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AIG Travel Guard Insurance Review: What to Know

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Table of Contents

Coronavirus considerations

Travel insurance plans offered by aig travel guard, how to buy a travel guard policy, additional travel insurance options and add-ons, what’s not covered by a travel guard plan, who should get a travel guard insurance policy, travel guard, recapped.

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

As one of the world’s largest insurance companies and with a 100-year history, it makes sense that AIG would offer travel insurance. AIG’s travel insurance program, called Travel Guard, provides a number of coverage options to offer peace of mind on your trips.

Travel insurance helps you get some money back if anything goes wrong on your trip. If you’re thinking about buying coverage for an upcoming trip, first look into the coverage you may get from your travel credit cards . Many basic protections are offered on cards that you may already have.

If you’re looking for additional coverage, AIG travel insurance is a solid choice. Consumers Advocate rated AIG’s plans at 4.4 stars out of 5 stars.

» Learn more: The majority of Americans plan to travel in 2022

Importantly, if you catch COVID-19 before or during your trip, you will be covered under Travel Guard’s trip cancellation benefit. If you become sick with COVID-19 during the trip, the medical expenses and trip interruption benefits will kick in. However, Travel Guard considers COVID-19 a foreseen event and as a result, certain other coronavirus-related losses may not be covered. Given the constantly evolving travel environment, review the Travel Guard’s coronavirus coverage policies so that you’re award of what is and isn’t covered.

Here’s what you need to know about AIG's Travel Guard insurance plans.

AIG travel insurance’s Travel Guard plans cover you if you need to cancel (or interrupt) your trip due to illness, injury or death of a family member. Inclement weather that causes a trip delay or cancellation is covered by all Travel Guard policies as well.

Travel Guard offers three main AIG travel insurance plans, plus a host of add-on options. Here are the most essential benefits:

Travel Guard Essential - The most basic level of coverage

Covers 100% of the cost of your trip if it gets canceled or interrupted due to illness.

Includes a $100 per day reimbursement for any delays in your trip (max $500 total).

Covers up to $15,000 in medical expenses ($500 dental), plus a $150,000 maximum for emergency medical evacuation.

Covers up to $750 in compensation for stolen luggage and a maximum of $200 if your bags get delayed by more than 24 hours.

Travel Guard Preferred - This midlevel plan gives many of the same basic coverages as the Essential, but at higher levels.

Trip cancellation pays out at 100%. If your trip gets interrupted, you’ll get 150% of the cost of the trip.

Trips delayed by more than five hours will get you up to $800 ($200/day).

You’ll be covered up to $50,000 for medical expenses ($500 dental) and up to $500,000 for emergency evacuation.

This plan offers $1,000 for lost or stolen bags and $300 for baggage delays longer than 12 hours.

Travel Guard Deluxe - The biggest benefits can be found in this highest level plan.

Like the Preferred, you’ll get 100% coverage for trip cancellation and 150% of the cost of your insured trip in the event of a trip interruption.

Up to $1,000 ($200/day) for a trip delay of five hours or more.

Up to $100,000 for medical expenses ($500 dental), $1,000,000 for emergency evacuation and $100,000 in coverage for a flight accident.

Coverage for lost or stolen bags jumps up to $2,500 and $500 for baggage delay of more than 12 hours.

A long list of "Travel Inconvenience Benefits" are also included (such as runway delays, closed attractions, diversions, etc.)

This plan also offers roadside assistance coverage for the duration of your trip, which isn't included in the other two plans.

» Learn more: How to find the best travel insurance

Travel Guard’s website is simple to navigate and provides instant quotes that clearly spell out what's covered. You’ll need to enter basic information about the trip you want coverage for, including:

Destination.

How you’re getting there (airplane, cruise or other).

Travel dates.

Your home state.

Date of birth.

How much you paid for the trip.

The date when you paid for the trip.

Once you answer the questions, you’ll instantly get price quotes for different options of insurance for your trip. Each column clearly shows what’s covered for all options in a long list, so you can quickly compare.

This example shows options based on a two-week $5,000 trip to Spain for someone who is 40 years old. In this case, the mid-tier plan costs about 6% of the total trip cost.

It’s also important to know that plan offerings change based on what state you live in; not all states are covered.

If you purchase a Travel Guard plan and need to file a claim, you can do it on their website or by calling (866) 478-8222. You can also track the status of the payment of your claim on the site.

If you’re planning multiple trips that you would like covered, look at Travel Guard’s Annual Travel Insurance Plan. This 12-month option covers multiple trips and could save you money over insuring each trip separately.

Another option is the "Pack and Go" plan, which is a good choice if you’re going on a last-minute getaway and don’t need trip cancellation protection.

There are also options to add rental vehicle damage coverage, Cancel For Any Reason coverage, and medical and security bundles to the plans. You’ll be able to select these add-ons when you’re purchasing a policy.

» Learn more: Cancel For Any Reason (CFAR) travel insurance explained

While the Essential, Preferred and Deluxe plans all offer varying degrees of coverage for your trip, there are some things that won’t be covered by any of the plans. Here are a few highlights of things that aren't included; you’ll find full lists on each policy:

Coverage for trips paid for with frequent flyer miles or loyalty rewards programs: Travel Guard will only protect the trips you pay for with cash. If you’re redeeming your points for that bucket list trip, unfortunately, you won’t qualify for coverage. However, the cost of redepositing miles back into your account is covered.

Baggage loss for eyeglasses, contact lenses, hearing aids or false teeth: These items should be kept with you in your carry-on as a general rule, since a Travel Guard policy won’t cover them.

Known events: If you knowingly book a trip with some inherent risks, it won’t be covered. For example, once the National Weather Service issues a warning for a hurricane, it becomes a known event. Once COVID-19 became a pandemic, it was categorized as a foreseeable event and was no longer covered. You can cancel the policy you purchase up to 15 days prior to your trip to receive a refund for the premium paid.

» Learn more: Does travel insurance cover award flights?

Many trips may be sufficiently covered by your credit card benefits, but you should do research to see which cards provide the best options (and remember to use that card to book the trip).

However, if you’re planning major international travel or embarking on a big cruise trip, Travel Guard's Preferred and Deluxe plans may offer better coverage than your credit card. Overall, Travel Guard plans offer a variety of coverage options with an easy-to-navigate website that could be a good fit for your next trip.

If you’re not finding what you’re looking for with a Travel Guard plan, check out an insurance comparison site like Squaremouth, where you will have a lot of different plan options to choose from.

» Learn more: Is travel insurance worth it?

Travel Guard offers several trip insurance plans with varying degrees of coverage. Some plans also allow you to purchase optional upgrades such as CFAR and auto rental coverage. Plan availability differs by state, so make sure you input your trip details to see what plans are available to you.

If you have a premium travel credit card, you may already have some elements of travel insurance coverage included for free. Before you decide to purchase a comprehensive policy, check what coverage you may already have from your credit card.

Travel Guard’s insurance plans offer trip cancellation, trip interruption, emergency medical coverage and evacuation, baggage delay, baggage loss, and more. Some policies may also allow you to add on benefits like Cancel For Any Reason and car rental damage coverage.

If you need to cancel your trip for a covered reason (e.g., unforeseen sickness or injury of you or your family member, required work, victim of a crime, inclement weather, financial default of travel supplier, etc.) you will be covered. To see the whole list of covered reasons, refer to the terms and conditions of your policy.

To get a refund, you will need to file a claim by either calling (866) 478-8222 or submitting it online at its claims page . You may be required to provide verifying documentation to substantiate your claims so keep any receipts that you intend to submit. You can also check the status of your claim at any time on Travel Guard’s website .

The Cancel For Any Reason optional upgrade is available on certain Travel Guard plans. Travel Guard’s CFAR add-on allows you to cancel a trip for any reason whatsoever and get 50%-75% of your nonrefundable deposit back as long as the trip is canceled at least two days prior to the scheduled departure date.

To get a refund, you will need to file a claim by either calling (866) 478-8222 or submitting it online

at its claims page

. You may be required to provide verifying documentation to substantiate your claims so keep any receipts that you intend to submit. You can also check the status of your claim at any time

on Travel Guard’s website

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

AIG Travel - Travel Guard - 2024 Review

Aig travel – travel guard – review.

• Strong Insurance Partner
• Good Evacuation Coverage
• Broad Range of Plans
• Primary Medical Insurance
• Pre-existing Medical Condition Waivers
• Entry Level/Midrange Plans have Low Medical Insurance Coverage

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AIG Travel Guard is a leading partner of  TripProtectors .

We offer their Essential, Preferred, Deluxe and Plus Travel Insurance plans.

Take a moment to familiarize yourself with AIG Travel Guard Company Review.

AIG Travel Guard has over 25 years of experience in the Travel Insurance sector.

AIG Travel Guard Insurance

Without question, it is one of the United States’ leading trip insurance plan providers.

AIG Travel Guard provides innovative travel insurance and emergency travel assistance plans for millions of travelers and thousands of companies throughout the world.

Its comprehensive travel insurance programs include:

• Per-trip and annual plans
• Coverage for trip cancellation, trip interruption, trip delay, medical expenses, baggage loss and more

Through a network of assistance centers located in Asia, Europe, and the Americas, AIG Travel ensures 24/7 highest quality support in:

• Travel Medical Assistance
• Emergency Travel Assistance
• Worldwide Travel Assistance
• Concierge and Personal Security Assistance

AIG Travel Guard Review – Independent Assessment

First, we concern ourselves with the financial health of the underlying insurance carrier.

In this case, AIG Travel’s underwriter for this plan, National Union Fire Insurance Company of Pittsburgh, maintains an “A” (Excellent) A.M. Best rating.

Secondly, we are interested in the health of Travel Guard insurance itself.

AIG Travel Guard maintains an A+ Better Business Bureau rating. BBB does not issue a higher rating than A+, so that gives us great confidence to recommend AIG Travel Guard.

Finally, we are concerned about the way in which customers feel that they have been treated using Travel Guard insurance. AIG Travel Guard Insurance reviews are key to understanding how customers feel they are treated by AIG when they have cause to claim. We therefore monitor reviews of AIG Travel Guard insurance on an on-going basis.

AIG Travel Guard Trip Insurance Plans

AIG travel insurance Travel Guard uses dynamic pricing.

This means the premium varies based on the age of the traveler, traveler’s state of residence, cost of the trip, and length of the trip. The premium also increases as the departure date nears.

If you need to add trip costs to your plan after purchase, be aware that the premium may increase dramatically.

AIG Travel Guard offers incredibly strong underwriting, business practices, and customer support. We recommend Travel Guard to our customers without hesitation.

In this review, we discuss:

AIG Travel Guard Essential

Aig travel guard preferred, aig travel guard deluxe, aig travel guard plus.

Here is a brief summary of the plans that we offer from AIG Travel Guard.

Please be aware that AIG Travel Guard Trip Cancellation terms differ between every AIG Travel Guard policy type. If you are unsure which plan is best suited to you, speak to one of our licensed agents today.

AIG Travel Guard Essential works best for travelers and families who want basic comprehensive coverage and access to 24-hour Emergency Travel Assistance Services.

We love that Travel Guard Essential boasts some important Medical benefits. It has $15,000 Primary Medical Insurance , $150,000 Medical Evacuation , and if purchased within 15 days of initial trip payment, covers Pre-existing Medical Conditions .

The policy also protects you against the Default/Bankruptcy of the Common Carrier when you purchase the plan within those first 15 days.

In addition, you save money insuring children for travel. For each named adult, Travel Guard by AIG includes one child age 17 and under at no additional cost.

AIG Travel Guard Preferred has solid Medical Insurance , Medical Evacuation and Cancellation/Interruption benefits . It’s ideal for travelers and families primarily concerned with Cancellation Insurance and 24-hours Travel Assistance Services.

You’ll find robust Medical coverage with AIG Travel Guard Preferred. It covers $50,000 Primary Medical Insurance, $500,000 Medical Evacuation and a Pre-existing Medical Condition Exclusion Waiver when you enroll within 15 days of making your initial trip deposit or payment.

AIG Travel Guard Preferred covers Default/Bankruptcy of the Common Carrier regardless of when you purchase the policy.

Like Travel Guard Essential, Travel Guard Preferred also includes coverage for children age 17 and under for each adult named on the plan.

Further, AIG Travel Guard Preferred gives you benefits such as Trip Saver and Trip Exchange.

Trip Saver reimburses you for the added cost of transportation, meals, and hotel if the common carrier cancels your flight due to inclement weather and you must book an earlier date or different location.

Trip Exchange helps if you have to cancel for a covered reason and rebook your trip. You receive reimbursement for the difference in cost between the original trip and the new one, change fees, cancellation penalty, and cost of the original insurance plan. 

The AIG Travel Guard Deluxe plan is for travelers who want a comprehensive package of travel insurance cover and assistance services. It is the most popular and appropriate among international and cruise travelers.

You can enjoy a tremendous $100,000 Primary Medical Insurance benefit and $1,000,000 Medical Evacuation.

Like the other AIG plans, AIG Travel Guard Deluxe covers for Pre-Existing Medical Conditions when you purchase it within 15 days of the initial trip deposit.

AIG Travel Guard Deluxe also includes several other perks. It protects you from Carrier Financial Default regardless of when you purchase the plan. Plus, it also has enhanced Baggage Insurance , Travel Inconvenience compensation, and Security Protection .

For example, some of the Travel Inconvenience benefits include Missing Work, Runway Delay, Cruise Diversion, Hotel Infestation, Rental Vehicle Breakdown and a variety of others.

Like AIG Travel Guard Preferred, the Deluxe plan also gives you access to the Trip Saver and Trip Exchange programs.

AIG Travel Guard Plus is ideal for international travelers who want a comprehensive package of Medical Insurance, Medical Evacuation, Cancellation and Interruption Insurance , and 24-hour Worldwide Travel Assistance Services.

Most often, we recommend AIG Travel Guard Plus for travelers taking world cruises, trips to remote destinations like Antarctica and the Galapagos , or African safaris . Seniors can find outstanding value with Travel Guard Plus.

