Filing a Claim With Travel Guard Insurance Provider

When you need to file a claim with Travel Guard, call 1-800-826-1300 between the hours of 7a.m. and 7 p.m. CST to request a claim form. There are eight different types of claims that can be filed through Travel Guard, including:

  • Trip Cancellation
  • Trip Interruption
  • Travel Delay
  • Medical Expenses
  • Baggage Loss
  • Baggage Delay
  • Change of Mind
  • Collision Damage Waiver

Each of these claims require different documentation for the claim to be properly processed. Details about proper claim documentation can be found on the claims page here http://www.travelguard.com/aboutus/claims/claimsTG/ .

About a Travel Guard Insurance Travel Plan

Travel Guard is a travel insurance company that collaborates with more than 10,000 travel companies to provide travel insurance for customers in more than 160 countries. Everything from medical expenses to lost baggage coverage is available from Travel Guard. Travel Guard operates as a Chartis Insurance company.

Coverage Details

Coverage details for travel insurance from Travel Guard may differ from one state to the next. In order to learn more and compare plans, you must enter your state of residence. Some of the insurance policies available through Travel Guard include:

  • Single Trip
  • International
  • Golf Travel
  • Travel Medical
  • Family Travel
  • Business Travel

Where to Get a Quote: Travel Guard Insurance Contact Info & Login

If you’d like to get a quote for travel insurance, you can visit http://buy.travelguard.com/TGI2/proc/stateselector.aspx?br=tgdirect&pcode=MYTG&intcmp=clc-001-WYWI-Jan12-Cruise1-Btm&arc=000329 and enter your state of residence (in the United States). Once you enter your state, you’ll be asked to fill in some information about your trip, including your destination, departure date, trip deposit date and final payment date. You will also be asked the number of travelers and their dates of birth.

For more information on a current policy, you can use one of the contact numbers or email address below. You can also visit the customer service page to log in to your account, modify your insurance details and more at http://www.travelguard.com/customerservice/?intcmp=clc-001-Nav-5-CustomerService .

By phone: 1-800-826-1300

By phone (emergency contact): 1-800-826-4919

By email: Use the contact form here http://www.travelguard.com/aboutus/contactus/ to contact the customer service department.

Travel Guard 3300 Business Park Drive Stevens Point, WI 54482

Official website: http://www.travelguard.com/

To check on your claim status , go to http://buy.travelguard.com/tgi2/support/claims.aspx?br=tgdirect and enter your Claim Number and Claimant’s Last Name and click the View Claim Status button.

My wife and I experienced a 24 hour trip delay on our trip to Amsterdam on April 25, 2013. A copy of our trip invoice from Viking River Cruises and a copy from United Airlines explaining their flight delay was mailed to your office on June 24, 2013 and received in your office and signed for on June 24, 2013. When I went to your web site to check on my claim it said the records cited above had not been received. I would like to have an explanation about the situation, and be told when the claim will be processed and paid. David L. Sockler

Website is terrible. Cannot find claim form and any information irrelevant to my claim.

You wanted me to submit claim twice??? Policy # 1206626153. I would never have purchased this knowing the claim submission would be impossible. Do you have record of this?

My wife was sick and went to the local hospitals Urgent Care/Emergency Room the day before our trip to Boston. The doctor told her she had a bad virus and to stay in bed and that it would take 7-10 days to run its course. I have the Doctors name and the nurse who was with him. I also have the pertinent address, phone numbers, etc. What I don’t have is all the medical records for her for the last 6 months and the long form filled from the doctor….We are old and not very computer savy..Why cant you just call the hospital and talk with them and they can confirm everything????

this whole thing apparently is a fraud. Send you to sites with no help from expedia/or insurance.

Another scam, make it as difficult as possible until you give up

The comments section for “Travel Guard Insurance Claim” tells all when you see that ALL comments are overwhelmingly NEGATIVE. And my experience with Travel Guard is no different. After so much time and effort is fruitlessly spent in attempting to receive a refund on your plane fare, you finally realize that you are wasting your time and, in agreement with some of the negative comments I read, that this is indeed just another scam. So inform everyone you know of this SCAM so they don’t fall victim to it like obviously so many others already have (Parties involved in my case: 1) American Airlines, 2) Travelocity, 3) Travel Guard .

I need to cancel travel plans for my and my sister

need to file a claim , but after reading these comments , seem like I’m stuck or scammed.. why would expedia allow them as a second insurance on the page ..

