Traveling should be one of the most exciting and enjoyable aspects of life, but it can quickly turn into one of the worst experiences you’ve ever had if something goes wrong. For example, if your passport gets stolen at the airport or you lose your luggage, your vacation could be ruined!
Before heading on your next big trip, consider reading leisure guard travel insurance reviews to find out which policies are worth purchasing and which ones don’t live up to their promises. You can also compare insurance prices online before deciding on which company will best serve your needs.
Key Benefits
Since there are so many travel insurance companies on the market, it can be difficult to know which one is right for you. Leisure Guard offers a variety of different plans that vary in price and coverage.
One of their best aspects is the ease of access they offer, as they have 24/7 customer service available to answer any questions.
They also don’t charge extra for call-outs or evacuations. On the downside, this company does not offer pre-existing conditions and only covers 50% if an injury was self-inflicted. Another drawback is the lack of international health care coverage for those traveling abroad.
Lastly, Leisure Guard’s claim limit for items stolen from your hotel room is $250 per item, with a maximum claim limit of $2,500 per person. While these numbers seem low, the simplicity of using this company’s plan may outweigh some limitations.
For example, once you file your claim online, Leisure Guard will typically process it within 48 hours without needing additional verification. If someone is looking for a simple plan without much outlay and minimal hassle in terms of claims processing time, this would be a great option.
This company has excellent customer service and fast turnaround times; however, coverage for pre-existing conditions is limited.
Additionally, for travelers going abroad, international healthcare coverage is not included in the package.
What it Covers
Many people are unclear about what travel insurance is. It’s a way for you to help protect yourself in the event of any medical emergency or another incident that might occur while you are traveling.
Without it, you could be responsible for all costs related to a medical emergency or another incident up to the limits of the policy, which is typically $1 million. Leisure Guard is one of many reputable travel insurance providers that offer excellent coverage at an affordable price.
One downside is that their deductible is rather high, but most users have found this to be worth it because of their excellent customer service and ease of use. If you need more than $1 million in coverage then it’s recommended that you look into another company because Leisure Guard only offers up to $1 million per claim.
For example, if you’re going on a trip where your destination requires vaccinations and those vaccinations cost $2,000 and the destination requires certain shots to get past customs then these two incidents would equal $4,000 in covered expenses. You would reach your limit after those two incidents with Leisure Guard.
The best part of Leisure Guard is their customer service– they always answer phone calls within seconds and they can even schedule times when they will call you back as well as respond quickly to emails!
How much does it cost?
The best leisure guard travel insurance reviews should be able to offer you the best coverage for the lowest price. However, many leisure guard travel insurance reviews may not offer you everything that you are looking for.
For example, some leisure guard travel insurance reviews will only cover emergency medical expenses up to a certain amount. If your trip is outside of the United States, then it is highly recommended that you purchase an international plan to cover all potential costs.
Remember, if you need medical attention while abroad, the costs can exceed $100 per day. Therefore, make sure to do your research before purchasing a leisure guard travel insurance review so that you can save money on any unforeseen emergencies!
The company will ask you about your health condition and where you’re going so that they can tailor the policy to fit your needs. Make sure to buy your leisure guard travel insurance reviews at least two weeks before your departure date.
If something were to happen during this period, the company would refuse to pay because they would not have enough time to review information about you before paying out any claims.
Is it worthwhile?
It’s a very good idea to purchase travel insurance when you’re going on vacation. It can protect you from the unexpected, such as injury or theft.
There are two common types of travel insurance: Cancel for Any Reason and Cancel for Non-Medical Reasons. Cancel for Any Reason policies are more expensive but offer better protection.
Cancel for Non-Medical Reasons policies are less expensive, but they only offer protection if you cancel because of an unforeseen circumstance like a natural disaster or political unrest.
They do not provide coverage for injuries, so it’s important to take that into account before purchasing one of these policies. Make sure you read your policy thoroughly before buying it.
You want to make sure you’re getting the most protection for your money. In some cases, it may be cheaper to just pay out of pocket for medical treatment rather than use your travel insurance.
Canceling for Non-Medical reasons will always have a higher premium than canceling for any reason. So, make sure you know what you’re signing up for when considering which type of policy is best for you.
You should also consider whether or not you’ll be able to get treatment without using your insurance. And, lastly, if you’re looking at policies with different levels of protection (such as Cancel for Any Reason), make sure that the plan you choose is worth its cost.
Who should get it?
If you’re looking for leisure guard travel insurance reviews then we’ve got you covered. Find out who offers the best travel insurance for your needs, and find out what to do if your luggage is lost on a trip.
Leisure guard is great for those of us that like to have a lot of vacation time and like to take lots of trips. With their coverage, you’ll be able to enjoy all the benefits of being insured without worrying about any high premiums or deductibles.
We found that an estimated 1 in 3 travelers doesn’t purchase travel insurance before leaving on their trip. What’s worse? An estimated 20% of travelers never see their luggage again after it’s been checked in by an airline employee at check-in!
That’s why it pays to get a travel insurance policy with a higher limit than just $500 worth of clothes, jewelry, electronics, and other items that may not be replaceable when they are lost. It could cost you more than double the price per day on average to buy these items abroad.
Remember, once you leave the country with your suitcases, there might not be any way to get them back home.
The last thing you want is to come back from your dream vacation only to find out that everything you brought isn’t waiting for you at home… And how will you pay for those expensive replacements?
Make sure that your traveler’s package includes baggage protection and emergency medical assistance so as many of these risks as possible can be mitigated.
Who shouldn’t get it?
If you don’t have a lot of travel planned then this is not the best option for you. If you are someone who travels a lot for work or as a hobby, then this would be the perfect insurance plan for you. You can purchase it in one-year or three-year increments to meet your needs.
They also offer different levels of coverage so that you can choose the level that meets your needs. I’ve used Leisure Guard for two years now and haven’t had any issues with them yet.
Their customer service was quick to help me when I had a claim submitted and they were always available to talk on the phone which made me feel really good about using them again. It’s not very often you find customer service these days where someone will answer the phone.
My final thoughts on this company are that they did what they said and helped me out in an emergency when no other company could assist.
I never expected them to call me back because my policy expired but they did and it made me feel like a valued customer. The staff member told me that I could extend my policy before anything happened and if something ever happened during my trip, they would help get me home right away!
Wrapping Up
In the end, Leisure Guard is not a bad travel insurance company. They are one of the best. But they have their weaknesses, which is why I would recommend taking a look at World Nomads before signing up with them.
It might save you some money in the long run. So even though Leisure Guard isn’t the worst travel insurance company, it’s probably worth your time to check out some other companies before committing to anything. I hope this was helpful!
