Best Reviews TopConsumerReviews.com Best Travel Insurance Best Reviews
Best Reviews
      September 26, 2018

Home  >  Travel Insurance  >  Travel Insurance vs Travel Guard

Best

Travel Insurance

  1. RoamRight
  2. Insure My Trip
  3. Travel Insurance
  4. Allianz
  5. Travel Guard
  6. Quote Wright
  7. World Nomads
  8. Travel Insurance Center
  9. Seven Corners

Compare Products

  • Select any 2 companies in our reviews to compare them head-to-head!
  • Compare

Your Information Is Secure
The Budget Travel Guide Newsletter

Latest Reviews

Acne Products

Coffee Clubs

Company Incorporation

CPA Exam Reviews

Credit Repair Companies

Dog DNA Testing

LLC Formation

Meal Delivery Programs

People Search

Pet Insurance

Wholesale Dropshippers

 

Individual Reviews

Squaremouth

Roam Right

Insure My Trip

Travel Insurance

Allianz

Travel Guard

Quote Wright

World Nomads

Travel Insurance Center

Seven Corners

 

Related Articles

What Does Travel Insurance Cost

How Travel Insurance can Save Your Vacation

What to Look For in a Travel Insurance Policy

 

Disclosure: We pay our reviewers for their reviews. We are not compensated by companies for their reviews, but we may be compensated for links and advertisements on our website. Click here for details.

Better Business Bureau Reliability Seal

Travel Insurance vs Travel Guard

Best Travel Insurance

To help you find the Best Travel Insurance, TopConsumerReviews.com provides you with an in-depth comparison of Travel Insurance and Travel Guard.

To see ALL of our reviews for the Best Travel Insurance, please Click Here

Who has the best travel insurance? The last time you took a trip, did you have travel insurance? If you were impacted by a natural disaster, suffered the hassle of lost baggage, or had a medical emergency, chances are good that you were wishing you had purchased a policy!

When it comes to tavel insurance, some people make the mistake of thinking that their credit card company offers protection, only to find out that their travel problems aren't covered. Other people forego travel insurance, assuming that their traditional health insurance policy will be enough to cover medical expenses - only to discover that it can't be used in another country.

Continue reading below reviews

Best Reviews

2018

Travel Insurance Reviews

4 stars
Travel Insurance

TRAVEL INSURANCE Visit Site

Travel Insurance offers plans from 11 different insurance companies: not as many as our first-place site, but still an impressive range that will cover the needs of practically any traveler.

Start your quote by answering basic questions like trip cost and travel dates; all of the questions are helpfully located all on one page (compared with several other sites that make you go through several pages in the quote process). You'll be given an initial results page; our trip particulars resulted in 17 plans that matched our needs. From there, if you have specific features in mind - Trip Cancellation, Pre-Existing Condition Exclusion Waiver, and so forth - you'll be able to check those boxes to further filter your results. You can also sort your results in a number of ways, such as by price, provider, or customer reviews - just be aware that you may not see this sort option if you don't have the browser window at full size. v

Travel Insurance gets high marks for showing customers at a glance the kind of details they want to know right away: customer reviews, basic coverage details and limits, A.M. Best ratings, and percentage of customers who would recommend each plan. You can also click the Add to Compare button for all of the plans that look like a good choice for your trip coverage.

If you need help from their customer service department, you can use Travel Insurance's toll-free number from 9a-8- Monday through Friday (though the site doesn't specify which time zone that covers).

This leads us to one small drawback with using Travel Insurance as your comparison site: there's no indication that they offer any support should you need to make a claim. In fact, on the Claims page, you'll only find the contact information for each of their providers, but nothing that says that Travel Insurance will help you make your claim (or contest the decision if your claim is denied). To be more competitive with our top-ranked services, we'd love to see Travel Insurance offer something to the people who purchase through their site.

On the other hand, we were very impressed with the number of positive ratings from customers: more than 30,000 at the time of our review! Granted, most of the customer comments talked about the easy-to-use website and the affordable coverage; few mentioned anything about how claims were handled or how customer service representatives managed concerns or questions. But, with 98% of all Travel Insurance customers recommending the service, we're sure you'll have a good experience using their site to find a policy that fits your travel plans.

Visit Site

3 stars
Travel Guard

TRAVEL GUARD Visit Site

If you've ever gotten a travel insurance policy through a travel agent, it's likely you're familiar with Travel Guard. Backed by insurance giant AIG, Travel Guard is one of the best-known companies within the industry.

