Trip Insurance by Travel Guard
Deer Valley Trip Insurance
Adults & Children
Q. How does trip cancellation and interruption coverage apply?
A. They reimburse for forfeited, non-refundable, unused payments or deposits if the insured must cancel or interrupt their trip due to covered reasons. The interruption benefit may also include coverage for additional transportation expenses.
Q. If I use frequent flyer miles to purchase a ticket, do I include the regular cost of the ticket as part of my trip cost?
A. Frequent flyer miles are typically not covered as the traveler is not actually paying cash for the ticket. Travel insurance provides reimbursement for covered travel expense losses incurred by the insured provided they are due to a covered reason under the plan purchased. This would include any prepaid non-refundable taxes, administrative fees and any fees that can be paid to re-bank the points or miles if the trip is cancelled.
Q. Does the Baggage and Personal Effects coverage include all items I may take with me while traveling?
A. No, there are some items that are not included such as prosthetic devices, false teeth, any type of eyeglasses, sunglasses, contact lenses or hearing aids, tickets, currency, etc.
Q. What if I want a refund of the plan cost?
A. Travel Guard is committed to providing products and services that exceed your expectations. If you are not completely satisfied, you can receive a refund. Requests must be submitted to Travel Guard in writing within 15 days of the purchase of your coverage, providing it is not past your original departure date.
Q. Are there any countries that do not accept Car Rental Collision Coverage?
A. Yes, Jamaica, Mexico, Ireland and Costa Rica.
Q. Do travel insurance plans include trip cancellation or interruption coverage due to terrorism?
A. Yes. Deluxe includes coverage due to terrorist incidents both within the United States and abroad. Please refer to the Policy of Insurance for additional details.
Q. What is a pre-existing medical condition?
A. A pre-existing condition is one that was first diagnosed, had a change in diagnosis, or required a change in medication during a certain time period immediately preceding and including the effective date of the travel insurance coverage. For Deluxe, the time period is 90 days.
Q. What is the length of travel we can insure?
A. You can insure round trips up to 364 days from departure date to return date.
Q. How do I determine the individual trip cost for each person in my party that is purchasing insurance?
A. If your itinerary breaks down the total trip cost on a per person basis, use the trip cost for each individual traveler. If your itinerary shows only one total sum for all travelers, the cost should be divided equally among the number of travelers.
Q. What is the deposit date or initial payment date?
A. The deposit or initial payment date is the day on which you made your first payment toward your trip. (i.e. airline tickets, hotel, cruise, tour etc.)
All Trip
| You are traveling with simple coverages This is a brief insurance summary - restrictions apply. Up to 100% Trip Cost | Trip Cancellation: Reimburses forfeited, non-refundable, unused payments or deposits up to the Maximum Limit shown on the Schedule of Benefits for Trips that are canceled prior to the scheduled departure date. Up to 100% Trip Cost | Trip Interruption*: Reimburses forfeited, non-refundable, unused payments or deposits up to the Maximum Limit shown on the Schedule of Benefits for Trips that are interrupted on or after the scheduled departure date. Up to $500 | Trip Interruption - Return Transportation Only*:… read more This is a brief insurance summary - restrictions apply. Up to 100% Trip Cost | Trip Cancellation: Reimburses forfeited, non-refundable, unused payments or deposits up to the Maximum Limit shown on the Schedule of Benefits for Trips that are canceled prior to the scheduled departure date. Up to 100% Trip Cost | Trip Interruption*: Reimburses forfeited, non-refundable, unused payments or deposits up to the Maximum Limit shown on the Schedule of Benefits for Trips that are interrupted on or after the scheduled departure date. Up to $500 | Trip Interruption - Return Transportation Only*: Reimburses the additional transportation expenses incurred by you to reach the return destination for trip interruptions. Up to 100% Trip Cost | Single Occupancy: Reimburses up to the Maximum Limit shown on the Schedule of Benefits for the additional costs charged by the Travel Supplier as a result of a change in the per-person occupancy rate, if a Traveling Companion cancels for a covered reason and you still go on the Trip. Up to $500 | Trip Delay: Reimburses up to $100 per day/per person up to the Maximum Limit shown on the Schedule of Benefits for reasonable additional expenses if the insured is delayed for more than 12 consecutive hours due to a covered reason. Up to $750 | Baggage Coverage: Can reimburse you if your baggage or personal effects are lost, stolen or damaged while on your Trip, subject to the Maximum Limit. Up to $200 | Baggage Delay: Reimburses for the purchase of essential items if Baggage is delayed or misdirected for more than 24 hours. Up to $15,000 | Travel Medical Expense: Pays up to the Maximum Limit shown on the Schedule of Benefits for necessary medical expenses incurred due to Injury or Sickness which occurred while on an overnight Trip with a Destination of at least 100 miles from home. Up to $150,000 | Emergency Evacuation and Repatriation of Remains: Covers evacuation and transportation as directed by a Physician to the nearest adequate medical facility (home in the event of death or if medically required), as well as transportation costs to return your remains if you were to die while on the trip. Up to $30,000 | Non-flight Accidental Death & Dismemberment: Covers death and loss of limb or eyesight within 365 days of an accident, subject to the Maximum shown in the Schedule. Up to $5,000 | Ancillary Evacuation Benefits: This benefit provides additional coverage for you, your Traveling Companion and your children during an Emergency Evacuation. If hospitalized, we will cover reasonable additional expenses for your traveling companion to remain near you; or for one person to be transported to you, if traveling alone. * Coverage for Trip Interruption and Trip Interruption-Return Air Only cannot be combined.
