Travel Guard is part of one of North America's largest travel insurers, offering visitors-to-Canada plans in $25,000 to $150,000 amounts. Its Silver Visitors to Canada Plan 3 can be purchased after arriving in Canada, is 100% refundable before departure, and covers stable pre-existing conditions. It's most competitive for visitors aged 50–59 buying the $150,000 coverage; benefits thin out on the lower-value plans, and the maximum eligibility age is 74 - lower than most.
About Travel Guard
Travel Guard is one of North America's largest travel insurance providers, though not one of the biggest in Canada. Travel Guard Canada had extremely competitive rates for travellers under 60 until 2013, when it changed its rates and became somewhat more expensive across most age brackets. Today it's most popular with visitors to Canada aged under 59.
Travel Guard Standout Features
Accidental Death & Dismemberment
Cover up to a maximum of $40,000. (Silver Visitors to Canada Plan 3).
Available After Arrival
Available for purchase after arriving in Canada, with a 48-hour waiting period for illnesses. (Silver Visitors to Canada Plan 3)
Refundable
100% Refundable prior to departure. (Silver Visitors to Canada Plan 3)
Travel Guard Advantages & Disadvantages
| Advantages | Disadvantages |
|---|---|
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 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). |
From an administrative standpoint, the company is fairly easy to deal with when making date changes, or applying for partial refunds. | The $50,000 and $25,000 plans also use a standard $50 deductible. |
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 | The maximum eligibility age is 74 years old, lower than most visitors to Canada plans. |
Who Is Travel Guard Best For?
Visitors aged 50–59 buying $150,000 coverage - its most competitively-priced scenario.
Anyone who needs to buy after arriving in Canada - the Silver Plan 3 allows it (48-hour illness waiting period).
Travellers who want full refundability before departure - 100% refundable prior to the trip.
It's a weaker fit if you're over 74 (not eligible), buying the $25,000 or $50,000 plans (they drop Emergency Dental, Meals and Accommodation, and Family to Bedside), or shopping for the lowest price across other age brackets - where Travel Guard is often no longer the cheapest.
How to Get a Travel Guard Quote
Compare Travel Guard against every other insurer available through BestQuote in a single quote - enter your trip details in the tool on this page to see Travel Guard's real price for your age and coverage next to the alternatives, then buy online and get your documents by email. Insurance rates are regulated, so you pay the same price through BestQuote as buying direct, and as your broker we work for you at no extra cost. Have questions? Call 1-888-888-0510.
