Travelex vs Travel Guard travel insurance
Plans compared: Travelex Ultimate (UZ-1224) vs Deluxe (product 643403)Plan documents checked: November 12, 2026
Short answer
As of November 12, 2026, from Select Your Cover's read of both plan documents:
Travelex comes out ahead on more of the points we compared (4 of 9), but the right plan depends on your trip. Travelex is stronger on time to add cancel for any reason, cancel for any reason payout, pre-existing conditions waiver, emergency medical; Travel Guard on baggage loss, cancel for work reasons.
Head to head
Time to add cancel for any reason
Travelex
Travelex gives you 21 days from your first trip payment, vs 15 days
Cancel for any reason payout
Travelex
Travelex: pays back up to 75% vs 50%
Pre-existing conditions waiver
Travelex
Travelex gives you 21 days, vs 15 days
Emergency medical
Travelex
Travelex: up to $250,000 vs $150,000
Medical evacuation
No clear edge
Both: $1,000,000
Primary medical cover
No clear edge
Both say medical is primary
Trip delay starts after
No clear edge
Not compared: Travel Guard's plan page and plan document say different things. Open the wording below.
Baggage loss
Travel Guard
Travel Guard: up to $2,500 vs $2,000
Cancel for work reasons
Travel Guard
Travel Guard also covers being required to work during the trip
Side by side, for your trip
Pick what matters to you and see which of the two fits. Tap any value to read the exact policy wording.
Travelex
Travelex Ultimate (UZ-1224)
Travel Guard
Deluxe (product 643403)
Cancel for any reason pays back
Lets you cancel for a reason the policy doesn't list. You get part of your trip cost back.
Time to add cancel for any reason
To add cancel for any reason, you must buy within this window.
Time to get the pre-existing waiver
Buy within this window and a condition you already have can be covered.
Emergency medical
Doctor and hospital bills if you get sick or hurt on the trip.
Medical evacuation
Getting you to a hospital that can treat you, or home.
Medical pays first or second
Primary pays first. Secondary waits for your own health insurance.
Trip cancellation
Your prepaid, nonrefundable costs if you cancel for a covered reason.
Trip delay
Meals and a hotel when your trip is held up this long.
Not ranked: Travel Guard, where the plan page and the plan document differ.
Baggage loss
Lost, stolen or damaged bags and belongings.
Cancel for work reasons
Cancelling because of your job, such as a layoff or being told to work.
Choose Travelex if…
- ✓ Travelex gives you 21 days from your first trip payment, vs 15 days
- ✓ Travelex: pays back up to 75% vs 50%
- ✓ Travelex gives you 21 days, vs 15 days
- ✓ Travelex: up to $250,000 vs $150,000
Choose Travel Guard if…
- ✓ Travel Guard: up to $2,500 vs $2,000
- ✓ Travel Guard also covers being required to work during the trip
Check the last day to buy each plan for your trip →
Common questions
Is Travelex better than Travel Guard for travel insurance?
Travelex comes out ahead on more of the points we compared (4 of 9), but the right plan depends on your trip. Travelex is stronger on time to add cancel for any reason, cancel for any reason payout, pre-existing conditions waiver, emergency medical; Travel Guard on baggage loss, cancel for work reasons.
Travelex vs Travel Guard: time to add cancel for any reason?
Travelex gives you 21 days from your first trip payment, vs 15 days.
Travelex vs Travel Guard: cancel for any reason payout?
Travelex: pays back up to 75% vs 50%.
Travelex vs Travel Guard: pre-existing conditions waiver?
Travelex gives you 21 days, vs 15 days.
Travelex vs Travel Guard: emergency medical?
Travelex: up to $250,000 vs $150,000.
Travelex vs Travel Guard: medical evacuation?
Both: $1,000,000.
Travelex vs Travel Guard: primary medical cover?
Both say medical is primary.
Travelex vs Travel Guard: trip delay starts after?
Not compared: Travel Guard's plan page and plan document say different things. Open the wording below..
Travelex vs Travel Guard: baggage loss?
Travel Guard: up to $2,500 vs $2,000.
Travelex vs Travel Guard: cancel for work reasons?
Travel Guard also covers being required to work during the trip.
More travel comparisons
Compare other cover
Compares plan documents downloaded on 2026-11-12. Terms vary by state, and prices depend on your trip. Not insurance advice, and we are not an insurance agent.