Extra Coverages: (when coverage is purchased within 15 days of Initial Trip Payment)
Assistance Services* Included in Essential base policy Assistance Services are arranged by AIG Travel and provided through coordination, negotiation, and consultation using an extensive network of worldwide partners.
*Non-insurance services provided by Travel Guard. Extra Coverages: (when coverage is purchased within 15 days of Initial Trip Payment)
PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER The Company will waive the Pre-Existing Medical Condition exclusion if all of the following conditions are met:
If the Insured does not insure all Trip Costs, this waiver will be terminated and the Pre-Existing Medical Conditions exclusion will apply.
Optional Coverage:
The following will be included if elected and appropriate costs have been paid.
Medical Bundle
Security Bundle
read less
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| Personalize | Add bundles | Adventure sports | Pet care coverage This is a brief insurance summary - restrictions apply. Up to 100% Trip Cost | Trip Cancellation: Reimburses forfeited, non-refundable, unused payments or deposits up to the Maximum Limit shown on the Schedule of Benefits for Trips that are canceled prior to the scheduled departure date. Up to 150% Trip Cost | Trip Interruption*: Reimburses forfeited, non-refundable, unused payments or deposits up to the Maximum Limit shown on the Schedule of Benefits for Trips that are interrupted on or after the scheduled departure date. Up to 50% Trip Cost | Trip Exchange: If a covered Trip Cancellation… read more This is a brief insurance summary - restrictions apply. Up to 100% Trip Cost | Trip Cancellation: Reimburses forfeited, non-refundable, unused payments or deposits up to the Maximum Limit shown on the Schedule of Benefits for Trips that are canceled prior to the scheduled departure date. Up to 150% Trip Cost | Trip Interruption*: Reimburses forfeited, non-refundable, unused payments or deposits up to the Maximum Limit shown on the Schedule of Benefits for Trips that are interrupted on or after the scheduled departure date. Up to 50% Trip Cost | Trip Exchange: If a covered Trip Cancellation reason causes you to transfer your trip to a future date, this benefit Reimburses up to the Maximum Limit shown on the Schedule of Benefits for difference in cost between the old and new reservation, change fees, nonrefundable and nontransferable trip components and the cost paid for this policy. Up to $750 | Trip Interruption - Return Air Only*: Reimburses the additional airline transportation expenses incurred by you to reach the return destination for trip interruptions. Up to $2,500 | Trip Saver: Reimburses up to the Maximum Limit shown on the Schedule of Benefits for reasonable additional expenses if you must begin your trip sooner than the original departure date due to a covered reason. Up to 100% Trip Cost | Single Occupancy: Reimburses up to the Maximum Limit shown on the Schedule of Benefits for the additional costs charged by the Travel Supplier as a result of a change in the per-person occupancy rate, if a Traveling companion cancels for a covered reason and you still go on the Trip. Up to $800 | Trip Delay: Reimburses up to $200 per day/per person up to the Maximum Limit shown on the Schedule of Benefits for reasonable additional expenses if the insured is delayed for more than 5 consecutive hours due to a covered reason. Up to $1,000 | Missed Connection: Reimburses up to the Maximum Limit shown on the Schedule of Benefits if Inclement Weather or Common Carrier delay causes cancellation or a delay of your regularly scheduled Common Carrier transportation. This benefit does not apply if you do not leave at least 1 hour between domestic connections, or 2 hours between international connections. Up to $1,000 | Baggage Coverage: Can reimburse you if your baggage or personal effects are lost, stolen or damaged while on your Trip, subject to the Maximum Benefit. Up to $300 | Baggage Delay: Reimburses for the purchase of essential items if Baggage is delayed or misdirected for more than 12 hours. Up to $50,000 | Travel Medical Expense: Pays up to the Maximum Limit shown on the Schedule of Benefits for necessary medical expenses incurred due to Injury or Sickness which occurred while on an overnight Trip with a Destination of at least 100 miles from home. Up to $500,000 | Emergency Evacuation and Repatriation of Remains: Covers evacuation and transportation as directed