Terrible Going to mail in my claim can’t do it online

I have read all these negative remarks by clients that had purchased your travel guard INS. 7 I surely hope that I am not having the same experience as all the peoples claims that I have read, also the filing claim on your web site is terrible

I made this flight then found out my mom was terminally ill changed my flight to Minnesota and cancelled my flight to Arlanta

OK I will let the New York attorney general know what is going on here and see what they say and do about your company. there is no form here to fill out. Only a lot of very angry customers getting ripped off. you kept me on the phone line for a very long time with no one to talk too. you are charging everyone insurance and just keeping the money. I paid $92.for nothing. it seems everyone paid for nothing here. Not even one person said thank you for your good service. everyone is very mad.

Cannot get on phone with an agent or customer service representative. Cannot get a claim form to fill out on line or one to print and fill out. What kind of service do you offer?

This is Bullshit, cannot make out how to file a claim. will continue to call and press until I get what I paid for, will advise everyone I know to avoid this policy offer, avoid any travel site that offers travelguard…

You make it almost impossible to file a claim or get any help. This was a total waste of time and money.

This is a scam i will contact the AG i will never use travel guard or expedia again ever take myairline ticket and shove it

I’ve had an awful experience with this company. The website is worthless. When I attempted to find out the progress of my claim I was advised that there was no such claim. It appears that like almost all the customer comments I’ve read I am a victim of a scam as well. Consequently, I will be filing a complaint with the California Attorney General’s office. I booked airline tickets and purchased the insurance on Expedia. How could it be possible that customers could have this level of dissatisfaction with the service and Expedia not be aware of it?

I filed a claim. Haven’t heard anything back regarding my claim. Been over a month. This is a scam.

Very poor service. Cannot contact a rep. by phone and cannot find the right forms on line to print to file a medical claim. Spent two hours and still no results. Still holding on the phone…terrible service.

ditto as above; cannot contact any company rep by phone and cannot find correct forms online, under section 4 of website. this is a worldwide pandemic, COVID-19 and CDC indicated level #3 avoid non-essential travel! Your company is a total scam

CANCELLED my cruise due coronavirus and medical condition. all I want is the premium refunded $144 dollars. I never used the insurance and we are not scheduled to depart until Oct. 2,2020 six months from now. I have discussed this with TRAVELOCITY AND TRAAVEL GUARD AND EACH ONE TELLS ME TO CALL THE OTHER ONE. no one will solve the issue.

I will never ever buy insurance on anything after dealing with this company . Disgusting

why u have to go trough. so much to file a claim. I’ll never purches ins. again with you!!through Frontier air line.

This is a total scam. Tried to make a claim and the website kept directing me to add mutliple chrome extensions. Makes no sense. I will NEVER buy travel insurance again!!!

I can’t believe you people stay in business!

Indeed horrible company if anyone need insurance please bypass this company it will break your heart please pass this information to all friends and family. I am very disappointed but if you do decide to venture into this abyss note that resolve is the art of the day.

Our cruise that we boarded on Feb 2020 was interrupted due to Covid. Filed a claim. Their website is terrible. I have called several times and I am told that they are sooo swamped that it’s just taking longer. Months have gone by. Who can I contact to report this- they took my money and have failed to deliver.

Your insurance is a scam I have reying to get my money back for months They denied my claim for the wrong reason Keep telling me they will reopen my claim they will call nothing Will not let you talk to claims department I will file a claim with State Board Of Insurance against your company

This insurance is truly the most frustrating and fraudulent I have ever had to deal with. I placed a deposit on our vacation through AMI Locals Reservations, Anna Maria,FL in the amount of $1,976.24 on July 20, 2019. I then purchased travel insurance protection from Travel Guard in the amount of $212.00 on October 12, 2019 for our vacation May 30,2020 June 6,, 2020. At the end of April 2020, mid-pandemic, I suffered a ruptured appendix, had emergency surgery and a hospital stay of 6 days due to complications including severe exacerbation to my existing, chronic lung disease. I was advised no rravel from April 28, 2020 to at least June 9, 2020,not only because of my recovery from surgery and the compromise to my lung disease,, and my age of 72,all presented a very high risk for contracting COVID.. On July 2, 2020 I sent AIG Claims all pertinent information along with my Dr.,s confirmation, I also e-mailed all materials on July 23, 2020. I received a follow-up e-mail from them on July 23, 2020 stating an analyst will review my document ion and contact me with any further required information. I have never received any additional contact from them. Their phone is exasperating with afloat of jumbo jumbo. I am absolutely furious at this stage and, too, will NEVER use their services again. COVID. I had to cancel our travel and when well enough,

This insurance is a scam I have been denied Trying to appeal no knows what they are doing Claims department must have been given a blanket reponse of hang up on your customer, transferred to a wrong department etc I have been working on this since Feb They lost my papers?? Filed three times than suddendly denied Im filing a complaint with State Board of Insurance

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How Do Travel Insurance Claims Work?

