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.