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BBB Accredited Business since

VacationGuard Inc

Phone: (425) 458-4984 View Additional Phone Numbers 15100 SE 38th St # 699, Bellevue, WA 98006

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This company offers travel insurance through internet sales, with plans designed for timeshare, retail vacation, and other needs.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that VacationGuard Inc meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Customer Complaints Summary Read complaint details

1 complaint closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 0
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 1
Total Closed Complaints 1

Customer Reviews Summary Read customer reviews

0 Customer Reviews on VacationGuard Inc
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: June 10, 2005 Business started: 03/11/2004 in WA Business started locally: 03/11/2004 Business incorporated 03/11/2004 in WA
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Washington State Office of the Insurance Commissioner
5000 Capitol Blvd SE, Tumwater WA 98501
Phone Number: (800) 562-6900

Washington Secretary of State
801 Capitol Way S, Olympia WA 98504
Phone Number: (360) 725-0377

Washington Insurance Agents Licensing
Insurance Building A-Q21, Olympia WA 98504
Phone Number: (360) 407-0341

Type of Entity


Business Management
Mrs. Debbie Rock, President Mr. Brian Rock, Vice President of Sales
Contact Information
Principal: Mrs. Debbie Rock, President
Business Category

Insurance Services

Method(s) of Payment
All major credit cards
Refund and Exchange Policy

This company offers insurance services. 

Additional Locations

  • 15100 SE 38th St # 699

    Bellevue, WA 98006 (425) 458-4984


BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

11/16/2014 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: I filed an Vacation Guard insurance claim SVTPXXXXX which was denied based on "pre-existing conditons". My calim was unjustly denied. The company's description of a pre-existing condition to include "receiving or taking any medication during the 60 day period prior to the travel date" is intentionally designed to exclude almost all claims. Secondly, and most importantly, the medical decision that ******* ***** was unable to travel was made after the effective date of the insurance purchase.

Desired Settlement: payment of $1000 in Marriott Vacation Club maintenance fees for the unit the ***** Family was unable to occupy because of travel restrictions.

Business Response: Initial Business Response /* (1000, 9, 2014/10/22) */ Contact Name and Title: ****** ****, President Contact Phone: XXX-XXX-XXXX Contact Email: ****** Mr. ******* made a reservation on Jan 3, 2014 to travel on July 13, 2014. On June 20, 2014 he called to cancel his trip. According to what we know from the claims department, the client was admitted to the hospital on June 12, 2014 to June 25, 2014. On June 14, 2014 the client purchased a trip insurance policy. The claim was denied due to the fact the condition that caused the cancellation existed prior to the effective date of the policy. His claim was appealed, and a decision was made to maintain the denial. Initial Consumer Rebuttal /* (3000, 11, 2014/10/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) As stated in my initial claim, we were told by the doctor that **** would be able to travel following his surgery. I was only after we had purchased the insurance that we leaned that his health would not permit travel. Final Business Response /* (4000, 13, 2014/10/24) */ Please provide us with the necessary documentation that shows that **** was not under doctors care for the same reason that the trip was cancelled. It appears that the policy was purchased after he was already admitted to the hospital. For us to review, we will need all the facts. Thank you

Customer Review(s)

The customer review(s) below are un-filtered. These positive and negative reviews are not used in the calculation of the BBB Rating. If you wish to file a complaint and request a resolution to your issue please click here. This customer review section is not BBBs complaint resolution system. Customer Reviews are the subjective opinion of the individual who posted the review and not of Better Business Bureau. A customer review is not posted on a business if a BBB complaint on the same issue(s) is also filed. BBB cannot guarantee the accuracy of any customer review and is not responsible for the content of any customer review. Public comments are not customer reviews.

Customer Reviews Summary

0 Customer Reviews on VacationGuard Inc
Positive Experience (0 reviews)
Neutral Experience (0 reviews)
Negative Experience (0 reviews)