My Travel Guard Travel Insurance Plan's Detailed Description Page

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My Travel Guard Travel Insurance Plan's
Detailed Description Page

Want to to pick and choose your travel insurance plan coverages? If so, you're at the right place! Travel Guard has an affordable & flexible travel insurance plan called My Travel Guard that allows you to choose the additional coverages and limits you want to meet your travel needs.

Do You Need the Pre-Existing Medical Condition Waiver?

The basics:

You can get the Pre-Existing Medical Condition Waiver if you live in any US State and Canada
Any US & Canadian residents can get the Pre-Existing Medical Condition Waiver plan if you are within 20 days of making your Initial Trip Payment
US & Canadian residents (except FL, IN, NH, NY, PA & WA) can get the Pre-Existing Medical Condition Waiver until as late as you prepay, before departure, your Final Trip Payment
You must select the "Additional Covered Reasons Upgrade" on the My Travel Guard quote

You must also meet these conditions:

Get the My Travel Guard plan within 20 days of making the Initial Trip Payment or by final payment (the last prepaid expense you pay before you depart on your trip). The final payment can be as little as prepaying a hotel room even if everything else is already paid in full.

Important: FL, IN, NH, NY, PA & WA residents can only get the Pre-ex Waiver within 20 days of making their Initial Trip Payment;
The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the Trip at the time of purchase, and the cost of any subsequent arrangement(s) added to the same Trip are insured within 20 days of the date of payment or deposit for any subsequent Trip arrangement(s);
You need to insure the entire length of your trip from the day you leave home to the day you return home;
All Insured travelers are medically able to travel when they buy their My Travel Guard plan.

You're not obligated, but I suggest you also get the Hospital of Choice Evacuation Upgrade in order to have the option of being medically transported to your home or to the hospital of your choice.

Click here to get your My Travel Guard customized quote

Note: the My Travel Guard plan prices aren't guaranteed. They can change day to day and are based on multiple price factors.

A brief description is below. Click here
to download or read the My Travel Guard Certificate of Coverage.

The My Travel Guard Coverage & Available Upgrades:

Color Chart Guide
Benefit	Included in My Travel Guard	Available Upgrades

Benefits	My Travel Guard	You can Upgrade your My Travel Guard to include any of these Benefits:
Eligibility:	• US or Canadian residents only
Secure online order form link (you don't pay extra fees using us)	My Travel Guard secure online purchase page
Money Back Guarantee	15 days
Cancel for Any Reason	You have the option to purchase a maximum limit of either 50% or 75% of Trip cost which provides reimbursement if you decide to cancel for any reason up to 48 hours prior to departure. Must be purchased no later than 20 days after your initial trip payment.)
Trip Cancellation (per person)	Up to the insured amount
Trip Interruption (per person)	100% of Trip Cost	150% of Trip Cost
Emergency Medical (per person) Travel Guard can guarantee the hospital payment	$10,000 Secondary with $50 per incident Deductible	• $25,000, $50,000 or $100,000 with no Deductible • You choose primary or secondary coverage
Waive the Pre-Existing Medical Condition exclusion	No coverage	Yes, as an optional upgrade. Your deadline is the latest of your Initial Trip Deposit Date plus 20 calendar days or the date you pay your scheduled final payment
Emergency Medical Evacuation / Repatriation (per person)	$100,000 Base plan provides evacuation to the nearest adequate medical facility	• $1,000,000 "Hospital of Choice" - You can be medically transported home or to the hospital of your choice
Pre-Existing Condition Lookback Period	180 Days
Travel Supplier Financial Default	No coverage	Yes, as an optional upgrade. Your deadline is the latest of your Initial Trip Deposit Date plus 20 calendar days or the date you pay your scheduled final payment
Travel Baggage (per person)	$500 with $50 deductible secondary coverage	• $1,000, $1,500 or $2,500 maximum coverage • No Deductible • Primary Coverage Upgrade
Travel Baggage Delay (per person)	$100 after 24 hours	• $200, $300 or $500 Baggage Delay (after 24 hours)
Travel Delay (per person)	500 ($100 per day after 12 hours)	• $1,000 ($100 per day after 12 hours)
24-hr Accidental Death & Dismemberment (per person)	No coverage	• $50,000
Renters Collision Insurance	No coverage	• $35,000 in primary coverage for collision damage to a rental car for which the car rental contract holds you responsible
Flight Accident Insurance (per person)	No coverage	• Choose from limits of $100,000, $200,000, $300,000, $400,000 or $500,000 of coverage for accidents that occur when travelling on a regularly scheduled or charter flight.
Insurance Underwriter	National Union Fire Insurance Company - A Rated 2010
Travel Guard Assist (Non-insurance services provided through Travel Guard Assist)	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 for one year
Additional MTG Upgrades	• Cancel for Any Reason • Medical Expense Upgrade • Hospital of Choice Evacuation Upgrade • Baggage Upgrade • Car Rental Collision Coverage • up to $500,000 Flight Accidental Life • Adventure Sports Coverage • Accident, Interruption and Delay Upgrade: • Additional Covered Reasons Upgrade
Secure online order form link (you don't pay extra fees using us)	AIG My Travel Guard secure online purchase page

