Okay I think I have the right policy here. This is the type of insurance you can get on baseball tickets if you are unable to attend a game for ANY reason right? (at the time I didn't know you could get other tickets if the game gets rain out on the same day from ball club) Anyway, I called them when I found out I was scheduled to work that day. I had requested off, however, I didn't realize that when I looked at my tickets I ask for wrong day off. I went to my employer and told them about it, but the only way I could get out of it, is if I could get someone to cover me. So I called this place and told them about it. They say they couldn't cover it because I requested the wrong day off, however if I knew I had to work ahead of time they could cover it. Duh!!! I did know I had to work because my employer told me if I couldn't get someone to cover it I would have too. Still they wouldn't cover the tickets. It wasn't the price I had to pay even though I believe it was a little high for game tickets, but the reason behind it. I believe it's worthless to get this unless you are going to another state for a game and something did come up. I ended up being about to get someone to cover my shift, they didn't get rained out, and they won, so all is well, but still what if I couldn't get one to cover my shift? And I had to work? I knew ahead of time? Won't be taking out this coverage anymore. Will just eat the loss.

I purchased travel insurance from Travel Guard on November 7, 2010 (policy # 909249299). The coverage included trip cancellation due to injury. Late at night on the same day I got into an accident, resulting in hand injury, and checked into the Beth Israel Emergency Department the following day. Due to the accident, I had orthopedic surgery on November 12, which caused me to cancel my trip.

Based on the above, I filed an insurance claim (1169439) with Travel Guard. After collecting all the paperwork and months of follow-ups, the claim was denied on the basis of 'pre-existing medical condition.' Although my injury was most certainly not a pre-existing condition or a condition known before the purchase of the policy, I was unable to appeal it. It was impossible to get a hold of anyone in the claims department over the phone. Responses received via voice-mail did not result in a resolution.

I lost both the trip cost and $131 spent on the purchase of the Travel Guard policy.

I purchased a policy from Travel Guard covering me for $10, 000 for a trip on which I was scheduled to go. I had paid non refundable business class fare for the air and almost at the last minute the tour operator cancelled the trip due to a medical situation she was facing. When I took out the policy I paid a premium for the "Cancel for any reason" clause. After paying for the plan I received a certificate of insurance but no copy of a policy. When I called to file a claim I was informed that cancellation of a trip by a tour operator, airline or cruise line is not covered. What other reasons are 90% of trips cancelled for? To me any reason means any reason, there should be no exceptions. I have subsequently read of another individual who filed a claim for a cancelled flight and was denied because they do not pay if the airline is at fault. They have outs in their small print for the greatest majority of claims. I would love somebody in the Senate to demand a hearing where these con artists (hiding behind large underwriters) are forced to disclose what percentage of claims actually get paid vs. those that are denied.

Our entire family purchased polices through Travel Guard and a family member went into the hospital in May of 2009 (and died) and they did not cover our loss yet! Still trying to supply them with endless documentation requests. We were put through obtaining multiple letters from the attending Physician. Requests for power of attorney's for those signing on behalf of the deceased. Numerous built in delay tactics like; you have to wait 4 weeks to get a response from them on any submitted items. If you call earlier they only state their 4 week policy back to you. You can't speak w an adjuster, only the customer service reps who take messages. In short a horrible company to do business with. Sure they'll take your premium but don't try to collect! They are loophole specialists. Read the policy fine print. They will do anything and everything to avoid paying and paperwork you to death. TRAVEL GUARD TRAVEL INSURANCE - 2 THUMBS DOWN.