate.)
If the estate has an executor, I imagine the payment can go to him/her. If your mother had an estate small enough that you aren’t bothering to mess with it, then yes, the money is “stuck” (for instance, the same her checking account; they won’t hand that out without papers either) If the payout goes anywhere, it will be to the Abandoned Property Office for her state.
A Miller says
Wow, so many negative comments.
My mother became ill on a trip to Ethiopia and she would probably have died without Travel Guard. (no, I’m not being paid by them for this)
They paid for the air ambulance to Paris, the two months of intensive care, and the flight back to the states when she was finally stable enough to travel. They also had a physician on staff to help coordinate her care and consult with the doctors in Ethiopia, France and the states.
I can’t say anything about the coverage or hassles related to trip interruption, but when we needed them, they were there for us.
Many other people have mentioned though, that if they can tie some obscure “illness” to the heart attack or whatever happened on your trip, they will… And then promptly deny it. You lucked out.
I filed a claim after a scheduled cruise was cancelled just prior to boarding. Although we had traveled from out-of-state to the port, requiring an overnight stay and several tanks of gas – and the same on the return trip – they denied all expenses, saying that those expenses would have been incurred regardless of the cruise being cancelled. Excuse me?? I would have had no reason to drive across three states to a port, only to be turned away and drive back. I have bought travel insurance many times in the past. This is the first time I have ever filed a claim. I will never buy it again. It is worthless.
This decision was correct (and how all Trip Insurance policies work.) On a fundamental basis, Trip Insurance does not cover the parts of your trip that you used. You went there, you came home. The fact that the main thing you planned to do (go on the cruise) did not occur, is not part of the payout. (And, for instance, you could have done something else, like a last-minute land-based vacation (which TG would have helped you arrange), with the refund from the cruise line.)
In your case, you had no additional expenses because you would have had to drive home at the end of the trip with or without the cruise in the middle. If you had to fly back to your embarkation port because of a mid-cruise emergency (like a relative dying), they would reimburse the flight (and the missed cruise days), but you’d still be driving yourself home at your original expense. (The flight would be additional expense, the drive would not be.)
Srinivas Reddy says
Worst Insurance **** Total Ripoff****
I had a flight booked out of Minneapolis and there was heavy snowstorm on my way to the airport. My car skid on one of the turns and ended in a ditch. I called on a tow truck, got it towed and reached the airport with 40 mins to spare but the airlines refused to give me a boarding pass due to an newly put in TSA policy that everyone needs to be checked in 45 mins prior to takeoff. I called the insurance company to get an refund as it promised during booking. But I was rejected because I didn’t meet any of their requirement of trip interruption which would only be applicable if I had suffered bodily injury during my accident, all the roads were blocked causing anyone to reach the airport (not sure why would the govt do this?) or any death. I offered to provide my tow receipt as proof but was told that was not good enough. The cream of the crop would be the customer service were multiple representatives were happy enough to acknowledge me that I was sucker to sign up and pay money for their insurance.
Do NOT.. DO NOT buy insurance from this company. They are a RIP OFF, SCAM company. They make so many promises but don’t want to pay back a penny. When we have a claim that is below $1000.00 we don’t want to go thru the hassle & frustration of filing small claims so they end up winning and continue on ripping off people day after day…. Do NOT use them. you won’t be sorry.
No way would I use this company again.
As a senior citizen living on social security, I can only take a trip about once a year. And a cheap trip at that. After booking a 4 day trip the first week of January, I had to go to the emergency y room a week later due to some heart problems. I have had skipping heartbeats for the last 20 years, they come and go. But this time they became rather dramatic so I cancelled the trip so I could go to a heart specialist after my personal physician informed me that it was best not to travel…to be on the safe side. Thus, several weeks after I filed the claim, Travel Guard denied my claim saying that I had this problem previously.
Apparently, this company will look for every way they can save money after taking yours. Unless you have had perfect health all of your life….It would be wise to find another travel insurance company in my opinion.
That is exactly what they do… Ripped you off
Rob LaComb says
I was travelling from Florida to Buffalo for the holidays and decided, I’ll get travel insurance on my flights in case something happens due to weather. What do you know? Something happens because of weather and travel guard is useless. But not only are they useless, they strung me along for 2 weeks without even beginning the claims process. Then once the claim is finally initiated, it takes an analyst 4 weeks to look at 4 documents that show there was a state of emergency in the area and I had all the documentation to show I purchased a new flight. It was specifically stated in my Agreement sent to me via email that trip interruption is fully covered (actually 125% of the cost). Gotta love insurance companies. Save yourself the 15-30 bucks and DO NOT PURCHASE INSURANCE FOR ANYTHING FROM TRAVEL GUARD!
I want everyone looking to buy travel insurance to beware of this s
I purchased trip insurance specifically from travel guard the week I booked my trip because they claim to waive preexisting conditions if the policy is purchased within 10 days of placing a deposit on a trip. Now they are using my preexisting condition to deny coverage in violation of the waiver stated in the policy. BEWARE
I will NEVER buy this insurance again!
I bought this travel insurance for my mother and my father in-law, who were visiting us in Houston. The first incident was with my mom. She broke a tooth. After the insurance approved the treatment on a dentist selected by them, my mom went to get the service. When she was ready to leave, the lady at the front desk told her that they didn’t get the paperwork from the insurance and she had to pay out of pocket. After many phone calls and arguments with the insurance because they didn’t want to pay, my mom got her money back. The second incident was with my father in-law. He entered the emergency room 6 months ago and required to stay in the hospital for 4 days. The people from the insurance said they made a negotiation with the hospital and paid according to the agreement. The hospital is billing the “negotiated amount” to my father in-law. I have been trying to get the insurance to send the hospital or us a copy of the agreement since two months ago and we are still waiting. The hospital has sent my father in-law to collections and the issue has not been solved. Terrible experience. I do not recommend them.
My wife and I used Travel Guard for our honeymoon. We scheduled a 10 day trip to Mexico. On the third day, we were informed that we either had to leave the area or we would be evacuated due to an oncoming category 3 hurricane headed right for us. We booked a flight out of Mexico back to the U.S. thinking that our travel insurance would cover the additional flight and the 7 unused days on our trip. Travel guard refused to pay for ANYTHING. They said that because our original flight we had scheduled at the end of our 10 day trip had not been cancelled (because the hurricane had already passed through by that point), we were not entitled to any compensation. So in order for us to get a refund, they said we would have to have stayed through the hurricane. This was ridiculous. The entire point of taking out the insurance was to protect us in the event of a hurricane. Stay away from this company… it is a SCAM and a RIP OFF!!!!
Don’t get “Travel Guard”!! I had the worst experience with them just recently.
They would charge you “30% deduction” if you “fail” to contact Travel Guard prior to seeking medical treatment”. I want to ask you; who would call the insurance company every single time you seek a medical treatment? Particularly when you are traveling overseas, who would want to go through this telephone call business? But if you fail to call them, you’d LOSE 30% of your claim!!
There are other travel insurance WITHOUT such stupid policy. Avoid Travel Guard by all means.
My experience with Travel Guard was a good one. We had our dream trip to Ireland all bought and paid for. About a week before leaving, my wife started having chest pain which resulted in her having a Heart procedure done. We had to cancel our trip on the advice of her Doctor. I called Travel Guard and they told me what I needed to send them to get my money back. It took about 8 weeks from my initial call to them, but I was paid back every Penny. We will definitely use Travel Guard when we reschedule our trip.
SOOOOO disappointed, what a RIP OFF!!! This was my first time buying travel insurance for the year, only to find that I wasn’t covered because I came home in between trips. I asked them for a pro-rated refund, and I was refused. They blamed it on me, and kept all of my money. STAY AWAY, it is a SCAM!!!!!
We purchased this insurance in January, 2014 for a cruise in August, 2014. Had some medical problems that caused a cancellation of the cruise. Had all kinds of coverage including preexisting medical conditions. Upon cancellation and filing all their claim forms and gathering the information from the doctors, they still are giving the run around and will not their policy. They are making one excuse right after another for not paying the claim. Please do not waste your money on this Insurance Company. So far, still trying to collect from this company. This is not over.
Henry K says
Thank you all – -I decided I will just EAT the $6,000.00 if we have to cancel for any reason – -sounds like any other way would be too stressful.
I wish I had read these comments before purchasing my policy. It seems that my trip dates (a river rafting trip) did not include the “travel dates” (the day before and after the trip), therefore my claims for trip delay were declined. But, it gets better. Trip delay does NOT cover …. “common carrier delay”! Check out the definition of “reasonable additional expenses”. This is not intended to cover reasonable expenses incurred to reach one’s destination resulting from “common carrier delay”.
