Travel Guard
Travel Guard Annual
One yearly premium covers every trip you take, up to 90 days each.
Medical Sum Insured
$50,000
Deductible
$0 deductible
Ages Accepted
18–99
Per-Trip Cap
90 days
Sold To
US residents
Destinations
Worldwide incl. USA/Canada
Pricing Style
Flat annual premium
24×7 Assistance
Yes — global assistance line
Why travellers pick it
- Unlimited trips per year (≤90 days each)
- Strong baggage & delay limits
- Ideal from ~3 international trips/year
Full benefit schedule
Emergency Medical
$50,000
Hospitalisation, physician fees, diagnostics and prescribed medicines when you fall sick or get injured abroad. The single most important number on any travel policy.
Emergency Evacuation
$500,000
Air-ambulance or medically-supervised transport to the nearest adequate hospital — routinely a five-to-six-figure cost from remote areas, cruise ships or mountains.
Trip Cancellation
$2,500
Annual aggregate
Trip Interruption
$2,500
Reimburses the unused portion of your trip and extra transport home when a covered event cuts the trip short after departure.
Trip Delay
$1,500
$150/day after 5h
Missed Connection
$1,000
Extra transport costs to catch up with your itinerary (or cruise at the next port) after a delayed inbound leg makes you miss a connection.
Lost / Damaged Baggage
$2,500
Reimbursement for checked baggage lost, stolen or destroyed by a carrier, subject to per-item limits and depreciation.
Baggage Delay
$1,000
Emergency purchases (clothes, toiletries) when checked bags are delayed beyond the waiting period, usually 12–24 hours.
COVID-19 Cover
Covered as any sickness
Medical expenses and (on some plans) quarantine allowance or cancellation if you contract COVID-19 before or during the trip.
Get Travel Guard Annual for your exact trip
Tell us the trip and travellers — we confirm the live premium and eligibility with the insurer, handle the purchase, and stay on your file for claims help.
Key exclusions
- — Pre-existing medical conditions, unless the plan states otherwise or a waiver applies
- — Travelling against medical advice or to obtain planned/elective treatment (unless a medical-travel cover is bought)
- — Injuries from alcohol/drug influence, self-harm, or criminal acts
- — War, invasion, and active participation in civil unrest
- — Professional or competitive sports; extreme activities not on the plan’s covered list
- — Baggage left unattended in a public place; undeclared valuables above per-item limits
- — Losses recoverable from airlines, hotels, or other insurance first (most benefits pay secondary)
How claims work
File online with the insurer (receipts, proof of loss, medical reports). Emergencies: call the 24×7 assistance line first — they direct you to network care and arrange evacuations. Most document-complete claims are decided in 5–15 business days.
File online with receipts and proof of loss; assistance hotline coordinates emergencies 24×7.
Frequently Asked Questions
How much medical cover does Travel Guard Annual include?
$50,000 of emergency medical cover ($0 deductible). Emergency evacuation: $500,000.
Who can buy Travel Guard Annual?
Travellers aged 18–99, for trips up to 90 days per trip on an annual policy. Sold to US residents.
How do claims work on Travel Guard Annual?
File online with the insurer (receipts, proof of loss, medical reports). Emergencies: call the 24×7 assistance line first — they direct you to network care and arrange evacuations. Most document-complete claims are decided in 5–15 business days. File online with receipts and proof of loss; assistance hotline coordinates emergencies 24×7.
Does Travel Guard Annual cover COVID-19?
Yes — Covered as any sickness.
More from Travel Guard
Premiums shown are indicative estimates compiled from publicly available plan literature and typical market rates — the final premium, terms and issuance are always set by the insurer. Plan benefits, limits and exclusions are summarised for comparison; the policy wording issued by the insurer is the only binding document. Confirm current terms with the insurer or our consultants before purchase.