Lee Huffman

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Table of Contents

How travel insurance claims work

How to submit your travel insurance claim and get reimbursed, time limits for filing a claim, how long do claim submissions take, how to choose a travel insurance plan, if you need to file a claim from your travel insurer ....

Whether your flight has been canceled, your luggage is lost or you get sick or injured during your trip, travel insurance can protect you. But to get your benefits, you need to submit one or more travelers insurance claims, depending on your situation.

Here's how travel insurance claims work and what to watch out for when submitting your claim.

Travel insurance claims are the system through which a traveler submits documentation to their insurance provider for reimbursement of a covered expense. This reimbursement is not guaranteed; instead, it hinges on the approval of the claim from the insurance underwriter.

In general, the provider will need to verify the situation before remitting any reimbursements to travelers, and the level of coverage varies significantly. Insurance providers typically have very explicit, extensive requirements in order for claims to be confirmed and refunded.

Travel insurance 101 means knowing how travel insurance claims work. Hopefully, you’ll never need to file a claim, but it pays to know the following facts if the worst should happen.

» Learn more: What to know before buying travel insurance

You must qualify for a covered reason

Insurance companies are very explicit about the situations they will cover, and coverage details vary by company and the type of policy that you've purchased.

In general, the more expensive your policy, the more benefits the policy will offer. While some policies cover only medical emergencies, others cover trip cancellation and interruption , lost or stolen bags, and other losses.

Even though policies can be dense or boring to read, be sure you look at the details of yours so you know what types of situations you're covered for .

The details of your claim matter

The details about your reason for canceling are important, and the specifics will determine your eligibility. For example, you may not be feeling well, but are you sick enough that a doctor would suggest that you cancel your trip? There's a big difference between having a small cough and having pneumonia.

You may have to go through extra steps, like seeing a doctor, to prove your eligibility.

» Learn more: The best travel insurance companies

Reservations must be nonrefundable to qualify for cancellation benefits

When you’re traveling on miles and points, you can receive medical, trip delay and lost luggage benefits from a travel insurance policy you purchase. But if you want reimbursement for a canceled flight, travel insurance only covers nonrefundable expenses.

This prevents travelers from trying to "double-dip" and get a refund from both the airline and the travel insurance company.

Keep cancellation policies in mind before purchasing travel insurance. If you’re flying Southwest Airlines, which offers easy changes and refunds, and if your hotel has a 24-hour cancellation policy and you don’t have many activities booked in advance, you may not need travel insurance. The more flexible your plans, the less need you will have for travel insurance.

Claims should be submitted as soon as possible

Being proactive and timely with your claim ensures you won’t miss any deadlines that the travel insurance company may have. You don't want to go through the entire claims process only to find out that you missed the deadline by a few days. Instead, start your claim as soon as you can.

Organization is your friend

The travel insurance company will require documentation to support your claim, so you'll want to be organized as you collect the necessary records.

To stay organized with your documents, set up a folder in your email account for relevant messages, keep all paper receipts in an envelope and write down details of every conversation.

Many travelers digitize everything to make it easier to submit documents via email or an online portal. Your documentation should show that you have a valid claim that meets the insurance company requirements.

Time limits for filing a travelers insurance claim vary from company to company, so it is wise to refer to your specific policy to ensure you have a clear idea of the timeframe. Overall, most companies require claim submissions within 3 months of the incident.

For instance, according to insurance provider Seven Corners , "You must file your claim within 90 days of the incident, also known as the timely filing limit."

After you've submitted your claim — and assuming you have provided all of the required documentation and other elements — it can take up to two weeks for your reimbursement to be remitted.

Generally speaking, you should expect communication regarding your claim within that same timeframe. This could be to alert you of your claim's approval or to ask for additional evidence.

The more complex your travel insurance claim, the longer your approval and reimbursement process may take.

If your claim is approved, expect to receive a check or direct deposit of the amount owed.

Shop around if you’re looking to purchase a travel insurance plan. There are many online providers of travel insurance and the coverage amounts, limits, exclusions and other offerings can vary widely from provider to provider, not to mention policy to policy — even within the same company.

A comparison tool, like SquareMouth , can help you filter results based on what is important to you. You can filter your search to find policies that cover trip cancellation, trip interruption, baggage, medical treatment or other needs. You can then compare the cost of one policy against others based on your preferences and budget.