It is one thing to limit coverage to specific events. It is quite another to present a policy that a reasonable person would conclude coverage and then refuse that coverage based on (see below) their interpretation of their document. It appears that there is perhaps an intent here to mislead a reasonable person into making a purchase that they would not make if they understood the company’s interpretation of their document.
Thomas Miller says
Travel Guard is basically a double-talk, misleading, fraud of a company. They write their policies to give themselves plenty of wiggle room and to interpret the language in their own interest instead of the insured. When you call regarding a claim the first thing the claims dept. rep says is, “regrettably what you have said is not covered” or “unfortunately we do not cover that”, and they tell you that go ahead and submit your claim and a claim associate will determine if it is valid. I talked to a supervisor who simply told me their responsibility was to advise you of their policy on claims. UGH!!! Time to write the Texas Insurance Comm. with a complaint!
This insurance is a complete waste of time! They exclude everything so what the hell is it good for? I will NEVER EVER use Travel Guard again. They tell you one thing on the phone and you submit your claim with all required documentation only to receive notice from their claims department that your claim has been denied. I promise you THIS IS NOT OVER! I just want to warn anyone out there looking for insurance for trip interruption. This insurance is useless. Use someone else! Not only will you waste your money purchasing this crap, you WILL NOT be refunded any money at all for your loss!!! TOTAL RIPOFF!!!
Gabe S says
After using them for years I WILL NEVER USE THEM AGAIN..had full insurnce and they will not pay. Unless i get a letter from the airline documenting why the plane was so late that I missed connections..what airline would ever do so…
Please please please do not use travelguard. I have sued and my travel partners are suing also.. You will never collect !!!
pretty much any airline will do this
James MacBain says
Will not use Travel Guard again! Have used them in the past but never had to collect. This time, I did and was very disappointed. After jumping through all their documentation hoops which were a real pain, they refused to reimburse the full cost of my trip interruption. This was even after I provided them a fully itemized list of expenses provided by the tour company. Remember they claim to reimburse anywhere from 100% to 150% of costs for trip interruption. As a reason, they gave me some bureaucratic BS that I could not understand. I think the TG for Travel Guard really stands for “Too Greedy.”
Gloria I. Holloway says
I have used this company several times and will never use them again. They made my life hell. I submitted a claim and after providing all the documentation they asked for, the company never honored their policy. NEVER USE THIS COMPANY! If you have a claim they will do all possible not to pay, worst travel insurance company.
Michael Kellt says
Me too. Did you sue. I have filed an action and am trying to get a claims history from them.
YOU ARE RIGHT I USED THEM ONCE AND THEY REFUSED TO PAY MY TRIP INTERP. COST.
Tim and Diane Bowden says
We had an outstanding experience with Travel Guard. We insured a trip to Alaska with them and were not able to travel for medical reasons. We filled a claim and they promptly responded. We highly recommend Travel Guard for travel insurance.
Bradford Tunell says
Our daughter and a friend attended Quasid Institute in Amman this past summer on a study program thru NCSU. We purchased the travel insurance thru Travel Guard when we booked the flights with Webjet. Due to the State Department advisories and the closings of all our Middle East embassies including the one in Amman, we flew the girls home 8 days early. Both girls incurred change fees and penalties for changing the original flights of approximately $600 each, which we expected. What we did not expect was a denial of our reimbursement claims for the penalties/change fees from Travel Guard and a runaround. This company has no intention of paying out our claims even though we have provided extensive documentation to them. I suspect the above endorsement is a sham posting just like this company is a sham. Buyer beware.
Read the fine print before you give them a dime, and do not believe what the sales agents tell you.
I purchased a policy in December 2012 for a tour and airfare in August 2013. I would be making installment payments on the tour and increasing trip insurance coverage accordingly. I purchased the airfare and upgrades knowing that the upgrades might not be honored at the time of travel in deference to full paying passengers. If that were to occur, the airline would refund related points and fees.
I specifically advised Travel Guard of this at the initial purchase and at every conversation thereafter as I was increasing coverage/premium with each installment payment. All the agents told me to purchase their policy to cover all trip costs including the upgrade fees, and they assured me that if I didn’t get the upgrade, the related Travel Guard premium would be refunded. They all acknowledged that this could only be resolved upon completion of my trip.
I completed the trip and did not get the upgrade, and the airline promptly refunded points and fees. I asked Travel Guard for the refund and they have denied my request quoting a policy provision of 15 day guaranteed satisfaction provided it is made before travel begins. These conditions were not valid even when I purchased the policy, much less upon completion of travel, and the agents were the ones telling me to purchase coverage that wouldn’t be honored.
I will be filing a complaint with the state insurance department fraud unit.
The worst than you can imagine.
They even dont have any office in Canada. You can not get any thing from them because they interpret their policies in a way not to pay you anything. Funny insurance company
Waiting 3 months on claim to be refunded, and what? are we waiting on. “PROOF” of the weather conditions in July when this cruise was cancelled. Unbelieveable!!!!!!!! Will never use Travel Guard again, this was not in the fine print, when this cruise was purchased. Just a simple “Do you want to purchase insuance”?
They make you fill out many forms to process your claim. They try to get you to claim your medical expenses first with the government, your employer’s insurance and your credit card company if you have it. Pointless to purchase their insurance if you have any other.
the worst travel insurance company in the world. they make submitting a claim extremely difficult will never use them again
are several months that I try to get in touch with the office claims to have information about my practice but always responds to voice mail. When i call the cc theyI always answer me that They will recall me but I’ve never been recalled. I wrote several emails but no reply all. bad service.
I’m not sure about the negative reviews here. Many of your problems are ones that seem to be caused by not reading the fine print – the company clearly states what is and is not covered under their policy. While I haven’t gone through the claims process yet, Travel Guard was instrumental in saving the life of a traveling companion of mine and organized a medevac flight to a village of 8,000 people in rural Nepal in less than three hours. To the reviewer who went to Israel – no insurance company covers anything having to do with wars or terrorist attacks, sorry.
We paid for the top level of cover, we were delayed by the airline and missed connecting flight as a result. Travelguard would not pay out and meant we were stranded in Korea at our own expense.
We totally agree – NEVER AGAIN!! Travel guard was a complete waste of money. They did nothing for us. We might as well have flushed the money down the toilet!
travelguard never did anything for me. you are right. dont buy!! DONT buy!!!
Count me in the “never again” former customers of Travel Guard. Having bought coverage through Spirit Airlines, I missed a connecting flight when a Spirit representative didn’t deem my situation urgent enough to move me up in a customs line. So I had to get a hotel room ($130) and book a flight ($235) for the following morning. Naively, I assumed I had purchased travel insurance for just such a circumstance beyond my control. Travel Guard ended up paying me $100, its daily limit for a “trip delay” but nothing for my second airfare, because under its “trip interruption” fine print, “carrier delay” is not a covered reason. So their logic is that I was entitled to partial hotel reimbursement because of a carrier delay, but not replacement airfare because of carrier delay. The only logic of their policy is to deny claims. Buyer beware.
Chika Adams says
We cannot claim ours as well. There is a fine print under Trip Interruption: “excludes Air Traffic Control issues.” Our flight got cancelled due to Air Traffic Control (runway construction.) Some people also said ATC gave no-go to airline due to a bad weather; that’s also an ATC related issue according to travel insurance. Anyway, future travel insurance money goes to a shoe box under my bed.
Lesson learned, NEVER ever again. Do not recommend Travel Guard for many reasons, but main reason – this people just looking how to refuse claims. Cheap scammers…
Teresa Maylone says
Just to reaffirm that this travel guard is a waste of money, we had to cancel a flight due to an unexpected delivery (child born early) and they say this is not a medical reason for canceling and is an exception to their list of allowable cancelations. In my opinion, any cancellation usually has a valid reason and if an insurance is purchased it should cover what it claims. I never saw when purchasing, not even in fine print what was allowed as a cancellation reason. I believe these practices should be monitored to avoid abuse as it seems that is the real purpose of this business.
Thank fully we only lost 154.00 plus the insurance fee, but this unethical practice may negatively impact individuals that have a bigger investment.
WILL NEVER BUY TRIP INSURANCE AGAIN
Milt Zlatic says
I’m having problems with a claim also. Their policy excludes depression as a reason for cancellation. For heaven’s sake, I had two stints in the psych ward and was undergoing ECT (shock therapy) on days previous and during my cruise dates. In addition, I just had my gall bladder removed the previous month. I believe the exclusion was put in their policy to protect themselves from people who just didn’t feel like going and not for people whose lives had crashed like mine.
