Travel Guard Visitors Insurance Review
Travel Guard Canada Visitors to Canada Insurance
Travel Guard is one of North America's largest travel insurance providers, although they are not one of the biggest providers in Canada. Travel Guard Canada used to have extremely competitive rates for travellers less than 60 up until 2013, when they changed their rates and became somewhat expensive at most age brackets.
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Travel Guard is most popular with Visitors to Canada aged under 59 |
Travel Guard Standout Features
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Accidental Death & Dismemberment $40,000 maximum (Silver Visitors to Canada Plan 3) |
Available After Arrival in Canada Yes, with a 48-hour waiting period for sickness and illness. (Silver Visitors to Canada Plan 3) |
Refundable Prior to Departure 100% (Silver Visitors to Canada Plan 3)
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Travel Guard Advantages & Disadvantages
Advantages
- Travel Guard sells their visitors insurance in $150,000, $100,000, $50,000 and $25,000 plans. Compared with other visitor plans offering $150,000, their prices can be competitive (usually in the 50-59 age bracket).
- From an administrative standpoint, the company is fairly easy to deal with when making date changes, or applying for partial refunds.
- The Travel Guard Silver Visitors to Canada Plan 3 has some good secondary benefits, such as:
- Available After Arrival in Canada
- Accidental Death & Dismemberment
- Refundable Prior to Departure
Disadvantages
- From a benefit point of view, Travel Guard can be either average (for someone buying their $150,000 coverage less than age 49) or below average (their $50,000 and $25,000 plans do not have the same benefits as their $100,000 and $150,000 plan as they eliminate Emergency Dental, Meals and Accommodation, and Family to Bedside benefits).
- The $50,000 and $25,000 plans also use a standard $50 deductible.
- The maximum eligibility age is 74 years old, lower than most visitors to Canada plans.
Frequently Asked Questions