travel insurance

I have had Travel Guard but never used it. To compare details, I'd use a site like Squaremouth or Insuremytrip to look at the fine details between policies and your specific need for coverage (which varies by type of policy, age, and destination). Both sites include reviews from customers. You can also search the forum for prior posts on both companies https://search.ricksteves.com/?button=&date_range=2y&filter=Travel+Forum&query=allianz+and+%22travel+guard%22

I agree with CL. I have used both Travel Guard and Allianz in the past but have never had to make a claim. If you do an online search you will find complaints about ALL insurance companies so I would just pick one of these which are both fairly well-regarded.

Are you within 2 weeks of paying your initial down payment? That is the time frame on most policies for having them waive the pre-existing conditions clause if that makes a difference to you.

The insurance I would NOT use is AON. There are so many complaints about this company. It is who Road Scholar contracts with and I see complaints on the Road Scholar FB pages all the time.

I made a claim with Allianz last year and I am pleased with how quickly they paid it. All done online, and as with any insurance claim, a lot of documents required. We get an annual travel policy from them.

We have always used Travel Guard so cannot compare it to anything else. But we did have a good experience with them a few years ago when we got COVID on a Rick Steves tour. They were responsive, and helpful; we were compensated for the difference between the prorated tour refund and the total cost, medical costs, meals, and hotel expenses. We also learned to get receipts for everything!

We have used Allianz for four trips to Europe and have made one claim, for expenses related to a cancelled flight out of Florence and a delay getting home. I was anticipating problems but had none - it was easy to make a claim on-line, and we were reimbursed promptly. It was a very pleasant surprise.

We have used Aardy an on-line travel insurance broker. ( https://www.aardy.com/ ) They provide quotes from multiple companies and with different levels of coverage. This year I found when comparing to others their quotes were very competitive.

I use World Nomads. They provide the best value for a low cost.