I’ll continue to fight this by writing to the BBB, the Wisconsin and Missouri Insurance Commissions, and Travel Guard’s underwriters, Fireman’s Insurance. They haven’t heard the last from me yet.
Tim Collins says
My father bought travel insurance from Travel Guard. He got a brain tumor and died. It has been almost a year and they keep requesting information, I keep submitting it. Here is one example from their latest letter to me:
Thank you for the claim information submitted. Please send the following information, enabling us to further process your claim.
-Proof the airfare booked was non refundable class. Please not we have contact British Air on this matter however they will not release information without the ticket holders consent.”
They have been in the travel insurance business for years, and they just realized almost eight months after the claim was submitted that the ticket holder needs to provided consent so British Airways will confirm the ticket is non refundable?
They knew from the very beginning they needed the information, but they won’t tell me when I first submit the forms, so that months later they can say, we need this form to process your claim. They are just trying to wear me down, by requesting information, not being clear about the form it needs to be submitted in and then saying I did it wrong, do it again, and by the way we need additional information.
After the last round of form submissions from me I specifically asked, “Is there any other information you need?” The agent on the line said, “No.” Note that the ticket holder cannot provide consent because he is dead. There is no form for me to fill out, no instructions on what the consent should be. I imagine like last time, I will call, they tell me what to do, I do it. They wait a month and say I did not submit the correct information. They will not provide written documentation on the correct way to give consent. So we go around and around. Unbelievable. They are a terrible company. I just don’t believe any of the good reviews. Why would they process other claims easily and making my claim has been almost a year? Don’t forget the person that bought the insurance, is dead. There is no way he could have gotten on a plane. If you buy their insurance don’t expect them to pay if something happens and you can’t go on your trip. If you doubt the truthfulness of my post email me: firstname.lastname@example.org. in the subject line write Travel Guard Review.
Charles Jones says
Why must someone who is very healthy, leads an exercise class, has never smoked, does not drink, has never had surgery, never taken prescription drugs, have to pay a higher fee than someone how is four years younger but has health issues and is recovering from cancer. Shouldn’t there be a flexible /adjustable rate plan for such cases?
I did not think they were as helpful as they could be.
It is hard to claim the insurance money back.
Joanna Caroll says
I’m very curious to know why the “editor’s” review gives Travel Guard Insurance an A+ rating when epinions.com and so many commentators here found them so disreputable. Have a trip planned in August and due to nature of trip, need insurance. Will call my personal insurance agent but meanwhile any suggestions?
Joanna Caroll says
Lol, a quick check an it was easy to find that Travel Guard’s parent company is AIU Holdings (formerly known as AIG). AIG – rec’d 51 BILLION in TARP funds. AIG fails in everything it seems.
AIG has paid back all the money it borrowed plus it also paid millions (if not billions) In interest.
So they did not fail !!!
AIG is special and now gets billions in tax breaks so we can pretend their bailout was paid back. TARP was also paid back with other government money. Your kids and future grand kids will get the final bill so we can maintain the life styles of the rich and crooked.
WASHINGTON — Former members of a congressional panel that oversaw bailouts during the financial crisis blasted the Treasury Department on Monday for quietly granting a tax break worth billions to insurance giant American International Group.
The tax break amounts to a “stealth bailout” on top of the $182 billion that AIG received from the government,……………………… But the Treasury Department granted AIG an exemption, handing the company $17.7 billion in profit, the former panel members said.
William Clay says
Any Web site whose principal revenue source is vendor advertising is very unlikely to give unfavorable reviews to their advertisers’ products. Bottom line: unless the information provider’s primary revenue source is YOU (e.g., Consumer’s Union), presume anything they publish is primarily an advertising communication.
I must say, I’m surprised and pleased at the number of frank customer reviews (including mine) that this site actually publishes, but they clearly have no influence on the “Editor Rating.”
Jimmy C says
I guess the editor realizes the concept of insurance. Exclusions and limits are put into place in order to prevent high losses and keep insurance premiums affordable. If insurance covered anything as long as you filed a claim there wouldn’t be anyone in business. Take a look at your homeowners, renter’s, and auto insurance policies. Suprise! Limits and exclusions. It’called insurance folks.
AVOID TRAVEL GUARD- I wish that I had used this website before I purchased insurance from them. They are unethical. We booked a trip to Israel right before the bombing started from Hamas this past November/December. I called them to see if it was covered under the terrorist clause in the insurance. They told me that this was not a qualifying event- instead and according to them it was “civil unrest”. Then, a few days later, there was a bombing on a bus in Tel Aviv. The United States’ State Department indicated, on their home page, this was a terrorist attack. However, Travel Guard, told me that while they do not confirm claims before they are submitted they did not consider this a terrorist attack.
I feel that this is completely unethical. I would never buy anything from them again and I will continue to find every possible place I can review them to let people know they should not buy anything from this company.
Joyce W. says
Such a shame to know a insurance company like TravelGuard could still be in business after so many complaints about client abuse. So my biggest concern towards T G company would be getting a refund for the vast amount of money I’ve lost when I couldn’t reach the port in time for a cruise due to special circumstances while being confident in knowing i had insurance, what a joke. I guess the good old days of honest business ethics is gone! In planning my first cruise through e-cruise online agency, that didn’t offer much help in resolving my problems. Because I thought it would be easier and more time sufficient to rely on my primary contact, Not realizing I would be using third and forth party contracts to book a cruise, buy extra insurance, and deal with the cruiseline, left me in a long thread of phone tag and to the realization of how many scams there are out here in the business sector and how innocent customer are the victims. Its been six months and im still searching for a resolve to getting some return on my losses so Im searching for a lawsuit, if anyone has information on the correct prodedure to take to get a lawsuit started on TravelGuard? , I would appreciate it.
Milton Zlatic says
I can’t afford an attorney (it would cost me more than the $1800 that I’m trying to recover) but I would be interested also.
Travel Guard …..Should not be on bussiness…
They have a lot of complaints, I have also had a TERRIBLE experience with Travel Guard.
Tania M says
AVOID Travel Guard !
My claim was simple, “Baggage Delay”. I sent all documentation
and the denied my claim based on TRIP DELAY! Ridiculous…..
The customer service are very unprofessional and they do not care about customers.
Don’t waiste your time and money…..
Jessica Vaughan says
Wow, I wish I had known about all of these complaints sooner. I have also had a TERRIBLE experience with Travel Guard. I bought a policy to cover me for a vacation I was planning this December but found out that my mother had terminal cancer. When I cancelled the ticket and filed a claim, the company denied that claim saying that her illness was a preexisting condition. I had had no idea that she was sick but somehow I was held responsible for her “preexisting” condition. I have filed a complaint with The Better Business Bureau and The Office of the Commissioner of Insurance in Wisconsin. I’m hoping they will be able to help resolve this issue.
I have to agree with previous statements in this thread. The travel websites that sell Travel Guard insurance with their plane tickets have to be held responsible for offering such a SHODDY PRODUCT. I bought this insurance policy through Vayama.com and am terribly disappointed. I wouldn’t recommend Vayama.com or Travel Guard to anyone after this experience.
N Carr says
NEVER USE TRAVEL GUARD – SAVE YOUR MONEY.
Bought travel guard insurance through travelocity to cover flights and a cruise vacation. The cruise ship could not return on time due to hurricane Issac. This meant that we missed all of our flights and had to book into a hotel. My husband opted to get a flight which took him well out of his way so that he could get back to work within 48hrs. He incurred taxi expenses and meals. Travel Guard would only reimburse according to the policy if ” the inclement weather causing delay or cancellation of travel for at least 48 consecutive hours” So he got nothing for his trouble. My daughter and I incurred taxi expenses and meal expenses and extra days for car storage but again they would not reimburse. They only reimbursed the hotel costs and we were lucky that it was over the 48hrs. It took them more than 9 weeks to send that money too.
Explaining to these people that this was exactly the reason that this policy was purchased is a waste of time. I would suggest that they are determined to reject as many claims as possible even when those claims are legitimate and proven to be so. It is my personal experience that they are determined to frustrate your efforts to collect on the policy that you take out. Therefore I would never recommend them to my friends or family.
I got insurance from travel guard and i gave honest reason and they still declined my claim. According to agent if i got doctors note then it is medical reason but i m giving them honest reason and telling them my child is not sick.but he have final exams . Still they declined my claim . What a looser Travelguard insurance!!!
Jacky C says
It has been almost a year since the incident happens but as I’m clearing out my old letters and I figured I would contribute my part and submit this review for TravelGuarge.
– Customer Service unprofessional
– Do not care about customers and not willing to help customer to provide them with what they need for claims. I got the impression that they intentionally do that to make people give up (which might or might not be true, but after spending 10+ hours on the matter I decided to give up).