Travel insurance offers valuable protection in case something goes wrong with your travel plans. Your policy benefits will vary based on the level of coverage purchased and which company is offering the protection. When evaluating travel insurance providers, learn about their claims process should the worst-case scenario come true.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

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

Chase Sapphire Reserve 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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Chase Sapphire Preferred Credit Card

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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

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.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

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How to File a Travel Insurance Claim Online

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Tips for filing your travel insurance claim

Even with an easy-to-follow online solution, filing any insurance claim is hardly an everyday experience. If you need additional assistance while submitting your claim, don’t hesitate to reach out to Allianz Global Assistance’s team of travel insurance experts at 1-866-907-3045.

We even took some time to chat with our team members to learn about some of the common errors travelers make when filing claims so that we could pass them onto you. These mistakes include failing to check your travel insurance plan’s benefit limits. You’ll want to eyeball your plan’s benefit limits for prepaid, nonrefundable expenses as well as add up the value of your packing list. It might impact which travel insurance plan you pick — or whether you wear that nice dress on the plane or pack it in checked baggage. Another area that’s sometimes overlooked is submitting all required documents for a claim. As noted above, we’ve prepared lists of all the critical items for each type of claim. ( See other common travel insurance claim errors here .) 3

Don’t forget, once you submit your claim, you’re going to want to check its status. There are a few ways to do so, including checking online — or even easier — using our TravelSmart app .

When travel plans go south, you just want to be able to pick up the pieces, quickly and easily. After all, that’s why you purchased a travel insurance plan. At Allianz Global Assistance, we’ve designed our claims process to be “smooth sailing” – even if your getaway wasn’t.

Related Articles

  • Four Insider Tips for Filing a Travel Insurance Claim
  • 7 Receipts You May Need to File a Travel Insurance Claim
  • What Does Travel Insurance Cover?
  • AllianzTravelInsurance.com

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

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

Why Purchase Travel Insurance

Core coverages, optional coverages for an additional fee, aig travel guard and covid-19, additional information — aig travel guard, to other travel insurance companies, to credit card travel insurance, 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. 

AIG Travel Guard — Coverages and Policy Options

AIG Travel Guard homepage

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.

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

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 CFAR

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 .

How Does AIG Travel Guard Compare

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.

AIG Comparison

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.

Squaremouth travel insurance

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. 

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

InsureMyTrip

  • 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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AIG Travel Guard Insurance | Money

W e’ve reviewed Travel Guard from AIG as part of our exploration of the best travel insurance companies of 2023. This review will cover the pros, cons and features of AIG Travel Guard to help you decide if it’s the best travel insurance provider for you.

Best for Add-Ons

AIG travel insurance stands out for its wide variety of add-on options. Travel Guard offers a security bundle, pet bundle, sports bundle and many other add-ons to customize your travel insurance.

AIG Travel Guard Travel Insurance Pros and Cons

AIG Travel Guard is one of many insurance providers that support international travelers while they’re abroad. It isn’t your only option, so let’s take a look at how the company’s policies compare to competitive offerings. Here’s an overview of what you can expect from a Travel Guard travel insurance policy.

  • Up to $1 million in evacuation coverage
  • Plenty of add-on options
  • Optional waiver for pre-existing conditions
  • CFAR upgrade doesn't cover the entire trip
  • Premiums can get expensive

Pros explained

AIG Travel Guard insurance is highly rated across review platforms. This might be the right insurance company for you if you’re looking for a policy with high coverage for medical evacuations, a range of add-ons and waivers for pre-existing conditions.

$1 million medical evacuation coverage

One of the main reasons people buy travel insurance is to pay for an emergency medical evacuation. If you get sick or injured while abroad, you may need to be evacuated for your safety.

With Travel Guard Deluxe from AIG, you get up to $1 million in coverage for medical evacuations. Travel Guard Preferred offers $500,000 for evacuations, and Travel Guard Essential offers $150,000. That coverage goes toward flights and other costs to get you to a safe location where you can receive high-quality medical care.

Offers a variety of special add-on coverages

AIG Travel Guard Insurance offers a wide variety of add-on coverage options. These riders can be added to your plan to customize your trip. These include:

  • Medical bundle: This supplies extra coverage for medical costs and the option to choose your hospital.
  • Wedding bundle: This allows you to cancel your trip if a destination wedding is canceled.
  • Pet bundle: This provides a daily benefit for the costs of traveling with a dog or cat, plus coverage for veterinary bills.
  • Inconvenience bundle: This covers certain problems that don’t end your trip, such as credit card cancellations, closed attractions and trip delays.
  • Adventure sports bundle: This removes coverage exclusions for injuries caused by extreme sports such as scuba diving, skydiving and rock climbing.
  • Baggage bundle: This gives increased coverage for baggage loss and delays.

