Is Travel Guardian insurance the best in 2024?
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In a world where unexpected events can disrupt our travel plans, having the right insurance coverage is crucial. One such option to consider in 2024 is Travel Guardian insurance in Canada.
But what are its travel plans? How much does it cost? What are its pros and cons and why should you chose it over another company?
This article answers all your questions and more!
5 key takeaways on Travel Guardian insurance
- Travel Guardian insurance stands out for its array of plans designed to meet the needs of diverse travellers.
- Travel Guardian's insurance is comprehensive and includes medical expenses, trip cancellations, and much more.
- On average, the cost of travel insurance with Travel Guardian insurance is around 5-7% of your total trip cost.
- Travel Guardian does have some exclusions to be aware of, such as losses caused by war, terrorism or hazardous activities.
- We recommend comparing Travel Guardian to its competitors to get the best price/value travel coverage.
Our review of Travel Guardian insurance
Travel Guardian insurance is a Canadian insurance company that specializes in travel insurance. They offer a variety of plans to fit the needs of different travellers, including:
- International travel insurance: This plan covers medical expenses, lost baggage, travel delays and other travel-related incidents while you are travelling outside of Canada.
- Snowbird insurance: This plan is designed for Canadians who spend at least 6 months of the year in another country. It covers medical expenses, emergency evacuation and other travel-related incidents while you are snowbirding.
- Domestic travel insurance: This plan covers medical expenses, lost baggage and travel delays while you are travelling within Canada.
Here are some of the pros and cons of Travel Guard insurance:
Pros of Travel Guardian insurance:
- Wide range of coverage options
- Competitive prices
- Easy to use the website and file a claim.
- Good customer service
Cons of Travel Guardian insurance:
- Can be expensive if you purchase a plan with a lot of coverage
- Some restrictions on its policies, such as pre-existing conditions and certain activities
- The claims process can be slow
The cost of travel insurance from Travel Guardian insurance Ltd. varies depending on the type of plan you choose, the length of your trip and your age and health. The average cost of travel insurance in Canada is $25.35 per trip for a single traveller, making it a great option for travellers.
Before you chose Travel Guardian insurance, do compare its plans to those of other travel companies:
Compare the best travel insurance plans on the market!
What is Travel Guardian insurance's coverage in Canada?
What is covered by Travel Guardian
Travel Guardian insurance offers a variety of optional coverages, such as:
- Medical expenses: If you become ill or injured while travelling, Travel Guardian insurance can help pay for your medical expenses, including doctor's visits, hospital stays and prescription drugs.
- Lost or stolen baggage: If your baggage is lost or stolen while travelling, Travel Guardian insurance can help pay for the cost of replacing your belongings.
- Trip cancellation or interruption: If your trip is cancelled or interrupted due to a covered event, such as a medical emergency, natural disaster or terrorist attack, Travel Guardian insurance can help pay for your non-refundable travel expenses.
- Emergency medical transportation: If you become seriously ill or injured while travelling and need to be medically evacuated, Travel Guardian insurance can help pay for the cost of the evacuation.
- Pre-existing medical conditions: If you have a pre-existing medical condition, Travel Guardian insurance can help pay for your medical expenses if you need treatment while travelling.
- Baggage delay: If your baggage is delayed for more than 24 hours, Travel Guardian insurance can help pay for the cost of essential items, such as toiletries and clothing.
- Trip delay: If your trip is delayed due to a covered event, such as a flight cancellation or a natural disaster, Travel Guardian insurance can help pay for the cost of your meals and lodging while you wait for your trip to resume.
- Travel assistance: Travel Guardian insurance also offers a variety of travel assistance services, such as 24/7 emergency assistance, medical referrals and lost passport assistance.
What is not covered by Travel Guardian
Travel Guardian insurance has a number of exclusions, which means that there are certain events or circumstances that are not covered by the policy. Some of the most common exclusions include:
- War and terrorism: Travel Guardian insurance does not cover losses that are caused by war or terrorism.
- Pre-existing medical conditions: If you have a pre-existing medical condition, Travel Guardian insurance may not cover your medical expenses if you need treatment while travelling.
- Hazardous activities: Travel Guardian insurance does not cover losses that are caused by participating in hazardous activities, such as skydiving, bungee jumping or whitewater rafting.
- Deliberate acts: Travel Guardian insurance does not cover losses that are caused by your own deliberate acts, such as drunk driving or drug use.
Also, there are a number of other events or circumstances that may not be covered by Travel Guardian insurance based on the plan or policy you choose.
What are Travel Guardian's insurance plans for visitors?
The specific coverages and exclusions will vary depending on the type of plan you choose and the level of coverage you select. For Canadian residents, travel guardian offers international travel insurance, snowbird insurance, domestic travel insurance and expatriate insurance as we discussed earlier.
But that’s not all, Travel Guardian also offers travel insurance for those travelling to Canada:
| Travel Guardian Plans | Types of travellers | Trip duration | Travel Guardian's Coverage |
|---|---|---|---|
| Visitors to Canada Insurance | Tourists, Business Travelers | Short period (temporary) | Medical expenses, lost/stolen baggage, trip cancellation/interruption, emergency medical transportation |
| Super Visa | Parents, Grandparents | Long period (2+ years) | Same as Visitors to Canada insurance, plus repatriation of remains |
| International Student Insurance | Students studying in Canada | Duration of studies | Medical expenses, lost/stolen belongings, trip cancellation/interruption, emergency medical transportation, tuition and educational expenses |
| Inpartriate Insurance | Temporary workers in Canada | Temporary work period | Medical expenses, lost/stolen belongings, trip cancellation/interruption, emergency medical transportation, repatriation of remains |
| International Experience Canada insurance | Participants in IEC program | Up to 1 year | Medical expenses, lost/stolen belongings, trip cancellation/interruption, emergency medical transportation, repatriation of remains |
How much doest Travel Guardian insurance cost?
The cost of Travel Guardian insurance varies depending on a number of factors, including:
- the type of plan and coverage you choose,
- your chosen destination,
- the length of your trip,
- your age and health (travel insurance for senior citizens with a pre-existing medical will be more expensive).
In general, Travel Guardian insurance costs about 5-7% of the total cost of your trip.
For example
If your trip costs $1,000, you can expect to pay about $50-70 for travel insurance.
However, here are some tips for getting the best deal on Travel Guardian insurance:
- Shop around and compare different policies: Get quotes from different insurance companies to see which one offers the best coverage and price for your needs.
- Buy early: The earlier you buy your travel insurance, the cheaper it will be.
- Consider a multi-trip policy: If you travel frequently, you may want to consider a multi-trip policy. This type of policy will cover you for multiple trips within a certain period of time, which can save you money.
- Add optional coverages: If you are concerned about certain risks, you may want to add optional coverages to your policy. For example, you can add coverage for trip cancellation or interruption, lost luggage or medical evacuation.
- Consider a travel credit card: Some travel credit cards offer travel insurance as a benefit. This can be a great way to save money on travel insurance, especially if you already have a travel credit card.
Compate Travel Guardian's policy to that of other travel insurers on the market using our free comparison tool below:
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How to contact Travel Guardian insurance?
Travel Guardian has a presence in many Canadian provinces, including Alberta, BC, and Ontario. You can visit these offices and explore the travel plans in person with an agent. Alternatively:
- You can get a Travel Guardian quote online
- Call the follow Travel Guardian phone number: 1-888-831-9338.
- Or email the company at [email protected].