– Customer service is rude
– I would try to avoid them whenever possible
in June 2011, I got the TravelGuard Gold package on a trip to Peru. My flight in the US was delayed for 24 hours and I lost all my connection flight/hotels/trains which totaled to around 500 dollars. I called TravelGuard customer service while I was at the airport during the delay and ask them what I would need for later insurance claims, the representative said that I would need a proof from airline that the flight was delayed. So I got the letter from United stating that the flight was delayed for 24 hours and from when to when.
When I try to get the claim after the fact. I have all the receipt, trip itinerary saved.
At first I mailed in photocopy of everything, with very clear marking on each of the copy what it is for, what date it is.
I later received an Email stating that I provided in complete information but was not stating what are missing.
I call TravelGuard, the representative answering the phone was unprofessional, rude and first stated that she did not know what I was talking about. She look at my file and then say that she cannot know what each receipt was for and that I had to organize them. I told her that each of them were dated and named for what purpose. She still wouldn’t know what I was talking about and she started to get frustrated and rude at me. Fine, I decided to get off as we were on the phone for almost 45 mins and it not getting anywhere. And said I would “re-organize” to give them the info again. She said I have to Fax it in and because I do not have a faxing machine, I asked if I can email with attachment. She said it’s OK.
Another week passed and I got yet another email saying information incomplete. I called TravelGuard and asked. Yet another really long call. But the synthesis is the Email system of TravelGuard is totally incapable that their email did not receive my attachments. This was done twice in two days. Their email system dropped my attachements where they originally says it’s OK to do it.
I do not have a Fax machine but decided to spent $15 dollars to fax in all the information. Because I have no other way to get the information to them and I have had enough of the frustrating process.
Finally the info got in. Yet another length call to figure out what my claim was about.
And this time the representative said that they would need an airline proof that stated clearly what was the reason for the delay, I said I already have the proof from the airline and that’s what the customer service representative told me over the phone when I was at the airport. They said they need to know if it’s mechanical problem/crew problem or other things. That means another back-and-forth with the airline.
I gave up at this point, because I have already spent 10+ hour of both my personal time and work time and the time I spent might probably worth more than the amount that I could claim. Without saying, after spending 10+ hours, I still don’t know if they would use yet other reasons to spend more of my time and money.
I would try to avoid them whenever possible.
I have talked to 4 or 5 of their representatives during this experience and almost 100% bad experience of all of them. So that was **NOT** a one-off representative that wreck the boat.
I do not recommend Travel Guard. It is impossible to get compensation for a covered claim. Due to a flood our trip was cancelled to several destinations. We pre-paid the costs to see these places and have tours and meals on-land. Travel Guard claims that since we were stranded on a boat (even though 60% of the tourists were evacuated and they could not get us all plane tickets) that we still “enjoyed” the cruise. I think you are wasting money purchasing insurance and that they do everything in their power to avoid paying a claim. They do not call back- the person you “need to talk to” is never there and they are arbitrary.
Deb Sugiyama says
I had a good experience with Travel Guard but I learned that you need to read the policy before buying. My son backed out of our trip right after I purchased my ticket and I was hoping to get a refund. I found out that I couldn’t get a trip refund because I needed a doctor note… and had no medical excuse. But, you can get a refund for the travel insurance within 30 days of purchase and the full amount was refunded to my credit card. I was impressed that both times I called Travel guard, I was able to speak with a human who spoke perfect English and understood my questions. When does that happen anymore? I was satisfied and would buy a policy from them again.
Mike Robinson says
I have a hotel in Costa Rica. A representative of Travel Guard made a reservation for a group of 9 rooms for last night at our hotel and a few days before they were supposed to check in, they stopped responding to our emails and the reservation was a no-show. I see why there are so many reviews saying these guys are scammers – even the hotel reservations they make are illegitimate.
John J Dempsey says
Verdict not in yet. They do their homework. I am patiently awaiting season ski pass settlement when between purchase of pass and start of ski season, I was deemed to have had a failure of Depuy implant in femur.
The implant failed in a little over 14 months and left me in pain and in need of restoration surgery.
Between TG asking for every record imagineable and a very busy Orthopaedic Center my claim has taken extremely long time to come to closure.
If the surgery and recovery wasn’t bad enough, this process is causing new pains.
The good news is that should it come out unfavorable, I have conclusive records indicating I was medically deemed fine to take on activities such as skiing, golf, etc prior to pass purchase, then deemed to have loose stem by 3 different doctors after the pass was purchased.
I’d hate to have to go next step over $425. But I would to prove point, and seek expenses and time lost to pursue. Last I needed to do this, a doctor in Austin saw my diligence pays off! He had charged non insurance contracted rates on claims he misfiled. The judge in small claims congratulated me for thorough work and strong argument. I’ll let all know- good or bad next week.
V Elledge says
Yikes…Moments ago, I was referred here to purchase travel insurance from the Costco Travel agent. Since Costco no longer sponsor travel insurance, they directed me to this company which supposedly offers a huge discount to Costco members. After reading all the comments, I doubt I will use this company. I’m equally sorry to hear about the challenges that you all (most of you) are facing. The only way to get exposure to this problem would be to air the stories on either Dateline, 20/20, for maximum exposure. Once their dirty laundry is aired, now the US Government for insurance practices will be all over them.
I would do both…unite together and file claims with the US government and also contact Problem Solvers like those mentioned above.
I m not going to buy insurance from Travel Guard Insurance says
Im planning to buy travel insurance to my father who want to visit me to Canada ,and after reading what happened with Carina ,Bruce Weingarten and Zeph Mayari I decided not to buy to my father insurance from them .they should realize people paying money for that not paper .thanks for letting us know about this company
This company is shameful. I feel Travelocity is even more at fault though. I bought our vacation package through Travelocity with their TRAVEL GUARD insurance. Since I had previous experience with travel insurance through EXPEDIA I didn’t think twice. Expedia immediately provides you the refund and no questions asked. Service is exceptional. They welcome your business back.
The bummer was this particular vacation times and dates was on Travelocity and since I’ve seen so many banners on this company Online, I thought I would try this new vacation resource.
Now, I am struggling to get refunded. There are 15 pages of what they won’t cover! One tight paragraph of what they will.
in a nutshell. You need to be dead, drafted in the military or in a serious car accident with a police report to get your money back. I think if you are like me and bought this insurance through an online vacation retailer we should be filing reports to BBB on them too!
I will NEVER use Travelocity again. From now on it is ONLY Expedia.
Why is it possible for insurance companies to steal?
It is like the new American Mafia.
Bruce Weingarten says
Obviously things have not gotten better. I filed a claim in April for cruise insurance (my wife got critically ill we were instructed NOT to travel). The doctors reports were submitted but after 3 months they claimed that one doctors hadn’t sent the info. I went and saw the doctor and he gave a copy of the package sent and I faxed it to them and they acknowledged getting it. Still nothing back from them. Obviously very good at selling policies and collecting the money but not very good if you have a claim……still waiting!
David B says
Glad I read through the comments after reading the editor review. Ick. Seems like there’s never just a straight forward way to get what you need despite the actual need to really ever use it.
Lori S. says
I know some people have had bad experiences with Travel Guard, but mine was quite good. I included their insurance as an afterthought on a last minute trip to Las Vegas with my mom. Within an hour of arriving at my hotel, I lost a diamond earring I was wearing. It was only worth about $200, but had a lot of sentimental value. I realized I had the trip insurance, so I called the next day and Travel Guard emailed me claims forms right away. When I got home, I went ahead and paid a jeweler to match the original earring, and wasn’t at all sure Travel Guard would pay anything to compensate. I particularly thought they would give me a hard time because I didn’t have the original receipt from purchasing the earrings 12 years ago, but they were content with the receipt for the replacement, and my written account of what happened–they didn’t even give me any problems about having an official “incident report” as they said they wanted in their policy. They mailed me a check that fully reimbursed the replacement earring, including tax, within two weeks of my submission of the last documentation they requested (proof my homeowner’s policy had a deductible too high to compensate this loss), so I was pretty pleased, all in all.
The list of exclusions is a mile long so be sure to read them. I had a panic attack on an overbooked flight and found out later that it was not covered. The paper work they send for medical reasons is a huge pile of legalize so my impression is that they will make it a huge hassle to recover your claim money.
