Travel Guard Essential & Essential Expanded Trip Cancellation Travel Insurance Plan's Detailed Description Page for FL & PA Residents

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May 5, 2010 Update: Travel Insured policies purchased on or after 5/5/10 are eligible for coverage for unexpected events due to the eruption of Eyjafjallajokull and resulting ash cloud. Read the entire Travel Insured statement here

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This is a long page - You get lots of information and prices

These Travel Guard Essential & Essential Expanded plans are for FL & PA residents only

Click here if you live in a state other than FL, NY, PA or WA

AIG's been in the news recently. Travel Guard is owned by AIG. Click here to learn more about Travel Guard's Financial Reserves. Want to know what the Trip Insurance Guru says about Travel Guard? You can read Steve's 3/6/09 blog post called "Is it Still Safe to Get Travel Guard Travel Insurance?" here, and read this one, too: Travel Guard Response to Recent AIG News Reports.

Travel Guard Essential & Essential Expanded Plans have their strengths & quibbles:

Why Buy It?	Quibbles
The Essential Expanded plan has $15,000 Secondary Emergency Medical coverage (can be upgraded to $30,000), $100,000 Emergency Medical Evacuation (can be upgraded to $200,000) and higher overall benefits	The Essential Expanded plan has a $50 medical deductible (can be eliminated for $10 - $55 per person depending on your age)
The Essential Basic plan has $10,000 Secondary Emergency Medical coverage (can be upgraded to $30,000) & $100,000 Emergency Medical Evacuation	The Essential Basic plan has a $50 medical deductible (you get an extra $20,000 medical for $4 - $20 per person depending on your age). The Essential Basic doesn't cover pre-existing conditions & supplier financial default, either.
You have to buy the Expanded plan no later than 14 calendar days after your initial trip deposit date to cover pre-existing conditions & supplier financial default	The maximum trip cost you can insure for pre-existing conditions is $15,000 per person. If your per person trip cost exceeds $15,000 you still have pre-existing conditions coverage on the first $15,000 per person trip cost.
The lowest trip cost you can cover is $0. This means you won't have any trip cancellation, nor pre-existing conditions coverage.	A $0 trip cost changes your policy's effective date potentially causing you a problem. Read this: Don’t Insure A $0 Trip Cost To Save Money
You can insure a maximum trip cost of $100,000 per person with both Essential plans
Travel Guard can advance payment to a medical facility if needed to secure Your admission
The lowest trip cost you can cover is $0. This means you won't have any trip cancellation, trip interruption, financial default nor pre-existing conditions coverage
The Essential Expanded covers 1 child 17 & under free with each related adult on the same policy
The Essential plans have a 180 day Pre-existing Condition Lookback Period
You have a 14 day Free Look Period
Travel Guard's maximum trip length is 365 days
Everyone with the same itinerary is considered a traveling companion

The Travel Guard Essential plans cover you for up to $30,000 Secondary Emergency Medical, $100,000 Emergency Medical Evacuation and 100% Trip Interruption. 14 day money back satisfaction guarantee. Available to US residents, except NY residents, only. All benefits are expressed in U.S. dollars.

Note: The maximum trip cost you can insure for pre-existing conditions is $15,000 per person. If your per person trip cost exceeds $15,000 you still have pre-existing conditions coverage on the first $15,000 per person trip cost.

