Travel Guard

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John Cook  
 
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TravelGuard

Travel Guard International is the industry's leading travel insurance provider - covering more than 6 million travelers worldwide each year. Their travel insurance plans offer coverage for vacation and trip cancellation, travel interruptions and delays, emergency medical and health expenses, lost baggage and more.

Travel Guard is one - if not the largest - travel insurance companies in the USA.  They offer many different travel insurance plans designed for different markets.

Travel Guard was established in 1981.  Several years ago they were purchased by AIG and they are now a wholly owned subsidiary.  AIG has changed the name of their insurance holdings to CHARTIS.

Travel Guard is located at:

Travel Guard
3300 Business Park Drive
Stevens Point, WI 54482

Reliability(Better Business Bureau:  click here.

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User reviews

21 reviews

 
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(1)
 
(2)
 
(1)
 
(7)
Overall rating 
 
5.7
 
6.4  (21)
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Ratings (the higher the better)
Customer Service
How was you experience at buying the policy?
Ease of understanding coverage
Was the coverage easy to understand?
Ease of submitting a claim
How easy was it to submit a claim including completing any claim forms?
Timeliness of claim payment
Was the claim handled in a timely manner and was it paid correctly?
Comments
Overall rating 
 
2.5
Customer Service 
 
1.0
Ease of understanding coverage 
 
1.0
Ease of submitting a claim 
 
7.0
Timeliness of claim payment 
 
1.0

Waste of money

They said claim take a month to be processed , 5+ months , and they refused to pay any money. I got laid off and they said you have to be working for at least a year with your employer, none of this rules posted anywhere when you buy the insurance, it only shows up when they want to get away with not paying you, I should have involved my brother, who also my lawyer from the beginning, will make sure not to leave my right.

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Overall rating 
 
1.0
Customer Service 
 
1.0
Ease of understanding coverage 
 
1.0
Ease of submitting a claim 
 
N/A
Timeliness of claim payment 
 
N/A

They don't pay!

Don't buy it! They won't pay no matter what!

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Overall rating 
 
1.0
Customer Service 
 
1.0
Ease of understanding coverage 
 
1.0
Ease of submitting a claim 
 
1.0
Timeliness of claim payment 
 
1.0

Waste of money!!!

Absolute waste of money...they do not reimburse for cancelled trips (my daughters father was evicted from his home and did not tell me until a day or two before her trip because he was embarrassed) I live in Florida with our daughter and he lives in NH. I obviously had to cancel her trip as I wasn't about to send my 9 year to NH in the winter with no where to stay! First and LAST time I purchase travel insurance !!! Save your money!!

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Overall rating 
 
1.5
Customer Service 
 
2.0
Ease of understanding coverage 
 
1.0
Ease of submitting a claim 
 
2.0
Timeliness of claim payment 
 
1.0

Shady Business

Bought travel insurance in the hope if my husband could not travel we would be covered. They pushed back, claiming that my husband's condition was "pre-existing" and denied coverage.

This is a shady outfit and not worth you business

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Overall rating 
 
10.0
Customer Service 
 
10.0
Ease of understanding coverage 
 
10.0
Ease of submitting a claim 
 
10.0
Timeliness of claim payment 
 
10.0

Trip Cancelation due to Unemployment

We were booked and paid for an extensive trip to South Africa; 2 different Safari's in South Africa plus airfare internationally and domestically. Unfortunately I was notified of pending unemployment to happen just after the planned vacation. Consequently we needed to cancel the trip due to work load and pending unemployment. Travel Guard rescued us from a huge financial hit. They were thorough, detailed and communicated well to me throughout the process.
The timing of the refund dollars took a bit longer than anticipated but in the end Travel Guard did exactly what the fine print promised, the paid in full.
The policy was easy to understand upfront and a claim was easy to process.
Never will I plan travel overseas again without a Travel Guard policy. Well worth the price, easily give them a 10 of 10 rating.