William Clay says
BEWARE! While TravelGuard sells an attractive set of claimed policy benefits at an attractive price using an efficient Internet marketing portal, it appears that their efficiency stops there (unless their real business is fraud, in which case it IS efficient). After having purchased TravelGuard policies covering seven foreign vacations over several years, this year we finally had a claim for emergency medical expenses. Our complete claim package (fully-filled-out claim form, receipts, doctors’ reports, itinerary, etc.) was filed on 29 Feb 2012. As of 7 Jun 2012, there has been no response from TravelGuard. Three phone calls for status have been answered by three promises that we would be called back with the requested information. No such call-back has ever been received, nor have our requests for escalation to a supervisor or the responsible department been honored. (Note that this complaint regards a policy issued by Chartis Europe SA in Italy; customers in other countries may deal with different entities that share a common marketing identity.)
Susanna Borgioli says
Hello William, I am just experiencing a similar situation with TG. I bought a policy from Chartis Europe in Italy and during our trip to the States my husband had a kidney stone. The medical bills amount to about 13k dollars and I requested a direct settlement by the insurance, but I am having problems in getting them paid by TG. I agree customer service is most unprofessional and I wonder if you succeeded in getting your payments and how. Did you escalate? to whom? can you give me some hint, because in the policy all the email addressed end up in Italy, to the same people who are mismanaging the request.
Thanks a lot! if you like you can write to me directly to my address email@example.com
William Clay says
Unfortunately, it’s now nearly the 1-year anniversary of filing our claim and the situation remains exactly as described above.
I looked around for ways to escalate, but Chartis is very careful not to publish contact info for top management. Looked to me like the next level to try would be their Paris office. I was hoping my post on “Travel Insurance Review” would elicit some response, but nothing was forthcoming.
Frankly, the amount was not enough to be worth wasting more time over (doubtless what Chartis counts upon) — it was substantially less than the policy payments I had made to them over the preceding decade for multiple foreign trips.
In any case, you can bet your last Euro that I will NEVER buy anything branded TravelGuard or Chartis again! I would STRONGLY advise others to avoid this vendor.
Zeph Mayari says
the worst travel insurance u could have! they have not honored airline ticket insurance despite have all the documentation right. when i complained to credit card. they said they won’t honor my insurance because i disputed the merchant. they insurance crooks!
Daryl jane Malone says
I think that the only recourse is to contact the Better Business Bureau where travel Guard is located and file a complaint about their unethical treatment of customers. If everyone who has been cheated out of their refund would do this, it will look bad to people who might be tempted to purchase the insurance, and they will get a very low rating by the BBB. I plan to do this!
Monica B. says
This is an excellent idea and I will do it, if Travel Guard will not pay roughly $ 400 for a trip cancellation last year. A letter detailing the problem, after many phone calls, from the beginning of March 2011 was never answered. Now I am in the process of buying two more tickets to Europe and will not think twice to switch from Travelocity, which works closely with Travel Guard, to another company. I am promised a call back today. We’ll see whether they follow through. I’ll keep you posted.
Bought coverage from TravelGuard for a replacement trip. Was hurt the year before and was insured by another company (CSA) who jerked us around and cheated us. When United failed to get us to our flight TravelGuard made alternative arrangements and agreed to pay for them without any BS. I then got a nasty infection and needed emergency care, which they arranged for, the provider was waithing for me when I arried, they paid thebills directly and were far better to deal with than the previous carrier.
Daryl jane Malone says
After reading that so many others have had the same problem with this unethical company. I wonder if anyone knows of a recourse to get our rightful payments.
Bron Rayburn says
My denied claim is the WORST i have read on this site!!!!!!!!!!!! I had a trip to the AMAZON and paid extra for a cancel for any reason. my trip was insured at $6700.00.They turned me down because my full cost of trip was not insured. GET THIS my total cost was $6702.90. I other words I under insured my trip for a GRAND TOTAL OF $2.90 the CRAZY thing is, had I takin out the full, 7602.90 it would have not cost one penny more. What can a consumer do to fight such a rip off of a company? please help me firstname.lastname@example.org
Bron Rayburn says
I got a amount wrong It should have read 6702.90 instead of 7602.90
Reading all the comments above certaily made me think twice before buying my insurance from them. We are getting ready for a trip next month to Asia. My travel agent recommended this company when I asked her to suggest a travel insurance. Since we are seniors, I want to protect our travel cost, airline tickets, etc. because anything can happen between now and on the date of our travel. Well, reading all those very negative comments (except for two people), I am amaze that they still exist. Why would travel agents suggest them if they are this bad? However, I am glad I read the reviews because now I won’t use them. Reading some other travel insurance reviews, I found one that has a lot more good reviews than bad. This is the Travel Shiled and Insure my trip.com (450+ reviews) which are both connected to American Express. I contacted them and the girl was very nice to explain what is best for me to buy. I am not interested in all the other extras that we don’t need, and my AARP Plan J health insurance will cover emergency medical and dental for two months of our travel. Good enough for me. Thanks to all the writers who wrote about their bad experiences with Travel Guard.
Daryl jane Malone says
Don’t make the mistake of buying their insurance. I sent in all the required forms as did my doctor and they refused to pay my claim. What a sleazy company!!! Another example of a large company preying on naive people who assume that they will be honest.
Carlos m Leon says
Yo tengo el Miskolc problemas. Es na companias de user mas. Carlos
Daryl jane Malone says
It would be nice if you replied to me in English. I HAVE NO IDEA WHAT YOU SAID
This travel guard is scum! They loosing my file constantly, not answering e-mails. Dragging their feet. I have a pre-existing condition waver and they find the reason to reject the claim. Impossible to deal with. Lie-rs!!!
George Wintner says
This Company Travel Guard is not worthy of your business. They market themselves using fear. They are the final “spam attack” prior to you clicking the purchase button on most airline web sites. My daughter ws onher college graduation trip in Southeast Asia when her lifelong best friend died. She had to cancel half of her trip and buy and $800 one way ticket to get home for the funeral.
CLAIM DENIED BECAUSE:
……was not family member who died
……They claim “SUICIDE” is not a coverable death?
These people are AIG…..INSURANCE COMPANY…….What do you expect.
I would encourage everyone to take the risk and save your money…..thes guys are ashamed to show you what they make on this segment of their buisness…….and they do it via fear and mis setting of expectations…….
Raymond Li says
I have been reading all the negative comments about Travel Guard, Travelex and American Express on travel insurance and the Chicago Suntimes columist–Janet Kidd Stewart encouraged seniors look into the purchase of travel insurance on trips. My question now is which company is doing an honest business to serve travelers? I emailed Travel Guard about why they do not ask questions on medical history of potential insurance buyers and they replied that they would ask when a claim is filed. Why don’t they ask all the questions first ?
Guillaume Boutin says
Singapore airlines lost my luggage in september 2011. 2 weeks later, i got the airline check. Chartis who I was insured with ask me for proof of insurance with them to be mailed,. Bullsh***. i filled out their claim, receipts and airlaine payment and proof of loss. they keep on asking me again for that same info all over and all over again. I have 8 fax confirmation, 3 regitered mail received by them, 6 e-mail form including a reception number. I placed over 12 calls and still nothing. Cannot reach the claim dept as they don’t have a number. still getting the agent telling me ”i understand” but can’t do sh***. what a scam company!
I am very disappointed!!! I wonder how much the `editor` got for its A rating for this scum. I should have read the reviews first. I bought this crap just because i wanted to make sure i could cancel my trip anytime. No way.
They want proof of medical reason blablaba as if it is their business at all. I am very upset. Im gonna miss a very important meeting because of these scumbags.
NEVER DO BUSINESS WITH TRAVEL GUARD!!!!!!!!
Donald Flinn says
I would never use Travel Guard again. I have used it for several trips: two had premiums of over $1,000.00 for African Safaris. We insured our last trip (a little cruise from Baltimore to Bermuda and return) with Travel Guard. We were traveling on Carnival. Carnival was one day late starting the cruise, so we had an extra night and meals in Baltimore. Our total claim was for $148.00. We could not find our receipts for our meals, so they refused any amount for one days meals. They sent us a belated check for a total of $104.84. There claim correspondence was degrading and insulting. This is a company that we had paid over $2,000.00 in premiums for our last three trips…..and they withheld any money whatsoever for our meals for one day because we had no receipts. We did have a bill for the day of the cruise showing $43.00 for meals, so we ask for that and they refused….consequently, we got nothing. Correspondences from them from the very beginning were insulting and degrading. I WILL NEVER USE THEM AGAIN.
Alexander Paterson says
I do not recommend using travel guard. I was hospitalized and unable make a trip for which I purchased TravelGuard Insurance.n They received a letter from the hospital/treating physician but it was not enough.They want all my medical records dating back over 3 months, an invasion of my privacy at best .
