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My Travel Guard is not a top-up plan - You have to cover your entire trip's length length (the date you leave home until the date you return home).

Important Information:

- You can't change your coverage dates after you leave on your trip. Your coverage dates must match the exact dates you are away from home.

- The My Travel Guard Snowbird Travel Insurance policy is a reimbursement policy (you pay for your medical treatment & prescriptions up front and are reimbursed after filing your claim). The insurance company may pay the medical claim directly, but it's on a case-by-case basis.

- The My Travel Guard plan has a 180 pre-existing conditions Lookback Period.

** You can waive the pre-existing conditions if you this plan no later than 14 days after your initial trip depost date **

- Want more information? You can email us here

Your Snowbird Insurance Experts
Call Toll Free: 1-888-407-3854 or 507-214-3854 (US & Canada). Mon - Fri: 8 am - 9 pm; Sat, Sun & Holidays: 10am - 5pm Eastern Time

You'll want to know upfront that Travel Guard's prices are based on your age, travel dates, purchase date versus departure date, destination & other factors. For example

1 person age 73, to USA for 3 months with US $50,000 Secondary medical & $1,000,000 with "Hospital of Choice" evacuation:

Departure date is the next day = $2,008

Departure date is 2 or 3 days in the future = $1,454

Departure date is 4 - 7 days in the future = $1,254

Departure date is 8 - 13 days in the future = $728

Departure date is 15 or more days in the future = $684

This is an example - the prices will vary from person to person

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What Does Medically Stable Mean?

In order to understand what Medically Stable means, you should try to look at a claim from the travel insurance claim department's perspective. Travel insurance covers cancellation, interruption and medical treatment for unexpected illnesses and injuries. The question is "What constitutes an unexpected illness or injury? This is where the concept of Medically Stable / Medically Fit comes in the discussion. Also, if what we are saying doesn't completely make sense, I'll need you to forgive us in advance.

Medically Stable includes the idea that nothing is foreseen or expected to "be a turn for the worse". In other words, if you're given a week to live (yet medically able to travel) and you want to buy travel insurance for a cruise next month, you can't cover the Pre-Existing Condition. It's like wanting to buy Fire Insurance when your house is on fire.

You also will not be covered if the purpose of the trip is to obtain medical treatment. This is an exclusion with all travel insurance plans. Go here to learn more about exclusions.

Travel Guard says"The Insured must be medically able to travel when he/she pays his/her premium." For example, Travelex says "Medically Fit implies assessment by a physician who advises that there is no medical condition/illness that would likely interfere with upcoming covered travel plans." You cannot get any clearer than that.

A cynic might say, "Any insurance company will always turn down any claim". I can't speak for all insurance companies, but the travel insurance companies we offer all have claim departments staffed by people. You are not dealing with a computer-based algorithm. You are working with real human beings who have a heart and want to help you.

As you look and call around, you will find a wide range of advice & opinions as to what exactly it means to be Medically Stable. In order to better explain this, there are a few concepts that are good for you to understand

1) Adverse Selection - This is the tendency of higher risk persons or groups to seek coverage more than less risky persons or groups. Doesn't it make sense that you're more likely to buy travel insurance if you think you'll have a claim?
2) Foreseen or expected to "be a turn for the worse" - If you're given a week to live and you want to buy travel insurance for a cruise next month, you can't cover the Pre-Existing Condition. It's like wanting to buy Fire Insurance when your house is on fire.
3) Medically Able To Travel - You have to be able to travel on the day you get your travel insurance. Don't call us to order a policy if you're being treated now, and can't currently travel, yet your doctor says you'll be able to travel later. You will not be covered at all. This includes calling us from your hospital bed.

Travel insurance providers' Medically Stable rules apply to the Covered Person's medical condition on the day they get their travel insurance. If you are one of the travelers, you must be "medically able to travel when you pay your premium (get your travel insurance)". In other words, your doctor says you can travel. If your doctor's saying you can't travel, but you insist you can travel, the insurance company will always side with your doctor.

Travel Guard "The Insured must be medically able to travel when he/she pays his/her premium."

Click here to download or read the Certificate of Coverage

Click here to go directly to Travel Guard's Cruise, Tour & Travel online quote and purchase page

Contact SnowBirdInsurance.com

SnowbirdInsurance.com - a division of TripInsuranceStore.com
PO Box 466
Owatonna, MN 55060
Toll free (US & Canada): 1-888-407-3854
Local: 507-214-3854

Office hours: (Eastern Time Zone)
Mon - Fri: 8 am - 9 pm
Sat, Sun & Holidays: 10am - 5pm Eastern Time

Email us here

Have Questions? or Ready to Buy? Call Steve, Deanna, Becky, Teresa or Mary toll free at 1-888-407-3854 (US & Canada) or 507-214-3854.