This comparison table shows a brief description of the insurance and assistance benefits provided by these programs.
This chart will enable you to easily understand and compare the major benefits. Call me on (800) 579-1464 and I will further explain the differences.
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Travel Guard Insurance Plans

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Access America Plans
Insurance Coverages
Cruise, Tour & Travel
Protect Assist
Gold
Essential Expanded
Silver
Essential
Insurance Coverages
Deluxe
Classic
Comprehensive
Basic
Trip Cancellation
Up to 100% of non-refundable Trip Cost Purchased
Trip Cancellation
Up to 100% of non-refundable Trip Cost Purchased
Trip Interruption
150% of non-refundable Trip Cost Purchased
Up to 100% of non-refundable Trip Cost Purchased
Trip Interruption
Up to 150% of non-refundable Trip Cost Purchased
Up to 100% of non-refundable amount Purchased
Travel Delay
$1000
Max.$200/day
$750
Max.$150/day
$500
Max.$100/day
Travel Delay
$1000 Max.$150/day
$500
$150
Missed Connection
$500
$250
Not Available
Missed Connection
$500
Not Available
Baggage & Personal Effects Loss
$2500
$1000
$750
$50 deductible
$500
$50 deductible
Baggage & Personal Effects Loss
$1500
$1000
$500
Baggage Delay
$500
$300
$200
$100
Baggage Delay
$500
$300
$100
Medical Expense
$50,000
Primary
$25,000
Primary
$15,000
$50 deductible
$10,000
$50 deductible
Medical Expenses
$50,000
Primary
$25,000
$10,000
$50 deductible
Emergency Medical Transportation
$1,000,000
$500,000
$150,000
$100,000
Emergency Medical Transportation
$1,000,000
$500,000
$50,000
Accidental Death & Dismemberment
$50,000
$10,000
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Accidental Death & Dismemberment
$50,000
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Rental Car Protection
$35,000 Optional - Collision/Loss Damage. See policy for details $250 deductible
Rental Car Protection
$50,000
Collision/Loss Damage. Primary
$35,000
Collision/Loss Damage. Primary(Optional)
 
Pre-Existing Medical Condition Waiver
Available if plan is purchased within 14 days of initial trip payment. See policy for complete details and other conditions.
Not Available
Pre-Existing Medical Condition Waiver
Available if plan is purchased within 14 days of initial trip payment. See policy for complete details and other conditions.
 
Additional coverages and other services included. See plan and policy details.
Additional coverages and other services included. See plan and policy details.

Exclusions, conditions, and limitations may apply AND ARE SUBJECT TO CHANGE. A complete description of coverage, may be found in the Certificate of Insurance/Policy, which will be provided to you upon purchase. Additionally, other coverages and services may be provided.
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