What if a single decision could protect your prepaid bookings and give you real help when plans go sideways?
Vanguard travel insurance plans are offered through Travel Guard and underwritten by National Union Fire Insurance Company of Pittsburgh, Pa. This coverage applies only during the covered trip and is available to U.S. state and DC residents.
These plans pair financial protection for nonrefundable costs with access to assistance services while away from home. Policy terms include reductions, exclusions, and limits, so reviewing documents matters.
If you want a clear quote and plan comparison, learn how Travel Guard administers policies, provides service, and calculates pricing based on your trip details.
Key Takeaways
- Protect your trip today with comprehensive travel insurance coverage
- vanguard travel insurance
- Plans and coverages tailored to your trip
- Get a quote: fast, accurate pricing for your travel insurance plan
- Traveler resources, services, and claims support
- Important information and eligibility for U.S. residents
- Conclusion
- FAQ
- Plans are provided by Travel Guard and underwritten by National Union Fire Insurance Company.
- Coverage only applies during the covered trip and may not be available in all states.
- Policies protect prepaid nonrefundable costs and offer assistance services while away.
- Quotes depend on trip details; accurate information leads to better pricing.
- Review policy limitations and exclusions before purchase to confirm fit.
Protect your trip today with comprehensive travel insurance coverage
Secure your trip investment with coverage that reimburses eligible losses and connects you to round-the-clock assistance services when plans change.
Coverage designed for modern travelers supports interruptions, delays, and other qualifying events so you can keep moving or recover costs.
Prioritize safety with access to practical resources while you are away. Assistance services coordinate logistics, help rebook arrangements, and guide you through requirements during disruptions.
“A reliable plan reduces stress and helps you recover when the unexpected happens.”
- Choose the right plan: options fit different budgets and trip types so you pay only for the benefits you need.
- Key timing tips: buy soon after your first payment, disclose accurate trip costs, and add all travelers to your policy.
- Know the limits: coverage applies only during the covered trip and may not be available in all states.
vanguard travel insurance
Two distinct policy families support trips abroad with focused accident protections and on-demand assistance.
What Vanguard CICL and Vanguard Safe Travel policies cover for trips abroad
CICL and Safe Travel are built to respond to injury from accidents and to help coordinate care and logistics while overseas.
Each policy outlines limits, exclusions, and required terms. Coverage applies only during the covered trip and may include medical benefits and assistance services administered by travel guard.
Who it’s for: leisure vacations, business travelers, and multi-city trips
These policies suit leisure travelers with prepaid, nonrefundable costs, business travelers on tight schedules, and anyone on multi-stop itineraries.
Business trips can benefit from assistance that helps reschedule meetings or arrange medical care quickly. Vacations gain value when deposits and bookings need protection.
U.S. availability and important policy limitations to know now
Coverage is available to residents of U.S. states and the District of Columbia only and may not be offered in all states.
Review the policy document for reductions, limitations, exclusions, and termination provisions before purchase.
“Assistance services are provided by Travel Guard; the policy is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., NAIC No. 19445.”
- Compare CICL vs. Safe Travel for accident-focused benefits and assistance.
- Confirm trip dates and traveler details to ensure coverage during the covered trip.
- Read the policy to understand exclusions and limits before you buy.
Plans and coverages tailored to your trip
Not all trips require the same level of protection — pick a plan that fits how you book and how you travel.
Essential Plan: core protections for standard trips and budgets
Start with the Essential Plan if you want core protections for standard itineraries and budgets. It covers basic losses and emergency assistance without extra bells and whistles.
Preferred Plan: balanced benefits for most travelers
The Preferred Plan offers a mid-range set of benefits. It suits business or leisure travelers who want more coverages at a reasonable price.
Deluxe Plan: comprehensive travel insurance for premium coverage needs
Choose the Deluxe Plan for premium protection and higher limits. This option is best when reservations are costly or your trip is complex.