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's More About The My Travel Guard Upgrades

Medical Expense Upgrade - Waives the $50 deductible and increases the medical expenses limit of the base plan from $10,000 to either $25,000, $50,000 or $100,000. Also, offers a separate option to upgrade your medical expense benefit to Primary coverage.

Hospital of Choice Evacuation Upgrade - For medical emergencies, we will medically transport you home or to the hospital of your choice. Base plan provides evacuation to the nearest adequate medical facility. Coverage limit is also increased from $100,000 to $1 million.

Pre-Existing Medical Condition Waiver
(Only applies if Additional Covered Reasons Upgrade is purchased)
The Insurer will waive the pre-existing medical condition exclusion up to a maximum of the first $50,000 of Trip Cost per person if the following conditions are met:

This plan is purchased within 20 days of making the Initial Trip Payment or by final payment;
The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the Trip at the time of purchase, and the cost of any subsequent arrangement(s) added to the same Trip are insured within 20 days of the date of payment or deposit for any subsequent Trip arrangement(s);
All Insured travelers are medically able to travel when plan cost is paid.

Baggage Upgrade - Increases the Baggage and Personal Effects limit to $1,000, $1,500 or $2,500 and waives the $50 deducible. Increases the Baggage Delay limit to $200, $300 or $400. Also, offers a separate option to upgrade your Baggage and Personal Effects benefit to Primary coverage.

Car Rental Collision Coverage - You have the option to purchase a maximum limit of either $35,000 or $50,000 in primary coverage. Subject to a $250 deductible. Covers collision damage to a rental car for which the car rental contract would hold you responsible.

Up to $500,000 Flight Guard - Coverage for accidental death or dismemberment that occurs when traveling on a regularly scheduled flight or charter, subject to the Maximum shown in the Schedule.

Adventure Sports Coverage - Provides trip interruption, medical evacuation and medical expense coverage for losses caused by many adventure sports activities typically excluded in many travel insurance plans.

Accident, Interruption and Delay Upgrade - Increases the Trip Interruption benefit to 150% of Trip Cost. Increases Trip Delay to $1,000 ($200 per day) and adds $50,000 Accidental Death & Dismemberment coverage.

Additional Covered Reasons Upgrade - Includes Trip Cancellation/Interruption coverage due to Financial Default, Terrorist Incident and a waiver for pre-existing medical conditions up to the first $50,000 of trip cost. Also covers Trip Cancellation/Interruption due to involuntary job loss or layoff. For complete details of coverage refer to the Description of Coverage. (Must be purchased within 20 days of inital trip payment or the date you pay your scheduled final payment.)

Optional coverages cannot be purchased separately.

My Travel Guard's secure online order form

We want to earn your Travel Insurance business. When you're ready to get Travel Insurance, just call us or follow the online purchase link. If you buy online, we get credit for your business even though the transaction takes place on their secure website.

Questions? Call Steve, Deanna, Becky, Teresa or Mary toll free at 1-888-407-3854.

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Protect Yourself and Travel with Peace of Mind

	Since Jan. 2005
Easily Contact FlexibleTravelinsurance.com via email: steve@tripinsurancestore.com

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