by a Physician to the nearest adequate medical facility (home in the event of death or if medically required). Up to $30,000 | Non-flight Accidental Death & Dismemberment: Covers death and loss of limb or eyesight within 365 days of an accident, subject to the Maximum shown in the Schedule. Up to $750 | Travel Inconvenience: Reimburses up to $250 per benefit up to the Maximum Limit shown on the Schedule of Benefits if, while on a Trip, any of the Unforeseen events occur as listed in the Schedule. Payment will be made for up to one occurrence of each event per Trip, and the maximum payable between all events will not exceed the Inconvenience Benefit limit shown in the Schedule. Up to $5,000 | Ancillary Evacuation Benefits: This benefit provides additional coverage for you, your Traveling Companion and your children during an Emergency Evacuation. If hospitalized, we will cover reasonable additional expenses for your traveling companion to remain near you; or for one person to be transported to you, if traveling alone. * Coverage for Trip Interruption and Trip Interruption-Return Air Only cannot be combined.
Extra Coverages: (when coverage is purchased within 15 days of Initial Trip Payment)
Optional Coverage:
The following will be included if elected and appropriate costs have been paid.
Adventure Sports Bundle
Baggage Bundle
Inconvenience Bundle
Payment will be made for up to one occurrence of each event per Trip, and the maximum payablebetween all events will not exceed the Inconvenience Benefit limit shown in the Schedule. Lodging Expense Bundle
Medical Bundle
Name Your Family® Member Bundle
Pet Bundle
Security Bundle
Wedding Bundle
PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER The Company will waive the Pre-Existing Medical Condition exclusion if all of the following conditions are met:
If the Insured does not insure all Trip Costs, this waiver will be terminated and the Pre-Existing Medical Conditions exclusion will apply. Assistance Services* Assistance Services are arranged by AIG Travel and provided through coordination, negotiation, and consultation using an extensive network of worldwide partners.
*Non-insurance services provided by Travel Guard. read less
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| Highest limits | Add bundles | Adventure sports to pet care coverage. This is a brief insurance summary - restrictions apply. Up to 100% Trip Cost | Trip Cancellation: Reimburses forfeited, non-refundable, unused payments or deposits up to the Maximum Limit shown on the Schedule of Benefits for Trips that are canceled prior to the scheduled departure date. Up to 150% Trip Cost | Trip Interruption*: Reimburses forfeited, non-refundable, unused payments or deposits up to the Maximum Limit shown on the Schedule of Benefits for Trips that are interrupted on or after the scheduled departure date. Up to 50% Trip Cost | Trip Exchange: If a covered Trip Cancellation… read more This is a brief insurance summary - restrictions apply. Up to 100% Trip Cost | Trip Cancellation: Reimburses forfeited, non-refundable, unused payments or deposits up to the Maximum Limit shown on the Schedule of Benefits for Trips that are canceled prior to the scheduled departure date. Up to 150% Trip Cost | Trip Interruption*: Reimburses forfeited, non-refundable, unused payments or deposits up to the Maximum Limit shown on the Schedule of Benefits for Trips that are interrupted on or after the scheduled departure date. Up to 50% Trip Cost | Trip Exchange: If a covered Trip Cancellation reason causes you to transfer your trip to a future date, this benefit Reimburses up to the Maximum Limit shown on the Schedule of Benefits for the difference in cost between the old and new reservation, change fees, nonrefundable and nontransferable trip components and the cost paid for this policy. Up to $1,000 | Trip Interruption - Return Transportation Only*: Reimburses the additional transportation expenses incurred by you to reach the return destination for trip interruptions. Up to $2,500 | Trip Saver: Reimburses up to the Maximum Limit shown on the Schedule of Benefits for reasonable additional expenses and additional transportation costs if you must begin your trip sooner than the original departure date due to a covered reason. Up to 100% Trip Cost | Single Occupancy: Reimburses up to the Maximum Limit shown on the Schedule of Benefits for the additional costs charged by the Travel Supplier as a result of a change in the per-person occupancy rate, if