How CICL vs. Safe Travel fits leisure and business scenarios
CICL aligns with streamlined, accident-focused needs. Safe Travel pairs broader assistance services from Travel Guard with more extensive support for leisure and business trips.
| Plan Tier | Best For | Key Benefits | Typical Use |
|---|---|---|---|
| Essential Plan | Budget, single-destination | Basic trip protection, emergency assistance | Standard vacations, short stays |
| Preferred Plan | Most travelers | Broader limits, added conveniences | Business trips, multi-city plans |
| Deluxe Plan | Complex or costly trips | Higher limits, comprehensive travel benefits | Longer or premium itineraries |
“Compare coverages across tiers so benefit limits and services match your needs.”
Get a quote: fast, accurate pricing for your travel insurance plan
Find an accurate price estimate in minutes by sharing a few key trip details.
Get quote options are available online or by phone at 800-826-5248. Provide total trip cost, destinations, traveler ages, and trip duration to receive a personalized quote that reflects the period the plan applies to.
What affects your quote
Four main factors drive pricing: total trip cost, destination, traveler age, and length of the trip.
Accurate payment dates and amounts ensure the quote covers the actual covered trip period.
How to get your quote online or by phone
Use the online form for an instant estimate or call Travel Guard at 800-826-5248 for help. Save your quote to compare options later.
- Compare multiple quotes to see how benefit levels and coverages affect price.
- Review state availability; coverage applies to residents of U.S. states and DC only and may not be offered in all states.
- Call with any questions to clarify eligibility, plan language, or scenario specifics before purchase.
| Request Method | Speed | Best For |
|---|---|---|
| Online form | Minutes | Quick comparison and saved quote |
| Phone (800-826-5248) | Minutes with agent | Questions or complex itineraries |
| Email follow-up | Hours | Documentation and formal quote records |
“Provide precise trip details up front to make sure your quote matches the protection you need.”
This plan applies during the covered trip and is offered by Travel Guard Group, Inc. Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., NAIC No. 19445.
Traveler resources, services, and claims support
Self-service portals put policy documents, payments, and claim tracking within reach of any device. Use the online dashboard to view your policy, request changes, or make a payment from a desktop, tablet, or smartphone.
Need to start or check a claim? Begin a claim or follow its progress from your mobile device. Travel Guard provides assistance services that help with documentation, emergency contacts, and logistics while you are away.
Visit the Education Center for clear travel tips, coverage explanations, and policy guidance. The center translates complex terms into plain English so you know what to expect before you file a claim.
- Manage your plan anywhere—access policy documents, make payments, and request changes online.
- Start or check on a claim from any device to streamline documentation and communication.
- Use the Education Center for travel tips, coverage help, and policy guidance that simplifies decisions.
- Get practical tips for organizing receipts and timelines to speed up claim processing.
| Tool | What it does | Best use |
|---|---|---|
| Policy Dashboard | View documents, benefit summaries, and coverage dates | Quick reference during the covered trip |
| Claim Portal | Start, upload receipts, and track status | File claims from any device without delays |
| Education Center | Plain-English guides, travel tips, and policy explanations | Learn how coverage responds to common disruptions |
“Use online resources to keep your plan aligned with itinerary changes and deadlines.”
For deeper reading on service options and how claims work, see the complete guide.
Important information and eligibility for U.S. residents
State rules and exact dates matter. State availability and residency determine whether this plan can protect your trip. Confirm your state is eligible before you apply.
Coverage available in U.S. states and DC; may not be available in all states
Coverage is offered to residents of U.S. states and the District of Columbia only. It may not be available in every state. Check state disclosures and notices when you buy.
Policy terms, exclusions, limits, and underwriter disclosure
The policy applies only during the covered trip. That means dates, destinations, and traveler names must match your documents to qualify for benefits.
- Confirm eligibility: verify state-specific availability before purchase.
- Read the policy: expect reductions, limitations, exclusions, and termination provisions.
- Compare options: similar coverages may exist elsewhere with different terms.
- Get clarity: contact Travel Guard for questions and keep policy documents handy while away.
“Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., NAIC No. 19445. Travel Guard Group, Inc. provides assistance services and holds required licensing.”
Conclusion
Lock in the right plan to protect prepaid costs and get timely help if your trip changes.
Choose a travel insurance plan that matches your itinerary and budget, then get quote options online or by phone to compare benefits and price.
For frequent business trips or multi-stop vacations, consider more comprehensive travel insurance with higher limits and extra assistance services. Coverage applies only during the covered trip and must match your final dates and traveler list.
Need help deciding? Call Travel Guard at 800-826-5248 to compare policies and get quote-backed answers before you buy. Coverage is available to residents of U.S. states and DC and may not be available in all states.
Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., NAIC No. 19445. Use the Education Center for tips on documents, claims, and how to access service while away.
FAQ
What do Vanguard CICL and Safe Travel policies cover for trips abroad?
Both plans provide trip cancellation and interruption benefits, emergency medical and evacuation coverage, baggage loss and delay protection, and 24/7 assistance services. CICL focuses on travel-related liabilities and interruptions, while Safe Travel emphasizes medical and evacuation support for international trips.
Who should consider these plans?
These policies suit leisure vacationers, frequent business travelers, and people taking multi-city itineraries. They work well for families, solo travelers, and small groups who want financial protection against unexpected trip disruptions and medical emergencies.
Are these policies available to U.S. residents?
Coverage is offered in most U.S. states and the District of Columbia, but availability varies by state. Review policy documents and state disclosures to confirm eligibility before purchasing.
What is included in the Essential Plan?
The Essential Plan delivers core protections: trip cancellation/interruption, baggage delay, and limited emergency medical benefits. It’s designed for budget-conscious travelers who need basic financial safeguards.
How does the Preferred Plan differ from the Essential Plan?
The Preferred option adds higher limits for medical expenses, better baggage protection, and increased trip delay coverage. It balances cost and benefits for most travelers who want broader protection without premium pricing.
What extra benefits come with the Deluxe Plan?
The Deluxe Plan provides maximum limits across medical, evacuation, and cancellation coverages, plus enhanced baggage and concierge services. It targets travelers seeking premium protection for costly or complex trips.
How do CICL and Safe Travel compare for leisure versus business travel?
CICL suits travelers concerned about trip interruption and liability issues during multi-stop or leisure vacations. Safe Travel is better for business travelers who prioritize emergency medical support and evacuation during international assignments.
What factors affect my quote?
Pricing depends on trip cost, destination, traveler age, trip duration, and selected plan level. Add-ons like higher medical limits or cancel-for-any-reason options will also raise the price.
How can I get a fast, accurate quote?
Use the online quote tool for instant pricing, or call customer service at 800-826-5248 to get help from a representative. Have your trip details, traveler ages, and total trip cost ready for the most accurate estimate.
How do I access policy documents and manage my plan?
Policyholders can log into the online portal to view documents, make payments, request policy changes, and download ID cards. The portal supports secure access from desktop and mobile devices.
How do I start or check on a claim?
Begin a claim through the claims center on the website or call the claims hotline. You can upload receipts, medical records, and travel documents online and track claim status from any device.
What resources are available to learn about coverages and travel safety?
The Education Center offers articles on packing, pre-trip planning, safety tips, and detailed coverage guides. It helps travelers understand policy limits, exclusions, and proper documentation for claims.
Are there important policy limitations and exclusions I should know?
Yes. Standard exclusions include pre-existing medical condition clauses, certain high-risk activities, and losses caused by declared acts of war. Review the policy terms, limits, and exclusion list before purchasing.
Who underwrites these plans and where can I see the disclosures?
Policies are underwritten by licensed insurers; specific carrier details and state-specific disclosures appear in the policy documents. Check the underwriter disclosure section for licensing and regulatory information.
Can I buy protection for business travel or company trips?
Yes. Plans accommodate business travelers and corporate itineraries. Options include coverage for lost business equipment, trip interruptions, and emergency medical care during work travel, depending on the plan chosen.