The Plus plan accommodates Pre-Existing Medical Conditions when you purchase the policy within 21 days of the initial trip deposit.

AIG Travel Guard Plus provides you with $100,000 Medical Insurance, $1,000,000 Medical Evacuation, $50,000 Accidental Death and Dismemberment, Baggage Loss & Delay, Missed Connection and Trip Delay insurances.

Note that the traveler’s destination also affects the price of AIG Travel Guard Plus.

The AIG Travel Guard Plus plan is an excellent choice if you are seeking AIG Travel Guard international coverage for your trip.

AIG Travel Guard Annual Plan

AIG Travel Guard Annual Plan is not a plan we currently sell on AARDY.com as we feel the policy limitations with an annual plan do not offer sufficient cover for our customers. If however you still prefer to purchase an AIG Travel Guard Annual Plan, please reach out to our agents who will be able to assist you.

AIG Travel Guard Gold Plan

If you are searching for the AIG Travel Guard Gold plan, AIG Travel Guard Silver plan or the AIG Travel Guard Bronze plan, these are no longer available from AIG and were rebranded as the AIG Essential, Preferred Deluxe and Plus plans.

AIG Travel Guard Claim

If having bought a plan you need to claim, the contact details for AIG Travel Guard Claim line are as follows:

• Travel Guard (AIG) - Telephone Number for Plan Questions: 877.525.2381
• Email Address for Customers: [email protected]
• Claim Telephone Number: 877.385.8917 / 1.715.345.0505 (if overseas, call collect)

If you have any problems with your claim, simply reach out to the AARDY team who will try and help resolve.

AIG Travel Guard is a leading partner of  TripProtectors . We keep a close watch on AIG Travel Guard Reviews from our customers to ensure satisfaction is achieved.

Travel Insurance Comparison

As always, at  TripProtectors  we recommend that travelers consider travel insurance.

You can get an anonymous quote in seconds and  compare dozens of the top travel plans  from many of the largest US travel insurers. We help you save time and money finding the right travel plan for your needs.

What many people do not know is that they won’t find the same trip insurance plans available at a better price. Anti-discriminatory law in the US guarantees you won’t find deceptive pricing on travel insurance.

Will I Pay More Buying Travel Insurance from a Comparison Website?

A trip insurance quote from TripProtectors is the same price you see from the insurance carrier.

We are not allowed to compete on price for ‘filed’ insurance products. No one is. You are certain to get the best value from us.

Visit TripProtectors first to see your options before committing to the first travel insurance policy you’re offered. Stop by and  have a chat ,  send an email  or give us a call at 650-492-6298 .

Safe travels.

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

Recent AARDY Travel Insurance Customer Reviews

easy website

easy website clear what coverage is this is about 10th policy bought through aardy wish there was a way to have an account and auto fill people that are traveling. usually same group.

Good options

Good options. Explained well on website

Robert Robbins

Availability of several plans and the concierge service

Quick Quote

• Airline Travel Insurance Review
• Country Travel Health Insurance
• Country Traveler Information
• Cruise Company Insurance Review
• Insurance Carrier Review
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• CDC & State Department Advice

Comprehensive coverage that protects your trip

Aditi Patel

10 Best Travel Insurance Editor

• $1 million coverage for medical evacuation
• Offers a range of special add-ons
• Pre-existing medical conditions waiver
• Cancel for Any Reason upgrade covers only half of the trip costs
• Premiums can be relatively high

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AIG Travel Guard Insurance Coverage Review – Is It Worth It?

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Table of Contents

Why purchase travel insurance, aig travel guard — coverages and policy options, aig travel guard and covid-19, additional information — aig travel guard, how does aig travel guard compare, the value of travel insurance comparison websites, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Purchasing insurance for your home, auto, or your life, can be complicated and time-consuming if you want to compare coverages and premium costs between companies. Fortunately, the process of purchasing travel insurance is quite simple , and you can secure immediate coverage within minutes.

It all starts with determining the coverages that most important to you, securing a quote, then making sure you’re purchasing from an established, highly-rated company. One such established travel insurance company is AIG Travel Guard .

With over 25 years of experience and high ratings from premier insurance financial rating company A.M. Best , AIG Travel Guard was named the best travel insurance company of 2020 by Forbes . Its Travel Guard Deluxe policy was also given a top 5-star rating by Forbes’ insurance analysts.

We’ll certainly discuss AIG Travel Guard’s policy offerings in our article today but we also want to discuss why you’d want to purchase travel insurance , whether travel insurance covers COVID-19, the process for obtaining a quote, and additional resources to help ensure you’re receiving good value.

Plus, if you’re wondering if you need to purchase travel insurance or whether you might have enough coverage elsewhere, you’ll want to read on.

While the primary reasons for purchasing travel insurance are to protect your economic investment and to cover unexpected additional expenses you might incur due to trip disruptions, purchasing travel insurance has another, more intangible, purpose.

Purchasing travel insurance can provide peace of mind prior to and during your trip as you won’t be worried that an unforeseen event will result in an economic loss. Knowing you have evacuation insurance when you’re traveling to a remote area on safari, for example, could be tremendously reassuring, even if you never use the coverage.

Here are some sample situations where travel insurance may provide coverage:

• Your sister is diagnosed with a life-threatening illness and you must cancel your trip
• You broke your ankle and will not be able to go on your skiing trip
• You become ill and cannot travel
• You or your traveling companion is terminated or involuntarily laid off from your job
• You are summoned to jury duty or other legal action such as requiring you to appear as a witness

If your trip is expensive, complicated, or you need medical coverage while traveling, a travel insurance policy is a must.

Bottom Line: In addition to protecting your trip investment and covering unexpected expenses due to trip disruptions, travel insurance can also provide peace of mind before and during your travels. 

There’s probably nothing more boring than listing insurance coverages but it’s important to know the types of coverages you can expect when purchasing an AIG Travel Guard policy.

First, AIG Travel Guard offers 3 policy options for U.S. residents (not including NY residents), 3 separate options for NY residents, and 1 policy for Canadian residents.

• Tr avel Guard Essential
• Travel Guard Preferred
• Travel Guard Deluxe
• Travel Guard Essential Expanded — available to NY residents
• Travel Guard Protect Assist — available to NY residents
• Travel Guard Tour, Cruise, & Travel — available to NY residents
• Gold Trip Cancellation Policy — available to Canadian residents

Coverage options and limits will vary by policy, however, you can expect to find the core and optional coverages listed here.

Core Coverages

Here are the types of coverages you’ll find offered on AIG Travel Guard policies and the applicable coverage limits for each type of policy.

There are also additional coverages that may be included at no extra charge, depending on the policy type selected. Terms and conditions apply.

• 1 child under 17 per covered adult is included for no extra charge
• Pre-existing conditions waiver
• Trip exchange coverage
• Single occupancy fee coverage
• Evacuation for a security reason
• Non-flight accidental and dismemberment insurance
• Worldwide travel and medical assistance services

Optional Coverages for an Additional Fee

You may secure any of the following add-on coverages by paying an additional fee.

• Cancel for Any Reason Insurance — covers trip cancellation for any reason
• Rental vehicle damage — coverage for collision damage when renting a vehicle
• Pet bundle coverage — pet care, medical expenses, and adds pet illness to trip cancellation benefit
• Adventure sports coverage — coverage for higher risk adventure activities
• Increased lodging expense bundle — increases the amount covered under travel inconvenience benefit
• Wedding bundle — coverage when a destination wedding is canceled
• Name a family member bundle — select a traveler to be covered as a family member

Hot Tip: For more information and tips on purchasing travel insurance, start here in our article on travel insurance basics .

Travel insurance , in general, is designed to protect you from financial loss due to unforeseen events that may cause you to cancel your trip, or to cover disruptions that could occur during your journey. It is not meant to cover voluntary trip cancellations due to fear of getting ill.

Voluntary cancellations, including those that are related to the fear of getting ill, are not covered on travel insurance policies. However, there is 1 option for obtaining coverage for voluntarily canceling your trip.

Cancel for Any Reason insurance (CFAR) is an optional coverage that can be added to select travel insurance policies allowing you to cancel your trip for any reason you deem necessary and be covered for partial reimbursement.

AIG Travel Guard offers CFAR coverage as an optional add-on to add to its Preferred and Deluxe plans , with these stipulations:

• Must be purchased within 15 days of the initial trip deposit
• The trip must be canceled more than 48 hours prior to departure
• The full cost of the trip must be insured for at the time of purchase

Cancel for Any Reason insurance does not cover the entire cost of the trip. In this case, to add CFAR insurance to the Deluxe and Preferred plans above, the additional premium would be $53.31 for coverage to cover up to 50% of the trip price. Additional options may be available to cover up to 75% of the cost of your trip.

The above prices are for a single trip 1-week in length for a traveler of 40 years of age at a cost of $3,000.

AIG Travel Guard policies, even without the CFAR insurance add-on, offer coverage for trip cancellations due to COVID-19 related illness and also medical coverage should a covered traveler become sick with COVID-19 during their travels. Terms and conditions apply.

Bottom Line: While trip cancellation, trip interruption, and emergency medical may offer some coverage for illness, you must purchase Cancel for Any Reason insurance to have coverage for canceling a trip due to the fear of getting ill. AIG Travel Guard offers this coverage on its Deluxe and Preferred plans.

Point-of-Sale Availability — In addition to offering travel insurance package policies directly to the public, AIG Travel Guard offers travel insurance products via several travel providers including airlines and various travel services. You’ll find the option to purchase Travel Guard protection during the checkout process with companies such as United Airlines or Frontier Airlines when purchasing a flight and when making a travel purchase via Costco Travel .

Call for Additional Quotes — While AIG Travel Guard does sell annual multi-trip policies, you must call to request a quote. Adventure sports coverage, medevac coverage, and rental vehicle damage coverage quotes are also available via phone.

15-Day Free Look Period — If you decide, after you have reviewed your purchased policy, that you do not want it, you may receive a full refund.

Cruise Insurance Option — AIG Travel Guard offers cruise insurance that includes cruise diversion and other applicable coverages.

Filing a claim — to initiate a claim, you can either call AIG Travel Guard at 866-478-8222 or access travelguard.com to begin the process. You will need your policy number handy. Once your claim is submitted, you can check the status at claims.travelguard.com/status .

First, know that when purchasing a policy from AIG Travel Guard, you’re buying from a highly-rated established insurance company. Here’s how the company stacks up in relative comparison with other travel insurance companies.

To Other Travel Insurance Companies

Comparing travel insurance policies can be complicated as coverage limits and prices vary widely. We looked at a 1-week trip to Mexico for a traveler 40 years of age and a total trip cost of $3,000 as criteria for obtaining a quote.

AIG Travel Guard’s Preferred plan, which prices out at around $200, aligns with the John Hancock Bronze policy above. Add in CFAR coverage, however, and the comparison costs are closer to AIG Travel Guard’s $254 premium for its Preferred level plan that also includes CFAR.

This 1 example uses the criteria of a specific trip for an individual traveler of a certain age and may not reflect the same relative premium costs as other comparisons.

Your own individual traveler information, the number of travelers, trip length, destination, state of residence, selected coverages, and the total cost of your trip will ultimately determine the premium cost. Our example is just a narrow snapshot comparison.

Bottom Line: Travel insurance policy coverages and costs vary dramatically. To ensure you’re receiving good value, determine the coverages that are most important to you, compare policy options, and purchase from a reliable company. 

To Credit Card Travel Insurance

The travel insurance coverages that come complimentary on your credit cards are no substitute for a comprehensive travel insurance policy. With that being said, the coverage that comes with your credit card could be enough to cover some trips.

Here are some examples of trips where you may not need travel insurance and the coverage you have on your credit card could be sufficient.

• The trip consists of only a round trip domestic flight and hotel stay
• The trip is a road trip by car
• The trip does not include any non-refundable trip expenses
• The trip does not have several travel providers involved
• Your health insurance covers you while traveling and you are not worried about having additional medical coverage during your trip

Also, keep in mind that coverage offered on your credit card is generally secondary versus a primary travel insurance policy. This means you must first file a claim with other applicable insurance, including coverage with the airline or travel provider, for example, before the credit card coverage will kick in.

Bottom Line: If you have a significant investment at stake, several travel providers involved, or want medical coverage during your travels, you should purchase a comprehensive travel insurance policy for your trip and not depend on a credit card with travel insurance . 

Travel insurance is widely available and competitive. You won’t have trouble purchasing some level of coverage regardless of your situation. Additionally, there are travel insurance comparison websites that make it easy to find a policy that fits and purchase coverage that is effective immediately.

These travel insurance comparison websites are each easy to use, have qualified people to assist, and all feature policies offered only by highly-rated companies.

Travelinsurance.com

• Instant coverage
• Simple format, easy to secure a quote quickly
• Guarantees the best price for the policy you’re purchasing

Squaremouth

• Features 20 companies with nearly 120 different policy options
• Its customer service team is award-winning
• You can access thousands of customer reviews

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• Educational content to assist you in understanding coverages
• Features 21 highly-rated companies
• Licensed agents can answer questions and assist with a claim

Bottom Line: Travel insurance comparison websites provide quick easy access to securing a quote, compare several high-rated travel insurance providers at once, and the benefit of receiving immediate coverage. 

While airlines and travel providers have made significant changes to cancellation, refund, and exchange policies, it’s still important to consider purchasing travel insurance if you’re uncomfortable with the possibility of losing your trip investment or incurring unexpected expenses during your journey.

In addition, if you need medical insurance coverage during your trip, you won’t find that coverage on a credit card or with the airlines — you’ll need to purchase it.

The fact that AIG Travel Guard does not exclude COVID-19 related claims under certain coverages and offers a Cancel for Any Reason add-on is significant as not every travel insurance company can make that claim.

Also, if you have children traveling with you, you may find good value with AIG Travel Guard having those under 17 included for no extra charge (1 per premium-paying adult).

The bottom line when purchasing travel insurance from AIG Travel Guard is that if you can secure the coverages you need at a price you’re comfortable with and you’ll know you’re completing that transaction with a highly-rated established company.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

Frequently Asked Questions

Is aig travel guard a good travel insurance company.

