There are hundreds of circumstances that could cause you to cancel your trip, return home early or force you to seek emergency medical treatment while traveling. To demonstrate the importance of purchasing travel insurance, and emergency travel services, here are 10 common examples of what could go wrong. It's 10 p.m. and your family arrives at the airport for a connecting flight, only to find that your flight has been cancelled. How do you get your family home? Your traveling companion's bag was lost with his insulin inside. He needs help to locate his bag as soon as possible and his emergency prescription filled. Who do you call? Your first visit to Europe, and your passport and wallet are stolen. Where do you turn for emergency cash, and how will you get your passport replaced? Your spouse is involved in an accident and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation? If your sister-in-law becomes seriously ill and you choose to cancel your trip, what happens to your non-refundable deposits or pre-payments? You arrive in Jamaica and your luggage doesn't. If it's lost, who will help you find it? If it's delayed, who will pay for your necessities? If it's stolen, who will pay to replace it? Your cruise line, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses? Who will help get you to your destination? You're walking down a street in Rio and twist your ankle. Who can help you find an English-speaking physician? Three weeks before your scheduled arrival, a terrorist incident occurs in the city to which you are planning to visit. Who will pay if you want to cancel your trip? You are at a beach resort in North Carolina, and you are forced to evacuate due to an approaching hurricane. Who will help you evacuate and who will reimburse your lost vacation? Why Travel Guard? Not all travel insurance is the same! When purchasing travel insurance, it's important you look closely at the coverages and services you'll receive. Here is a quick summary of what makes Travel Guard different than the competition: Broadest protection available - Travel Guard policies include the broadest coverage you'll find in the industry. Bottom line: we cover more unforeseen reasons for trip cancellation, interruption and delay than any other travel insurance policy! Exceptional customer service - We take great pride in providing the high levels of service for which we've built our reputation. When you choose Travel Guard, you can expect: Coverage to be effective within 24 hours of the enrollment form being received All phone calls answered within 30 seconds Assistance 24 hours a day, 7 days a week, 365 days a year A zero defect tolerance for customer satisfaction Fast, fair claims service - You won't find a faster, more accurate claims process than you will with Travel Guard. Our claims process standards include: All Claims reviewed by an experienced analyst within 24 hours Claims payment is finalized within 24 hours of receipt of final documentation The "Fairness Principle" - all denied claims are sent to a mediator for review and the mediator's decision is honored. The best travel assistance service in the industry - Travel Guard provides its policyholders free 24-hour emergency travel assistance. Whether you need help finding medical care halfway around the world, making emergency arrangements to return home or obtaining an emergency cash advance, you can access our toll-free hotline from anywhere in the world, any time of day.   How quickly expenses add up!     The following is a real example experienced by a couple vacationing in the Caribbean. They learned the hard way why you should never travel without insurance. Mr. Stewart fell and broke his hip and had to be evacuated to Miami in order to receive adequate treatment. Here are the expenses he incurred up while on vacation: Evacuation to Miami $ 8,000 Medical bills in Miami $876 Broken camera during fall $500 Extra seats to lie down on flight home $828 TOTAL $10,204 While many travelers think their health insurance, homeowners insurance or even credit card will provide adequate travel insurance protection, that's simply not the case. In the above example, only $541 was covered under his health insurance plan which meant Mr. Stewart was responsible for the remaining $9,663. If Mr. Stewart had traveled with Travel Guard insurance, these expenses would have been covered 100 percent. It pays to buy travel insurance!

...you can't afford to travel without it!  

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What customers are saying about Travel Guard

What if a medical emergency happens while I am traveling?

Travel Guard Assistance is just a phone call away. At all our service centers, strategically located around the globe and staffed with multi-lingual personnel, we are prepared to help you no matter what the situation. From finding a doctor to visit your hotel room to arranging the most difficult air ambulance rescue, we are there-when you need us, right when you need us most.

