Frequently Asked Questions

Who is the carrier underwriting this travel protection product?
Depending upon your state of residence, the Plan is underwritten by Nationwide Mutual Insurance Company, Nationwide Life Insurance Company, Nationwide Fire Insurance Company or Virginia Surety Company, Inc.

How does VacationGuard® help me?
This is more than just travel protection, its' timeshare protection. VacationGuard will assist you in the event of an unexpected mishap so your vacation doesn't have to come to an abrupt stop..

What are some covered reasons for Trip Cancellation/Interruption?
The unpredictably of earthquakes, hurricanes, illness, job loss, travel delays, and car breakdowns can add stress to the time when you're supposed to be having fun. VacationGuard helps put the peace of mind back in your plans.

How is this Plan different?
It's the first Plan designed to cover the broad needs of the timeshare owner. The price is based on the amount of time you'll vacation.and covers maintenance dues, unit damage, and exchange fees all in one easy Plan.

Why is this internet based?
To reduce the cost to the consumer and allow you transparent viewing of your premiums, losses and history. We also have 24 hour/7 days a week service via a toll-free number.

This is an annual Plan?
Yes. You no longer have to purchase coverage each trip! This will cover your Island One time up to the limits provided, for just $59 for the year!

So, if I take a 3 day trip, and then a 4 day trip, I still only buy the 1-12 day Plan?
Yes. We base it on your annual expected use with Island One Resorts.

Suppose I buy more time during the year. Am I covered if my total days puts me in the next ownership band?
We support the notion of more vacation, and you do not have to buy more coverage mid-year.

Do you reimburse my "points" in a claim?
No, VacationGuard can reimburse your proportional loss of maintenance fees and club dues in a covered claim, but does not replace your "points."

How do I report a claim?
Call our 24 hour toll-free VacationGuard Assist dedicated claim phone number or file your initial claim on-line.

Can I read the Plan?
Yes, just click on the link to our "Prices and Plans" page and the Plan is available for viewing in PDF format.

What evidence of coverage do I receive upon purchasing the Plan?
A Description of Coverage detailing the benefits, terms & conditions of the Plan can be printed via on line or we can mail it to you upon request.

How do I process my renewal?
With ease, via your Island One or Club Navigo annual memberships.

Can I cancel it after I buy?
To give complete peace of mind, you can cancel for any reason up to 10 days after you have purchased the Plan for a full refund provided you haven't traveled on a Timeshare Trip or have incurred a loss.

Can I customize it to ge more coverage for a particular trip?
Yes. When you have per-trip pre-paid cash expenses for international travel, cruises, ski and golf vacations that you wish to protect, just buy the Select Upgrade, starting at just $39 for a family. Go to http://www.VacationGard.com/Select or call 866-314-9480. It's fast and easy.

Suppose I have questions or special needs to inquire on?
Call VacationGuard at 866-314-9480, or email them at info@vacationguard.com