Pre-existing medical conditions waiver available for purchase

If you have a pre-existing condition that could lead to medical costs during your trip, Travel Guard offers waivers to extend coverage for those expenses. The waiver must be bought before your trip. It might be worthwhile for travelers with chronic conditions, immune system deficiencies, and other conditions that can make traveling especially dangerous.

Cons explained

AIG travel insurance isn’t right for everyone. Before you buy a Travel Guard plan, you should be aware that you can’t get a full reimbursement when you cancel for any reason and that your premium might be more expensive than other options.

Cancel for Any Reason upgrade only covers 50% of trip costs

Cancel for any reason (CFAR) policies are common with travel insurance companies. This add-on allows you to be reimbursed no matter why you cancel your trip.

A standard travel insurance plan only offers reimbursements for a prescribed list of eligible reasons for canceling. These include medical or weather-related emergencies and the death of a close family member or traveling companion. But with CFAR, you can cancel under any circumstances and still receive coverage — as long as you do so 48 hours before departure.

Unfortunately, AIG Travel Guard with CFAR only offers a 50% reimbursement of your prepaid travel expenses. Other companies offer a higher reimbursement percentage, so consider whether you want more comprehensive protection before signing up for this insurance.

Expensive premiums

AIG Travel Guard is not the cheapest travel insurance company out there. Your exact premium depends on several factors, including your destination, plan type, add-ons and age. But based on our sample quotes, AIG travel insurance plans are slightly more expensive, on average, than other insurers’ plans.

AIG Travel Guard Travel Insurance Plans

Like shopping for the best travel credit cards , choosing the best travel insurance plan takes time and research. The best plan will save you money and give you peace of mind, while the wrong plan could be an unnecessary expense. That’s why looking for insurance companies offering multiple policy options is best.

AIG Travel Guard offers three main plans plus two bonus plans for international travel insurance. Let’s break those options down in detail.

Travel Guard Essential is a very basic travel plan offered by AIG. This budget-friendly plan comes with standard coverage for trip cancellations, interruptions and delays. Medical coverage goes up to $15,000 plus $500 for dental costs and $200 for lost or damaged baggage.

The Essential plan is best for a tourist or short-term traveler who is willing to sacrifice comprehensive coverage for a lower insurance premium. The plan can be beefed up with any of AIG’s add-on bundles.

Travel Guard Preferred is a mid-priced option for someone who wants more coverage. This policy comes with medical coverage of up to $50,000 and evacuation coverage of up to $500,000. Damaged, lost or stolen baggage is covered up to $1,000.

Travel Guard Deluxe, the most expensive plan offered by AIG, comes with a wide range of benefits and includes security evacuation, missed-connection coverage, trip-saver coverage and more. This plan offers up to $1 million for a medical evacuation.

Travel Guard Deluxe is a good choice for someone traveling to rural or dangerous areas. It covers almost any emergency and even includes robust coverage for your beneficiaries in case of a fatal accident.

AIG’s Pack N’ Go plan is designed for travelers who buy their insurance at the last minute. There is no cancellation coverage, but this plan offers up to $25,000 in medical coverage plus $500 for lost or damaged baggage. Buying travel insurance at the last minute is not recommended, but this is a helpful option if you plan a trip quickly.

You can purchase an annual travel insurance plan through AIG. An annual plan is ideal for someone who travels frequently, especially to dangerous areas. With Travel Guard’s annual plan, you’ll get:

  • Trip delay coverage: $150 per day, up to $1,500
  • Trip interruption coverage: up to $2,500
  • Lost baggage coverage: up to $2,500
  • Baggage delay coverage: up to $1,000
  • Medical expenses coverage: up to $500,000 (dental coverage up to $500)
  • Accidental death coverage: up to $50,000
  • Emergency evacuations and repatriation of remains: up to $500,000

These benefits apply to multiple trips within the same year. You can renew your coverage annually or cancel at the end of a payment period. Purchasing an annual plan is usually less costly than insuring two trips individually.

AIG Travel Guard Travel Insurance Pricing

AIG travel insurance is comprehensive but on the higher end of the price spectrum. Premiums for Travel Guard Essential and Premium are on par with industry standards. Travel Guard Deluxe is slightly more expensive because of the added coverage that comes with it.