Was this review helpful to you? 
Overall rating 
 
9.5
Customer Service 
 
10.0
Ease of understanding coverage 
 
10.0
Ease of submitting a claim 
 
8.0
Timeliness of claim payment 
 
10.0

Travel Guard was great......

We put in a claim for two of the four travelers, due to a medical condition that arose 5 days prior to travel. They requested additional information which I provided, and 60 days after we returned from our trip, I received a check in the mail for the full price of the trip for the two people who had to cancel.

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Overall rating 
 
9.5
Customer Service 
 
10.0
Ease of understanding coverage 
 
10.0
Ease of submitting a claim 
 
10.0
Timeliness of claim payment 
 
8.0

Travel Guard

We purchased our travel insurance through QuoteWright and had to claim twice. Travel Guard were the best.
Customer service was prompt and reassuring. They dealt with the hospital and all other expenses were fully reimbursed.
Have recommended Travel Guard to all our traveling friends.

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Overall rating 
 
8.0
Customer Service 
 
8.0
Ease of understanding coverage 
 
8.0
Ease of submitting a claim 
 
N/A
Timeliness of claim payment 
 
N/A

Travel Guard

Purchased this insurance through QuoteWright. Seemed to offer the best coverage for the price considering I had pre-existing conditions. Fortunately, I had no need to use it so can't comment of ease of submitting claim or timeliness of payment. I appreciated Quotewright's help in determining that this company was probably the most appropriate given my circumstances. CKH

Was this review helpful to you? 
Overall rating 
 
9.0
Customer Service 
 
9.0
Ease of understanding coverage 
 
9.0
Ease of submitting a claim 
 
N/A
Timeliness of claim payment 
 
N/A

Travel Guard

We used Travel Guard and were fortunate that we didn't need to place a claim or have any other need for the insurance on this trip. As far as I can tell, the insurance company Travel Guard was great. The price was very good as compared to some that I had checked out prior to purchasing the insurance.
I would and did recommend this company to others who are traveling.
Madeline A. Kerstetter

Was this review helpful to you? 
Overall rating 
 
4.3
Customer Service 
 
7.0
Ease of understanding coverage 
 
8.0
Ease of submitting a claim 
 
1.0
Timeliness of claim payment 
 
1.0

Travel Guide

Had no problems during trip. Procuring the travel insurance was easy done on line. The paper work arrived within a week.

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Overall rating 
 
1.0
Customer Service 
 
1.0
Ease of understanding coverage 
 
1.0
Ease of submitting a claim 
 
1.0
Timeliness of claim payment 
 
1.0

Bad, bad experience

Don't even think about submitting a claim to this company; their stall tactics are unbelievable! I wonder how much money they make off people who just get frustrated and give up?

Was this review helpful to you? 
Overall rating 
 
5.3
Customer Service 
 
7.0
Ease of understanding coverage 
 
5.0
Ease of submitting a claim 
 
5.0
Timeliness of claim payment 
 
4.0

USED TRAVEL INSURANCE - TRAVEL GUARD

Fortunately, we purchased the travel insurance like the event staff recommended, unfortunately we had to use it. Due to a family fatality, my spouse was unable to attend his portion of the trip that was already paid in full. We did purchase our travel insurance within the 15 days of booking trip, which qualified us for additional coverages that were offered. When I filed the claim, we did have to jump through hoops with paperwork, doctors statements, receipts showing that before the incident occurred, the trip was paid in full and no refund was available. And after submitting all the required documents, they still wanted more. It's taking more than 60 days to finally get everything resolved but I glad we purchased it.

Was this review helpful to you? 
Overall rating 
 
9.8
Customer Service 
 
10.0
Ease of understanding coverage 
 
10.0
Ease of submitting a claim 
 
9.0
Timeliness of claim payment 
 
10.0

Fast Claim Service

How you lose a passport on an Alaskan cruise is beyond me, but I managed to after departing Vancouver. Turned a claim in to Travel Guard after returning home under the lost personal possessions provision and was reimbursed for the cost of a replacement passport within 30 days. Surprisingly was a very easy, highly customer friendly process for me.

