Travel Guard insurance was included with a travel package I purchased. My flight was delayed causing me to miss a foreign connection until the next day. I filed for compensation with Travel Guard on return from my trip. Three months later I got a call saying my claim was invalid because the airline was at fault. They said that I could write a letter and include receipts and I may still have a claim. I already had to get documentation from several places including the airline and didn't feel that I needed to jump thru more hoops. I think that this is their plan to wear you down and give up. I will never do business with this company again.
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