Travel Guard Reviews

My claim was approved, but I never got notification, nor did the website say it was approved; it continues to say the claim is in progress. When I called to get clarification, they said the cheque had been sent out. I continued to follow up because I never received anything, and then they said it takes at least 20 business days for the cheque to arrive. It had been over 20 business days, and still no cheque. I asked if they could do a bank transfer instead (which is what they should have done to begin with). I received an email response a few days later, and they said they would cancel the cheque and re-issue a new one. And that the only other option was to do a wire transfer if it was accepted, and that could take up to 3 weeks. Absolutely ridiculous in my opinion. I assume my money will never make it to me.

I was unable to stay at the hotel I booked as my mother had to have surgery during that time. I sent them a copy of the hospital bill and they denied it as they said surgery was not a reason to pay claim..... They are making me bother the Dr. to get his notes saying why she needed this surgery. I would not recommend this to anyone as I feel they are frauds.

DO NOT USE THIS COMPANY. FIND ANYONE ELSE YOU CAN TO DO BUSINESS WITH. A simple luggage damage claim will take several weeks/months to get completed. The hoops this company makes you jump through is absolutely insane. I will never use them ever again. ABSOLUTE WASTE OF MONEY. I will just take the loss and purchase new luggage on my own. THANK YOU FOR ABSOLUTELY NOTHING.

Updated on 09/15/2026: ***PLEASE READ: If Travel Guard is ignoring your claim, or making you jump through hooops like they did to me, you need to follow these steps to get it resolved. 1. File a claim through your state's Department of Insurance. 2. Provide all the documentation including: receipts, insurance policy letter and any communication with Travel Guard. The State Department of Insurance will slap them with a claim and they will fold immediately and send you a check.

Expedia should stop offering vacation coverage through this rip-off insurance company. I scheduled an expensive hotel stay which was non-refundable for a night. I purchased the travel insurance that they offered through Travel Guard. Shortly thereafter, I found out that I needed to have surgery, so I cancelled the booking through Expedia immediately. I contacted Travel Guard and I filled out all of the necessary paperwork. One document required my doctor to verify the surgery.

Absolute scam. I booked a $500 hotel and purchased this “insurance”. My plans changed and they refused to reimburse me because that wasn’t a good enough reason. DO NOT Purchase this service. Total scam and they will do everything they can to not pay you.

I purchased Travel Guard insurance for a recent trip we were supposed to take. We had to cancel because my wife got cancer for a third time, and I had insurance for two hotel rooms in Ireland through Travel Guard. Two separate claims. I cancelled the trip on July 3rd and proceeded to file the claim through Allianz for the cost of the air travel etc. and then started working on the two hotel claims through Travel Guard. They were both around 250 dollars apiece. They settled the claim about 3 weeks later near the end of July and it said the checks were printed on July 28th and would be there 7-10 business days. I called on the 11th day as I had not received the checks...they said they would look into it. I called two more times and today I called....SEPTEMBER 2ND! They told me the checks were reprinted August 28th and on the way.....who knows when I'll see them!

Complete scam of a company. I do not and will never recommend using this service. Please use other insurance services either trough travel cards or anything else then this company. They will make it sound like their insurance is amazing and great till you file a claim then the fine print comes out and they WILL NOT COVER YOU. Cancelled a trip due to roaches and bed bugs which would have been unsafe for not only me but my family including children. But this company does not care. They are a money driving company that will be the first to take your money and say oh well when you actually need them. Complete worthless insurance/company as a whole.

I thought that I was protecting my hotel stay by purchasing this insurance through Travel Guard. What a joke. My wife got very ill, so I called to cancel. The person on the phone barely spoke English. She told me that I had to contact Expedia since I booked through them and get a confirmation that they cancelled the reservation and then submit it to them. She said she would send me the info on filing a claim. When I checked my email, I couldn't believe everything that they wanted. They requested my itinerary with proof of payment, proof that Expedia cancelled the reservation, a signed form from my wife's doctor detailing her diagnosis, and a form for every doctor that she had seen in the prior six months. They are a complete scam and waste of money. I am sure travel insurance is a good idea, but not from Travel Guard.