a Traveling Companion cancels for a covered reason and you still go on the Trip. Up to $1,000 | Trip Delay: Reimburses up to $200 per day/per person up to the Maximum Limit shown on the Schedule of Benefits for reasonable additional expenses if the insured is delayed for more than 5 consecutive hours due to a covered reason. Up to $1,000 | Missed Connection: Reimburses up to the Maximum Limit shown on the Schedule of Benefits if Inclement Weather or Common Carrier delay causes cancellation or a delay of your regularly scheduled Common Carrier transportation. This benefit does not apply if you do not leave at least 1 hour between domestic connections, or 2 hours between international connections. Up to $2,500 | Baggage Coverage: Can reimburse you if your baggage or personal effects are lost, stolen or damaged while on your Trip, subject to the Maximum Limit. Per-item limits apply, please refer to the Policy of Insurance for details. Up to $500 | Baggage Delay: Reimburses for the purchase of essential items if your Baggage is delayed or misdirected for more than 12 hours. Up to $100,000 | Travel Medical Expense: Pays up to the Maximum Limit shown on the Schedule of Benefits for necessary medical expenses incurred due to Injury or Sickness which occurred while on an overnight Trip with a Destination of at least 100 miles from home. Up to $1,000,000 | Emergency Evacuation and Repatriation of Remains: Covers evacuation and transportation as directed by a Physician to the nearest adequate medical facility (home in the event of death or if medically required), as well as transportation costs to return your remains if you were to die while on the trip. Up to $30,000 | Non-flight Accidental Death & Dismemberment: Covers death and loss of limb or eyesight within 365 days of an accident, subject to the Maximum Limit shown in the Schedule. Up to $100,000 | Flight Guard®: Coverage for accidental death or dismemberment that occurs when traveling on a regularly scheduled flight or charter, subject to the Maximum Limit shown in the Schedule. Up to $100,000 | Security Evacuation: Reimburses up to the Maximum Limit shown on the Schedule of Benefits if you require a security evacuation due to political or military events; Natural Disaster; or if you experience a Verified Physical Assault. Up to $750 | Travel Inconvenience: Reimburses up to $250 per Unforeseen Event up to the Maximum Limit shown on the Schedule of Benefits if, while on a Trip, any of the Unforeseen events occur as listed in the Schedule. Payment will be made for up to one occurrence of each event per Trip, and the maximum payable between all events will not exceed the Inconvenience Benefit limit shown in the Schedule. Up to $5,000 | Ancillary Evacuation Benefits: This benefit provides additional coverage during an Emergency Evacuation. If hospitalized, we will cover reasonable additional expenses for your traveling companion to remain near you; or for one person to be transported to you, if traveling alone. * Coverage for Trip Interruption and Trip Interruption-Return Air Only cannot be combined. Extra Coverages: (when coverage is purchased within 15 days of Initial Trip Payment)
PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER
If the Insured does not insure all Trip Costs, this waiver will be terminated and the Pre-Existing Medical Conditions exclusion will apply.
Optional Coverage: The following will be included if elected and appropriate costs have been paid.
Adventure Sports Bundle
Lodging Expense Bundle
Pet Bundle
Wedding Bundle
Name Your Family® Member Bundle
Assistance Services* Assistance Services are arranged by AIG Travel and provided through coordination, negotiation, and consultation using an extensive network of worldwide partners.
*Non-insurance services provided by Travel Guard. read less
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| Ready for a live Quote now | Build your own -- We suggest just adding one of the others as the forms are complex. -- Use This link to leave Snow Sport Vacations web site Unfortunately, the unexpected can happen, and your custom snow vacation is likely non-refundable. You are easily protected with a policy by Travel Guard, Snow Sport Vacations' exclusive, best value, and most reliable insurance supplier. Protect your investment TODAY! Snow Sport Vacations and Travel Guard can get you protected for as little as 4% of your trip cost! Use the link below to obtain your custom quote.
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