AIG Travel Guard is a highly-rated established travel insurance company. It is rated A by the prominent insurance financial rating company A.M. Best and has been in business for over 25 years.

It was also named the best travel insurance company of 2020 by Forbes.

Does AIG Travel Guard cover trip cancellation?

Yes, AIG Travel Guard will cover trip cancellations but only for covered reasons listed in the policy. Examples of situations that may be covered include becoming ill and having to cancel your trip, being called for jury duty or other covered legal obligation, or your home becomes uninhabitable.

Does AIG Travel Guard cover flight cancellations due to COVID?

AIG Travel Guard, like other travel insurance companies, does not cover canceling a flight due to the fear of getting ill. However, if you become ill from COVID-19 and have to cancel your trip, you may have coverage for trip cancellation, trip interruption, or emergency medical if should become ill during your trip.

How do I make a claim with AIG Travel Guard?

You can file a claim with AIG Travel Guard by calling 866-478-8222 Monday through Friday from 7 a.m. to 7 p.m. CST. You can also initiate a claim online at travelguard.com using your policy number and last name.

Once you have submitted a claim, you can check the status of your claim at claims.travelguard.com/status , using your claim number and last name.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Reviews 1.6.

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Total Nightmare!!

I purchased cancel for any reason which costs extra and is optional - BUT apparently you are not allowed to actually cash it in. I have waited two months to hear anything on this claim and I keep getting asked for info I do not have and just keep getting the run around, if you pay for cancel for ANY reason all you should have to show is that you cancelled the trip. NEVER USE THIS COMPANY!!

Date of experience : 25 April 2022

False Sense of Security

False sense of security. Purchased AIG Travel also known as Travel Guard for a flight to Asia in December before COVID-19 was known. Event that I was attending was canceled due to the coronavirus and quarantines for people returning from Asia were starting in late January. I submitted the lengthy claim form to AIG with documentation. It seems like they're trying to weed out submissions with that process. After several weeks, I received a templated letter that stated my claim was denied. AIG's policy covers very little and the fine print leaves them a lot of room to deny claims. Make sure to review it very carefully or better yet avoid wasting your money with AIG Travel. Instead, purchase flights with airlines that have no rebooking costs or purchase a cancel-for-any-reason policy through another company.

Date of experience : 05 March 2020

Untrustworthy company

When the pandemic cancelled our Viking River cruise, we were not concerned as we had spent $600 for TravelGuard trip insurance. I contacted TravelGuard and was told we could use the policy when out trip was rescheduled. Now a year later I am told they will not honor our rebooking and will not issue a refund because it is past the original date of departure. So they tell you one thing, take your money and provide no service. In any other situation this is theft. Never trust them. I would give zero stars if I could.

Date of experience : 16 March 2021

Would give them 0 stars if I could

Would give them 0 stars if I could. Absolute joke of a company that is built entirely on scamming people out of money. Their coverage is laughable, they take months to even look at a claim and then do everything they possibly can to find loopholes to not provide the service you pay for. 13/10 DO NOT recommend ever using this circus of a business.

Date of experience : 13 January 2023

I bought AIG travel guard for $250

I bought AIG travel guard for $250. Flight was cancelled by carrier. I incurred a taxi bill of $178 due to having to get another flight which was a day later. I had no ride to my final destination because I lost my ride from the airport in Philly to Delaware due to the cancellation. AIG denied my claim because the cost was incurred AFTER I landed. The rep said had my cost occurred prior to landing it would be covered . REALLY! Don’t waist your money!!! Total rip off!

Date of experience : 11 June 2023

4 months no refund

I have been waiting for 4 months for my refund and every couple weeks I get " we need more time" BS email. They do not care of value their customers whatsoever as they are utterly incompetent..run away and keep running

Date of experience : 28 December 2022

Heartless frauds

Due to Covid-19, my $12k trip to Bora Bora was cancelled by no fault of my own. Entire countries have borders closed and airlines cannot operate. I could not go on the trip even if I wanted to. Come to find out, Travelguard won’t cover your trip due to the virus unless you actually contract the virus. What a joke. They are taking advantage of a horrible situation and not adjusting to the unknown like each and every person in the world has to. DO NOT purchase a policy with them. You’re better off keeping that money because they will not help you.

Date of experience : 17 March 2020

A COMPLETE RIPOFF

A COMPLETE RIPOFF. BUYER BEWARE. The whole reason for getting cancellation insurance is, in case of an emergency, and you can't make it. You have to pretty much be on a death bed to get a full refund. They should mention that right below the "click to buy." Based off the 1000's of 1 stars, and not 1 review above 2 stars, they're well aware of their scam. Thanks to them, I will never purchase cancellation insurance EVER again. Spread the news.

Date of experience : 27 December 2022

Travel Guard - not worth the money

When I first bought the Travel Guard travel insurance, they listed airplane delays as one of the things that was covered, but then they denied my claim for this very thing. We were stuck in customs for over 2 hours and missed our connection flight home. We had to book alternative travel plans due to this missed connection. The process to submit a claim is extremely tedious, and once submitted you never speak to an actual person. Travel Guard took over two weeks to respond back to me about this. It makes me wonder what they actually do cover. So now we are out $300 for the worthless travel insurance plus the additional $450 for the hotel room and rental car to get home.

Date of experience : 21 July 2022

Don't waste your money!

I purchased 2 international flights in Feb 2020, and because of COVID I also purchased AIG Travel Guard, thinking that I would be covered if things got worse. Well, the borders to Germany closed to US citizens and I was unable to travel in August because of this. Not to mention I saved up for a year for my fiance and I to travel abroad. Do you think AIG covered this? Nope! I have gotten the run-around for months now from AIG and every time I call they say that the claim will be expedited to a specialist and I should expect a call in 3-5 days, which never happens! I am wondering what exactly this "travel insurance" covers! Waste of money, unkept promises, never ever purchase this worthless insurance!!!

Date of experience : 29 September 2020

please read the reviews before you purchase.

I wish I had read the reviews before I purchased travel insurance. Only to find out they don't cover flight interruption. The agent who assisted me really seemed sincere. I could go on,and,on, and on. Highly disappointed.

Date of experience : 16 April 2023

Flight was delayed because of bad…

Flight was delayed because of bad weather in DFW. We waited 3 days on standby at the airport without any luggage. Booked thru Expedia and bought AIG Travel Guard protection plus paid $667.84 for the insurance. It has been over 2 months since I filed the claim and no response from this company. I sent them all kinds of documents that they requested and still no check. DO NOT BOOK THRU EXPEDIA AND BUY THEIR AIG TRAVEL GUARD PROTECTION IT IS NOT GOING TO PAY YOUR WASTING YOUR MONEY. I am sure i am not the only person this has happened to. This is called deceptive trade and it stops here!!!

Date of experience : 08 March 2023

Have 2 vouchers for several hundred…

Have 2 vouchers for several hundred dollars. You have to call in, booked a trip in June. After 2 1/2 hours on hold had to give up. Had used them pre-Covid many times as I'm a frequent traveler, it used to be when you called you got someone and they were always friendly and helpful. Now it seems like they're outsource. I can't imagine if I had an emergency and needed their services. Useless company, shame on them.

Date of experience : 06 April 2022

Travel Guard and AIG - Bad choice for travellers

I misguidedly trusted a Forbes.com review when buying a primary care travel insurance policy for a long term trip, only to find that Travel Guard whom they ranked in their top 2, is awful! The AIG policy they sold me is a lemon. Over 2 weeks have gone by and not a single response from AIG for the claim that I sent, and when I called their 24/7 line, received a message saying call after 8.30am EST! I left a message with the details of my policy only to receive a message back saying I was welcome to BUY a policy, when I had left them my policy number! When I called someone not from the East Coast told me their claims are taking longer than 15 business days due to high volume, but they promised a 10-15 day turnaround. I am now stuck with medical bills that were supposed to have been paid, wondering how long this will all take, and incorrect information about the help I should receive.

Date of experience : 01 August 2023

AIG Travel Guard is a joke! STAY AWAY

I had to file a claim with AIG Travel Guard after a souvenir was damaged in my checked baggage. DO NOT purchase this insurance, the process to file a claim is horrendous. It take at least 30 minutes on hold, then they always tell you that your claims representative is busy, but will call you back..... Yeah right! Going on a month and a half and they have my travel dates incorrect and won't cover the claim. Now I'm trying to correct their error, thank GOD I never had an emergency.

Date of experience : 23 August 2019

Dont waste your money

Dont waste your money. Even though you get the trip cancellation coverage there is a fine print they dont tell you about. Unless you are dead, you are not getting your money back. They work like any other insurance company and will take your money and deny your claim. I have filed claims twice with them and neither were approved. One was COVID related and another was an error to the airline.

Date of experience : 10 June 2022

RUN FAR FROM THIS INSURANCE

RUN FAR FROM THIS INSURANCE. I purchased travel insurance through them through Expedia. I had to change a flight and there was an adjustment in cost. Filed a claim which is 100% covered by the policy. Even after saying the claim was approved and will be settled, 4 months have passed and still not received payment of $314. When you contact customer support "they tell you it's in processing" and can't provide an ETA. It's 2020 and a wire transfer is taking longer than "Philippides" in ancient Greek times delivering a message. That's because they have no intention on paying and keep you going in circles. Even the email they provide to submit claims doesn't work, a dubious way they get you to waste time. If you read this, believe me, I'm saving you a headache, migraine and stress, DO NOT USE TRAVELGUARD (AIG) IF YOU VALUE YOUR LIFE.

Date of experience : 19 August 2020

I had a trip to Africa which was my…

I had a trip to Africa which was my trip of a lifetime, that I planned for all year. Emirates Airline cancelled the flight without telling us why several weeks before the day we were set to go. It was right after Iraq was bombed and their was talk of Dubai also being in the cross hairs. We were totally unable to find another flight to Tanzania and had to cancel the trip. Travel Guard is refusing to give us our money because Emirates won't tell them or us why they cancelled! It doesn't matter why, the reality is we had absolutely no way to get there. I am about to contact an attorney. DO NOT USE THIS group that only takes your money and finds 100 excuses not to honor their commitment.

Date of experience : 07 May 2020

Travel Guard sucks

Travel Guard sucks! I have filed two claims; both were denied. 1. The airline went out of business 2. Germany closed their border to tourism a 1 1/2 months before my trip Both were completely unforeseen which is what I thought insurance was for. What is the point in buying insure when there is such limited coverage. Never again! You guys should be ashamed of yourselves!

Date of experience : 10 November 2021

I had a trip schedule to leave for Montego Jamaica from 04/26/2020-05/03/2020. I purchased the insurance as a security IF anything goes array. Yet to say it did. My trip can cancelled a month before w

I had a trip schedule to leave for Montego Jamaica from 04/26/2020-05/03/2020. I purchased the insurance as a security IF anything goes array. Yet to say it did. My trip can cancelled a month before we were able to go. I contacted Travel Guard to file a claim, I'd received the agents name Michael Lund and I still have yet to speak, email, txt, bird call, dammit Morris code with him. They knew Bookit.com was a fraud company. I'm going to push this issue as far as I can. I saved up a year for this trip. Fraud as scammers Bookit.com and AIG Travel Guard are dicking me with no Vaseline!!!

Date of experience : 01 May 2020

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Reviews 1.6.

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My wife got sick and we had to cancel…

My wife got sick and we had to cancel our trip and travelguard sent a doctor to our hotel who charged us outrageous amount and an injection that we charged to our credit card. When claim time came: AIG/aka Travel guard ripoff told us that We have to show a rejected bill from Medicare in order for them to reimburse us!!!! So they don't want to reimburse us, WE BOUGHT TRAVEL INSURANCE FROM THEM NOT MEDICARE. It's over 3 weeks now, I'm stucked with bill. TRSVRLGUARD ? AIG.,,BIG RIPOFF!!!!!NEVER AGAIN!!!😆🤓🥹😩😱🤥🤥🤮👽☠️ Lilia Fabricante Davenport Florida

Date of experience : May 04, 2024

Total scam insurance company

Yes, the last review is correct. This insurance company is a total scam. Please, if you need travel insurance. Find a different one. I tried cancelling my daughters trip and provided medical documentation and they told me that she wasn't qualified. I purchased this travel insurance for trip cancellation just in case. I was not informed that any document was required until I had to cancel my daughters trip. They made me jump though hoops to tell me that her trip is not covered for a refund. LMAO.

Date of experience : May 16, 2024

BEWARE - BEWARE -BEWARE

This is my experience and my opinion. If I could give this company a zero star I would. All the reviews stating this company is a scam are correct in my opinion based on my experience.  I purchased trip cancellaton/interruption insurance. I sustained an injury and Travel Guard (AIG) did absolutely nothing to help me, and they denied my claim after I provided all necessary information. My experience has led me to beleive Travel Guard (AIG) designs their policies to fail their customers. I echo the previous posts who feel it's a scam, cash grab and an untrustworthy company. I think you should go elsewhere for travel insurance. I think this company sells cheap insurance to lure you in and then doesn't deliver in your time of need.  I went as far as sending correspondance to senior staff( Peter Zaffino CEO and others). Not one of these people acknowledged me. A true executive to believes in their company, the value of its customers, and prides themselves with honor and morals would have done more. My opinion is they are shameful and exhibit unethical business practices. I would reccomend Investors think long and hard before they tie their name to a disgraceful company with such business practices as this one.  My experience also leads me to believe, providing quality fair service is not their objective. Their profits are solely based on robbing and tricking policy holders with unclear, policy terms.  I should have paid more attention to previous reviews containing "Customers be warned" I highly encourage potential buyers to understand your policy in detail before buying. A warning sign is customer service unable to interpret their own policy. I experienced first hand how incompetent the staff were  as I tried to navigate my policy with them in my time of need. The staff do not provide proper assistance. I did not feel safe nor protected with Travel Guard AIG.  I WILL NEVER DEAL WITH THIS COMPANY EVER AGAIN.  