They currently offer 3 basic plans for your travel insurance needs:

  • Silver: covers your trip with basic coverage amounts
  • Gold: most popular for international travelers and includes coverage for medical expenses, trip cancellation/interruption, lost/delayed baggage, severe weather, strike, and medical evacuations
  • Platinum: highest level of medical expense coverage, additional coverage if purchased within 15 days of your initial trip deposit

To get your quote, you'll need to enter your destination, whether you're traveling by air or sea, the dates of your trip, and the trip cost. From there you'll be taken to a results page showing your options for all 3 available plans. For our quote, children were included at no additional cost for the Silver and Gold plans but not for the Platinum package - it seems that the highest level of coverage would have the most benefits, but apparently not.

The Platinum and Gold coverage both had Cancel for Any Reason as an optional upgrade, and all three plans offered a Pre-existing Condition Waiver if coverage was purchased within a specific timeframe of the initial deposit (usually 15 days).

One interesting limitation is that all travelers must live in the state of residence entered. We're not sure how this would work for grandparents traveling with grandkids who live in another state or for friends traveling together who live on opposite sides of the country.

Travel Guard enjoys an A+ rating as an accredited business with the BBB and has been in operation for nearly 40 years. Their reputation is positive, as shown by the fact that many comparison travel insurance sites include Travel Guard policies. But, shopping directly through Travel Guard does limit you to only 3 base plans that may not have all of the options you could get through a higher-ranked travel insurance site.

Visit Site

Continued from above

Like most types of insurance, travel insurance is bought in the hopes that you'll never need it. But, for most travelers, it's worth the added expense for the protection it provides.

Just like more traditional forms of insurance, such as medical and auto, travel insurance varies in terms of coverage, options, and costs. Depending on what you select, your policy may cover just the bare basics, like trip cancellation/interruption and baggage/personal items coverage. Or, you may opt for a very comprehensive plan that allows you to cancel your trip for any reason - not the standard list of covered cancellation reasons - and includes coverage for accidental death, emergency evacuation from a foreign country, and so forth.

There are many different companies that specialize in travel insurance. How do you know which one to choose? As you consider your options, here are several aspects to keep in mind:

  • Reputation. Does the travel insurance company have an established track record for customer satisfaction, not just during the process of buying a policy, but more importantly when claims are made? Has the business received any accreditations from A.M. Best or the BBB?
  • Selection. Can you find a wide variety of policies through this business? Do you have the ability to add on optional features, like Cancel for Work Reasons or Pre-existing Conditions coverage?
  • Cost. Does the site offer policies within your budget range? Travel insurance premiums are strictly regulated, but not every site offers policies on both ends of the price spectrum and everywhere in between.

TopConsumerReviews.com has reviewed and ranked the best Travel Insurance companies currently available. We're confident that this information will help you select the right travel insurance policy to cover yourself - and your travel companions - in the event of any unforeseen complications with your trip!

Which medical conditions affect travel insurance

If you are travelling and want the peace of mind of being insured, be aware that any medical conditions may affect this. If you have certain medical issues, many insurers will not cover you for claims ...

Published:  Tue, 25 Sep 2018 07:42:00 GMT



Generali Global Assistance Extends Suite Of Travel Insurance Plans To Growing Seaside Coastal Segment

NEW YORK and SAN DIEGO, Sept. 25, 2018 /PRNewswire/ -- Generali Global Assistance's Travel Insurance division ("the Company), today announced its new Seaside Coastal Travel Insurance offering for the ...

Published:  Tue, 25 Sep 2018 05:43:00 GMT



Norwegian Cruise Co. Accused Of Travel Insurance Ruse

Law360 (September 24, 2018, 5:00 PM EDT) -- Norwegian Cruise Lines got hit with a proposed class action Friday in Florida federal court alleging the company reaped concealed kickbacks via the sale of ...

Published:  Mon, 24 Sep 2018 18:05:00 GMT



Why on Earth would a company offer insurance for space travel

Drivers need insurance before they get on the road. And space companies need it before they hurtle metal projectiles into the sky. Offering insurance for space flight might seem like an insane ...

Published:  Sat, 15 Sep 2018 03:17:00 GMT



Setoo Raises $9.3 Million for Insurance Innovation: Travel Startup Funding This Week

Setoo is helping to pioneer a wave of customized protection products, such as letting travelers buy coverage to get money back if there's not enough snow during a ski trip. The new products ...

Published:  Thu, 20 Sep 2018 22:37:00 GMT



Why trip insurance may not help if Hurricane Florence ruins your cruise vacation

Also see: How "˜dry docking' could ruin your $10,000 cruise vacation Tourists should not expect travel insurance to help them out if the ship still sets sail. "Because the cruise was not canceled outri...

Published:  Thu, 13 Sep 2018 08:41:00 GMT



Share Us!    Share TopConsumerReviews.com on Twitter Share TopConsumerReviews.com on LinkedIn Share TopConsumerReviews.com on Google+ Share TopConsumerReviews.com on Pinterest

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure