I used Travel Guard once and was pleased with the coverage offered for the price. It seems to me that the cost of travel policies for trips under 30 days was particularly good. BUT, I didn't need to file a claim with this company so can't say how well they do honoring claims. Regards.
We've used Travel Guard a few times, but switched to Travelex last trip for some reason for which I am now at a loss as to why. I think they may have offered a better payout on their "cancel for any reason" added clause, we were headed to Myanmar right after elections and wanted to be sure we could cancel up to the last minute for whatever reason might emerge.
Travel Guard is a solid company, underwritten by the National Union Fire Company, who carry an A rating from A.M. Best: "which is assigned to companies that, in the opinion of A. M. Best, have an excellent ability to meet their ongoing financial obligations to policyholders"
Thankfully we have never had to file a claim, but I would certainly be confident in Travel Guard as an insurer.