Frequently Asked Questions

Timeshare Owners

1. How is the VacationGuard® Plan different?

It’s the first Plan designed to cover the real needs of the timeshare owner. We use comprehensive travel insurance, and then customize it to also covers maintenance dues, unit damage, and exchange fees, plus much more, all in one easy Plan.

2. This is an annual Plan?

Yes. Save Money, and time! You no longer have to purchase coverage for each timeshare trip! Provided you own less than 90 days of time, VacationGuard extends you annual coverage for less than per-trip plan offered by others. Get more, and pay less!

3. If I take a 3 day trip now, and a 4 day trip later using my timeshare ownership, this annual plan, and this one price, still works?

Yes. We base our plans on the annual expected use of owners, while understanding the flexibility in timeshare vacation ownership. So long as you are using your annual timeshare ownership for that trip, and it uses your annual dues or points value, the plan protects you. We do not limit the number of trips.

4. Suppose I buy more timeshare ownership during the year while this plan is in force. Am I covered for that time?

We support the notion of more vacation. In this case, say that you moved from 10 days to 20 days of ownership. You do not have to do anything different and, so long as you traveled within the term of the plan you bought, would remain covered, because you still own less than our maximum time allowed.

5. Suppose I own with 2 different timeshare companies. Are my dues, and my trips using those dues with each Developer, covered by this one plan?

So long as you are using your annual timeshare ownership for that trip, we extend coverage across your timeshare ownership, even if you own with more than one company.

6. Do you reimburse my “points” in a claim?

No. We do not replace your "points", because we don’t own or hold inventory. VacationGuard is travel protection, so we can reimburse your proportional dollar loss of maintenance fees and club dues in a covered claim, aside from other tangible protections inherent in travel protection.

7. How do I process my renewal?

Quickly and on line. VacationGuard is about protecting your vacations with both ease and affordably, while giving you control of the process.

8. If I’m driving to my trip, are their benefits to help?

Yes. Uniquely, we built benefits for the drive-to market as well. If your personal auto breaks down, not only will we provide Roadside Assistance benefits, but, it may also trigger a Trip Delay benefit if it takes long enough, which would then provide you for food and board benefits until your car is repaired.

9. If I bought airfare, or use frequent flier points to travel, do I need a plan upgrade?

No. VacationGuard decided to save you money and eliminate upgrade fees, so just includes many benefits in your plan. If you have a covered loss, we include a sub-limit towards airfare that you may have bought for your timeshare trip, or towards fees to re-deposit your frequent flier awards used.

10. What about “Bonus time”, “Get-away’s”, and other cash based trips?

This plan applies only to trips where your annual Timeshare usage by points or dues is allocated and used for that trip. Discount trips that you can access via your membership, yet pay for with cash, like Bonus Time, Get-aways, and other cash based trips are not covered. You can affordably cover them with our Leisure Plan. Click here to Get a Quote.

11. Does it cover me if I Exchange outside my home resort, even for a Cruise?

Yes. This follows you in an Exchange, worldwide, including cruising. We even include a sub-limit towards cruise upgrade fees you may have incurred to secure the exchange.

12. 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.

Still have questions? Just call our VacationGuard service team at: 866.314.9480, or email: Service@VacationGuard.com