jclinard

Avoid TravelGuard like the plague. Don't take my word for it. Look up people who tried to collect on Israel trips with TravelGuard compared to other insurance companies. Do you own research. Don't listen to anybody who wants to tell you great things about how quickly the company deposited the premiums but has no experience making a claim. Don't take the word of random people on the internet without checking their claims (that includes everything I've said).

Only accept a recommendation from somebody who has attempted to file a claim.

I have also been called to jury duty in Nevada during a time when I had a pre-booked cruise. The summons provided instructions on how to defer service, which I did.

Better read the policy. Twice. Question every paragraph that details coverage and exclusions. Understand if there is any wiggle room, they'll issue a denial. Read customer reviews and complaints on the BBB before buying. Never take recommendations from people who only know how fast they deposit the premiums. Listen to people who have attempted to make claims. See how many of them know what color the checks are, and how long it takes for them to arrive.

How long did it take for them to pay your claim?

I had my baggage delayed upon returning home a few years ago. I read my policy carefully and it was clear they won't pay. It was delivered about 30 hours afterwards.

Medical, yes. For anything else, better read the policy first. You'll find you can only collect under a very limited set of circumstances. You should also look up cases with the BBB to get a feel about how claims go. Don't make the mistakes I made when buying travel insurance, and having my claim denied.

I have never been paid on any of my claims. I've only gotten denial letters. I tell people not to use Travel Guard because of my experience. But I urge anybody to not just take my word for it. Look up reviews with the BBB. Never take recommendations from people who are very happy with how quickly they cashed the premium check but have never made a claim. Ask for a policy before buying. Try using their e-mail to make a query about it (on one policy I made ten requests; they couldn't be bothered to reply).

Travel Guard wants you to abandon the claim.

I've stated before that the only surefire way I can see to collect on travel insurance is to die, at which point you won't need the money. After I got stung, I made it a point to read the policies and look at reviews. I sometimes try to warn people that insurance won't pay (under situations similar to my denial). The trouble is, people want to believe they are covered, so they ignore me. I figure I'll let them learn the hard way.

Russia and the US are actually only 2.5 miles at their closest point.

File the claim.

I don't know if the person who recommended against filing a claim was an insurance agent or just a busybody.

Only take recommendations from people who have tried to collect on a policy. Do not take recommendations from people who are impressed as to how fast the company deposited the premium and have no other dealings with them. Read any policy in advance. Understand what you want to insure. Read complaint cases from the BBB. You'll also find out what sellers can't or won't become part of the BBB. Be careful of randos on the internet trying to push an agenda. I know of some people who have both urged people to get insurance and then urged people not to file legitimate claims.

Only take recommendations from people who have tried to collect on policies, not people who only know how fast the companies deposit the premiums. Read the policy beforehand. Understand what you want to insure.