For example, our quote for a month-long vacation in Europe for two people costing around $5,000 came to around $300 with Travel Guard Premium and $560 with Travel Guard Deluxe. Add-on bundles will add a flat rate to that price. Our quotes for the same trip came out to around $150–$300 with other travel insurance companies.

Of course, that’s just an estimation. Your exact premium will vary depending on your travel dates, destination, age, number of people in your party and other factors. AIG family travel insurance goes up in price for each family member added.

Talk to an AIG Travel Guard representative to get a personalized quote for your travel insurance. You can also request a quick quote online for a basic estimate.

AIG Travel Guard Travel Insurance Financial Stability

AIG Travel Guard is an established insurance provider and a publicly traded company. It has an A rating from AM Best, which reflects a high degree of financial strength and stability. AIG also has a rating of A2 from Moody’s and an A+ from Standard and Poor’s. Because Travel Guard is a product of AIG, you should expect this insurer to remain stable in the future.

AIG Travel Guard Travel Insurance Accessibility

Here’s how AIG Travel Guard compares with other top insurers in terms of accessibility.

Availability

AIG travel insurance offers coverage on six continents. You can search for your destination country on AIG’s website to ensure coverage is available, but remember that not all coverage is available in all destinations.

When it comes to buying travel insurance, AIG is only available to residents of the U.S.

Contact information

You can call AIG’s travel insurance phone number any time to get more information about your policy or request help. Both of these numbers have 24/7 availability:

  • U.S. toll-free, 1-855-203-5962
  • U.S. and international collect, 1-715-345-0505

If you need to file an AIG travel insurance claim, you can connect with a customer service agent online or over the phone. You can also reach AIG by mail at:

Travel Guard

3300 Business Park Drive

Stevens Point, WI 54482

User experience

While it does offer a travel-assistance app, this insurer isn’t as up-to-date with modern technology as other options. Its Travel Assistance app has 2-star ratings on both Google Play and the App Store and is difficult to navigate. The website is also slightly confusing and has several pages stating the same information. On top of that, AIG travel insurance claims must be filed directly with an agent.

However, getting a quote on the AIG website is easy. It takes less than a minute, and you don’t need to provide your name or any contact information.

AIG Travel Guard Travel Insurance Customer Satisfaction

AIG Travel Guard receives a high rate of customer complaints. It’s rated 1.01/5 stars with the Better Business Bureau. Some reviewers report a lack of helpful customer service and problems getting their AIG travel insurance refund for a canceled trip.

Keep in mind that these complaints are fairly standard in the travel insurance industry. Your individual experience will vary depending on your plan and other details.

AIG Travel Guard Travel Insurance FAQ

What does aig travel guard travel insurance not cover.

  • Pre-existing conditions (without an optional waiver)
  • Traveling against your doctor's advice
  • Traveling against warnings about war or other dangerous conditions
  • Trip cancellation due to concerns over a COVID-19 outbreak at home or in your destination country. You may be eligible for cancellation coverage if you have a confirmed diagnosis of COVID-19 before your departure.

What is the AIG Travel Guard claims process like?

Is aig travel guard travel insurance worth it, how we evaluated aig travel guard travel insurance.

We evaluated AIG Travel Guard for this review based on several factors, including:

  • Range of plan options
  • Accessibility
  • Customer reviews and complaints
  • Claims filing process
  • The extent of coverage for the cost

Summary of Money’s AIG Travel Guard Travel Insurance Review

AIG Travel Guard stands out for its variety of add-ons. Its optional bundles allow you to customize your plan to meet your travel needs. While the Deluxe plan is a little more expensive than other options, Travel Guard could be the right choice for you if you value flexibility and extensive coverage.

Whichever insurance policy you choose, be sure to plan ahead and buy your insurance far in advance. Keep an eye out for other ways to save on your trip, including the best travel rewards credit cards and travel booking sites .

© Copyright 2023 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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Millions of travelers each year trust AIG's Travel Guard to cover their vacations

Travel insurance plans provide coverage for certain costs and losses associated with traveling. Travel Guard ® helps you 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, or a month-long international holiday, our plans help cover travelers and their trip inverstments.

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Coverage available to residents of U.S. states and the District of Columbia only. These plans provide insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of each policy with your existing life, health, home, and automobile insurance policies, as well as any other coverage which you may already have or is available to you, including through other insurers, as a member of an organization, or through your credit card program(s). If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc .(Travel Guard). California lic. no. 0B93606, 3300 Business Park Drive, Stevens Point, WI 54482,  www.travelguard.com.  CA DOI toll free number: 800-927-HELP.

This is only a brief description of the coverage(s) available. The policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Ave of the Americas, Floor 41, New York, NY, 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.

