Available Policies

Guardian Insurance Services offers a range of products to meet your protection needs. Plans may include valuable medical coverage, trip interruption, coverage for theft of baggage and personal effects, accident coverage, emergency travel and health services and more. Our travel insurance plans include backpackers insurance, expatriate insurance, luggage insurance, missionary health insurance, skiing travel insurance and more.

Accidental Rental Damage Insurance

The Accidental Damage Protection covers you from accidental and pet damages to the property and its contents within the unit for the duration of the rental period -- subject to the policy terms and conditions of rental. This policy covers up to $1500, $3000, $5000 or $10,000, depending on the policy purchased. For a full description of the plan, please refer to the Description of Coverage

•  $25 - Up to $500.00 Coverage
•  $45 - Up to $1500.00 Coverage
•  $69 - Up to $3000.00 Coverage
• $175 - Up to $5000.00 Coverage
• $350 - Up to $10000.00 Coverage

All Season Travel Protection

All Season Travel Protection reimburses you for pre-paid non-refundable travel expenses if an unexpected crises (e.g., death of a family member, sickness, airline strike, travel supplier bankruptcy, among other crises) occurs before or during your trip causing it to be canceled, interrupted or delayed. For a full description of the plan, please refer to the Description of Coverage.

All Season Travel Protection provides reimbursement for:

• Trip Cancellation & Interruption
• Trip Delay
• Baggage & Personal Effects Loss
• Baggage Delay
• Missed Connection
• Travel Medical Assistance
• Medical Expenses
• Emergency Medical Evacuation
• Accidental Death and Dismemberment
• Repatriation of Bodily Remains
• 24-Hour Travel Assistance Services

View Sample Description of Coverage

Business Traveler Plan

The following coverages and services are available with Business Traveler annual insurance plan. Insurance coverage subject to limitations, exclusions and terms and conditions of policy.

Available Coverage Options:

Plan Cost Per Person: $259
$2,500 Optional Trip Cancellation: $99
$5,000 Optional Trip Cancellation: $199

Business Traveler Plans provides reimbursement for:

• $2,500: Trip Interruption - Return Air Only
• $1,500: Trip Delay
  
• $500: Missed Connection
  
• $2,500: Baggage & Personal Effects Loss
  
• $1,000: Baggage Delay
  
• $50,000: Medical Expense
  
• $500,000: Emergency Evacuation & Repatriation of Remains
• $100,000: Security Evacuation
• $25,000: Accidental Death & Dismemberment
• 24/7 WORLDWIDE ASSISTANCE SERVICES
• Travel Medical Assistance
• Worldwide Travel Assistance
• Concierge Services
• Personal Security Assistance
• Identity Theft Assistance
• Business Assistant
• Optional Trip Cancellation:
  

View Sample Description of Coverage

Condo Maintenance & Exchange Fee Protection Plan

The Condo Maintenance & Exchange Fee Protection Plan can help your owners overcome the financial set-back and frustration that a missed vacation can cause, while helping them remain confident about their condo/timeshare investment. For an affordable cost, owners can purchase trip cancellation/interruption coverage up to $2,000. If the unexpected should occur, your owners' maintenance and exchange fees can be covered.

•  $59.00 - Up to $1000.00 Coverage
•  $89.00 - Up to $1500.00 Coverage

• Trip Cancellation & Interruption
• 24-Hour Travel Assistance Services
• Baggage Loss
• Worldwide Travel Emergency Assistance
• Emergency Medical Expenses
• Emergency Medical Transportation

Travel Protection Plan

The Travel Protection Plan covers your trip investment if you must cancel or interrupt your trip due to covered reasons such as sickness, injury or death of you, your traveling companion or a family member; inclement weather; required to serve jury duty; strike; involved in or delayed by a traffic accident en route to your departure.