P. Ward says
THEY WILL FIND A LOOP HOLE. IF YOU HAVE ANY EXISTING MEDICAL PROBLEMS. DON’T PLAN ON THEM BEING THERE FOR YOU. SAVE YOUR $$ OR BETTER YET JUST FLUSH IT DOWN THE JOHN.
World Traveler says
I’ve traveled for years and sometimes I buy the insurance sometimes I don’t. If I am going outside the US I ALWAYS buy it…try getting your medical insurance to cover you. Good luck! And when I’ve put down a big sum for a cruise, I definitely get it in case I have to cancel. I’ve used Traveguard a few times, and only had to make a claim once, but they covered my cancellation for when I had to stay home because my elderly mother took a turn for the worse — and yes, it was a pre-existing condition and covered. My advise to anyone buying any plan is to understand what you’re covered for. If it’s cheap in cost — buyer beware. Ask the company “what if?” questions. I did that with travelgaurd each time and they were very helpful, and yes, they delivered when I needed them. It’s your responsibility to know what you’re buying. and get it as soon as you buy your trip. Don’t wait or your coverage lacks a few things. Just remember, you get what you pay for!
Beth Johnson says
Honeymoon denied……need I say more? Please read our story:
I have been waiting to settle a 800 dollar claim for three months. they just keep asking for the same information.
My kid wont have a desent christmas this year , thanks travel gaurd for not paying my claim now i am out cash.
Dont use this for foriegn car rental. Buy the insurance from the car rental agency. If you have a problem its all on them. Dont count on travel gaurd for reinbursment
nick kamal says
when they were getting my money they were so nice and sounded like if any problem we will take care of you.Well not true at all.My daughter came down with food poisening the day of travel and all family cancelled the trip.Rebooked 3 days later and cost me more money to do so,However when submmitted the claim for
the fist cancellation,they called it a pre existing condition and denied any coverage.Dishonest to the core that is who they are, Buyers be aware of dogs.
Denise D says
Purchased 2 round-trip airline tickets from Spirit Airlines in January, 2011 for tickets from Atlantic City to Florida (for a cruise at the end of August.) Also purchased Travel Guard policy at the same time. (Covers Trip Cancellation $300 Per Person, among other things.) Due to Hurricane Irene, Atlantic City was being evacuated. I purchased new tickets on Delta (more than $5 00 for two one-way tickets) and left a day early from Philly instead. Cancelled the first part of the flight on Spirit Airlines (remember, AC was being EVACUATED due to the weather.) Also incurred additional hotel costs. I submitted all of my paperwork, and waited the entire month after I submitted my claim to hear from Travel Guard. They claim they sent me a letter (which I did not receive) stating that my claim is DENIED because the “trip cost” on the policy is blank. (This is a document I received electronically, which is supplied by THEM.) It is is a “default” form, which does not allow any for elections for any other coverage. Here is their definition of “Trip Cost” :
“Trip Cost” means the dollar amount of Trip payments or
deposits reflected on any required enrollment form which
are subject to cancellation penalties or restrictions paid by
the Insured prior to the Insured’s Trip Departure Date. Trip
Cost will also include the cost of any subsequent pre-paid
payments or deposits paid by the Insured for the same Trip,
after enrollment for coverage under the Policy provided the
Insured amends his or her Enrollment Form to add such
subsequent payments or deposits and pays any required
additional plan cost prior to the Insured’s Departure Date.
I paid for the trip with my credit card, so I have proof of costs. So, because THEY (knowingly) did not print this on the form (effectively rendering it “$0.00”), and did not give me the option to choose anything, they can deny my claim? Waiting for a call back from the Analyst (who, “shockingly” was not available to take my call, so I left a message) to explain this to me.
Given the amount of negative posts here, contact with the Attorney General’s Office seems almost guaranteed. Travel Guard recording promises a call back within 24 hours. I will not wait beyond that.
We were not able to adopted a baby in China, and had to come home. Sent in a claim, and they rejected it. This company is just looking to make money, no real services and will deny everything no matter what to make you go away.
CHEATERS!! BEWARE OF THIS TRAVELGUARD INSURANCE COMPANY. YOU ARE THROWING AWAY YOUR MONEY BY BUYING THEIR INSURANCE. THEY TOLD ME THAT MY INSURANCE WAS IN EFFECT THE DAY AND TIME THAT I HAD PURCHASED WITH MY CREDIT CARD, BUT WHEN I CLAIMED FOR IT THEY SAID THAT IT WAS IN EFFECT ONLY DAYS LATER. ALSO, THEY TOLD ME THAT IF YOU CAN’T TRAVEL BECAUSE OF IMMEDIATE FAMILY (HUSBAND’S) MEDICAL EMERGENCY THEY WOULD REIMBURSE MY PLANE TICKET CHARGE. HOWEVER, WHEN I PUT IN THE CLAIM THEY DENIED IT. SO DON’T GET SCAMMED BY THIS FALSELY ADVERTISED TRAVEL GUARD INSURANCE COMPANY. YOU MIGHT AS WELL LOOK FOR SOME OTHER REPUTED INSURANCE COMPANY. DON’T BELIEVE WHAT THEY SAY AND PRINT. HOPE YOU WON’T BECOME A VICTIM LIKE ME!!!!!
TERRIBLE TERRIBLE TERRIBLE! Stay away from this company… They will not give you a refund if your wife is going into labor earlier than expected and you want to postpone your trip.
I wish I had read all of the negative reviews written below prior to wasting my money on this scam. With people flying in from around the country to meet in Cape Hatteras for a surfing trip, I thought it might be a good idea to insure against loss from a hurricane since they are known to land there. When in fact the island was hit by hurricane Irene, the Representatives at Travel Guard told me I was not insured for money spent on plane tickets or anything other than the house rental. That amounts to about half of the damages sustained and their postion was that I should have bought my tickets through the property rental company if I wanted them covered. Secondly, they informed me that they will not be able to make a determination as to whether or not my claim will be honored until after the scheduled trip is well over. In otherwords, I’ll need to travel there to see if I can or cannot inhabit the rental property for which I am insured and 4 to 6 weeks later, they will let me know if they if they want to live up to their agreement. Oh, and by the way, the rental property cannot be reached as the road has been washed away in several places by the hurricane for which I was insured. What a racket!
I wish I could give this company a ZERO, but this is not possible. Please heed all of the reviews below and DO NOT buy this insurance, these people are really scum, as someone pointed out below. They will do everything to screw you out of your money, their insurance claims people and their supervisors are trained in this very well. I purchased a ticket with Spirit Airlines, which got canceled and they would not rebook me on any flight the same day. I had to rebook with Delta for the next day, which cost me $200 more. I had cancellation, trip delay and trip interruption – all supposed to be covered under Travel Guard. They told me I am eligible for NONE of this. I do not get a dime from them. Spirit Airlines already has a bad reputation, unfortunately, that is why I bought this insurance, hoping to protect my trip. The fact that these two scum companies paired together to collect your money and provide no services speaks volumes. I will be complaining about Travel Guard to Better Business Bureau and will use any available recourse to expose them as scam.
Please do not ever buy this insurance and feel you are covered. It is a lie, even the agents who get paid to lie, will tell you don’t count on us. Which will be after the fact when you have spent out of pocket …once again you are best to count on your friends, and family. RIPOFF!!!!
Had used this company many times and unfortunately had to use the services quite a few times. Always a great exprience!!!!!!!!! Great company. Highly recommend
George Wintner says
Hey Jen…..Why don’t you tell us about all of theose great experiences??
No problems filing a medical claim at all for the gold policy. I had to visit a doctor on my trip in Mexico and it cost me a few hundred dollars. I got the insurance more for weather related issues than medical, so when the weather turned out beautiful I thought I wasted my money. Not so, it turned out. I mailed in the paperwork they emailed me and the receipts and got my check in less than 3 weeks. They actually gave me more than I requested because my currency conversion was off. Will definitely use them again.
John Young says
Absolutely abysmal claims processing. Asking to provide a copy of my insurance certificate and proof of payment for it when they clearly know I’m already insured and paid for the policy. Providing original medical receipts wasn’t acceptable I also had to prove I’d actually paid the bills with credit card receipts and ATM slips. Then they insisted on checking medical records more than 35 years old to prove I didn’t have a pre-existing condition. They wanted to see my travel itinerary and anything else that they could use to prolong my payment. Took months to process my claim. Absolute total and utter rubbish! Avoid at all cost!
