Getting travel insurance may seem stressful at first, but it is much less overwhelming when the plans are broken down into simpler terms. Plan ahead by finding the best level of coverage so you can fully relax during your vacation. Travel Guard offers you three levels of insurance at the silver, gold, and platinum levels. Here's the breakdown of each one, to help you pick the right plan for your next trip.

Find Out Which Travel Guard Insurance Plan Is Right For You

1. Silver Level

The Silver Level plan is ideal if you are on a budget and simply looking for general coverage. You can this plan if you will be staying in the U.S. or traveling for business or fun abroad. You’ll have 24/7 travel assistance services, coverage for lost, stolen, or damaged baggage, and even periodic news and weather updates. If your bags are delayed for more than a day, you can be reimbursed up to $200.

If you unfortunately have to cancel or interrupt your trip due to an injury, illness of death of a family member or traveling companion, you will be reimbursed on any unused, nonrefundable payments and deposits. Furthermore, if your trip is delayed for 12 hours or more for a covered reason, you can be reimbursed up to $100 per day. Lastly, you will be covered for up to $15,000 of medical expenses during the trip and for $150,000 towards repatriation of remains or emergency evacuation.

2. Gold Level

Are you planning a summer vacation with the kids? If so, consider the Gold Level insurance plan, which is the most common package and even covers your kids at no additional cost. If you live in New York, however, there are different guidelines for kids.

The Gold Level includes coverage for medical evacuations, medical expenses, baggage delay, weather, and lost baggage. The plan also allows you to upgrade if you want to be covered in case of you cancel your trip for any reason. The Gold Level plan also has a variety of assistance services available, such as a concierge, personal security, business, and identity theft assistance.

The Gold Level includes much higher financial coverage than the Silver Level. If you’re trip is delayed for more than five hours, you can be reimbursed up to $150 per day. If your luggage is lost, stolen, or damaged, you can get up to $1,000 back. For medical expenses incurred on the trip, you will be covered up to $25,000, which is $10,000 more than with the Silver Plan. Lastly, if you need a repatriation of remains or an emergency evacuation, you will be covered up to $500,000, instead of the Silver Plan’s $150,000 coverage.

3. Platinum Level

For the highest level of medical coverage, the Platinum Level may be the ideal plan for you. The plan covers almost everything that you could possibly think of or need and more, such as cancelling a trip after losing your job, covering for financial default, pre-existing medical conditions, severe weather, trip interruption, and damaged luggage. More specifically, if your trip is delayed for more than five hours for a covered reason, than you can be reimbursed up to $200 per day until travel becomes possible. Furthermore, if something happens to your luggage, you may lose your favorite sweater but at least you will be reimbursed up to $2,500 so that you can buy a new favorite sweater.

This article was written by Colleen Regan.