Travel Guard Dont buy this insurance they pay NOTHING and decline to tell you that until you have spent 3 months collecting the information that they request in order to complete your claim A total waste of $200 stevens point, Wisconsin

When purchasing this insurance you are led to beleive that they will reimburse you for travel interruptions, lost bagge etc.  Unless you go out and spend money you are not reimbursed for anything at all.  Missing flights due to the airlines mistakes and losing time on vacation are not covered, nor is the loss of your luggage.  You are only reimbursed if you actually spend money so this is not a true insurance policy.  We lost a day in Paris, had no luggage for 3 days and spent 8 hours in a Boston airport and only recieved $40.00 in compensation after paying $197.00 for coverage. 

Do not buy this policy.  I would research all other policys and see in depth what the coverage really means.