Do not make the mistake that I did and purchase Travel Guard for any trip. I bought a Travel Guard policy for a trip to Costa Rica. While on this trip, my brand new Macbook was stolen, a $1500 value. I filed a claim with Travel Guard, knowing that I could only expect $500, but grateful for even that amount back. After pages of paperwork and three months of waiting, I learned that my claim was denied because my husband’s name was on the police report. I had explained that my husband’s name appeared on the report because he had to file the report on my behalf as I do not speak Spanish; I had the original receipt and other paperwork proving that it was indeed my possession that was stolen. Travel Guard not only deined the claim, but they are impossible to contact. The number that supposedly gues to their arbitration department gues straight to a recording. I am now considering filing a lawsuit. If you’re considering travel insurance, do yourself a favor and don’t purchase a policy from this company.
My husband and I had scheduled a trip to Hawaii for our anniversary, but his mother died a few weeks before the scheduled trip. Travel Guard completely reimbursed us for the total cost of the two flights to Hawaii within a few weeks of submitting the paperwork.
Fran Vitale says
My husband and I had a cancel a trip to the Dominican Republic due to the fact that we had a very sick pet whom we consider to be a family member. Even though I have well documented doctor and emergency room bills and receipts, they would not even consider reimbursing us for over $2000 worth of tickets. Pets are not listed on their list of “exclusions”. I will never use this company again – these are the kind of emergencies that people can’t predict. I would never leave my sick pet with a friend or relative to be responsible for while I’m off trying to enjoy a vacation! This policy needs to be clearly stated or I should be reimbursed for the cost of the insurance. As far as I am concerned, it was worthless.
Julie Boydstun says
My sister and I traveled to N.Y. We purchased this insurance Policy # 910684264 for the sole purpose of if our baggage was lost/delayed or we missed our flight, BOTH of which happened. We were led to believe that we would be reimbursed the amount listed: baggage delay $300 PER INSURED, LOSS OF BAGGAGE $1,000 PER INSURED, MISSED CONNECTION $250 PER INSURED, TRIP INTERUPTION/RETURN AIR 750 PER INSURED. We sat on the first plane for well over 2 hours before they decided the plane was not going to fly. The plane was totally full and everyone was running to the ticket counter to try to get other arrangements. I was in line for well over an hour trying to get home. NO such luck. They finally got us another plane that landed in Dallas at 1 a.m. I had NO luggage, had to sleep in the clothes that I had worn ALL day. I called and talked to two of your representatives, both of which were incredibly rude and pretty much said I could have bought new clothes? Where am I going to dind these at 1 a.m. in a cith I know NOTHING about? Then, when I finally DO get to my destination THE NEXT DAY!! NO luggage. It’s still in Dallas. (I was supposed to fly from LaGuardia to Dallas and then to Fresno Ca,) I have had 2 heart attacks and al my meds were in my luggage as I ASSUMED they would be in Fresno when I landed and I take them at bed time. All your representitive could say was “did you see a doctor”? I simply can NOT believe that your company can, in good conscience take money (scam) from people who totally believe that there are HONEST companies! I feel that I should, at LEAST get a FULL refund for the policy thet I purchased that stated NONE of what your representatives said was covered. (NOTHING)!!! When I got home I read other reviews of your company and they all said that your company sounds great on paper, but goes out of their way to NOT pay claims!!! I will NEVER EVER use this company again, and I will tell any one else the horror story that I had associated with usisng your company. You should be ASHAMED of yourselves!!!!!! Ever heard of Karma??? I hope you all get yours! Shame on ALL of you all the way from the top, to your representatives, to the travel agents who sell your policies! I paid a total of $197.00 and this is what you OWE me!! I am going to look into small claims court action on this matter. The paper I have lists what is covered. Of course it does not metntion all the ways you GET OUT of paying! Again…..shame on you!
Dont spend your money … they didnt help me out my father-in-law died but got put in hopsital 4 days before we were suppose to leave and died thur week we were suppose to be gone . i thought i did right thing and called to cancel but now they want doctor and death cert. and well i cant get doctor information u all know thats a hippa law and my mother-in-law is still not taking this well so how rude is it to make her get information . the add on book-it said no hassel insurance and no questions ask .. lies lies lies… want to take my kids now everything is getting better but guess what i cant get my money …
Horrible! Paid for the “Cancel Any Reason” rider and they still denied the claim. Vile thieving scum.
john doe says
Bad, very bad service. They will NOT process a claim due to an illness unless you give them full access to all of you medical records, names and phone numbers to your doctors and surgeons with a full diescription of you diagnosis and all necessary treatments needed. This travel insurance company is a big joke and should not allowed to be in business!!
We had to cancel a trip to New Zealand because I developed severe back problems and could not stand or walk. I obtained verification from my doctor about my condition, filled in the form, and Travel Guard paid up without any problems. I have no complaints.
We experienced a natural disaster- our home was flooded. We contacted the company and found that we could not get coverage for cancelling our trip to get home to protect our home until the residence flooded nor could we get a straight answer about our coverage once our home actually flooded.
Garth Dekuwait says
Perhaps a great insurance until you file claim. Gave us the runaround over a claim for $100 bill, demanding all sorts of personal medical information that required hours of phonecalls and letters. In the end – and six months after filing the initial claim – they rejected the claim over a technicality. NEVER AGAIN – GO SOMEWHERE ELSE!!
They were very slow to process a claim and used many excuses to delay the process. When they finally processed the claim, they sent less than I requested with no explanation of the reason for the difference. There are also many vague exclusions. Reading the policy is helpful, but the exclusions are so vague that you can expect that they will be used if it is possible to do so. At the very least they will delay the claim settlement while the discussion goes on and on.
Also, note that agents are in general worhtless — they claim to be helpful, but they were no no use in our situation — they simply read the policy back to us. They claim they are on your side, but they are really working for the company.
Booked a cruise through Delta’s Skymiles’ Cruises and also paid for round trip flights to the cruise port. The flights were insured by Access America, and the cruise, by Travel Guard.
Two days later, my wife was laid-off from her job and I talked with both companies about being re-imbursed for needing to cancel the trip. Access America said they will cover the cancelation. Travel Guard, said that they won’t due to an exclusion for “Changes in financial situation” even though their ‘come-on’ implies that they will cover unforeseen events of just about any type. Unfortunately, even reading the fine print is no guarantee that you’ll actually understand what their policy really covers. I recommend a Harvard Law degree and several hours to review their policy before you agree to anything with them.
It’s interesting that Delta would offer up such conflicting insurance policies under their Skymiles brand. It certainly doesn’t reflect well on them. Not only will I not waste my money on any more insurance scams, but I will never book anything through Delta again.
As they say, ‘buyer beware.’ Snake oil salesmen are everywhere these days. And the companies you used to think were honorable, have become way less so.
PUT YOUR MONEY WHERE IT IS SAFE NOT WITH THIS TRASHY COMPANY. IF IT WAS POSSIBLE TO RATE LESS THAN ONE I WOULD. HORRIBLE HORRIBLE HORRIBLE.
IF YOU WOULD LIKE A ENJOYABLE TRIP WITH NO WORRIES STAY AWAY FROM THIS TRAVEL INSURANCE COMPANY. I AM CURRENTLY IN A HOSPITAL BED DUE TO PREGNANCY COMPLICATIONS AND TRIED FINDING OUT INFORMATION FROM MULTIPLE PEOPLE THROUGH THIS COMPANY NOBODY CAN TELL ME ANYTHING AND STATED THAT MY PREGNANCY COMPLICATIONS MAY NOT FOLLOW UNDER THEIR GUIDELINES EVEN THOUGH I AM LAYING IN A HOSPITAL BED. EVERYONE I TALKED TO WAS EXTREMELY RUDE AND WAS NOT EDUCATED IN THEIR JOB WHATSOEVER . THIS IS THE WORST EXPERIENCE I HAVE EVER EXPERIENCED THROUGH TRAVELERS INSURANCE AND IS ALSO THE FIRST TIME I HAVE RECEIVED IT THROUGH THIS COMPANY. THEY WERE RUDE AND HUNG UP IN MY FACE WHEN I WAS TRYING TO EXPLAIN MY CONDITION TO THEM!!! I HAVE ALREADY WARNED EVERYONE CLOSE TO ME TO NEVER USE THIS COMPANY AND SO NOW WARNING YOU. IF YOU WOULD LIKE TO HAVE A TRIP KNOWING YOUR MONEY IS SAFE AND WHAT YOU PURCHASED WILL BE REFUNDED IF ANY MEDICAL EMERGENCY COME UP DO NOT USE THIS COMPANY. I HAVE NEVER IN MY LIFE HAD TO DEAL WITH SUCH SCUMMY PEOPLE. SAVE YOURSELF THE TROUBLE AND FIND ANOTHER TRAVELERS INSURANCE. AS YOU CAN SEE OUT OF THE REVIEWS EVERYONE AGREES EXCEPT FOR THE HANDFUL THAT OBVIOUSLY WORK FOR THIS COMPANY.