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AIG Travel Guard Insurance Review 2024

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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. Depending on the plan you pick, your premium may be a bit higher than what you'll pay with some competitors, but it's still in line with the industry average.

AIG 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: Types of Policies Offered

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.

In addition to these three primary plans, Travel Guard offers the Pack N' Go policy along with an Annual plan.

AIG Travel Guard Pack N' Go 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

Note: The Annual plan is not available in Kansas, Montana, and New York

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. CFAR coverage will reimburse (up to a predetermined amount) expenses not otherwise covered under your policy if you cancel your trip for any reason, up to 48 hours before your scheduled departure.  
  • 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.

AIG Travel Guard FAQs

Yes. Travel Guard is the name used for AIG's travel insurance products. AIG's Travel Guard policies offer various coverage options designed to meet each traveler's specific needs.

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

Travel Guard  offers three main policies: Travel Guard Essential, Travel Guard Preferred, and Travel Guard Deluxe. It also offers an Annual plan and a Grab 'N Go plan for those who take multiple trips per year or are planning a last-minute trip, respectively. 

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.

Getting a quote from 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 an 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.

The below is an example of the costs for a 30-year-old Florida resident traveling by plane to Australia for a week in January 2023. The trip cost is set to $8,000. 

As you can see, the price ranges from around $229 to $417 depending on the level of coverage you choose.

This next example shows the costs for the three different Travel Guard plans for a 40-year-old California resident traveling by plane to Mexico for a week in December 2022. The trip cost is set to $6,000. 

As you can see, the price ranges from around $348 to $444 depending on the level of coverage you choose.

And in this last example, we looked for coverage for a 50-year-old resident of New York traveling by plane to France for a week in May 2023, with a trip cost of $10,000. 

The price for coverage in this example ranges from about $497 to $664, with the Essential plan being the least expensive and Deluxe being the priciest. Of course, the higher-tier plans will provide higher coverage limits. 

As you can see, the cost of coverage goes up as the age of the insured goes up. That said, these quotes align with industry averages when it comes to the percentage of the total trip cost you'll pay for travel insurance coverage. In general, regardless of which insurance provider you go with, you can expect to pay between 4% and 8% of your total trip cost.

How to File A Claim with AIG Travel Guard

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.

Nationwide Travel Insurance Review

AIG Travel Guard vs. Allianz Travel Insurance

With Allianz , 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.

Again, a variety of factors will determine the final cost of any of these travel insurance policies. So it's best to compare quotes using your specific personal and trip details to determine which policy is the best for you.

Allianz Travel Insurance Review

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 a card you have. 

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.

Best Credit Cards with Travel Insurance

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

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.

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.

travel guard file a claim

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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  2. FREE 50+ Sample Claim Forms in PDF

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  3. FREE 37+ Sample Claim Forms in PDF

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  4. FREE 11+ Sample Travel Claim Forms in PDF

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  5. FREE 31+ Claim Forms in MS Word

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  6. Travel Insurance Claims: 4 Tips to File a Claim

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COMMENTS

  1. Claims

    Required documentation. Check Status of Existing Claims. Note: This tool currently supports policies purchased in USA only. All others please call us directly at 1.866.478.8222. Questions? Call us at: 800-826-5248. Manage your Travel Guard insurance claim online here and we'll do our best to make it right.

  2. contact-us

    Need to file a claim? You can now file a claim online. ... Coverage is offered by Travel Guard Group, Inc (Travel Guard). California lic. no.0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, www.travelguard.com. CA DOI toll free number: 800-927-HELP. This is only a brief description of the coverage(s) available.

  3. Claims

    The review time for each claim varies, because our claims team does their due diligence to appropriately process each customer's claims case. File a claim online AIG Travel's claim filing website enables U.S. customers and their travel advisors (the claim filing website currently supports policies purchased in the U.S. only) to file claims ...

  4. AIG Travel Guard Insurance Review: What to Know

    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.

  5. Report a AIG Personal Lines

    3300 Business Park Dr. Stevens Point WI 54482. Mailing Address: AIG. Attn: Travel Guard. Po Box 47. Stevens Point WI 54482. Report a claim, first notice of loss & find contact information for Personal Lines - Travel Guard.

  6. Travel Guard Insurance Claim

    Filing a Claim With Travel Guard Insurance Provider. When you need to file a claim with Travel Guard, call 1-800-826-1300 between the hours of 7a.m. and 7 p.m. CST to request a claim form. There are eight different types of claims that can be filed through Travel Guard, including: Trip Cancellation. Trip Interruption.

