Q. If I do not enroll within the 7 days, how long do you look back for Pre-Existing medical condition?

A. If you do not qualify for the Pre-Existing waiver on the coverage, we will not cover for any loss due to injury, sickness or death to you or a family member or traveling companion if, during the 180 days preceding and including the coverage effective date there was any medical care, advice, consultation or treatment received for the condition that caused you to cancel. Nor do we cover if any symptoms of the condition were present, or if there was any adjustment in medication for the condition.

Q. How long do my bags need to be delayed before I will be covered for baggage delay?

A. Baggage delay coverage provides reimbursement for the purchase of essential items if your bags are delayed 24 hours or more.

Q. Will the plan reimburse for the single supplement if my traveling companion cancels?

A. If a traveling companion cancels and you are held responsible for a single supplement, you would be covered for the single supplement payment as long as the reason for the cancellation was covered under the terms of the Travel Guard™ policy.

Q. I am 55 and my husband is 60, can enroll on for coverage under the same policy?

A. Yes.

Q. What is the rate for trips over 30 days?

A. If your trip is longer than 30 days an additional premium is required. Please contact Travel Guard™ toll free at 800-826-4919.

Q. When does the coverage begin?

A. The Trip Cancellation coverage begins at 12:01 am on the day after the Enrollment Form 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 Enrollment Form.

Q. How do I file a claim?

A. To file a claim, you can call Travel Guard™ between the hours of 7:00am and 5:00pm Central Time and start the process with a Claims Analyst. 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. Request must be submitted to Travel Guard™ in writing within three days of the receipt of your description of coverage, providing it is not past your original departure date.