I wish it had a zero star. I will never do business with this company. When I booked a hotel via Hotel.com with refundable booking, this travel protection was offered with the booking. When I cancelled the hotel booking within 15 days for changing the hotel, I assumed the trip insurance was cancelled also as the booking was with the hotel booking. It was not the case, I needed to cancel the trip insurance separately. There was absolutely no clear indication that it was a separate purchase and needed separate cancellation. Now I am out dollars from my pocket for nothing. I will sty away from this gimmicky insurance company.

Travel Guard is a complete scam. We purchased flight insurance through Expedia specifically for unforeseen circumstances. When I experienced a severe medical episode at the gate - with a heart rate spiking between 120 and 180 BPM - the airline staff directly agreed that I was unfit to fly and recommended that I cancel boarding to prevent an in-air emergency. We made the responsible, safe decision to cancel my ticket so I could go home and seek medical attention there if needed. Travel Guard’s response? (After repeatedly asking us to provide the same documents ad nauseum) DENIED.

Do not buy Travel Guard insurance. I submitted a claim for a canceled ticket on July 18, and as of today, 8/11/2026, I have still not received any communication or update from your team. Your website states that a claim adjuster will contact the claimant within 15 business days. It has now been more than 15 business days, and no one has contacted me regarding my claim or provided any explanation for the delay. The individual that was assigned as the claim adjuster, and despite my submitting all the requested documentation, I have never been contacted by her or anyone else regarding the status of my claim.

They took responsibility and flew her home finally.

I wish I could give zero stars. I purchased travel insurance thinking I was protecting myself in case something unexpected happened, but I learned the hard way that it’s not as helpful as it sounds. When my travel plans changed because my friends were no longer able to go, I thought having insurance would provide some peace of mind. Instead, I found out that many situations you assume would be covered are not. The fine print feels designed to leave you without the refund you thought you were paying to protect.

We bought Travel Guard insurance through our airline, United, when we booked our flights. Travel Guard requires that you cancel within 15 days to get a refund. We were past that time frame when United informed us that a flight time had changed, and therefore we were entitled, by federal law, to a refund. Because the new flight started at 5 a.m., we canceled and got a refund from United, no problem. But Travel Guard refused a refund, even though we obviously could not have canceled before the 15 days. I asked them to explain how we could possibly have canceled the insurance when we didn't know the flight time would change and never got an answer. Don't buy this insurance.

We could not travel because my father was dying and I was providing daily care for him. We cancelled our flights and started the claim process. The amount of paperwork, forms, and signatures required was upsetting. Travel receipts, copies of reimbursement policies, Medical release forms, proof of illness letters from hospice doctors, and a copy of my birth certificate to prove he was my father. After waiting several weeks with no resolution, I decided to see if I could get my own reimbursement from United Airlines. The airline's requirements to prove I couldn't travel were far less invasive and they approved my reimbursement and paid me back in full within a week. I did all of the work myself. But then, after all of this, Travel Guard decided to reimburse me in full as well (after I complained about their process).

Update. After 4 months of calling and sending in more documentation. THEY'VE PAID MY CLAIM! Lesson learned. Read the fine print and organize all your documentation! Very thankful they finally paid!

Highly do not recommend getting for travels. Utterly useless. Coverage from Travel Guard does not apply to 99% of the situations that consumers go through even when you have a valid claim that Travel Guard insurance should be honoring. Flight cancellations apparently do not qualify you for anything.

Insurance is a transfer of risk - “buyer beware”! We have all arrived at the hotel and found that it was nothing like the pictures and it is in a neighborhood that we do not feel safe. Hotels.com and Travel Guard will not help even if you call before checking in! The most frustrating part was that we explained the circumstances immediately to the insurance company and they still drug us through a three month claims process to deny the claim. That’s simply adding insult to injury. Do not waste your money.