Travel Guard's Certificates of Coverage: (DOC)

Essential Basic DOC	Essential Expanded (Silver) DOC
A brief description is below. For complete coverage, terms, conditions and exclusions, select the desired Essential Basic or Essential Expanded DOC. You may click on the link to view or download it

The Travel Guard Essential Basic and Essential Expanded (Silver) Plans Cover:
Plan Name	Essential Basic	Essential Expanded (Silver)
Secure online order link (you don't pay extra fees using us)	Essential Basic's secure online purchase page	Essential Expanded's (Silver) secure online purchase page
Money Back Guarantee	14 days
Trip Cancellation (per person)	Up to the insured amount
Trip Interruption (per person)	Up to the insured amount
Emergency Medical (per person) - Travel Guard can advance payment to a medical facility if needed to secure Your admission	$10,000 ($50 deductible)	$15,000 ($50 deductible)
Emergency Medical Evacuation / Repatriation (per person)	$100,000
Your deadline to waive the Pre-Existing Condition exclusion	No Pre-Existing Condition Waiver	Your Initial Trip Deposit Date plus 14 calendar days
Pre-Existing Condition Lookback Period	180 Days
Travel Baggage (per person)	$500 ($50 deductible)	$750 ($50 deductible)
Travel Baggage Delay (per person)	$100 (after 24 hours)	$200 (after 24 hours)
Travel Delay (per person)	$500 ($100 a day after 12 hours)
Travel Supplier Financial Default	No Financial Default Coverage	14 Day Wait if purchased by your Initial Trip Deposit Date plus 14 calendar days
Damage To Your Rental Car (Not available to residents of NY & WA)	Yes, as a separate plan
24-hour Assistance Services	Included
Terrorist Incident coverage in Itinerary City	"...in a city to which you were scheduled to arrive within 30 days"
Optional Upgrades	• Optional upgrade to $20,000 medical & $200,000 evacuation is available • Up to $500,000 Flight Insurance	• Optional upgrade to $20,000 medical & $200,000 evacuation is available • Up to $500,000 Flight Insurance
Some More Details:	• Secondary medical coverage • Optional upgrade to $20,000 medical is available	• Secondary medical coverage • Optional upgrade to $20,000 medical & $200,000 evacuation is available • One child age 17 & under is free for each related adult 18 or older on the same policy
Insurance Underwriter	National Union Fire Insurance Company (A Rated)
Secure online order link (you don't pay extra fees using us)	Go to the Essential Basic's secure online order form	Go to the Essential Expanded's secure online order form

Here are the Travel Guard Essential Basic Plan Prices:

Take note of this important Travel Guard Essential Basic Plan pricing information:

The table contains rates for Trip costs up to $10,000 per person. Click here to get the prices from $10,001 to $100,000 per person
$0 Trip Cost band does not include Trip Cancellation and Trip Interruption
The highest per person trip cost you can order online is $100,000. Call us at 1-888-407-3854 if your per person trip cost exceeds $100,000 to get quotes on, or to order other plans that can cover your full trip cost.
It's the same price for a trip of up to 30 days
You can increase the Emergency Medical to $20,000 for $4 - $20 per person depending on your age
Travel Guard Essential Basic has a $7 non-refundable policy fee
The daily per person rates for a 31 - 365 days' trip is $5
Here's the Travel Guard Essential Basic secure online order form

The Travel Guard Essential Basic Plan Prices
Trip Cost Per Person (US dollars)	Ages 0 - 34	Ages 35 - 59	Ages 60 - 69	Ages 70 - 74	Ages 75 - 79	Ages 80 - 84	Ages 85+
$0	13	19	24	28	41	51	60
$1 - 250	16	23	27	33	43	59	67
$251 - 500	18	27	30	38	45	68	74
$501 - 1,000	31	39	49	67	81	105	125
$1,001 - 1,500	40	53	67	88	116	138	176
$1,501 - 2,000	54	71	92	125	151	179	227
$2,001 - 2,500	69	89	114	154	186	221	278
$2,501 - 3,000	83	105	136	184	222	261	330
$3,001 - 3,500	98	111	159	214	256	302	381
$3,501 - 4,000	111	122	180	243	292	351	432
$4,001 - 4,500	124	139	228	272	326	397	483
$4,501 - 5,000	138	155	256	302	362	444	533
$5,001 - 5,500	159	183	281	355	397	498	585
$5,501 - 6,000	178	211	306	388	432	551	636
$6,001 - 6,500	194	231	334	422	467	602	687
$6,501 - 7,000	210	250	362	455	502	653	738
$7,001 - 8,000	231	272	406	514	573	735	842
$8,001 - 9,000	259	295	450	575	644	815	944
$9,001 - 10,000	287	317	496	633	717	896	1,049
The Essential Basic's Medical Upgrade cost (extra $30,000 Medical & No Deductible)
You need to add Travel Guard's $3 per policy service fee to these prices:	$4	$6	$8	$10	$12	$15	$20
Per Day Rate for Trips Over 30 Days	$5	5	6	7	8	9	10

