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For travelers thinking about getting Travel insurance, it is important to also look at the coverage and costs of the many different plans. Currently, the estimated cost of travel insurance ranges between 5% and 8% of the total travel cost. Insurance can be costly depending on your age and the cost of your travel plans. This is sometimes the deciding factor in purchasing. However, there are many things one must consider before foregoing insurance. Travel, like everything else in life is unpredictable. Many things can happen that are totally out of anyone's control. Lost luggage, an unexpected illness, port strikes, or cancellation prior to travel, are considerations in making your decision. For the traveler who has insurance, these unexpected incidents, are a comfort both emotionally and financially.

Once you have decided to purchase travel insurance, the next step is finding the proper coverage you need. There are many different types of travel insurance policies. It is important to know the type of coverage you require. All policies are based on medical needs, and most include cancellation. Each policy offers different inclusions, and each traveler has different needs, so what is a good plan for one person may not be the best one for another. A decision made early on, will be the most affordable, while providing the coverage required. Research and common sense are important when seeking a plan.

One of the most important concerns when traveling is medical. The health of you and your family is important and seeking the best coverage to fit your individual needs is crucial. Do you have coverage on your existing plan for traveling out of your immediate area, do you require coverage for pre-existing conditions, these are some of the questions you should ask yourself before researching the right coverage for you. Finding yourself in an unknown area, in an emergency, is very stressful. Having the coverage you need, with resources available, is priceless.

You have made an investment in your travel plans, why not make an investment in protecting those plans.

Policies provide many different types of coverage, the most common being:

Commonly for those who do not have any other medical insurance, even at home.
This type of coverage is for people who have medical coverage at home, however, their plan does not cover them while traveling.
For those unable to come home or get to a suitable medical facility on a scheduled commercial passenger flight because you are too ill or injured, this covers the cost of air ambulance as well as attending physician and nurse.
If you have to cut your trip short or cancel it entirely, this covers the cancellation or refund penalties and the cost of getting home.
Supplier default insurance - Covers any money you lose due to bankruptcy of a provider of travel services, i.e. airline, cruise line, tour operator.
Rental car insurance - Covers damage or theft to a vehicle you rent (collision" insurance) and/or liability to other vehicles or people you damage or injure.

Travel Guard is pleased to announce its new industry-leading coverage for involuntary termination or layoff. Their core retail plans are going through a number of enhancements (more announcements coming soon!), but the biggest change is effective. All four core plans (Platinum, Gold, Silver and Basic) now include trip cancellation coverage due to involuntary termination or layoff.

This enhanced coverage requires only one year of continuous employment with the same employer, and does not have limitations on departure date. (Most other insurance providers have limits on departure dates.)

Travel Guard understands the concerns many travelers are having right now and believe this coverage enhancement will help address those concerns. We encourage you to use this enhanced trip cancellation coverage to help close travel bookings for 2009 and BEYOND! (Remember – there are no restrictions on departure date.) It can help you feel more comfortable spending your hard-earned money on travel.

Cover your next trip with Travel insurance through Travel Guard International.

Travel Guard International offers a range of products to meet your travel needs. Plans may include valuable medical coverage, trip interruption, coverage for theft of baggage and personal effects, accident coverage, emergency travel and health services and more. Our travel insurance plans include backpackers insurance, expatriate insurance, luggage insurance, missionary health insurance, skiing travel insurance and more.

For more than 20 years, Travel Guard International has covered millions of travelers throughout the world. We're America's leading provider of travel insurance plans and assistance programs and we're here to help you 24 hours a day, 7 days a week. Coverage provided through Travel Guard International is easy to buy and with our 24-hour emergency travel services it's even easier to use.

Travel Guard International provides travelers with numerous coverage options. Whether it's a two-day trip or a month-long vacation, we have a product that fits your travel needs. Please continue below to view all of Travel Guard's insurance plans.

Travel Guard International offers: stand-alone flight accident insurance; stand-alone car rental protection (Collision Damage Waiver); basic & deluxe travel protection plans with pre-existing conditions exclusion waiver & coverage for travel supplier bankruptcy/default. Travel Guard plans are available for All Ages and Residents of the United States and Canada traveling worldwide up to 365 days. (Not available to residents of Washington State )

Premier Platinum
Our Platinum Plan is for travelers who want the most comprehensive package of travel insurance coverage and assistance services. If you are looking for the total package that includes our highest level of medical coverage, plus additional benefits when purchased within 21 days of initial trip payment including pre-existing medical conditions, primary medical and baggage coverage, and financial default; then this is the package for you! The Platinum Plan also covers for trip cancellation due to job loss and other covered work reasons! You can also upgrade your Platinum Plan to include optional coverages like Cancel for Any Reason and Medical Evacuation home or to the hospital of your choice!

Premier Gold
Our Premier Gold Plan is our most popular package of travel insurance & assistance services. Offering comprehensive coverage for individual travelers and families, this plan includes children 17 and under covered at no additional cost! If you purchase within 21 days of initial trip deposit, this plan provides additional benefits for pre-existing medical conditions, primary medical coverage, and financial default. Optional coverage upgrades include Cancel for Any Reason and Medical Evacuation home or to the hospital of choice.

Premier Silver
The Premier Silver Plan is for clients who are traveling individually or with their family and want standard coverage and access to 24-hour emergency travel assistance services. Now including increased medical and emergency evacuation coverages, this plan provides even more benefits when purchased within 21 days of initial trip payment, including coverage for pre-existing medical conditions and financial default. Each child 17 and under is covered at no additional cost for each adult that purchased this plan.

Premier Basic
The Premier Basic Plan includes essential travel insurance coverages and 24-hour emergency travel assistance. This plan does not cover trip cancellation for financial default or pre-existing medical conditions.

My Travelguard
A "build your own" travel insurance plan. Includes basic and 24-hour emergency travel services. Customize "My Travel Guard" with coverages and limits to meet your specific travel needs. Optional Coverage Upgrades include Cancel for Any Reason, increased medical, emergency evacuation and baggage coverages, Adventure Sports Coverage, Additional Covered Reasons Upgrade and more!

Business Traveler
Annual plan designed for business travelers.

Flight Guard®
Purchase Flight Guard if you're interested in life and accident insurance while flying on commercial airlines. Select from five levels of coverage and receive coverage against unexpected accidents that may occur while on, boarding or leaving an aircraft.

Medevac Annual - Family
If you travel frequently, MedEvac will provide worldwide travel medical evacuation that will transport you to the hospital of your choice if medically necessary. Plus, this plan can cover any qualified accompanying medical expenses that you may incur as well as Security Evacuation expenses (not available in all states). This annual plan is ideal if you travel internationally and/or for business reasons on a regular basis.

Medevac Annual - Individual
If you travel frequently, MedEvac will provide worldwide travel medical evacuation that will transport you to the hospital of your choice if medically necessary. Plus, this plan can cover any qualified accompanying medical expenses that you may incur as well as Security Evacuation expenses (not available in all states). This annual plan is ideal if you travel internationally and/or for business reasons on a regular basis.

Car Rental Collusion Insurance
Renter's Collision is available worldwide and an affordable alternative to the insurance rental car companies offer. This valuable coverage starts at $9 per day for $35,000 in coverage.