I was traveling from EWR to Singapore, my baggage was lost for 4 days. Finally my baggage was found, I spend almost half of my vacation's without my clothes and toiletries, it was little frustrating. I did have my travel insurance (Travel Guard) and immediately contacted them after I come back from my trip hoping to receive some compensation.

Then It was deemed not reimbursable as "FLIGHT CANCELLATION IS NOT ONE OF THE APPROVED REASON FOR REIMBURSEMENT DURING TRIP INTERRUPTION". I am not sure if the Travel insurance is not for unexpected flight cancellation by the airlines then what is it for???

What a scam. The coverage is offered but way down at the bottom is list what is covered and not covered. When you booking an event the last thing you do is expect this sort of "Washington DC" 2 step. What a crock!!!

Would give a zero if possible. Worst insurance for travel possible and to be honest, I wouldn’t even call them insurance. They are more of a scam than anything. If you cancel your trip, you can’t cancel your policy. If you need to file a claim, you can’t, if you need to reach someone, good luck. You have better luck finding refundable plane tickets and hotels on travel sites than dealing with whatever Travel Guard calls themselves.

Terrible company. Don't use. Had a small claim on a rental car slit tire. So far, 4 times I've got emails to submit documents. I've submitted each time everything by email and uploaded on their website. Called in, said they will have the adjustor call me back. Called me a week later and apologized, and they had all they needed. And now that they took so long the car rental company has charged my card they will pay me so I had to send that confirmation. Sent it and all the documents again both ways. Now I get a final request for documents and that the claim with clise in 2 days. So I called in again and they said an adjuster will call me. Don't waste your money.

Company would not honor a valid claim under part b, c in their policy. Wife and son ran out of seizure medication and needed to get their scripts filled. We went to the emergency room. Why buy insurance if they won't honor valid claims? Not happy and will seek arbitration if monetarily feasible.

I purchased airline tickets with Spirit Airlines (first mistake) and thought it would be wise if I bought travel insurance to protect me in case something happens. Of course, Spirit Airlines would file for bankruptcy, but I thought I was covered since the cancellation had nothing to do with me. Filed a claim with Travel Guard, and of course, they denied it. Travel Guard stated there's nothing in the fine print that protected me from Spirit Airlines going out of business. Absolutely disgusting that's not a valid reason for a claim to be paid. If you're reading this, please run. I only regret not reading all the negative 1-star reviews on this site before purchasing.

This company sells travel insurance, but in my experience, the coverage provided was extremely limited. I had to cancel a trip well in advance due to circumstances beyond my control, yet my claim was denied. After multiple attempts to obtain clarification and assistance, I received little to no response. Based on my experience, the policy did not provide the protection I expected, and I found the service disappointing. I would encourage potential customers to carefully review the coverage details before purchasing.

I paid for a “cancel for any reason” policy for a Greek cruise. The cruise line cancelled prior to the trip. Travel Guard form emails kept asking for more information, even after I sent everything there was to send. Then they denied my claim because I didn’t send what was requested. After many attempts, I was never afforded the opportunity to speak with a representative. Only phone intake people that I could barely understand. I left a message saying please call this afternoon, because I have an appointment this morning; that’s when they called and left a message… asking for more information. Multiply this by more than 30 women on our trip. Unless my appeal goes better, I’m out around $1600, plus the cost of “insurance“. Someone needs to follow up with this situation…

Absolutely awful, it should be criminal to sell this at checkout as travel insurance using the name “Travel Guard”. Very misleading. Please use Google and search Reddit for reviews of this company. I’m not sure there is anything you could claim to receive coverage after reading the exclusions. Maybe some freak accident like you physically passed away before the trip, even still, as long as your travel partner was alive, you’d still be liable for the trip. Do your due diligence; this is a scam and a money grab to pull more money off you at checkout. Do not buy.

