Travel Insurance Glossary

An accident that takes place on a trip that results in death or loss of body parts

Coverage for activities considered to be higher risk, like snow boarding or skydiving.

Loss, theft, or damage that occurs to your luggage and travel documents while on your trip

Having your baggage redirected to a different location or it arrives late to your destination

Coverage for not being able to take your trip for any reason not otherwise covered in a travel insurance plan

Coverage for unexpected work obligations that come up and prevent you from traveling

Children under the age of 17 and related to the primary insured are covered at no additional cost.

A request for payment in accordance with an insurance policy

Services offered in Travel Guard plans that include recommending restaurants and making reservations, purchasing event tickets, etc.

The length of time that you are traveling and your travel insurance plan can cover you

A complimentary service that Travel Guard provides its customers when purchasing a travel insurance plan.

The Trip Cancellation Benefit is effective at 12:01 a.m. Standard Time on the date you purchase and pay for the plan and all over coverages begin on the date you begin your trip.

Coverage for an unexpected dental emergency that may occur while traveling that requires visiting a dentist or a hospital

A medically necessary transportation or evacuation to a medical facility

A tour operator or cruise or airline going out of business with or without filing bankruptcy

Coverage for an accidental loss that occurs while traveling by air

Severe weather that delays or cancels your insured travels

Being transported to an adequate medical facility or back home when medically necessary

An unexpected medical emergency that may occur while traveling and requires visiting a doctor or a hospital

Any injury or illness you have and sought medical treatment for within 60 days before your travel insurance policy becomes effective

The residence at which you mainly live

Coverage for if your rental car is damaged due to collision or vandalism

Any act of violence that results in loss of life or major damage from a person acting in a way to overthrow a government or gain control of it

Having to cancel your trip due to illness, death, or injury

The total prepaid and non-refundable expenses already submitted toward the trip regardless of who booked the arrangements. This does not include estimated or anticipated costs that have not yet been paid.

Coverage for airline delay, weather conditions or lost travel documents that result in being delayed more than 5 hours

The first day that any money was paid for any part of your covered travel arrangements. This includes any monies paid to a travel agent, tour operator, or arrangements purchased directly by the traveler.

Weather, strikes, illness, death, or injury that interrupts your travels

Coverage for additional airline expenses you incur while trying to return home

Additional coverage amounts and services that can be added on to a travel insurance plan.