A COMPLETE NIGHTMARE AND SLEAZY PEOPLE THAT ARE NOT LOOKING TO HELP ANYONE BUT INSTEAD JUST TAKE YOUR MONEY.
STAY AWAY FROM THIS COMPANY.
Deborah Walker says
Will never use again! I had a trip planned to Japan on March 10, 2011. They turned down my claim because Tokyo wasn’t deemed uninhabitable after the earthquake and tsunami. I don’t think any of them would want to go on vacation to Japan in those conditions. I will tell everyone I know not to use this company.
N Rande says
Travel Guard completely re-imbursed us for the doctor visits and medicine for our daughters getting strep throat on a trip to Mexico. I will definitely use them again.
Be aware, you may not get anything in case of medical expenses because most of the health insurance plans cover you out of the country subject to very high deductible. Travel Guard does not pay for your deductible. This is a quot from Travel Guard SCHEDULE OF BENEFITS FOR BASE PLAN http://content.travelguard.com/adx/aspx/adxGetMedia.aspx?DocID=4299
“the Insurer shall be liable only for the excess of the amount of
Loss, over the amount of such other insurance or indemnity, and
RJ Mastellar says
Would rate less than 1 star if possible. Terrible experience with this travel insurer when one of our party became ill with “a touch of pnemonia” while on a cruise. Cruise line actually forced ill party and one traveling companion off the ship as soon as we docked at the next port (which happened to be the only non-US port on our itinerery), saying they didn’t have adequate facilities to care for her, which was ridiculous since they had a fully staffed and equipped mini-hospital on board. Sick passenger was met at the port by an ambulance, transported to a local hospital, and admitted under orders from the ship doctor. The travel companion was dropped at a hotel on the other side of town. Prior to disembarking the ship, the cruise line required payment in full for the medical services rendered on the ship.
The next five days were a total nightmare. No one, not the cruise line, the travel insurer or the foreign hospital personnel, wanted to take responisbility for the patient. She lay virtually unattended in the hospital while the three parties (Travel Guard, the cruise line and the hospital administrators) each fought to divest themselves of any responsiblity for her. The only way to get the sick party home was to have her check herself out of the hospital, then return home with the travel companion, on flights she booked for them directly.
The battle to collect on the claim continues with Travel Guard. They’ve used every trick in the book to avoid paying the claim for more than a year now, particularly the travel companion expenses. AVOID!
I used this insurance and will never do it again. The customer service is a joke. I spend too much money to waste it on companies that have employees who don’t care about the people they make their paychecks from. Go somewhere else. Anywhere!!
Edward Hake says
This company is a complete rip off. Avoid this company. WE are owed over a !00,000. and they lie like mad to avoid paying us.
My father in law came in to the united states with a “gold” insurance. unfortunately 3 months in his stay, he has terrible headaches and necessitated an Emergency visit. In the ER , they had to admit him and do a radiological procedure on the vessels of his brain. He was cured. we were left with a potential bill.
Voila, Travelguard insurance India came in handy. All we paid was the deductible of 100 dollars, the rest the inusrance company paid.
We were relvd. We never expected that Travel guard will do all this with minimum hassels. They were professional and good on the fone and got things done. I would highly recommend this service after this experience with them.
J Johnson says
Do not buy this “insurance”. It is worthless. The fine print rules out claims payments for almost every reason you might need travel insurance. The personnel on the phone were evasive and would not directly answer questions. Only bought this once, will never buy it again.
What a scam! I will never use this company again and wish that I had read these reviews before purchasing my policy. I had a legitimate claim: my flight was delayed, causing me to miss my connecting flight – I needed to purchase a flight on another airline. Travel Guard would not recognize my claim and refused to pay for my flight. Buyer beware! If I could give 0 stars, I would.
JS from San Diego, CA says
Excellent experience and will not travel overseas without this insurance. My mother began to suffer heart failure during our Caribbean cruise. We were taken by leer jet from one of the islands, accompanied by a physician and nurse back to Miami and then transported by ambulance to the hospital. My mother was in the hospital for 5 days and then we were accompanied by a nurse back to California. If we had to pay for this we would have been wiped out financially. AIG Travel Guard was wonderful to deal with and the people who they hired to serve their clients were excellent. I cannot say enough good things about them.
Frank J Bruning says
I bought TravelGuard insurance for a cruise from Venice in April of 2010. The Iceland volcano blew while we were on the cruise. Needless to say, our flight home was cancelled and flights for days after didn’t fly back home. Trains were booked, hotels were booked. We finally got home and filed a claim with TravelGuard. It is now January of 2011 and they are still processing a relatively small claim. I’ll update when the claim is finally settled. But, gentle reader, don’t hold your breath!
I had my elderly parents purchase travel guard insurance before they made their trip to my home for the holidays. I felt that since they are almost 90 and are at higher risk for illness during travel. Two and a half weeks into their vacation my mother fell, and also developed bronchitis. I was advised by the airline to call the claim into the insurance company. I called travel guard and spoke with Chad. Chad handled the entire claim efficiently. He even followed up after I spoke with the airline to make sure everything was squared away. Ever agent I spoke with were very efficient and professional. I also spoke with Jessica, who assisted me with medical claims forms, and contacted the airline to expedite our receiving the flight confirmation e-mail I had not received. I also read the negative feedback on this website and thought we might have problems. I would use Travel Guard again and would recommend it highly!!!
Amazing! I was just reading the other reviews, many of which were negative. As soon as I finished we received a call from Travel Guard informing us they were denying our claim. We had to cancell our trip because My wifes knee locked up, requiring total knee replacement surgery. Because she was treated for this condition 180 days prior to purchasing the insurance, it was considered “pre-existing” I asked if there was an appeal process. They said only if the condition was a “new” condition. So to all of you who have a medical problem, and you were treated for it 6 months before buying travel insurance, beware if you try to make a claim if the condition causes travel cancellation. Insurance companies are not your friend. They will do whatever it takes to deny a claim so they can turn a profit. Did I add that all required documents were sent on Sept. 23rd, and today is Dec. 6th? How does this company get a 4 star rating? There simply is NOTHING good to say about Travel Guard.
M Bruhns says
NEVER again! They will try any trick in the book to avoid paying your claim.
I highly recommend Travel Guard. Originally, I wasn’t sure that I needed travel insurance for my trip to Germany, but I decided to purchase it “just in case.” Boy, was I glad I did. First of all, it was the middle of winter, and living in Minnesota, we experienced a huge snow storm before I was to leave. Most flights were cancelled, including mine. Travel Guard went to work on my behalf to re-book flight tickets for the next flight out. Since I was late arriving in Germany, they reimbursed me for the cost of the hotel since I wasn’t there to stay in it. Towards the end of my trip I felt ill- food poisoning… just great. Luckily, Travel Guard once again stepped in to save the day. They covered medical expeses after I saw a doctor and even coordinated the medical care with a German-speaking representative. I’d check them out.
Travel Guard rejected my insurance claim to stay home and take care of my sick newborn son, (1 week old) because he did not have a defined sickness that could be explained in a medical code. My business flight claim was rejected. Would you leave your newborn son home while he can’t eat or sleep, for a business trip? Travel Guard Insurance does not care about actual emergencies, if it does not fall within their acceptable claim codes they will reject your claim. Most other insurance companies care about the whole body of work as to why you could not fly or continue with your vacation, Travel Guard is only concerned with staying within their flawed and narrow minded claims process. I HIGHLY RECOMMEND that NO ONE use Travel Guard!!!
Our trip to Europe was delayed 24 hours. We missed one day and night of our paid escorted tour. We had taken our travel guard insurance but were not reimbursed for any of our missed tour. I do not recommend travel guard to anyone.
Our ordeal with this company started August 12, 2010. My husband and I had planned a trip for our one year anniversary to Costa Rica as our honeymoon since we did not really get a honeymoon when we got married. Unfortunately, my husband developed severe gastroenteritis the day before we were scheduled to leave, so we had to cancel the trip. That day, I called Travel Guard, gave the man my information, and asked him what was covered and what I needed to send. He told me that everything, including the flight to Costa Rica, the flight within Costa Rica, and any money we lost on hotel reservations would be covered and to send documentation of what we lost, and that we should have a check within 30 days. So, 27 pages of documentation and 1 day later, I faxed all this information to TravelGuard, relieved that we had purchased the insurance and that our trip would be covered.
Almost 3 weeks later, I received notification that I had not sent them enough information and that my claim could not be processed. Evidently they needed documentation from the airline that we had indeed cancelled the trip, and that we would not be able to exchange the tickets. Ok, fine. So, I sent the information they required that day by fax.