And with Travel Guard, we do more than just make the arrangements; we pay the bill (check your policy for limits and exclusions). In many cases, personal health insurance plans do not provide payment directly to foreign hospitals. Many plans also include higher deductibles for out-of-country treatment and won't cover the cost of emergency medical transportation. But with Travel Guard, help is just a phone call away. Millions of people each year rely on Travel Guard and our services. You don't want to travel without us.

What if the company I booked my trip with goes out of business?

You've saved all year for this vacation, only to find 2 days prior to departure that the company has closed its doors, gone out of business - leaving you stranded! It's an all too common occurrence these days. But, with Travel Guard you are protected. All of our policies that include trip
cancellation also include supplier default protection.

Taking the risk out of your travel adventures

If an illness, accident, emergency, or other covered unforeseen event occurs before or during a trip, you could lose hundreds or thousands of dollars in non-refundable deposits. Cruises, package tours, and airline tickets typically require 100% prepayment. Some discounted airfares may have no value at all if you don't take the flight you've booked. Travel Guard travel insurance protects you against these types of losses and much more. It can also come in handy if you have to cut your trip short. You'll be paid not only for nonrefundable expenses, but additional transportation expenses to get you home, including the cost of a higher airfare to book a flight on short notice. The maximum amount payable is your insured trip cost. "If your vacation includes an up-front payment, it makes sense to protect your investment with a comprehensive travel insurance policy," said John Noel, Chief Executive Officer of Travel Guard International. "It's bad enough having to cancel or cut short a trip. It's even worse if you end up paying for a vacation you didn't get to enjoy." Emergency medical and travel assistance is another important benefit of travel insurance. If you suffer a serious accident or illness during a trip, travel insurance will pay for medical expenses and cover the cost of a medical evacuation. "One of our customers was on a Caribbean Cruise when he suffered a stroke," Noel recalls. "When something like that happens, Travel Guard Assistance is a tremendous benefit. In this case, we arranged for an air ambulance to a medical facility in Miami, coordinated treatment, and arranged air transportation for his wife to join him at the hospital. The emergency evacuation expenses exceeded $7,300, but the entire cost was covered by the couple's Travel Guard insurance policy."

"I wanted to thank you for the no hassle way that you handled our claim. It definitely was worthwhile taking out this insurance coverage."
     -Betty Welsh

"Thank you for your outstanding customer service and professional attitude."
     -Mike Mackay

"On a rare occasion a complete stranger renews my faith in first class service. Such was my experience with your claims person."
     -Lila Zuker

"It seems to me that you have a dedication to your customers that is way above what we see in most other business'."
     -Richard Pocent

"I want to thank you for the service rendered; it was a great help at the time of great stress. Not to be hassled at such a time but to be dealt with on an understanding basis was a blessing."
     -Dr. Charles R. Solomon

"Thank you for your fair and prompt judgment. You are a credit to your industry."
     -Peter E. Levis

"I received your insurance settlement today and am very please with the timely response. It isn't often a company surprises me by exceeding my expectations."
     -Steven J. Ferguson

"You have proved that you do, indeed, "Provide the finest travel insurance a client can buy."
     -Mary Rodgers, Travel Agent

"From our first contact with your customer service operator to the receipt of the final check, your company showed exceptional professionalism in resolving our claims in a courteous and expeditious manner."
     -Barbara Marks

"We were grateful during a traumatic time to have our Travel Guard Insurance We would use Travel Guard again and recommend you to others."
     -Judy Wittman

"We would like to express our appreciation for the prompt settlement of our recent claim. When you write that a company strives to give the best possible service, it is certainly true."
     -Mr. & Mrs. Merlyn Krick

"I would like to take this opportunity to thank you for providing first rate trip insurance for myself and family. Travel Guard handled my claim exactly as I was told. Travel Guard's staff has proven to be at the forefront of customer satisfaction."
     -Lorenzo Conway

"To you we were claim #XXXXXX. To us you are an answer to a prayer. Not only did our insurance accomplish its intended purpose, but your handling of this claim renewed our faith in the insurance industry. We shall not forget the name "Travel Guard International."
     -Augusta and George Evans

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