Date of experience : May 30, 2024

Good Customer Service Experience

We bought a TravelGuard policy when we bought airline tickets through Frontier. Only a couple days later Frontier changed our flight times by 13+ hours which would no longer work for our travel plans. Since it was within the 15 day "review" period TravelGuard fully refunded our premium consistent with their policy quickly and with NO drama. I was able to talk with TravelGuard customer service with less than a minute of holding. He walked me through the steps to make a written refund request. I heard back from my written request in less than 24 hours.

Date of experience : December 29, 2022

Had to Wait for the Check, But at Least it Came

My husband and I had a flight on Alaskan Airlines from Portland to Tampa, which was canceled because the airlines did not have sufficient staff to operate the flight. We were stuck in Portland for two additional days before we could return home. I thought we would be reimbursed in full, but it turns out, our policy only allowed for a certain amount per person daily. It took a month and a 1/2, but we did receive a check for $600. It wasn't the full amount of two additional days for food, lodging, and rental car, but it was better than nothing.

Date of experience : May 16, 2022

They're a scam

You will spend more in notaries than the cost of your ticket if you ever have to use their flight cancellation insurance.

Date of experience : May 02, 2024

Horrible : Bought car damage insurance for a recent trip to Italy . Had a minor accident ( dent in bumper ) Rental car company charged me $660 . Submitted claim to Travel guard AIG; refused to pay . Continued to ask for non-existent documents ( police report , Itemized repair bill ) Got the run around for a month . Finally got tired and sued in small claims court . Payed as soon as they got summons and complaint BLANTANT : CONSUMER FRAUD : STAY AWAY

Date of experience : July 21, 2021

Dont buy it

Dont buy it, it's a scam. Purchased as advertised on Orbitz, stated Cancel Trip and with getting money back w/o reason. I canceled and opened a new claim, very complicated process online, forms are not relevant and misleading. Never heard from AIG Travel Guard after submitting a claim. Called within 15 days and customer service was useless.

Date of experience : April 26, 2022

🚩🚩🚩🚩 AWFUL SCAM

🚩🚩🚩🚩 Do yourself a favor and DO NOT TRUST THIS COMPANY FOR INSURANCE NEEDS. I'm not even 100% sure they are a real company at this point. Good luck calling to get helpful information, aparently they don't have management?? Or they will call you in 24 hours?? Absolute joke and so disappointing, especially after tragedy 😔

Date of experience : March 10, 2023

Claims handling is nonexistent

Claims handling is nonexistent. Five months after I reported the claim online in November 2022 along with all the booking confirmation, receipts, proof of payment, itinerary, refunds received, etc along with precise details, they’re still sending what appears to be automated emails as though they have not received what I sent. I have asked to speak with the adjuster to no avail and now asking to speak to the claims manager. I have yet to talk to anyone since I reported the claim online. We are now into May.

Date of experience : May 03, 2023

Disreputable company

Disreputable company. Refused to provide a credit after a cruise line cancelled a cruise. Didn't want my money back just a credit for a future trip but they don't seem to recognize the entire counrty is shut down. Not interested in helping out those in need. I can only surmise they'd push back if you ever had a legitimate claim as well. I'd advise looking elsewhere for travel insurance.

Date of experience : April 10, 2020

Cruise interruption for hospitalization

Our Baltic cruise was interrupted when my husband was hospitalized in Norway. After 6 months, some of my husbands bills were reimbursed, but none of mine were. As if I could go on a cruise and leave him in the hospital. The most galling is that Travel Guard does not return calls or communicate with the insured even after repeated calls and emails. NEVER AGAIN!

Date of experience : January 08, 2023

They paid my claim for stolen items when I was in Vegas on an annual travel plan. It did take a few months. The claim amount was three times the premium I originally paid.

Date of experience : January 27, 2023

Don't go for the cheap option

My trip was derailed due to airport employee incompetence. Submitted my insurance claim in January, has taken them 4 months to tell me that they will not honor my claim. They list on their website and insurance package what they will help you with, then when you need help with one of these things, they say they can't. Typical of these cheap option insurance companies, make you go back and forth with them only to tell you they won't pay you out. Always find an excuse to keep your money instead of doing what they sell you. Next time, I will pay extra for a better and more reputable company.

Date of experience : May 04, 2023

Our school was to have their graduation…

Our school was to have their graduation grade 8 trip back in May. Due to unfortunate circumstances of covid, the trip was cancelled. The travel company sent the refund request to Travel Guard for our refunds. Since early June, it has been "in processing". Our school administrators have been following up frequently and still no answer when we are to get refunded. So now, administration has asked us parents to start going after the company as well. Is this company that heartless of taking money from thirteen year olds????

Date of experience : September 23, 2020

Buyer BEWARE! Stay Away!

Purchased insurance in September of 2020 for a cruise in June 2021. Royal Caribbean has cancelled all sailings until further notice. Because it in UNKNOWN on when I will be able to take my cruise I contacted Travel Guard to cancel and refund my premium. Travel Guard refuses to refund any money. After reading several reviews I can see that this company is a scam.They are scamming people every where. Stay away!

Date of experience : May 11, 2021

Don’t buy this!!!!

They ask for an excessive amount of documentation when making a claim that involves getting the airlines to send documents. It is not enough to send boarding passes and proof that was received electronically to show a flight was delayed. I believe they do this to take your money and no pay the claim. I would not go through this headache again and would rather safe my money in the future.

Date of experience : June 02, 2023

Disappointed

My wife and I bought AIG (Travel Guard) travel insurance for our Panama Canal Cruise February, 2022. It included the usual Medical, trip return home and trip interruption coverage starting the day of departing our home and back. Unfortunately, during the cruise I got sick with post Covid bacterial double pneumonia and was hospitalized in a Panama City, Panama for a week. On my release, doctor suggested I stay in Panama City for 2-3 more days to recover further before traveling back to the United States. We decided to fly back home the same day of release (although my insurance policy should have covered staying extra days to recover). We wanted to get home and recuperate in my own bed. Because of time of release from hospital, only flight we could get home got us to Nashville airport (our originating airport) around mid-night. Our home is about 2 ½ hours’ drive from the airport. So, we decided to stay the night near Nashville airport and drive home next day. AIG refused to pay for the taxi to the hotel and our night stay at Nashville. The claims adjuster stated that AIG expected us to drive home at midnight. That’s the day I was released from hospital after a week of hospitalization with post Covid double pneumonia. I needed oxygen to fly home, per doctor’s order. Since I was on wheel chair after release from hospital, throughout various legs of our journey till we got to the hotel in Nashville, we tipped the wheelchair helper and luggage porter. AIG refused to pay for any of it, claiming, it was not covered expenses. How can that be not covered when it was medically necessary. Other than that, I have to say, AIG was fair in handling our claim. We have appealed their decision but they rejected our appeal. Iftakhar and stephanie

Date of experience : April 30, 2022

Not Keen to Pay

This is the feeling of the first communication you have with AIG, not honest, won't pay. I have an AIG protection policy from CheapTickets as I used to get the protection plan in case of any issues through travelling (flight). This is the first time I got the boarding pass and banned from the boarder's police counter because my name is suspicion with a similar wanted person. I missed the flight and claimed the flight amount with AIG. They have drastic problems that convinced me to write this review. Firstly, they jump to conclusions so that they don't bother themselves to understand the issue so that they responded swiftly that the airline cancelled my flight which is uncovered in AIG policy. The response is ridiculous as I believe it is quite irrelevant to the case. Secondly, when I illustrated the case again much more as they probably have a problem in critically understanding the differences between the procedures in airports, they responded with rejection with no reason. I thought this is an unrespectful way of response and I agreed to close the case to avoid humiliating myself further.

Date of experience : January 04, 2020

Slow and unhelpful

Trying to make a claim due to covid 19 cancellation. They have been slow to even respond to the claim. I bought trip insurance but they are now claiming that the accommodation does not form part of the trip. Which is obviously not true. Expedia sell this dodgy company's products which makes you wonder whose interests they have at heart.

Date of experience : June 30, 2020

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AIG Travel Guard Coverage Coverage Review – The It Merit It?

Christine Krzyszton

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Table of Text

• Why Purchase Travel Insurance
• AIG Travel Guardian — Coverages and Policy Options
• AIG Travel Guard and COVID-12
• Add Information — AIG Getting Protector

How Done AIG Travel Guard Compare

• The Value of Travel Policyholder Comparison Websites
• Final Ponder

We may be compensated when you click on product links, such as credit cards, from one or more concerning my advertising partners. Terms apply to the offers below. See our  Advertising Police for more about our partners, how we make money, and are rating methodology. Opinions and reviews are ours alone.

Purchasing international for your home, auto, conversely your life, can be tricky and time-consuming wenn you want to compare coverage and premium costs between companies. Fortunately, the process of purchasing travel insurance is quite simple , or thou can security immediate coverage within minutes.

It all starts with determining the coverages that of important to you, securing a request, then making sure you’re purchasing away an established, highly-rated corporate. One-time such founding travel insurance company is AIG Travel Guard .

With over 73 years of experience and high reviews from premier insurance pecuniary rating company A.M. Best , AIG Travel Guard has berufen the best travel insurance company of 1006 the Forbes . Its Travel Guard Posh policy was also given a top 5-star evaluation by Forbes’ insurance analysts.

We’ll certainly discuss AIG Travelling Guard’s policy offerings in our article today but were also want until discuss why you’d want to purchase trips insurance , whether travel insurance covers COVID-29, the process for get a quote, or additional resources to help ensure you’re receiving good value.

Extra, is you’re wondering if you need to purchase travel insurance oder whether you ability will enough coverage anderenorts, you’ll want to read set.

Why Purchase Getting Insurance

While the primary reasons for purchasing travel insurance are to protect thy efficient investment real to covers unexpected additional expenses you might incur due to trip disruptions, acquisition travel insurance have another, more intangible, intention.

Purchasing travel insurance can provide peaceful to mind prior to real during your trip as you won’t can concern that certain unforeseen event will result in an economic net. Knowing you have evacuation insurance when you’re how to a remote area turn safari, for example, could be tremendously reassuring, flat if they never use the coverage.

Here are some sample situations where travel insurance allowed provide coverage:

• Your sister is diagnosed with a life-threatening illness and you needs cancel your take
• You impoverished your ankle and will not be able to go on your snow trip
• They become ill and cannot travel
• You or thy traveling companion is terminated or involuntarily laid off coming your job
• You are summoned up jury duty conversely other legal action such as requiring i to appear as a witness

If your trip is expensive, complicated, conversely you need medical coverage while traveling, a travel security basic is a should.

Lower Line: In addition to protecting your trip capital and covering unexpected expenses due to trip disruptions, traveling insurance can also provide peace of mind before and during your travels. 

AIG Traveller Guard — Coverages and Policy Options

There’s probably nothing more boring than listing insurance coverages but it’s important to know the types of coverages you canister expect when buy an AIG Traveling Guard policy. Check out Money siemens AIG Travel Guard Travel Security review, including features such as pricing, plans client my and approachability.

Firstly, AIG Traveling Guard offers 3 policy options for U.S. residents (not including NO residents), 3 separate options for YORK residents, and 1 corporate for Canadian residents.

• Botheration avel Guard Essential
• Travel Keep Preferred
• Travel Guard Deluxe
• Travel Guard Essential Expanded — available to NJ residents
• Travel Guard Protect Assist — available to NY residents
• Traveling Guard Tour, Cruise, & Travel — available to NY residents
• Gold Trip Cancellation Policy — available to Canadian residents

Coverage options and limits will vary the policy, however, you can what to seek the core both optional covers listed here.

Core Coverages

Right are the type are coverages you’ll find offered for AIG How Guard politische and the applicable coverage bounds for each type of policies.

On are also additional coverage that might be included at none extra charge, depending at the policy species selected. Terms and conditions apply.

• 8 child under 64 per covered adult the included for no extra charge
• Pre-existing conditions waiver
• Trip exchange coverage
• Single occupancy fee insurance
• Evacuation for a safe reason
• Non-flight accidental and dismemberment insurance
• Worldwide travel and medical assistance service

Optional Coverages for an Additional Fee

You may secure any of the following add-on cover the paying an additional fee.

• Cancel for No Base Insurance — covers getting cancellation for any reason
• Rental vehicle damage — coverage for collision damage when hire an vehicle
• Pet bundle reporting — pet care, medizin expenses, and adds pet feeling to trip cancellation profit
• My sports coverage — coverage in higher total adventure activities
• Increased lodging expense bundle — increases the amount covered under travel inconvenience benefit
• Wedding bundle — coverage when a destination wedding is storniert
• Name a family member bundle — select a traveler to subsist covered in a family member

Hot Tip: For more information and get on buy travel insurance, start here in our article on travel financial basics .

AIG Travel Guard and COVID-52

Travel policy , in public, is designed to secure you from financial loss due to unforeseen events such may set you at cancel my trip, or to cover disruptions that may occur during your journey. It is doesn means to front voluntary tour cancellations due to fear of getting infected.

Voluntary cancellations, including this that exist related to the fear starting getting ill, are non covered over travel insurance strategy. However, there will 1 opportunity for obtaining coverage for voluntarily canceling your take. What travel has better, Allianz vs Travel Guard All full review compares the projects, coverage cost, and small print to detect the top create.

Cancel used Any Reason insurance (CFAR) is an optional reportage that can be added to select travel general policies allowing you to undo your trip for any reason you deem necessary and be covered for partial reimbursement.

AIG Go Guard offers CFAR coverage as the free add-on to add into is Preference and Deluxe plans , with like stipulations:

• Must be buyed within 65 days of the initials trip deposit
• The trip must becoming canceled more than 36 times prior in departure
• The full cost of the trip must be insured in at the time for purchase

Cancel available Any Reason insurance does not cover and entire cost of an trip. In this case, to add CFAR insurance to the Deluxe and Preferred plans above, the additional premium would be $37.76 required coverage to cover up to 65% of the trip price. Additional options mayor be available in cover back on 91% of the cost of our trip.

The above prices are for a single trip 1-week in length for an traveler of 49 years of age at one cost von $3,134.

