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Travel Guard v Allianz

We were just confirmed for our fall 2022 back-to-back tours of Italy. We have to make a quick decision about travel insurance to get the pre-existing conditions coverage. Like many of you, we had booked these tours in 2020 only to have them canceled due to the pandemic. We had purchased Travel Guard for the 2020 trip and they initially refused to refund our premium. They finally did after I complained but it was a bit of a hassle and I vowed to never work with them again. So I am considering Allianz. Has anyone had experience with them? Would Travel Guard be the policy gold standard?

Posted by
1329 posts

Lucky you getting your money back. We got vouchers which they honored yesterday. Good luck and hopefully next year is a better year for travel.

Posted by
4782 posts

Insuremytrip.com can help you compare apples and apples. We've had good experience with Travelex. I don't think there's a "gold standard" for travel insurance, though there can be better and worse choices. Travelex, Allianz, and Travel Guard are among those with generally good reputations, but there must be some shady operators out there too.

Posted by
759 posts

Just a word of warning but for most preexisting conditions waivers the start of the 14 day clock is with the first payment. So when is first payment , the day of deposit or confirmation???? DO NOT ASSUME. I would go conservative with the day you made the deposit (If the carrier gets hit with a $`50,000 evacuation bill you had better believe they are going to go very conservative with their definition of terms. Time here is not your friend.

I have dealt with Travel Guard and seen them go above and beyond helping folks. The world fell apart in 2020 with business income coming to an instant halt. Travel guard policies go into effect the instant they are purchased ie pretrip accident/illness requires cancellation of the trip.

People seemed to forget that fact in demanding their FULL premium back; when in fact it wasn't legally due. I love how people want a 1 way street- always to their own benefit and when they do not get their way they cry like a baby, but that is just me. Yeah it took a while but premiums were returned for those demanding $$ such instead of vouchers. Thus I just don't accept Pandemic events for not shopping them post Covid. Again, I have seen some great service from Travel Guard with things go wrong on a Rick Steves trip. They work very closely with Rick Steves and go the extra mile for his tour members when the 'blank' hits the fan.

However you go, any carrier...just be aware that time is running.

Posted by
1289 posts

Jim, follow your vow if considering Travel Guard. Not everyone has a good experience with them. I’ve mentioned my reason for never using Travel Guard ad nauseam.

Posted by
1967 posts

I will add my two cents regarding Travel Guard and say I have had very good experiences with them. Granted, I have never had to file a claim but two trips were cancelled last year and they issued me two E-Vouchers good until two dates in 2022. I knew I would travel again and decided to not demand my money back.

I’m planning a week’s trip in Venice the last week of August and called them to activate one of the vouchers. I reached a very knowledgeable and pleasant lady who spent an hour with me on the phone answering my questions in detail.

I purchased the cancel for any reason coverage and likely will for my Scandinavia tour for next May.

People forget that businesses have to make money too. We need to remember that insurance is not designed to take on all the risks, no business can survive under the weight of that. We want to insure the risks that present the greatest threat to our financial situation.

Posted by
64 posts

I bought Arch Roam Right travel insurance for two trips in 2020 and I got an immediate refund when the tours and flights were cancelled. I intend to use them again for the two tours I have booked with Rick Steves for 2022.

Posted by
6755 posts

Travel Guard promptly paid our large $$ claims. No problems at all, $15,000 and up.

Posted by
70 posts

Thanks for the replies. I think I'll stick with Travel Guard. They seem to work seamlessly with RS.

Posted by
70 posts

onefastbob - "People seemed to forget that fact in demanding their FULL premium back; when in fact it wasn't legally due. I love how people want a 1 way street- always to their own benefit and when they do not get their way they cry like a baby, but that is just me."

onefastbob - For future reference and the benefit of others, I am not sure you are correct. It might depend on the state in which you live. People from Washington, New York and California got their premium money back. What is legal and what is not might depend on state law.