With different limits that would fit your needs best, AIG Travel Guard provides three major international travel insurance plans from you to select: the basic Essential plan, the mid-tier Preferred plan, and the comprehensive Deluxe plan. Every plan offers basic coverage for travel medical expenses, luggage protection, baggage delay coverage, trip cancellation and interruption coverage, Medevac insurance for emergency medical evacuation. That said, you can also customise your coverage with some of their plans by adding cancel for any reason coverage, rental vehicle protection, lodging expenditure protection and coverage for preexisting medical conditions.
AIG Travel Guard: Known For What?
AIG Travel Guard provides a wide spectrum of policies to cover all kinds of journeys, same as many other leading travel insurance companies. With the greatest degrees of coverage possible, the organisation offers the base Essential Plan, the mid-tier Preferred Plan, and the top-tier Deluxe Plan.
Additionally available from AIG is an annual travel insurance plan applicable for all journeys taken inside a year by an insured person (or group). This company offers other specialist plans including a rental car coverage plan, an adventure travel insurance plan, a Pack ‘N Go Plan for last-minute travel, and an emergency evacuation and medical transportation plan.
Aig Travel Guard distinguishes itself in a few other aspects. First, with both Preferred and Deluxe plans, the company provides optional add-on cancel for any reason (CFAR) coverage. This coverage, however, only covers up to 50% of prepaid travel expenses—less than other suppliers. Coverage under CFAR only apply if travel insurance is bought within 15 days following a first payment on a trip.
When consumers buy coverage within 15 days of the initial trip payment, AIG Travel Guard additionally provides a preexisting medical conditions waiver. This organisation also stands out for having strong coverage limits for emergency medical bills and emergency medical evacuation in both mid- and top-tier policies. Known also as “Medevac,” this emergency evacuation coverage can cover air evacuation services, transportation to the closest hospital or clinic, medical travel to your own country, and more.
Individual Trip Travel Guard Insurance from AIG
AIG Travel Guard offers three tiers of individual trip plans with faster degrees of coverage and more add-ons available. This allows you to customise your travel insurance to fit your particular requirements, including the kind of trip you are planning and the risks you wish to guard against most.
Review
The Better Business Bureau (BBB) does not certify AIG Travel Guard; moreover, the company has a poor rating with the platform of just 1.08 out of 5 stars. Over the past three years, the travel insurance company closed 791 complaints; over the past 12 months, 175 consumer complaints reported with the BBB. Across 65 reviews on Trustpilot, the company has an average star rating of just 1.7 out of 5 stars. On InsureMyTrip, the company boasts a 4.6 rating instead. These are a summary of some good and bad user comments capturing historical client experiences.
Positive Client Service Experience
We purchased airline tickets from Frontier and a TravelGuard policy. Frontier changed our flight times by 13+ hours only a few days later, which would not fit our vacation schedule.
TravelGuard promptly and with NO drama fully reimbursed our premium accordance with their policy within the 15 day “review” period.
Less than a minute of holding allowed me to speak with TravelGuard customer service. He guided me through the process for a written refund request. My written request came back in less than twenty-four hours. – Sara via Trustpilot
Paid Invoice
They reimbursed my claim for pilfers while I was on an annual trip to Vegas. It indeed took a couple months. Three times the premium I first paid made up the claim amount. – Bradley S. via Trustpilot
Travel Guard left me feeling disillusioned and let down as they have been unresponsive. Using Travel Guard, I made a trip reservation and bought trip insurance. For medical reasons I had to postpone the trip; on January 8, 2024 I filed a claim. On January 9, 2024, the Travel Guard Portal posted the information they asked for. Forty-eight hours after providing the material, I followed up to make sure they possessed all the necessary information. They verified they possessed every form I had sent. They advised me the insurance adjuster would get back to me and it would take ten to fifteen business days to review the claim. It’s February 12th now, and I haven heard from the adjuster or Travel Guard. I have phoned several times and always get the same run-through. When I phoned once more today, even requesting to talk with a supervisor, I was informed the supervisor would not get in touch and would just say the same thing. I paid reasonable money for this travel insurance, and I feel as though I was duped. William M via the Better Business Bureau
Had to wait for the check, yet at least it came
From Portland to Tampa, my husband and I had a flight on Alaskan carriers that was cancelled when the carriers lacked enough crew to run the route. Before we could get back home, we spent two more days caught in Portland. Though our policy only authorised a specific amount daily, I assumed we would be reimbursed in whole. It took one month and half, but we finally get a cheque for $600. Though it was not the whole two extra days for meals, accommodation, and rental car, it was better than nothing. – Clare L. via Trustpilot
Examining
Gets responses from claims two weeks later. Then, even though you already sent, they seek other information. I had to resubmit material once again with a letter of explanation; claims adjusters merely emailed. Still another approach to stretch payments is to Quite nervous as she couldn talk to the adjuster. You only speak with a live person when you call to request a change of address. They are not able to trans the call. Only emails still haven’t gotten compensation. — Cindy W. via Better Business Bureau
