Travel Guard vs Travel Insured: Which Travel Insurance Is Better?
Travel Guard and Travel Insured sell to the same traveler and answer the same question differently: Travel Guard puts its money into Deluxe’s $150,000 of medical and $1,000,000 of evacuation, Travel Insured into Deluxe’s $250,000 of medical and $500,000 of evacuation at a mid-range price. This page puts the plans side by side from the insurers’ own plan documents, says which one wins for each kind of trip, and shows the numbers that decide it.
The plans side by side
| Plan | Emergency medical | Evacuation | Cancel for any reason | Pre-existing waiver window | Kids free |
|---|---|---|---|---|---|
| Travel Guard Essential | $15,000 | $150,000 | No | 15 days | One per adult |
| Travel Guard Preferred | $50,000 | $500,000 | Upgrade, about 50% back | 15 days | One per adult |
| Travel Guard Deluxe | $150,000 | $1,000,000 | Upgrade, about 50% back | 15 days | One per adult |
| Travel Insured Worldwide Trip Protector Essential | $50,000 | $200,000 | No | 14 or 21 days (plan document) | No |
| Travel Insured Worldwide Trip Protector Deluxe | $250,000 | $500,000 | Upgrade, 75% back | 14 or 21 days (plan document) | Yes, 17 and under |
| Travel Insured Worldwide Trip Protector Platinum | $500,000 | $1,000,000 | Upgrade, 75% back | 14 or 21 days (plan document) | Yes, 17 and under |
Limits are per person. Read the medical column first: it is the one that separates these two companies, and it is the one that pays the bill that can pass $100,000. The Travel Guard review and the Travel Insured review go plan by plan.
Where each one wins
| The trip or the traveler | Pick | Why |
|---|---|---|
| A cruise or a trip outside the US | Travel Insured Deluxe or Platinum | $250,000 or $500,000 of medical. Travel Guard Deluxe carries $150,000; Preferred $50,000. |
| A domestic trip with children | Either | Travel Guard: one child free per adult on every plan. Travel Insured: children 17 and under free on Deluxe and Platinum. For a family of four the result is the same, and Deluxe carries more medical. |
| Cancel for any reason | Travel Insured | 75 percent on Deluxe and Platinum, with Interruption For Any Reason added. Travel Guard refunds about 50 percent. |
| A traveler with a pre-existing condition | Either, bought early | Travel Guard within 15 days of the first payment; Travel Insured within 14 or 21 days depending on the plan document. Both need the full trip cost insured. |
| A traveler over 65 or a remote destination | Travel Insured Platinum | $500,000 of medical and $1,000,000 of evacuation. |
| Price | Travel Insured, on the comparison | Priced next to the other plans when you enter the trip once. Travel Guard sells only direct. |
The numbers that decide it
Medical and evacuation. Travel Guard’s best plan, Deluxe, carries $150,000 of medical and $1,000,000 of evacuation; Travel Insured’s best plan, Worldwide Trip Protector Platinum, carries $500,000 of medical and $1,000,000 of evacuation. For a trip outside the US the floor is $100,000 of medical and $250,000 of evacuation; for a cruise, a remote trip or a traveler over 65, $250,000 and $500,000.
Cancel for any reason. Travel Guard: Cancel for any reason is an upgrade on Preferred and Deluxe, refunds about 50 percent (most of the market pays 75), must be added within 15 days of the first payment, and requires cancelling more than two days before departure. Travel Insured: Cancel for any reason is an upgrade on Deluxe and Platinum, refunds 75 percent, has to be added when you buy within the plan’s window (14 or 21 days from the initial deposit), and requires cancelling at least two days before departure; an Interruption For Any Reason upgrade at 75 percent comes with it.
Pre-existing conditions. Travel Guard: The pre-existing condition waiver applies when you buy within 15 days of the first trip payment and insure the full trip cost. Travel Insured: The pre-existing condition waiver applies when you buy within the window in the plan document (14 or 21 days from the initial deposit) and insure the full trip cost.
Children. Travel Guard: One child 17 and under is free per paying adult on all three plans; the child must be related to and traveling with that adult. Travel Insured: Children 17 and under traveling with an insured adult are free on Deluxe and Platinum.
Free look. Travel Guard: 15 days after purchase for a full refund if you have not departed or filed a claim. Travel Insured: 14 days after purchase for a full refund if you have not departed or filed a claim.
See Travel Insured priced next to the plans that beat Travel Guard
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Travel Guard sells only direct and is not on the comparison. Travel Insured is on the CoverTrip comparison, priced next to the other plans when you enter the trip once. Travel insurance is priced by the trip cost, the ages of the travelers and the trip length, and a package plan usually costs 4 to 8 percent of the trip cost, so the way to compare these two is to enter the trip once, note the price of a plan with the limits you need, and hold Travel Guard’s direct quote against it. Same price on the comparison as buying direct.
What the plans say
Travel Guard’s strengths are Deluxe’s $150,000 of medical and $1,000,000 of evacuation, one free child per adult on every plan, a large assistance operation behind it (AIG); its weak spot is a cancel for any reason refund of about 50 percent, and thin medical on Essential and Preferred for a trip abroad. Travel Insured’s strengths are Deluxe’s $250,000 of medical and $500,000 of evacuation at a mid-range price, free children on Deluxe and Platinum, Platinum’s $500,000 of medical and $1,000,000 of evacuation; its weak spot is Essential’s $200,000 of evacuation and no cancel for any reason on it, which makes it a domestic-only budget plan. Both refund 100 percent of the insured trip cost for a listed cancellation reason, both include a 24-hour assistance line, and both are underwritten by large insurers; the difference between them is the limits and the upgrade rules above, not the paper.
Questions people also ask
Is Travel Insured better than Travel Guard?
On coverage, yes: plan for plan, Travel Insured carries more medical (Deluxe $250,000 against Preferred $50,000; Platinum $500,000 against Deluxe $150,000) and its cancel for any reason refunds 75 percent against about 50. Travel Guard’s advantage is a free child per adult on every plan, including the budget one.
Which is better for a cruise, Travel Guard or Travel Insured?
Travel Insured Platinum ($500,000 of medical, $1,000,000 of evacuation) or Deluxe ($250,000 and $500,000). Travel Guard Deluxe’s $150,000 and $1,000,000 also clear the cruise floor; Preferred’s $50,000 does not.
Is Travel Guard the same as AIG?
Yes. Travel Guard is AIG’s travel insurance brand, and people search for it under both names; the plans are underwritten by AIG and Zurich companies depending on the plan.
Related: Travel Guard review · Travel Insured review · cruise travel insurance guide · family travel insurance guide · Cancel For Any Reason guide · all company reviews
Plan limits and upgrade rules on this page are from the insurers’ plan pages and policy documents for Travel Guard and Travel Insured, checked 12 September 2026, and from the CoverTrip reviews of each company. Price guidance is from the plans on the CoverTrip comparison.
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Damian TysdalDamian Tysdal is the founder of CoverTrip and a licensed travel insurance agent since 2006. He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006. About CoverTrip.