Was this review helpful to you? 
Overall rating 
 
1.5
Customer Service 
 
3.0
Ease of understanding coverage 
 
1.0
Ease of submitting a claim 
 
1.0
Timeliness of claim payment 
 
1.0

Beware of this Company

I purchased trip cancellation insurance because my mother was in poor health. The ads for this insurance say things llike: you need trip insurance in case your sister-in-law becomes ill. OK? Preexisting conditions (defined as any condition treated in the previous 6 months) will negate your coverage. There is a waiver on preexisting conditions for you as the traveler and for your close relatives, but it only applies if you purchase the insurance when you make the first payment. Now, the deposit was refundable so I waited until I paid the balance to tell my travel agent to buy the insurance. Therefore, in fact, I was never covered because of the timing. (Oh, yeah, the travel agent bought the insurance, as I usually ask her to do, and SHE also didn't know this little tiny fact. She did know that my Mother's condition was the major reason for getting insurance. No point in buying insurance for a refundable deposit, right? No, that is wrong! There is a waiver for preexisting conditions, both for the traveler or a relative, ONLY IF YOU BUY THE INSURANCE WITHIN 15 days of your FIRST PAYMENT. That is counter-intuitive, but that is how they make money. Why for heaven's sake would you pay an insurance premium which is non-refundable before you have any non-refundable investment to insure? Sorry, I hate to trouble you with such questions, but you need to understand that you really do need to buy this insurance before it will do you any good. If you cancel your trip, of course, you get the deposit back BUT NOT THE INSURANCE PREMIUM. Got it?

Both my sister and I are over 65 and have health conditions which might go critical at any moment, but our major reason for buying travel insurance was the health of our 89 year old mother, who was in a fragile state. In other words, what we most needed the insurance for WAS NEVER COVERED.
Mother's doctor advised us to cancel our cruise three days before the ship was to depart. The doctor said Mother was unable to pass urine and he could not predict how long she would last. Yes, TG, she had been treated for repeated urinary tract infections in the months previous, and she had other serious ailments, including a serious heart condition--I did say her health was fragile, didn't I? The ship returned to port on a Sunday; Mother died two days later. My sister and I had alternated sitting with her since the day before we canceled the trip.
Travel Guard sent their sincere condolences and requested what amounted to 35 pages of documents. As you have figured out by now they denied our claim because under our policy preexisting conditions were not under a waiver because we didn't buy the insurance when we made our first payment--the one that was fully refundable. Comprendo?
O.K. I know about caveat emptor, but I didn't go shopping for travel insurance so I didn't know I needed to beware. As I have done many times, I told my travel agent to get insurance, and Travel Guard is who they were doing business with at the time. (I think they are not doing business with them anymore. Not just this debacle, but due to other clients having problems collecting anything from TG.) You might want to invest in TG. They are doing quite well. I doubt it would have broken them to pay our $1138, but if you go to the the BBB complaint site, you can read all about how they deal with claims! Anyway, I am going to forget about it just as soon as I email my contact list and post this on Facebook.
Just want you all to be aware. Remember: Travel Guard Group. I used TG several time in this review. It occurs to me that TG might also be an acronym for Too Greedy.

Was this review helpful to you? 
Overall rating 
 
9.0
Customer Service 
 
9.0
Ease of understanding coverage 
 
9.0
Ease of submitting a claim 
 
9.0
Timeliness of claim payment 
 
9.0

Travel Guard

Since this was my first experience with travel insurance, I have nothing to compare it to. We were lucky to have decided to purchase travel insurance because about two weeks prior to departure my traveling companion fell and broke her pelvis. Trip cancelled! Since I had absolutely no problems when submitting our claim and was treated respectfully when I had questions, I probably could have ranked everything with a 10. But I guess I just fall in the catagory of people who believe that nothing is perfect. However, I will have no hesitation in purchasing insurance from Travel Guard in the future.

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