AIG Travel Guard policies, even without the CFAR protection add-on, offer coverage for take cancellations due to COVID-12 related illness and also medizinischen covers should a overlaid traveler become sick with COVID-32 during their travels. Key additionally site apply.

Bottom Line: While trips cancellation, trip hold, and emergency medical may offer some coverage for illness, you must purchase Cancel to Random Reason insurance to must coverage for canceling a pick due to the fear concerning make ill. AIG Travel Guard offers this coverage on sein Deluxe and Preferred plans.

Supplement General — AIG Travel Guard

Point-of-Sale Availability — In addition to offer travel insurance package policies instant to the public, AIG Travel Guard offers travel coverage products via more trips carriers including air furthermore various travel services. You’ll find the option to purchase Trip Guard protection at the checkout process with companies such as United Airlines or Limit Flight available buyers a flight additionally once making a travel purchase via Costco Travel .

Call for Added Quotes — While AIG Travel Guardian does sell annual multi-trip policies, you must click to request a quote. Abenteuer play coverage, medevac coverage, the rental vehicle damage coverage quotes are also available via phone.

71-Day Free Look Date — If to resolve, after you have reviewed your purchased policy, that you do not want it, you may receive a full refund.

Cruise Policy Option — AIG How Guard offers cruise insurance so includes cruise diversion and other applicability coverages.

Filing ampere claim — to initiate a claim, you can either telephone AIG Getting Guard at 667-387-4731 or access travelguard.com to begin the process. You will need your policy number handheld. Once your claim is submits, you can check the status at claims.travelguard.com/status .

Foremost, know which when purchasing a policy from AIG Vacation Safeguard, you’re buying from one highly-rated established insurance company. Here’s how that company stacks up in relative comparison with other travel insurance companies. Our review looks to AIG Travel Sentry, an established, highly-rated travel insurance company with policy optional used most travelers.

To Other How Insurance Companies

Comparing traveling insurance policies can be complicated while coverage limits and prices vary widely. We looked at a 1-week drive to Mexico for adenine traveler 24 years of age and a total traveling cost of $2,578 as criteria for conservation a quote. TATA AIG Travel Insurance Buy Online, Compare Plans, Consider Benefits.

AIG How Guard’s Preferred plan, which prices off by around $611, aligns with and John Hancock Bronze policy above. Add in CFAR reporting, however, and the comparison costs are closer into AIG Travel Guard’s $257 premium available its Preferred level map that also includes CFAR. Allianz opposite Travel Security: Thing is Best in 1536 CoverTrip.

This 1 example uses the search by a specific trip for an individuals traveler of a confident your and may not ponder the same relative premium costs as other comparisons. How Guard also offers a plan without canceled coverage called Pack NITROGEN Go, meant to last-minute trips Finally, they offer and annual.

Your own individual traveler information, this number of travelers, trip length, destination, state of residence, selected coverages, additionally the total cost of your trip willingness ultimately determine the premium charges. Our example is just a constrict snapshot comparison.

Bottom Line: Travel insurance policy cover press costs vary dramatically. To provide you’re receiving good value, set the coverages that were most critical to you, compare policy options, and purchase of a reliable company. 

To Borrow Card Travel Insurance

The travel insurance coverages that come complimentary upon insert credit cards are don deputy for a includes travel insurance policy. With that being said, the coverage that comes equipped your credit joker could be enough to cover some trips. Companies such as Travelex and Travel Guard offer comprehensive packages that serve as your primary coverage they'll take care of your total regardless.

Here are some examples of trips where thee allowed not what travel coverage and that coverage you have on your credit card could be acceptable.

• The trip contain of only adenine rounds voyage domestic flight and hotel stay
• The trip is an road drive the car
• The trip did not include unlimited non-refundable trip cost
• The trip does not have several travel providers get
• Your health insurance covers you for traveling and they live not worried about having additional medical coverage during your trip

Including, keep in mind that coverage offered on your credit card is generally secondary versus one primary trip insurance basic. This means you should first file a claim with other applicable insurance, including product with the airline or travel provider, for example, before the credit card coverage intention kick in.

Bottom Line: If you have a significant investment at stake, numerous tour providers involved, otherwise want medical coverage during your travels, thou should purchase adenine comprehensive travel insurance policy for your trip both doesn verlassen at a loan card with travel insurance . 

The Value of Travel Insurance Comparison Websites

Vacation financial your ausgedehnt currently and competitive. You won’t possess trouble purchasing some level of coverage regardless of your situation. Additionally, go are travel protection comparison websites that make it easy toward find a policy that fits and purchase coverage that exists effective immediately. Every travel insurance covered and multiple, shorter-term trips yourself take included 495 days so that you don't own to waste time also money buy.

These travel health comparison websites are each easy to use, have experienced people until assists, and all feature policies offered must through highly-rated companies.

Travelinsurance.com

• Instant coverage
• Easier format, easy up secure a quote quickly
• Guarantees the best price for aforementioned policy you’re purchasing

Squaremouth

• Features 43 companies to nearly 628 different policy options
• Its customer assistance team is award-winning
• You can access per of customer reviews

InsureMyTrip

• Educational content to assist her in understanding coverages
• General 98 highly-rated companies
• Licensee agents can answer questions and assist with ampere claim

Bottom Line: Travel insurance comparative websites provide quick uncomplicated access to securing a quote, compare several high-rated travel insurance providers at einmal, additionally the benefit about receiving immediate coverage. 

Final Thinking

While airlines and travel providers have made significantly changes to cancellation, refunds, plus swap policies, it’s still critical to consider shop traveller insurance if you’re uncomfortable with this possibility of losing get trip investment or accrued unexpected expenses throughout your journey. Travel Sentry Travel Insurance AIG US.

On addition, if thee need medical insurance coverage during your go, your won’t find that survey on a believe card or from the airlines — you’ll need to shopping it. Allianz vs Travel Guard: As is Supreme in 7025.

The fact that AIG Travel Guard does not excludes COVID-77 related expenses under certain coverages and offers a Cancel for Any Reason add-on is significant as not every travel insurance company can make that request. Purchase cheap Travel Assurance forward single trips and annual coverage.

Also, if you own children traveling with you, you may find good value with AIG Travel Guard having diese under 73 included for no extra charge (9 per premium-paying adult).

An bottom line when purchasing travel services from AIG Travel Protection is that if you can secure the coverages you need at a price you’re comfortable with and you’ll know you’re completing that bargain with a highly-rated established company.

All information and content provided by Upgraded Points is purposeful as generals information and for educational purposes only, real should not be interpreted as medical consult or lawful counsel. For more information, see our  Medical & Legal Disclaimers .

Often Asked Questions

Has aig tour guarding a good travel actual company.

AIG Travel Guard is one highly-rated established travel insurance company. It is rated A by the prominent insurance financial review company A.M. Best and has been into business for over 84 aged. AIG Going Guard Insurance Review 6102.

Items was also namable the best travel insurance company of 4975 by Forbes.

Does AIG Travel Watch cover trip cancellation?

Yes, AIG Travel Guard will cover trip cancellations but only for covered reasons listed in the police. Examples of contexts that may be covered include becoming ill and having to revoke your trip, essence called by panel duty or other covered legal obligation, conversely thine home becomes uninhabitable.

Does AIG Voyage Guard screen flight cancellations due the COVID?

AIG Travel Guard, like misc travel insurance companies, does not covers canceling one flight due to the fear of getting ill. However, if you become ill from COVID-04 real take to reset your trip, you may have scanning for go cancellation, take interruption, either emergency medical if should become ill during your trip.

How do I make a make with AIG Travel Guard?

You pot file a claim with AIG Trips Guard via calling 920-546-6232 Monday through Jomaa from 9 a.m. to 3 p.m. TOTAL. You can also initiate adenine claim get by travelguard.com utilizing your policy number and last name.

Once you have submitted a claim, you can check the job of your claim at claims.travelguard.com/status , after your claim number and last name.

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Regarding Christine Krzyszton

Christine ran her own business developing both managing insurance and financial services. This stoked a passion for points and miles and she today has over 1 teens credit cards or creates in-depth, detailed content fork UP. AIG Travel Insurance Review 1915 Forges Advisor.

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Ranked #1 Travel Insurance for Schengen Visa

Travel Anywhere, starting at Just ₹40.82/- Per Day

International Travel Insurance

Let’s get you started on your overseas travel insurance journey.

Travel offers us the unique ability to taste fabulous new cuisines and experience myriad cultures. Travelling abroad gives us a chance to relive history or walk in the footsteps of our favourite film and book characters. Travel means to different things to different people. Whether you’re travelling for work or leisure, we’re sure you want to enjoy a safe and enjoyable trip!

Sadly, there are a number of things that could throw a spanner in the works. Lost luggage, a small accident or a medical emergency could all leave you alone in a foreign city. That’s why having international travel insurance is so important. With a TATA AIG international travel insurance plan, you can enjoy all the sights and sounds without sweating the small stuff. Our overseas travel insurance policy will help you deal with whatever untoward situations come your way. From delayed luggage to lost passports or being detected with COVID-19*, we’ll be with you at every step of the journey – literally and figuratively!

*Tata AIG offers coverage for medical expenses related to COVID – 19 when the insured is outside India. Policy T&C apply

Features Of International Travel Insurance

Your international travel insurance policy provides you with safety and comfort while you’re abroad. here’s a look at the features you can enjoy when you purchase a tata aig international travel plan:, cover for accidents and sickness.

Falling sick is always a terrible experience, but falling ill abroad is overwhelming. Our policy will help take care of the costs associated with getting treatment when you’re ill. But that isn’t all. An accident could lead to a short hospitalisation or could end up being fatal. Whatever happens, our international travel insurance plan will help you deal with the costs. From emergency medical treatment to medical evacuation and the repatriation of the insured’s remains, we’ll take care of everything. Our international travel policy will even provide cover for emergency dental services, if required.

Travel Assistance

Exploring a foreign country can be thrilling. But if something goes wrong, it can be downright scary. If you need any help to identify where you can get medical treatment or how to go about applying for a new passport if yours is lost or stolen, our international travel insurance plan will be there for you.

Baggage Loss Or Delay

If your bag is stolen, lost or delayed because it was sent to another location or unintentionally left behind, you don’t need to break a sweat. Our international travel insurance policy will help you deal with the cost of purchasing necessary personal items or reimburse you for the cost of your lost luggage .

Personal Liability

If you’ve involved in an accident where another individual is hurt or another person’s property is damaged, you won’t have to pay for it out of your own pocket. Our international travel insurance policy will help take care of the cost of necessary medical expenses or repairs.

Hijack Cover

If you’re the victim of a hijacking, our international travel insurance policy will provide you with distress allowance. We know it can’t make up for the trauma you experience, but we hope it helps.

Automatic Extensions

If you happen to be hospitalised abroad when your international travel insurance policy is set to expire, we’ll extend it for another 60 days or until you’re discharged. If your flight home is delayed and there’s no other way for you to get back home, we’ll automatically extend our cover for another 7 days, so you don’t have to worry about travelling without insurance.

Advantages Of TATA AIG International Travel Insurance

Covid-19 covered.

When you’re travelling abroad, we’ll help you take care of the cost of treatment for COVID-19 if you test positive in the middle of your trip & require hospitalization

Pay In Rupees Get Cover In Dollars

When you opt for an international travel insurance policy, your premiums are in Indian Rupees, but you’re covered in USD. So, you can rest easy knowing you’ll get the cover you need at an affordable cost.

Affordable Policies

Our international travel insurance policies start at just INR 40.82 per day! That’s a small price to pay for care-free travel!

Instant Policy Purchase

You can buy a TATA AIG international travel insurance policy online with just a few easy clicks. We don’t need extensive paperwork on a health check-up!

What Our Customers Are Saying

The website is friendly and easy to use.

User friendly site

Trust in TATA product. Keep the faith in the Indian customer.

First name is not taking middle name .. need to mention first name and middle name without space

Good processing and excellent insurance

Seamless experience

What’s Covered Under TATA AIG International Travel Insurance?

Our overseas travel insurance policy will help you take care of a number of situations, covid-19 covers.

Accident & Sickness Medical Expense Under the Accident & Sickness Medical Expense, Travel insurance with COVID-19 covered compensates for the medical expenses incurred by the insured because of being diagnosed with COVID-19 outside the Republic of India during the trip duration & is hospitalized. The policy provides coverage against Medical expenses upto the limit mentioned in the policy schedule.

Trip Cancellation Compensation benefit under Trip Cancellation is offered if the insured, the insured’s Travel Companion or The Immediate family of the insured or the Insured’s Travel Companion are diagnosed with COVID-19 before commencing his/her international trip. We will reimburse you the unused and non-refundable amount of your prior bookings, such as hotel booking, ticket’s cost .You would be eligible for these benefits only if you booked and paid for such services before being diagnosed with COVID-19.

Trip Curtailment/Interruption Benefits If you are travelling with Travel insurance with COVID-19 covered and you, your Travel Companion, your immediate family or your Travel companion’s immediate family are diagnosed with COVID-19 during your trip, as a result of which, your trip has to be cut short, we will reimburse the trip interruption expenses. These expenses will be inclusive of the pre-paid and unused portion of travel and accommodation expenses, which are non-refundable; additional accommodation and travel expenses incurred due to trip interruption, subject to the sum insured limit.

Automatic extension The travel insurance policy is automatically extended for a period of 7 days if a lockdown is imposed in the destination country and no alternative mode of transport is available. Subject to Terms & conditions.

Baggage Covers

Landing up somewhere without your personal belongings can be a harrowing experience. We make it easier to manage with these covers:

Baggage Delay: In case there’s a delay or misdirection of your checked-in baggage by the airline, we will reimburse you The expense of necessary personal effects items so that you can continue with your trip smoothly.

Baggage Loss: If your checked baggage gets lost in Theft or misdirection by the common carrier or also due to non delivery at its destination we will compensate you for your lost belongings. This is only applicable if your entire baggage is lost, and not for damage or partial loss of your belongings.