  7. TIM

    Start a Claim. Start your Claim online at https://claims.travelguard.com or by phone at (866) 478 - 8222. Submit claims documentation via email at [email protected] with your claim number in the subject line, via fax to 715-295-1113 with attention to your claim number, or via mail to: AIG Claims. Attn: your claim number.

  8. Travel Guard

    Payment of Claims. If you file a claim with us, this section shows which documentation is required, and how and where to send it. 7 General Provisions. This section explains contractual 8 details of the policy. Services. In addition to the insurance coverage provided by the policy, Travel Guard offers world-class assistance services to our ...

  9. How Do Travel Insurance Claims Work?

    Travel insurance claims are the system through which a traveler submits documentation to their insurance provider for reimbursement of a covered expense. This reimbursement is not guaranteed ...

  10. Claims

    Need to file a claim? Start your Travel Guard claim online or check your existing claim online for US purchased policies or contact our Customer Service Center. ... If you are having problems logging in or can't remember your username or password, please contact our Travel Guard Tech Support at 866-729-5215; Monday ...

  11. Help Center

    Submit your request for a travel insurance premium refund or voucher. Travel Guard plans offer powerful tools to help you access valuable travel insurance information quickly and efficiently. Whether it is starting a claim, viewing a claim status, viewing alert & strike information, viewing your policy, or modifying your policy - Travel Guard ...

  12. How to File a Travel Insurance Claim Online

    Here is a step-by-step rundown of the process for filing a travel insurance claim online with Allianz Global Assistance. 1. The Online Travel Insurance Claim Process. Once you're ready to go, you'll want to navigate to the online claims submission page on your desktop, tablet or mobile device. Then, follow these steps: 1.

  13. Expedia Group U.S. Portal

    Check the status of your claim. Expedia Group U.S. Travel Insurance COVID-19 Portal AIG Travel is closely monitoring coronavirus (COVID-19), and its potential impact on travel. Travelers should consult the World Health Organization (WHO) and Centers for Disease Control and Prevention (CDC) websites for the most up-to-date information on the ...

  14. AIG Travel Guard Insurance Coverage Review

    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. ... 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.

  15. AIG Travel Guard Insurance

    What is the AIG Travel Guard claims process like? You file a claim with AIG by talking to an agent. This step sets AIG apart from travel insurance companies that allow you to file a claim online ...

  16. Travel Insurance Plan Cancellation Request Form

    You are requesting a refund from Travel Guard within 15 days of purchasing your travel insurance policy, Note: NY, KS, and SC residents may eligible for a refund after the fifteen day period. Please contact 1-800-826-5248 for further details. Your request for a premium refund is made prior to the departure date listed on your travel insurance ...

  17. AIG Travel Guard: Travel Insurance Solutions

    If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc . (Travel Guard). California lic. no. 0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, www.travelguard.com. CA DOI toll free number: 800-927-HELP. This is only a brief description of ...

  18. AIG Travel Guard Insurance Review 2024

    How to File A Claim with AIG Travel Guard 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 ...

  19. PDF Thank You for Choosing Travel Guard! We are glad to be part of your Trip

    7. Payment of Claims. If you file a claim with us, this section shows what documentation is required, and how and where to send it. 8. General Provisions. This section explains contractual details of the policy. 9. Services. In addition to the insurance coverage provided by the policy, Travel Guard offers world-class assistance services to our ...

  20. Thank You for Choosing Travel Guard! We are happy to be part of your trip!

    7. Payment of Claims. If you file a claim with us, this section shows which documentation is required, and how and where to send it. 8. General Provisions. This section explains contractual details of the policy. 9. Services. In addition to the insurance coverage provided by the policy, Travel Guard offers world-class assistance services to our ...

  21. Travel Guard

    Payment of Claims. If you file a claim with us, this section shows which documentation is required, and how and where to send it. 6 General Provisions. This section explains contractual 7 details of the policy. Services. In addition to the insurance coverage provided by the policy, Travel Guard offers world-class assistance services to our ...

  22. Prime Travel Benefit

    Submit Packages. You must file your travel claim within one year of the travel date. Send all required documents via email, fax or mail. Email: [email protected] Note: DoD SAFE (Secure Access File Exchange) is a service to make it easy for you to exchange unclassified files up to 8.0 GB that can't be sent through email.

  23. Travel Guard

    Payment of Claims. If you file a claim with us, this section shows which documentation is required, and how and where to send it. 6 General Provisions. This section explains contractual 7 details of the policy. Services. In addition to the insurance coverage provided by the policy, Travel Guard offers world-class assistance services to our ...