Travel Guard

This company has like 244 BBB complaints filed against it. They have a 15 day refund policy. They say they take a deposit and you can pay the rest before you depart — wish I had done that because I paid in full and we had to cancel our trip for June 2015. They are keeping all $ 380.

I paid $ 69 to cover my $ 1207 air ticket r/​t to Uzbekistan to visit a friend.
Just 2 days before the trip, I caught a bad cold. I did not want to infect my host family and deal with jet lag on top of it.
Lucky for me that I had Travel Guard Trip Insurance via World Nomads!
NOT! I printed out the claim form and went to see my doctor, to document my claim; I was advised by my doctor to cancel the trip.
My doctor signed and dated my claim form, and I sent it in, along with 2 years medical history (!).
I got better and rebooked my flight, and it was another $ 1207 plus an $ 83 penalty fee.
When I got back, I started getting the run around. Instead of focusing on my $ 1207 claim, they initially denied me my $ 83 penalty fee because I did not meet their policy requirements. Then for unexplained reasons, they sent me a check for $ 83. I wasn’t concerned about the $ 83, I wanted to get back my $ 1207!!!
I complained 3 times with them and each time, they responded that they were still reviewing it. Finally, I wrote that if they did NOT give me a determination by August 15^th, I would file a complaint with the Californa Dept. of Insurance.
Tonight, August 11^th, they left me a voice mail message, denying me the claim because it did not meet their policy requirements!
People, listen up! Read all the negative reviews about Travel Guard!
The test comes when you make a claim. If you get sick and have to cancel before your trip, they will deny your claim like they did to me.
There was nothing complicated about my claim. I got sick, had to cancel, went to my doctor to document it as required by Travel Guard, and was denied! Pure and simple.
Travel Guard/​World Nomads is a rip off company. Avoid them!!!

I paid $ 254 for insurance on a ~3k trip. Because of some kind of mistake and I bought a tkt for December 21^st instead of October 21^st. I tried to correct the mistake as soon as I got the confirmation, within minutes of. Well, Travel Guard’s policy rules certainly didn’t cover THAT. I would have had to pay hundreds of dollars in fees if I hadn’t been able to simply deny payment with my credit card company.

I bought travel insurance for a cruise. My husband had emergency back surgery and we needed to cancel the cruise.
Travel Guard, the insurance company, refused to refund the money $ 6800. They said it was a pre existing condition. The surgeon wrote to them and said it was not.
Travel Guard still did not refund our money.
Our insurance policy was worthless.
Do not buy a policy from Travel Guard. They do not pay on their claims.