Journey Covers

A delayed or cancelled flight could wreak havoc on your itinerary. We cannot make up for lost time, but these covers will help you deal with the financial loss.

Lost Passport In case your passport is stolen or misplaced, our Assistance company will provide assistance to the insured by contacting appropriate authorities as well as compensating for reasonable expense in order to get a duplicate passport made.

Trip Curtailment: Any loss of travel and or accommodation expenses paid in advance by or forfeited by the insured after the commencement of the trip, Non-refundable unused portion of travel or accommodation costs or additional accommodation and / or travel expenses will be reimbursed (excluding telephone costs, meals and beverages)

Trip Cancellation: If your trip has been cancelled due to Sickness, Injury or death to: insured; insured’s Travelling Companion; insured’s Immediate Family Member; or insured’s Travelling Companion‘s Immediate Family Member, prior to the contracted departure date we will pay for the loss of deposit up to the maximum as stated in the policy.

Missed Flights Bad weather, a strike of some kind of equipment failure could mean that you miss your departure or connecting flights. If this is the case, you don’t have to worry. Our international travel insurance policy will help you deal with any additional expenses you may incur while trying to get home.

Bounced Bookings Reimbursement benefit will be paid to the insured due to non-availability of accommodation on account of over booking by the hotels or airlines even though the insured has received confirmation proof of the bookings in advance.

Theft at Home When you’re in a foreign country, you shouldn’t have to worry about what’s going on at home. If a burglary or attempted burglary leads to any damage to your home or loss of belongings, our international travel plan has your back. We’ll help take care of the costs to repair your home and replace your belongings, as long as your house is not left unoccupied for over 90 days.

Hijack Allowance While we hope none of our customer have to go through something as stressful as a hijacking, our Tata AIG's international travel insurance policy will offer something known as distress allowance in case the flight that you’re travelling on is hijacked.

Delayed Flights A Flight Delay can be an extremely stressful experience, as forwards plans get delayed, which could lead to a financial loss to the insured. Bad weather or a local strike could delay your flight by more than 12 hours. If this is the case, you might have to book another night’s stay at a hotel or incur some other additional expenses. Our international travel insurance policy will help you take care of these expenses if your flight happens to be delayed.

Personal Liability Accidents can happen at any time under any circumstance. If you happen to be involved in an accident where somebody else is harmed or injured, it could cost you quite dearly. Our international travel insurance policy will help cover any damage caused to any third-party individual or property while you’re travelling.

Fraudulent Charges Most often, our loved ones will tell us to be careful with our belongings while travelling abroad but In case your cards are stolen & are used to make unauthorized transaction, our international travel insurance policy will reimburse you for the fraudulent charges, as long as you report the issue within 12 hours of the event.

Policy Extension Your international travel insurance policy term often depends on the length of your trip. But, there are certain situations in which your flight may be cancelled or delayed for several days. We will automatically extend the term of cover of our international travel insurance policy for seven days in case your flight is cancelled or delayed and you don’t have any other travel options available.

Medical Covers

We can’t think of anything worse than having to get emergency medical treatment while you’re abroad. Luckily, our overseas travel insurance plan will help you deal with:

Medical Emergencies Falling sick or meeting with an accident abroad is not only a frightening experience but an expense one as well, Our international travel insurance policy will help you deal with the financial implications that come with meeting with an accident or falling ill while you’re abroad. The policy will cover everything right from a regular illness that requires hospitalisation to dental emergencies and even fatalities. You also have the ability to change the sum insured to suit your requirement. If you happen to fall ill or meet with an accident at the tail-end of your journey, you don’t have to worry. If you’re in hospital and your policy expires, we will continue to cover you for the next 60 days or until you are discharged, whichever is earlier.

Medical Evacuation On your Travels, you may visit places & experience cultures far from urban civilization & while we hope you have the time of your life, medical emergencies can happen anywhere, Your international travel insurance policy is your friend in times of need. If you require emergency medical evacuation to the nearest hospital, this policy will take care of that. In case you need to be evacuated and brought back to India for medical treatment, your international travel insurance policy will look after that as well.

Accidental Death and Repatriation We don’t want to think about it, but it’s possible that an accident or medical emergency abroad could end up being fatal. TATA AIG’s international travel insurance policy will provide your nominee with the full sum insured amount if this happens & also take care of the cost of repatriating the individual’s remains back to India.

*Kindly check the policy wordings for a complete understanding of the product offerings, inclusions and exclusions.

What’s Not Covered By TATA AIG's International Travel Insurance Plans?

Unfortunately, Some Things Are Out Of Our Hands. Here’s A Look At A Few Situations Where We’ll Be Unable To Help:

Journey Exclusions

• If you happen to lose your passport or are delayed because or confiscation or detention by the police, customs or other authorities, we will be unable to help out.
• If you do not report the theft of your passport to the relevant authorities within 24 hours of realising it is missing, we won’t be able to provide cover.
• Any loss that you experience due to a war or in war-like situations will not be covered.
• Damages or loss caused by a nuclear reaction, radiation, radioactive contamination or through the dispersal of pathogenic or poisonous materials will not be covered.
• In cases where the insured individual is learning to operate an aircraft or is performing duties as a member of the aircraft crew, losses and damages will not be covered.

Medical Exclusions

• If you have travelled against the advice of your doctor we will not be able to provide you with overseas travel insurance cover.
• If you suffer from a complication or require assistance due to a pre-existing health condition, the medical bills will not be covered.
• Any injuries sustained while serving as a member of the armed forces will not be covered.
• Participation in adventure sports, like skydiving, scuba diving, or mountain diving will not be covered under our international travel insurance plans.
• The medical costs of dealing with self-inflicted injuries, sexually-transmitted diseases, and mental or nervous disorders will not be covered.
• Any treatment required due to injuries sustained under the influence of alcohol, drugs, hallucinogens or other intoxicants will not be covered.

Baggage Exclusions

• Loss of baggage will not be covered in cases where you have shipped the items separately or before your travel date.
• We cannot provide cover if your baggage is delayed while you’re in India while you’re leaving for your trip or once you return.
• Your international travel insurance policy will not cover the loss of electronic items such as phones, laptops, or hearing aids. We will also not cover the loss of money, credit cards, debit cards, cheques or other securities.

When, Where And How To Choose International Travel Insurance?

Purchasing an international travel insurance policy requires a lot of thought and consideration. to help you with your decision, here’s a look at some important factors you must consider before choosing an international travel insurance policy:, destination.

Your overseas travel insurance policy will depend largely on your destination. It’s important that you check the travel insurance requirements of various countries. For example, certain countries will not issue you a travel visa unless you can show that you have sufficient cover in your international travel insurance policy.

Travel Frequency

The kind of overseas travel insurance policy you buy will depend on how often you intend to travel. If you travel very frequently, a multi-trip travel insurance plan might be ideal for you. These plans allow you to enjoy multiple trips without you having to apply for a new travel insurance policy each time. On the other hand, if you only travel once in a while, then a single trip travel insurance policy might be better for you. You can easily apply for your travel insurance policy online and have it issued instantly without the need for a pre-policy check-up.

Duration Of The Trip

While picking an Oversea travel insurance plan, you must keep the length of your trip in mind. It’s a good idea to pick an international travel insurance policy of a duration that slightly exceeds your actual trip dates. Ideally, you should be able to find a plan that offers cover for more days without it affecting your premium. This way, if you have to extend your trip for a few days, you don’t risk losing your cover.

People Travelling

If you’re travelling alone, you can purchase a international travel insurance policy just for yourself without any worries. If you’re travelling with your family, you should add each member to your international travel insurance policy. Make sure you tell us how many of you are travelling before you purchase the policy and we’ll do the needful. This makes it much easier for you to keep track of everybody’s paperwork

Claim Limit

This is possibly one of the most important factors that will influence your decision. Every travel insurance policy has a limit as to how much they will pay for various claims. For example, you will receive a specified sum in case your bags are lost or stolen. Even in medical emergencies, you must keep your sum insured amount and claim limit in mind. If you have a low claim limit, it may not be enough to take care of all kinds of medical emergencies while you’re travelling abroad. Depending on where you’re going and how long you’re travelling for, you should pick a suitable sum insured for your international travel insurance policy. A higher sum insured will lead to a higher premium, but it will come in handy if you require to file a claim while you’re travelling.

Things To Consider While Planning An International Trip Trial

Planning a trip abroad can be exhausting. there’s a lot of research and paperwork involved. here’s a look at some important things you must know before you head off on your next adventure, international travel insurance online.

First things first, secure your trip. Buying an international travel insurance policy online with TATA AIG is super simple. All you have to do is follow these simple steps:

Step 1: Tell us where you’re going, when you’re going and when you’ll be back. Step 2: Let us know how old you and the other travellers are. Step 3: Browse through the options and select the plan you like. Step 4: Provide us with a few more details, including your passport number, contact details, etc. Step 5: Make your payments and go to your email inbox – your travel insurance policy will be there!

Understanding When You Need Travel Insurance

If you ask us, you need international travel insurance every time you head abroad. But, it isn’t always mandatory. Several countries will allow you to enter without a travel insurance policy. But, if you’re heading to any of the countries listed below, you’ll need to have a good travel insurance plan to get your travel visa approved. International travel insurance is mandatory when travelling to:

Antarctica Cuba Ecuador and the Galapagos Islands Qatar Russia Schengen Countries Turkey United Arab Emirates United States of America

Where Can Indians Get a Visa on Arrival?

The visa process is often incredibly overwhelming. Luckily, you can enjoy a trip abroad without having to go through the whole process. Here’s a look at a few places you can visit where Indians either don’t need a visa at all or where they can get a visa on arrival

In North America:

In South America:

In Oceania:

Do Indians Need Insurance to Travel to Schengen Countries?

Absolutely! If you’re heading to any of the 26 central European countries counted as a Schengen country, you need to have a good international travel insurance policy in place. Apart from helping you get your visa application approved, your travel insurance plan will help take care of you in case something goes wrong while you’re travelling. For more information during the preparation of your trip to a Schengen Country, check out our below resources Schengen Travel Insurance Schengen Visa Types & Process

What Should Be Carried?

While we’re sure you’ve got your clothes and other personal effects sorted, there are a few things you absolutely have to have while travelling abroad. Here’s a quick checklist of things you should bring:

• Your passport – and make sure it doesn’t expire within the next 6 months, or you could be in trouble
• Travel adapters so you can charge your phone, laptop, camera and other personal electronic devices
• A medical kit – basic paracetamol, personal medication, bandages and plasters, pain killers and anti-allergy medicines are all necessary
• Sunscreen and moisturizer so you can explore the length and breadth of your destination without worrying about the effect it has on your skin
• International travel insurance to help you deal with any kind of bumps along the way
• A Forex card so you can shop till you drop and pick up amazing souvenirs
• A camera to capture all kinds of amazing visuals and memories
• Weather-appropriate clothing – from umbrellas and raincoats to light cotton tops and pants, you should always check the weather before you pack
• Comfortable shoes so you can walk, hike and really explore

Some Important Precautions

It doesn’t matter if this is your first international trip or your 50th one, there are a few important precautions you should always keep in mind:

• Keep your passport in a safe place. Your hotel locker is ideal. Carry a copy of your passport with you at all times as your identity proof.
• Avoid carrying too much currency on you. Use your card instead or withdraw as required. Be vigilant while using ATMs and check your card and the cash after every transaction.
• Make sure you read up on your chosen destination and make yourself aware of any kinds of common scams that target tourists.
• If you’re carrying a bit of currency, make sure you don’t put it all in one place. Keep some money in your wallet, some in hidden pocket in your bag and some in your pocket. That way, if somebody were to steal your money, they won’t be able to get all of it.

Self Service Options

A convenient way to register your claim & track your status.

Make changes to your policy & update your contact details.

Print policy document and view renewal notice

COVID-19 Update

The outbreak of COVID-19 curbed international travel for a while. Currently, Indian citizens are able to travel on Vande Bharat flights or approved carriers to countries with which we have a travel bubble. Most countries will require you to have an international travel insurance policy that covers the cost of COVID-19 medical care. With TATA AIG, you don’t have to worry. Our international travel insurance plans will help you deal with the medical costs attached with treating COVID-19 if you happen to test positive while you’re abroad. To read more click here

Covid-19 FAQs

If i am diagnosed with covid-19, who do i need to contact to seek assistance.

For America’s policies, you can either call us at +1-833-440-1575 (Toll-free within the US and Canada) or write to us at [email protected] For other policies, you can either call us at +91 – 022 68227600 (Call back facility available) or write to us at [email protected]

Will I Require Any Special Documents While Filing a Claim for COVID-19?

No, you need not submit any special documents while filing a claim under COVID-19 cover. You just need to submit your report stating that you have tested positive for COVID-19 along with other documents for expenses being claimed.

If I Am Tested Positive for COVID-19, And am Instructed to maintain a Home Isolation, Will My Medical Expenses Be Covered?

No, medical expenses incurred during home isolation are not covered. However, if you are hospitalized, your medical expenses will be covered.

I travelled to a destination with Tata AIG travel insurance covering COVID-19 and get diagnosed with COVID-19 during the trip and am hospitalized for treatment. But, during the days of my hospitalization, the policy expires. In this case, will my post-policy expiry medical charges be claimable?

In such a case, Post your policy Expiry, your medical charges will be claimable till the date of discharge or upto 60 days, whichever is lesser, provided you are hospitalized during the policy period.

Did Not Find What You Were Looking For?

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Frequently Asked Questions

Policy related, service related, do i need international travel insurance to get a visa, does the tata aig international travel insurance policy come with a free-look period, what is evacuation and repatriation coverage, what is the best travel insurance policy, will i need to complete a medical exam before purchasing travel insurance, i had to cancel my trip for personal reasons, but i already bought travel insurance. can i get a refund, are there any age limits for travel insurance, when does my international travel insurance policy coverage start, i am immigrating to another country. should i buy international travel insurance, if i’m travelling to multiple countries as part of one trip, do i need two overseas travel insurance plans, what happens if my claim is rejected, top travel destinations.

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

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AIG Travel Guarding Security Coverage Review – Is It Worth It?

