Because unforeseen circumstances may arise, I strongly recommend you purchase the Travel Guard Essential Protection Plan. Coverage may be purchased any time up to 24 hours before departure. The package includes the following coverage*.

* Insurance coverage subject to limitations, exclusions and terms and conditions of policy.

Trip Cost: Trip Cancellation
Protects your travel investment if you cancel your trip for a covered reason.

Trip Cost: Trip Interruption
Protects your travel investment if you interrupt your trip for a covered reason.

$1,000: Trip Interruption - Return Air Only
Covers the additional transportation expenses incurred by the Insured to the Return Destination if the $0 trip cost is selected.

$500: Trip Delay
Reimburses you up to $100 a day for additional accommodations or travel expenses if you are delayed for more than 12 hours.

$500: Lost, Stolen, or Damaged Baggage & Personal Effects
Reimburses you if your luggage is lost, damaged, or stolen while you are on your trip. (Coverage subject to a $50 deductible.)

$100: Baggage Delay
Reimburses you for the purchase of essential items if your bags are delayed for more than 24 hours.

$10,000: Medical Expenses
Covers necessary medical expenses up to one year after the sickness or injury, provided you sought initial medical treatment while on your trip. (Coverage subject to a $50 deductible.)

Travel Guard® Assist
Offers emergency assistance for your peace of mind anywhere in the world.

LiveTravel
24-hour hotline to make emergency travel changes, such as rebooking flights, hotel reservations, tracking lost luggage and more!

Live messaging
Relay of any e-mail or phone message to family, friends or business associates

Emergency Cash transfers
Assistance in coordinating an emergency cash advance.

Pre-trip travel advisories
Around-the-clock access to passport, visa, inoculation and vaccine requirements; travel advisories; embassy and consulate contacts; travel health advisories; weather and currency information – all for your planned destination.

FREE Lost Baggage Tracking
Assists in locating lost or stolen possessions - free for one year!

Additional insurance benefits available!
If you purchase within fifteen days of your initial deposit, you have the option of purchasing our Travel Guard Essential Expanded Coverage which includes all the coverage in the Travel Guard Essential, plus the following:

• Pre-Existing Medical Condition Waiver: You don't have to worry about Pre-Existing medical conditions.

• Trip Cost Financial Default Protection: Covers you if the tour operator, cruise line or airline declares bankruptcy more than fourteen days after the effective date of coverage under the policy. Coverage must be purchase within fifteen days of initial trip deposit to receive this coverage-see Description of Coverage for complete details. (Financial default is not covered for all suppliers.)

• Coverage for a terrorist incident in a city listed on your intinerary within 30 days of your scheduled arrival.

• Flight Guard: This addition of $25,000 will cover you in the event of loss of life while you are traveling in the air.

• Family Coverage: One child 16 or under will receive coverage for every adult that purchases this travel insurance protection plan at no additional cost.

Increase your protection with these valuable additions to any Travel Guard Essential policies:

• Flight Guard: This may be purchased with coverage in increments of $100,000. Costs start at $9.

• $35,000: Renter's Collision Insurance: $35,000 in primary coverage! Covers cost of repairs for collision damage to a rental car, up to the limit of coverage, for which the car rental contract may hold you responsible.

• Optional Additional Medical (for which appropriate additional premium has been paid): $20,000 additional Medical Expense coverage can be added. Available with Basic only. (Cannot be purchased separately.)

• Umbrella Package: Valuable additions to increase your coverages. Your medical and emergency evacuation benefits will double in coverage. You will no longer have deductibles for the Medical and Baggage coverages. You will also receive a detailed pre-trip travel advisory. Available with Expanded only. (Cannot be purchased separately.)