TOP 10 REASONS TO PURCHASE TRAVEL INSURANCE

You can't afford to travel without it!
There are hundreds of circumstances that could cause you to cancel your trip, return home early or even worse, force you to seek emergency medical treatment while traveling. To demonstrate the importance of purchasing travel insurance, here are 10 common examples of what could go wrong. Incidentally, all are covered by a Travel Guard travel insurance policy:

1. It's 10 p.m. and your family arrives at the airport for a connecting flight, only to find that your flight has been cancelled. How do you get your family home?

2. Your traveling companion's bag was lost with his insulin inside. He needs help to locate his bag as soon as possible and his emergency prescription filled. Who do you call?

3. Your first visit to Europe, and your passport and wallet are stolen. Where do you turn for emergency cash, and how will you get your passport replaced?

4. Your spouse is involved in an accident and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation?

5. If your sister-in-law becomes seriously ill and you choose to cancel your trip, what happens to your non-refundable deposits or pre-payments?

6. You arrive in Jamaica and your luggage doesn't. If it's lost, who will help you find it? If it's delayed, who will pay for your necessities? If it's stolen, who will pay to replace it?

7. Your cruise line, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses? Who will help get you to your destination?

8. You're walking down a street in Rio and twist your ankle. Who can help you find an English-speaking physician?

9. Three weeks before your scheduled arrival, a terrorist incident occurs in the city to which you are planning to visit. Who will pay if you want to cancel your trip?

10. You are at a beach resort in North Carolina, and you are forced to evacuate due to an approaching hurricane. Who will help you evacuate and who will reimburse your lost vacation?



Not all travel insurance companies are the same!

When purchasing travel insurance, it's important you look closely at the coverages and services you'll receive. Here is a quick summary of what makes Travel Guard different than the competition:

Broadest protection available - Travel Guard's policies include the broadest coverage you'll find in the industry. Bottom line: Travel Guard covers more unforeseen reasons for trip cancellation, interruption and delay than any other travel insurance policy!

Exceptional customer service - Like Valmon Travel, Travel Guard take great pride in providing a high level of service to our clients. When you choose Travel Guard, you can expect:

Policies to be issued within 24 hours of the application being received
All phone calls answered within 30 seconds
Assistance 24 hours a day, 7 days a week, 365 days a year
A zero defect tolerance for customer satisfaction
Fast, fair claims service - You won't find a faster, more accurate claims process than you will with Travel Guard. Our claims process standards include:

All Claims reviewed by an experienced analyst within 24 hours
Claims payment is finalized within 24 hours of receipt of final documentation
100% correct payments and calculations on all claims
The "Fairness Principle" - all denied claims are sent to a mediator for review and the mediator's decision is honored.
The best travel assistance service in the industry - Travel Guard provides its policyholders free 24-hour emergency travel assistance. Whether you need help finding medical care halfway around the world, making emergency arrangements to return home or obtaining an emergency cash advance, you can access our toll-free hotline from anywhere in the world, any time of day.

How quickly expenses add up!
A couple vacationing in the Caribbean learned the hard way why you should never travel without insurance. Mr. Stewart fell and broke his hip and had to be evacuated to Miami in order to receive adequate treatment. Here are the expenses he racked up while on vacation:
Evacuation to Miami $ 8,000
Medical bills in Miami $876
Broken camera during fall $500
Extra seats to lie down on flight home $828
TOTAL $10, 204

While many travelers think their health insurance, homeowners insurance or even credit card will provide adequate travel protection, that's simply not the case. In the above example, only $541 was covered under his health insurance plan which meant Mr. Stewart was responsible for the remaining $9,663.

If Mr. Stewart had traveled with Travel Guard insurance, these expenses would have been covered 100 percent. It pays to buy travel insurance!

Travel Guard offers several plans:

ProtectAssistTM- Travel Guard's most popular plan can be purchased any time up to 24 hours before departure.
But don't wait! Purchase your ProtectAssistTM policy within 7 days of your initial trip deposit and receive additional benefits at no additional cost:

Double the baggage and travel documents benefit.
Waive any pre-existing medical conditions that could eventually cause you to cancel or interrupt your trip.
Protection against airline, cruise line or tour operator default.
Pricing and full description of coverage.

Cruise, Tour, and Travel- The premier travel protection policy! You not only get valuable trip insurance, you also get a comprehensive package of travel assistance services - a 24-hour "911" hotline for all types of travel emergencies
Pricing and full description of coverage.

Travel Rite Annual Product- Ideal travel protection for frequent travelers.
With coverage starting as low as $59, Travel Guard's Travel Rite Annual insurance plans offer frequent leisure and business travelers a year's worth of affordable travel protection regardless of the number of trips taken (up to a maximum of 90 days each trip).
Pricing and full description of coverage.

Bag Trak®- Protects your baggage and personal possessions if they are delayed, lost, stolen or damaged during your travels. We offer two Bag Trak plans and both provide protection for one full year, no matter how many trips you take; plus you'll receive two free luggage tags and the industry's premier baggage tracing service.
Pricing and full description of coverage.