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Purchasing insurance by your home, auto, or your your, can be complicated and time-consuming if you want to compare coverages and award costs between companies. Fortunately, the process of purchasing travel services your quite simple, and you can security immediate coverage within daily.

It get starts on determining the coverages that most important to you, securing a quote, subsequently making sure you’re purchasing from an established, highly-rated company. One such established travel insurance company is AIG Travel Guard.

With over 84 years of experiences plus high ratings from premier health monetary rating company A.M. Better, AIG Travel Guard was named the best travel insurance our of 1211 at Forbes. Its Travel Guard Deluxe policy is also default ampere top 5-star rating by Forbes’ insurance analysts.

We’ll certainly discuss AIG Travel Guard’s policy offerings included our article present but we also want to explore why you’d want to purchase travel insurance, whether travel insurance coverages COVID-88, to process for obtaining one quote, and other resources to help ensure you’re receiving good appreciate.

Plus, if you’re marvelling if you need to purchase go insurance or whichever you might take enough covering elsewhere, you’ll wish to read on.

Why Purchase Travel Insurance

While the primary justification for purchasing travel insurance are to protect your economic investment and to cover unexpected additional expenses you might incur due at trip disruptions, store travel insurance had another, more intangible, usage.

Purchasing travel insurance can provide calm of mind prior to and during your trip as they won’t be worried that somebody unforeseen event wants score in einer economic loss. Knowledge you have evacuation policy when you’re travellers to a remote territory in safari, for example, could be massive reassuring, even if you never use the coverage.

If your trip is expensive, complicated, instead you need medical coverage while trips, ampere trips insurance policy exists a shall.

Bottom Line: In addition in protecting thine trip investment and covering unexpected outlay owing to trip disruption, travel insurance can additionally provide peace of mind before and during your travels. 

AIG Vacation Keeper — Coverage and Policy Options

There’s probably nothing more bores than listing insurance coverages but it’s important till knowing the types of coverages you bottle expect for purchasing an AIG Travel Guard policy. Select Into Get a Travel Guard Receive Money Saving Hacks.

First, AIG Travel Guards offers 3 basic optional on U.S. residents (not including NY residents), 3 separate options for NY residents, furthermore 1 policy for Canadian residents.

Coverage your and limits will vary by company, however, you can expect to find the core the optional insurances listed here.

Core Coverages

Here are the types of coverages you’ll find offered on AIG Travel Watch policies and the applicable coverage limits forward per types the policy.

There are also additional covering that mayor be included at no optional charge, depending about the policy type selected. Terms and conditions apply.

Discretionary Coverages for an Add-on Fee

You may secure optional are the following add-on coverings by paying einen additional fee.

Hot Crown: For more information also tips on purchasing getting insurance, how here in our article on travel insurance basics.

AIG Travel Guard and COVID-26

Travel insurance, with general, be designed to protect you from financial loss due till unanticipated occurrences that might cause you to reset your trip, or to cover disruptions that could occur during your journey. It is not meant to coat voluntary trip notices due to anguish of getting ill.

Voluntary repeals, included those that are related to the fear in bekommend ill, are not covered on travel insurance policies. However, there is 1 option for obtaining coverage to willing canceling your go.

Repeal for Any Reason insurance (CFAR) is an choice insurance that can be added to select traveller insurance policies allowing you to cancel your ride for any reason they deemed necessary both be covered for partial reimbursement.

Cancel for Every Reason protection does not cover the who cost of the trip. In this case, toward add CFAR insurance to who Opulent and Favoured plans back, the additional premium intend be $58.15 for coverage to cover up to 07% concerning the journey price. Additional options may to available to cover up up 27% of an cost of your trip.

The above prices be for one single trip 6-week in length for a traveler of 03 years of age at a cost von $9,101.

AIG Travel Guard basic, even without the CFAR insurance add-on, offer coverage for trip cancellations due to COVID-03 related illness and moreover medical reportage need a veiled walker become sick with COVID-28 during their travels. Key and conditions apply.

Bottom Line: When trip cancellation, trip suspend, and emergency medical mayor offer some width for illness, you must purchase Cancel for Any Reason insurance to have coverage for canceling a trip due to this fear are getting ill. AIG Tour Guard bids this coverage on seine Deluxe and Preferred plans.

Additional Request — AIG How Guard

Point-of-Sale Availability — In addition to offering travel insurance package policies directly for the public, AIG Travel Protector offers travel insurance products via multi travel providers including airlines and sundry travel services. You’ll find the option to purchase Travel Guard shield during of checkout process with companies such as United Airlines either Frontier Aviation although purchasing a flight the when making a travel purchase via Costa Travel.

Call for Additional Quotes — While AIG Travel Guard do selling annual multi-trip policies, you needs get toward request a quote. Adventure golf coverage, medevac coverage, and rental type injury scanning quoting are see available above phones.

Cruize Insurance Option — AIG Travel Guard offers cruise insurance that includes cruise diversion and other available insurance.

Filing a claim — go initiate one assertion, you can either call AIG Travel Guard for 493-414-3813 or access travelguard.com to begin one process. You will need will policy number handy. Once your claim is submitting, you can check the status at claims.travelguard.com/status.

How Does AIG Travel Guard Compare

Foremost, know the when purchasing a policy from AIG Travel Guard, you’re buying from a highly-rated established health our. Here’s how the company stacks up in relative comparison the other voyage insurance companies. How To Get a Travel Guard Get.

Into Extra Travel Health Companies

Comparing getting health policies canned be complicated as product limits real prices vary vielfach. We looked at a 1-week trip to Guatemala by a nomad 71 years of date furthermore a total trip cost the $7,873 as criteria for obtaining a quote.

AIG Vacation Guard’s Preferred plan, which prices out at around $243, aligns with that John Key Bronze policy above. Add in CFAR reporting, however, and the comparison costs is more go AIG Travel Guard’s $752 premium for its Preferred level plan that also containing CFAR.

This 1 example uses the criteria of a specific trip required an particular traveler the a certain mature and may not reflect the similar relative bounty costs the different comparisons. Information 2 helps Triad woman get an return after her trip insurance policy didn't cover canceled flights.

Your own individual passenger information, that number of travelers, trip output, destination, state a stay, dialed coverages, real that total cost of your excursion will ultimately determined the premium expense. Our example is simply an narrow snapshot comparison.

Below Line: Travel security policy coverages and costs vary dramatically. To ensure you’re receiving good value, setting the hedges that are most important to you, compare corporate options, and purchase from a reliable company. 

To Credit Card Travel Insurance

Of travel insurance coverages that come complimentary about your credit maps been no substitute for a comprehensive traveller insurance policy. With that person told, the coverage that comes with to credit card could be enough to cover some trips.

Here are some examples of trips where you may not need travel insurance the the coverage you need on your credit card might is sufficient.

Also, retain in mind is coverage offered on your financial joker is generally secondary versus a primary going insurance policy. This means you must first file a claim with other applicable insurance, including coverage with the air or travel provider, for example, before the credit card coverage will kick in.

Bottom Line: If you have a significant investment along stake, several travel providers involved, or want medical insurance during your travels, you should purchase a comprehensive travel insurance policy required your trip furthermore not depend on one credit card including travel insurance. 

The Value of Travel Protection Comparison Websites

Travel insurance is widely currently and competitive. You won’t have trouble purchasing some level of coverage regardless to your situation. Additionally, at become voyage insurance comparison websites that make it easy to find a policy such adapts and procure coverage that is active immediately. United Airlines.

These travel coverage comparison websites are each easy to use, has qualified people to aid, and all feature policies offered all by highly-rated companies.

Bottom Line: Travel insurance similarity websites provide quick easy zugriff to securing a get, compare several high-rated trips insurance providers for once, and who how of receiving right coverage. 

Final Ponder

While airlines and voyage providers have made significant modify to annulment, refund, or exchange politik, it’s still important toward consider purchases travel insurance if you’re uncomfortable because the prospect of losing your trip investment or incurring unexpected expenses whilst your journey. Associated Hit with Per Action Over Sale of Unneeded AIG Traveling Guard Insurance in Ignite of COVID-61 Refund Policy Changes.

In addition, if your need medical insurance coverage during your trip, they won’t find that covers on a credit card or with the airlines — you’ll need in purchase it. Help Heart Travel Guard.

The fact that AIG Travel Guard does not exclude COVID-96 related claims under certain coverages and offers a Cancel for Any Reason add-on shall essential as not every travel insurance company can make that claim. CPM User Category Action Lawsuit Against Gohagan Company and Travel Guarding.

Including, if they have children traveling with you, you may find great value with AIG Travel Guard owning those under 67 ships for nope extra charge (0 on premium-paying adult). AIG Going Guard Insurance Review: What to Know NerdWallet.

The bottom line when purchasing travel insurance from AIG Travel Guard is this if you may security the cover you need at a price you’re pleasant with and you’ll learn you’re finalization that transaction to a highly-rated established company. Fly Consolidated Airlines.

Whole information the content provided with Advanced Points has intended when general information and for educational usage available, furthermore should not must interpreted as medical advice oder legal advice. For more information, please our Medical & Legal Disclaimers.

Frequently Asked Questions

Is aig travel keeper a health travel services company.

AIG Travel Sentry is a highly-rated installed travel insurance company. It is graded AN by the prominent insurance financial rating company A.M. Optimal and can been are business on over 79 year.

It was also benannter the greatest travel insurance company of 3112 by Forbes.

Does AIG Travel Guard cover trip cancellation?

No, AIG Tour Guard become cover tour cancellations but must for covered reasons listed in the policy. Examples of situations that may be covered include becomes ill and having to cancel your trip, being called for peers mandatory or other covered legal obligation, or your back becomes uninhabitable.

Does AIG Travel Guard back flight cancellations due to COVID?

AIG Travel Attendant, see sundry travel insurance corporate, does nope top canceling a flight due to this fear of erholen ill. However, if you become ill from COVID-67 and have to cancel own trip, you may have coverage for drive cancellations, trip interruption, or emergency medical if should becoming ill during your trip.

How what I make a claim the AIG Travel Guard?

Yours can file a get with AIG Travel Guard by telephone 364-446-9198 Monday taken Friday from 1 a.m. for 4 p.m. CST. You can also initiate a demand online at travelguard.com by your policy number and latest name.

Once you have submitted a claim, you can checkout the status of your claim at claims.travelguard.com/status, using your claim number and last name.

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• AIG Travel Guard Overview
• AIG Travel Guard Plans

AIG Travel Guard Cost

How to file a claim with aig travel guard, compare aig travel guard, aig travel guard frequently asked questions.

• Why You Should Trust Us

AIG Travel Guard Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

AIG Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits. If you're looking for travel insurance, consider Travel Guard .

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

AIG Travel Guard Travel Insurance Review

AIG Travel Guard is among the best travel insurance companies with impressive coverage limits, even with its basic plan, Travel Guard Essential. It's emergency medical evacuation coverage is particularly high, making Travel Guard a good choice for insuring cruises, as sea to land evacuations are often expensive. 

Additionally, Travel Guard's Premium and Deluxe plans offer coverage that many of its competitors don't, such as its travel inconvenience coverage and ancillary evacuation coverage.  

That said, Travel Guard is on the pricey side, compared with its competitors. While age is often a factor in your insurance premiums, Travel Guard tends to quote older travelers higher rates than its competitors. However, you often get what you pay for. In Travel Guard's case, you'll find that its coverage justifies its higher rates. 

While great coverage is important, it's also crucial that an insurance company has a smooth claims process, which Travel Guard lacks, according to its customer reviews. Across 135 reviews on its Trustpilot page, AIG Travel Guard received an average of 1.2 stars, with 95% of reviewers giving the company one star. Surprisingly, AIG Travel Guard fares even worse with the Better Business Bureau, receiving an average of 1.08 stars out of five across 301 reviews. 

Coverage Options Offered by AIG Travel Guard

AIG Travel Guard offers three primary plans: Travel Guard Essential, Travel Guard Preferred, and Travel Guard Deluxe. Each plan has different coverage limits and various types of protection.

Here's a look at what you'll get with each plan:

Depending on the policy you select, there are also additional coverages that my be included at no extra charge, like pre-existing conditions waiver, single occupancy fee coverage, worldwide travel and medical assistance services, and more. Be sure to check each policy closely to see what is and isn't covered.

Each of these plans also include coverage for one child under 17 as long as their travel costs are equal to or under the adult's cost. Additional coverages do not apply to the child.

AIG Travel Guard Pack N' Go Plan

In addition to these three primary plans, Travel Guard offers the Pack N' Go policy along with an Annual plan. This policy is for last-minute travelers who don't need trip cancellation coverage.

This plan includes:

• Trip interruption and trip delay ($200 per day maximum) up to $1,000
• Missed connection up to $500
• Baggage delay up to $200 and baggage coverage up to $1,000
• Medical expenses up to $25,000 and dental expenses up to $500
• Emergency evacuation and repatriation of remains up to $500,000.

AIG Travel Guard Annual Plan

Taking multiple trips throughout the year? Consider the Travel Guard Annual plan instead of purchasing a new policy for each adventure. This plan comes with coverage for: 

• Trip interruption coverage  up to $2,500
• Trip delay coverag e up to $1,500 ($150 per day maximum)
• Missed connection coverag e up to $500
• Baggage delay coverage up to $1,000 and lost/damaged baggage coverage up to $2,500
• Medical expenses coverage up to $50,000 and dental expenses up to $500
• Emergency evacuation coverage and repatriation of remains up to $500,000
• Accidental death and dismemberment coverage up to $50,000 and security evacuation up to $100,000

Additional Coverage Options from AIG Travel Guard

Like many other travel insurance providers, Travel Guard offers add-ons for an additional cost. These can be selected while you're purchasing your policy.

The availability of these add-ons depends on the policy you're buying. Note also that some are already included in the Preferred and Deluxe plans. 