Click here for the Travel Guard Essential Basic secure online order form

Ready to Order? It's easy (and safe) to order online or over the telephone - just call Steve, Deanna, Becky, Teresa or Mary toll free at 1-888-407-3854 (US & Canada) or 507-214-3854.

Here are the Travel Guard
Essential Expanded Plan Prices:

Take note of this important Travel Guard Essential Expanded Plan pricing information:

The table contains rates for Trip costs up to $10,000 per person. Click here to get the prices from $10,001 to $100,000 per person
$0 Trip Cost band does not include Trip Cancellation and Trip Interruption
The highest per person trip cost you can order online is $100,000. Call us at 1-888-407-3854 if your per person trip cost exceeds $100,000 to get quotes on, or to order other plans that can cover your full trip cost.
It's the same price for a trip of up to 30 days
You can increase the Emergency Medical to $20,000 for $10 - $55 per person depending on your age
Travel Guard Essential Basic has a $7 non-refundable policy fee
The daily per person rates for a 31 - 365 days' trip is $5
Here's the Travel Guard Essential Expanded secure online order form

The Travel Guard Essential Expanded Plan Prices
Per Person Trip Cost (US dollars)	Ages 0 - 34	Ages 35 - 59	Ages 60 - 69	Ages 70 - 74	Ages 75 - 79	Ages 80 - 84	Ages 85+
$0	14	21	27	31	46	58	67
$1 - 250	17	25	31	37	48	67	76
$251 - 500	20	30	34	43	51	77	85
$501 - 1,000	35	44	55	75	96	123	145
$1,001 - 1,500	45	60	75	99	136	161	205
$1,501 - 2,000	61	80	104	142	175	207	263
$2,001 - 2,500	78	100	128	174	214	254	330
$2,501 - 3,000	95	118	154	208	256	297	390
$3,001 - 3,500	111	125	180	242	292	341	447
$3,501 - 4,000	126	137	204	274	332	396	501
$4,001 - 4,500	142	157	260	310	371	459	562
$4,501 - 5,000	158	178	291	346	412	513	619
$5,001 - 5,500	182	210	319	403	451	573	678
$5,501 - 6,000	203	240	347	441	491	632	738
$6,001 - 6,500	220	262	379	479	530	694	795
$6,501 - 7,000	239	284	413	519	573	755	860
$7,001 - 8,000	263	309	462	586	653	847	977
$8,001 - 9,000	295	334	512	654	734	946	1,102
$9,001 - 10,000	328	363	567	723	822	1,044	1,226
The Essential Expanded's Medical Upgrade cost (extra $20,000 Medical & No Deductible)
You need to add Travel Guard's $3 per policy service fee to these prices:	$10	$15	$20	$25	$35	$45	$55
Per Day Rate for Trips Over 30 Days	$5	5	6	7	8	9	10

Ready to Order? It's easy (and safe) to order online or over the telephone - just call Steve, Deanna, Becky, Teresa or Mary toll free at 1-888-407-3854 (US & Canada) or 507-214-3854.

Home Travel Guard Essential & Expanded Details Travel Insured Lite & Lite Expanded Details		Since Jan. 2005
Easily Contact BasicTravelInsurance.com via email: steve@tripinsurancestore.com

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