DO NOT PURCHASE TRAVEL GUARD INSURANCE. IT'S A TOTAL WASTE OF MONEY! THEY COVER NOTHING. Purchased insurance for an International flight. My original itinerary was changed 5 times causing me to be forced to stay 2 extra days. I also had a layover changed from 2.5 hours to 9.5 hours. Travel Guard covered NOTHING!! I LOST approx $700 hundreds dollars. Travel Guard reps were terrible to deal with. Lied to me. Sent me on wild goose chase. Insisted that I get a Flight Delay report from Etihad Airways which never provided. This mistreatment of customers needs to be investigated!

Jehan W.

Proximo pilgrimage told us that we had to purchase Travel Insurance within 48 hours of signing up for a pilgrimage. My friend and I followed instructions from Proximo. We took out the Travel Insurance with Travel Guard. Proximo cancelled our pilgrimage due to lack of passengers. The cancellation was no fault of my own. Travel Guard refused to give us a refund, even though the policy had 100% cancellation in our policy. After many e-mails and phone calls, Travel Guard still refused the refund. I was given a voucher but wasn't promised 100% coverage with this voucher for another trip, for what the voucher is worth.

This company is a complete scam! Do not waste your money they make it extremely difficult to get ANY and certainly not all of your money back for a hotel stay due to a death in the family. Expedia will no longer receive my business after decades of bookings!

This is a scam. I had to cancel my ticket because of a vehicle accident, and they said it would only be covered for death. YES! I told them what happened and I cancel 2 weeks before traveling. Never again. Waste of money.

This company is the most unreliable scam I’ve ever experienced out of the country. No answers to emails or phone calls, sent them all information. They required never answered me back, absolutely horrible company, caused nothing but stress, ended up disputing it with my credit card and one, please don’t even waste your money on this.

This is a total scam. I tried to recoup a flight fare for a trip that I couldn’t go on because I really hurt my leg. While I had photos of bruising up and down my leg, they required physician verification. It would have cost me almost as much as the flight to go to urgent care. While I was in tremendous pain, I knew nothing was broke and that I needed to ice it and stay off of it.

My wife and I were going to go on a Viking Cruise - I purchased trip insurance with Travel Guard. NEVER AGAIN! I have been trying to get my claim settled for over 6 weeks - and they continue to drag their feet and come up with additional documentation requirements. So I will likely eat the cost of the cruise = Travel Guard SUCKS! So tired of insurance companies that screw their customers - travel insurance companies are the worst SO - DO NOT USE TRAVEL GUARD - WASTE OF MONEY (AND AWFUL CUSTOMER SERVICE).

Had to cancel a motel reservation, months before the reservation for a supposed covered claim. So far it's been a month and the only thing we have heard is that they needed us to resend them the information. Everything that they have asked for has been sent to them twice now. Now there is a different person assigned to our claim, (which you cannot contact). The only people that answer when you call are foreign and hard to understand. Not feeling very hopeful to get our $1800 back. Appears to be another scam from a foreign country. If the only way to get a refund for a timely motel cancellation is to buy insurance, I would stay away from that company. ie.. Expedia in this case.

Waste of money! I purchased Travel Guard via Expedia for a hotel stay that literally used as an example an illness to recoup the reservation and hotel stay cost and we were denied because clause something letter something doesn't cover THIS particular circumstance. This is a SCAM and they should be investigated.

Fee scammed. Our March 2026 trip to MX was delayed by two days and flight cancelled due to blizzard conditions in Minneapolis. After an HOUR of two company reps in the Philippines READING VERBATIM inapplicable parts of our policy, including things about earthquakes, fire and hurricanes, we were told SEVERAL parts of our policy applied. Trip delay, Trip interruption, etc. Claims department determined we were owed NOTHING. I will never use Travel Guard again. My advice: Don't you either. I wish I would have read the HUNDREDS of bad reviews about this company before buying their travel insurance!