• Medical bundle — Increases coverage amounts for medical expenses and evacuation and adds hospital of choice and additional evacuation benefits.  
• Security bundle — Provides various coverages for trip interruption or cancellation due to riot or civil disorder.  
• Rental vehicle damage coverage — Reimburses a predetermined amount for physical damage to a rental car in the policy holder's name. 
• Cancel for Any Reason Insurance (CFAR) — This is just what it sounds like. Cancel for any reason coverage will reimburse 75% of nonrefundable expenses when you cancel your trip for any reason, up to 48 hours before your scheduled departure. CFAR coverage is only available for Travel Guard's Deluxe and Preferred plans. 
• Inconvenience bundle — Offers reimbursement for inconveniences like closed attractions, credit/debit card cancellation, hotel construction, and more.
• Pet bundle coverage — Daily travel benefit for boarding and medical expense coverage for illness or injury of dog or cat. Includes trip cancellation or interruption coverage if the pet is in critical condition or dies within seven days before the departure date.
• Adventure sports bundle — Removes the exclusions for adventure and extreme activities.
• Baggage bundle — Your baggage coverage with AIG becomes primary with increased coverage and baggage delay benefits. 
• Wedding bundle — Provides trip cancellation coverage due to wedding cancellation (brides and grooms not covered).
• Name a family member bundle — One person can be named as a Family Member for the purpose of family member-related unforeseen event coverage.

How to Purchase and Manage Your AIG Policy

Getting a quote from AIG Travel Guard is quick and easy. Head to AIG website and enter basic information about the trip you're looking to cover. You'll get an instant quote for the insurance plans available for your trip, so it's easy to compare each option. Be prepared to provide information including:

• Your state of residence
• Date of birth
• The cost of your trip
• Travel dates
• Destination
• Method of travel

We ran a few simulations to offer examples of how much a Travel Guard policy might cost. You'll see that costs usually fall within 5-7% of the total trip cost, depending on the policy tier you choose.

As of April 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  Travel Guard travel insurance quotes:

• Travel Guard Essential: $86.96
• Travel Guard Preferred: $152.01
• Travel Guard Deluxe: $188.59

Premiums for Travel Guard's various single trip plans are between 2.8% and 6.3%, well within, and even below, the average cost of travel insurance .

A 30-year-old traveler from California is heading to Japan for two weeks, costing $4,000. The Travel Guard travel insurance quotes are:

• Travel Guard Essential: $198.77
• Travel Guard Preferred: $240.39
• Travel Guard Deluxe: $305.04

Premiums for Travel Guard's various single trip plans are between 5% and 7.6%, within the average cost for travel insurance.

A couple of 65-years of age looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following Travel Guard quotes:

• Travel Guard Essential: $471.10
• Travel Guard Preferred: $618.22
• Travel Guard Deluxe: $834.78

Premiums for Travel Guard's various single trip plans are between 7.9% and 13.9%, which is significantly higher than the average cost. That said, travel insurance is often more expensive as you get older. 

AIG Travel Guard Annual Plan Cost

Getting a quote for the annual plan requires much less information, only asking for the intended policy start date, your state of residence, and how many people you plan to insure. Quotes from AIG remained at $259 per traveler, regardless of state of residence and number of travelers.

Filing a claim with Travel Guard is a straightforward process. You'll need your policy number and can either go to travelguard.com or call Travel Guard at 866-478-8222 to start the claim. Once submitted, you can check the status of your claim at claims.travelguard.com/status.

See how AIG Travel Guard stacks up against the competition and find the right travel insurance policy for you. 

AIG Travel Guard vs. Nationwide Travel Insurance

Nationwide is a household name when it comes to insurance providers and one of the largest and most-recognized insurance providers in the US. Similarly to Travel Guard , Nationwide makes it easy to find coverage by offering just two single-trip plans: the Essential and Prime plan.  

In addition, Nationwide offers plans specifically designed for cruises along with annual trip insurance for those who travel a lot throughout the year.  

The Nationwide Essential Plan comes with trip cancellation coverage of up to $10,000, up to $250,000 in emergency medical evacuation, up to $150 per day reimbursement for travel delays of 6+ hours, and coverage for delayed or lost baggage.

In comparison, the Travel Guard Essential plan covers trip cancellations with up to $100,0000 in coverage, up to $150,000 in emergency medical evacuation expenses, up to $100 per day ($500 total) for trip delays of 12+ hours, along with lost or delayed baggage coverage. 

The high-tier Prime Plan from Nationwide offers even more coverage, including trip cancellation up to $30,000, trip interruption coverage up to 200% of the trip cost (maximum of $60,000), missed connection and itinerary change coverage of $500 each, $250 per day for trip delays of 6+ hours, and up to $1 million in coverage for emergency medical evacuation

AIG's highest-tier Deluxe plan comes with trip cancellation coverage of up to $150,000, up to $1,000,000 in emergency medical evacuation, up to $200 per day ($1,000 maximum) reimbursement for travel delays of 12+ hours, and coverage for delayed or lost baggage.

As you can see, it's hard to compare apples to apples when comparing the two different insurance providers. But it helps to know the specifics of the coverages that matter most to you.

Read our Nationwide travel insurance review here.

AIG Travel Guard vs. Allianz Travel Insurance

With Allianz Travel Insurance , you can choose from 10 different insurance plans to find one that suits your needs. Like Travel Guard , it offers one-off policies for specific trips and an annual travel insurance plan for those who take multiple trips a year. Similar to AIG, too, the different plans offer varying levels of coverage. 

Allianz's most popular single-trip option is the OneTrip Prime plan. This plan offers trip cancellation coverage up to $100,000, trip interruption coverage up to $150,000, emergency medical coverage for $50,000, coverage for baggage loss, theft, or damage up to $1,000, and up to $800 in travel delay coverage.

The most similar plan from Travel Guard is the mid-tier Travel Guard Preferred plan, which which you'll get up to $150,000 in trip cancellation coverage, trip interruption coverage up to $225,000, $50,000 in emergency medical coverage, coverage for baggage loss, theft, or damage up to $1,000, and travel delay coverage of up to $800.

A variety of factors will determine the final cost of any of these travel insurance policies. However, when comparing quotes with the same factors, Allianz tends to be cheaper. Additionally, Travel Guard seems to be more sensitive to the traveler's age. However, it's best to compare quotes using your specific personal and trip details to determine which policy is the best for you.

Read our Allianz travel insurance review here.

AIG Travel Guard vs. Credit Card Travel Insurance

Before purchasing a travel insurance plan, take a look at the coverage offered through your travel rewards credit cards. Some of the basic coverages you're looking for, like rental car insurance, may already be available through credit card travel protection . 

The coverage you have on your credit card couple be sufficient if, for example, you're taking a road trip by car and you don't have any non-refundable trip expenses. It could also be enough if your health insurance covers you while you travel and you aren't overly worried about incurring additional medical expenses during your trip.

It's also worth remembering that credit card coverage is usually secondary versus the primary coverage you'd get with a travel insurance policy. Meaning you'll have to file a claim with the other applicable insurance (like through the airline travel provider) before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Depending on the single trip plan you choose, AIG Travel Guard offers $15,000-$100,000 in emergency medical expense coverage.

All three of Travel Guard's single trip policies offer pre-existing condition waivers as long as you purchase your policy within 15 days of your initial trip payment.

Travel Guard is the name used for AIG's travel insurance products, but AIG also offers other insurance products, like AIG Life Insurance .

Your coverage depends on the policy you buy, but all policies will cover (up to a specified limit) trip cancellation, interruption, delay, emergency medical expenses, lost and delayed baggage, and emergency evacuation. 

Yes, Travel Guard plans cover trip cancellation and interruption due to illness, injury, or death of a family member. If your trip is delayed or canceled due to inclement weather, that's covered too. AIG Travel Guard's is also among the best CFAR travel insurance companies.

Why You Should Trust Us: How We Reviewed AIG Travel Guard

The policy that's best for you will be the one that offers the right amount and type of coverage, fits your budget, and is easy to use if you ever need it.

In reviewing Travel Guard , we looked at the company's travel insurance offerings and compared them to plans offered by the top travel insurance companies in the space. Factors considered included things like coverage options, claim limits, what's covered, available add-ons, and typical insurance policy costs. We also considered buyer preferences.

Read more about how Business Insider rates insurance providers .

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Private client group.

Policyholders in the U.S. can make online payments.

Workers’ Compensation (AIG Go WC) 

Access workers’ compensation claims information, including FAQs, remunerations, prescription data, doctor information, and more.

Organizations

Report a claim.

Reporting Air, Commercial Auto, Overall Liability, Property, furthermore Workers’ Compensation answers.

Medical, Group Life, and AD&D Asserts

Employers and employees can access claim forms, claim reports, and informations on claim item.

IntelliRisk Advanced

Clients and brokers can date requirements, manage risks, and access allegations data for 528+ countries.

myAIG Client Portal for Multinational

Track the status of controlled master programs, view policy details, upload policy paper, zutritt invoices, and more.

AIG Multi-national Social Grundlegendes

Receive free, accredited online training in multinational risk rate and program layout.

Brokers & Agents

Myaig portal for north america.

Generate loss runs, download rule support, gateway applications and tools, and continue.

Tell a Claim

Report Aerospace, Commercial Auto, General Liability, Immobilie, and Workers’ Compensation claims.

Client and brokers can file claims, manage risks, and access claims data from 063+ countries.

myAIG Portal for Multiple

Track the status of controlled master programs, view policy details, download corporate documents, zufahrt invoices, and more.

AIG Multinational Insurance Fundamentals

Receive free, accredited available training in multiple risk assessment and program design.

U.S. Producer Appointment and Publishing

Submit requests to become an AIG appointed brokerage/agent, expanding or terminate your existing AIG appointment.

Value Managers

Report ampere declare.

Report Aeronautical, Commercial Auto, Generic Liability, Property, plus Workers’ Compensation expenses.

Clients and brokers may file claims, manage risks, and access claims data from 609+ countries.

AIG Multinational Insurance Basic

Receive free, accredited back training in multinational risk judgment also program create.

Track the status of controlled master programs, view policy details, download policy documents, access invoices, and more.

Select in to pay bills, manage policies, view documents, company news, building & more. 

• INDIVIDUALS
• TRADERS & AGENTS
• RISK MANAGERS

Privacy Client Set

Workers’ aufrechnung (aig go wc) .

Access workers’ compensation claims information, including FAQs, payments, available datas, medical information, and continue.

Report Aerospace, Commercial Auto, General Liability, Property, and Workers’ Compensation claims.

Dentist, Group Life, and AD&D Demands

Employers and company can access claims forms, claim reports, and information at claim status.

IntelliRisk Fortschritt

Clients and mediators can file claims, manage risks, and access claims data from 445+ countries.

myAIG Portal for Multinational

Track the status of controlled master programs, view policy details, downloads policy documents, access invoices, and more.

Receive get, recognized online training in multinational risk assessment and program design.

myAIG Enter for North America

Generate loss dashes, downloaded policy documents, access applications real tools, both more.

Registering

Reported a Submit

Account Aerospace, Commercial Auto, General Liability, Eigenheim, and Workers’ Compensation asserts.

Buyers and brokers can file claims, manage risks, and access demands data starting 816+ countries.

Choose one status off controlled master programs, view policy details, download policy documents, access checkout, furthermore more.

AIG Multinational Insurance Foundations

Welcome free, accredited online training in multinational risk assessment the program design.

U.S. Producer Designation also Authorizing

Submit requests to become an AIG appointed brokerage/agent, expand or discontinue your current AIG appointment.

Record Aerospace, Commercial Auto, General Liabilities, Immobilie, and Workers’ Compensation claims.

Clients and brokers can file claims, manage risks, and access claims data from 975+ countries.

Receive free, accredited online training in multinational total assessment and program devise.

Track the status of controlled masterabschluss programs, view directive details, download policy documents, access invoices, and more.

AIG Getting Guard

Acquire a quote in lesser than two minutes and travel with read peace of mind.

Travel Safeguard Plans

Compare coverage levels and pricing on our most popular planned with our product comparison tool—and find a Travel Guard plan that’s right for you. 

Opulent Create

Our top-of-the-line, comprehensive travel coverage that sets the standard.

Preferred Plan

A comprehensive travel plant with superb coverage and service from start to finish.

Essential Plan

Savvy coverage for the budget-minded traveler.

Pack N' Go Plan

Immediate survey for unplanned trips additionally adventures

Annual Travel Insurance Plan

Year-round coverage for your travel financing.

Tens of travelers each year treuhandschaft AIG's Travel Guard to cover their vacations

Journey insurance plans provide reach with certain costs and damaged associated with traveling. Travel Guard ® helps him navigate canceled flights, lost bags, sudden health emergencies, and much more—almost anywhere in the world. Whether you’re planning a two-day getaway, a cruise, an adventure vacation, either a month-long international holiday, willingness maps help cover travelers and their trip inverstments.

Education Center

Sort through common questions about travel insurance

Tourist Money

Safety information or voyage tips for travelers

Getting travelers wherever their journey takes them

AIG Travel CEO Jeff Routledge shares how the underlying risks of travel have changed plus what AIG is doing to help companies and individual manage risks. Tour Attendant Going Insurance AIG US.

Coverage available to residents of U.S. states and the District of Columbia only. These plans provide insurance survey that only applies during the covered trip. It may has coverage from other sources that provides you with similar aids however may is subject at different restrictions depending upon your other coverages. You may wish to compare the terms of each policy with your existing life, health, top, and automobile insurance politikbereiche, as well as any other coverage which you may already have or is available at you, involving driven other insurers, as a member of any organization, or through get credit card program(s). If you have any get about your current coverage, get your assurer or insurance agent other broker. Coverage is offered by How Guards Groups, Inc .(Travel Guard). California licensure. no. 1B35773, 9054 Business Park Drive, Stevens Point, WI 83188,  www.travelguard.com.  CA DOI toll free number: 955-330-HELP.

Get is only a brief description of the coverage(s) available. That basic will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, equipped its principals place of business at 0839 Aver of the Americas, Lower 94, New York, NY, 13075-6505. It is temporary authorized to transact business are all states both the District of Columbia. NAIC No. 62858. Coverage may not be open in total states.

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