Cruise Tour & Travel - Total Plan
Cruise Tour & Travel is America's most comprehensive travel insurance and Travel Guard's most popular product. Primary coverage--we pay first! No deductibles or co-payments required.

Travel Guard's products and services are packed with tremendous benefits.

Travelers who want the most comprehensive protection will choose Travel Guard Total, not only because it has the superior reputation of being America's #1 travel insurance, but because it's all-inclusive.

This comprehensive plan provides peace of mind for travelers. Its coverage is primary, so there are no deductibles or co-payments. The exclusive family protection covers children under 16 years of age at no additional charge.

If a trip is cancelled or interrupted, or if a traveler changes their mind, we've got you covered. If luggage is lost, BAG TRAK traces it at no additional cost. In the case of medical emergencies, this plan includes $10,000 of medical expenses and $20,000 of emergency medical transportation expenses.

Pre-existing medical conditions are waived. And our 24-hour hotline provides emergency assistance from anywhere in the world.

Trip cost per person	Premium per person
up to $2000	$129
up to $2500	$164
up to $3000	$204

Coverage per person
Trip Cost: Trip Cancellation & Interruption
Trip Cost: Default Protection
$10,000: Medical Expenses
$20,000: Emergency Medical Transportation
$1,000 Lost, Stolen, or Damaged Baggage & Travel Documents
$600 Trip Delay
$200 Baggage Delay
$25,000 Accidental Death and Dismemberment
$300 Trip Cancellation & Interruption
$100 Trip Delay
$100 Baggage Delay

All pre-existing medical conditions accepted!
(The amount of Trip Cancellation coverage purchased must equal the full cost of all trip arrangements.)

Travel Guard Assistance
24-Hour Emergency Hotline
Offers emergency assistance for your peace of mind anywhere in the world. Included with the package!

Common Questions
Q. What does this policy cover for cancellation?
A. The Cruise, Tour & Travel policy covers for unforeseen sickness, injury, or death of the traveler, a family member of the traveler, a traveling companion, or family member of the traveling companion. The policy covers for cancellation due to inclement weather, unforeseen labor strikes affecting public transportation, unforeseen traffic accidents, financial default of the travel supplier, termination of employment, your home being made uninhabitable by fire, flood, vandalism, burglary, or natural disaster, your being subpoenaed, required to serve on a jury, hijacked, or quarantined, and military duty.

Q. Can you cancel your trip for any reason?
A. If you purchase your insurance within seven days of your initial deposit, you will receive a $250.00 change-your-mind coverage. However, if you do not qualify for this benefit, only certain unforeseen circumstances would be covered. A list of these circumstances is included in the certificate of insurance.

Q. What happens if someone not traveling becomes ill or passes away. Is this covered?
A. An illness of a family member not traveling with you would be covered; however, the same pre-existing clause would apply. The definition of a family member is included in the certificate of insurance.

Q. Will Travel Guard track my baggage if it is lost? And if so, for how long?
A. If your baggage is lost while you are covered under the policy we do track your baggage for one full year if it is not found.

Q. When does the coverage begin?
A. The coverage begins on a Travel Guard policy, for trip cancellation purposes, at 12:01 am on the day after the application is received by Travel Guard if coverage is purchased by mail, via phone, fax, or Internet. All other coverages will begin on the later of a) the date and time the insured starts his/her trip or b) the scheduled trip departure date shown on the application.

Q. How do I file a claim?
A. To file a claim, you can call Travel Guard between the hours of 7 am and 5 pm Central Time and start the process with a Claims Analyst on the telephone. The analyst will explain what needs to be provided to Travel Guard in order to pay your claim. The form will then be faxed or mailed to you to provide that information.

Q. What if I want a refund of the premium?
A. Travel Guard is committed to providing products and services that exceed your expectations. If you are not completely satisfied, you can receive a refund. A request must be submitted to Travel Guard in writing within three days of the receipt of your policy, providing it is not past your original departure date. Additionally, if the agent or tour operator cancels your trip, Travel Guard will refund, less the policy fee, upon letter of verification from the agent or tour operator that the trip was cancelled and refunded.

For additonal information, click on:
Certificate of Insurance
Schedule of Benefits