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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.

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

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.

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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Main content

AIG Travel Guard Review

Aig travel guard travel insurance is great for cruise cover and families..

Top Ten Reviews Verdict

AIG Travel Guard has all the makings of a very good travel insurer. It has service centers scattered around the world, multi-lingual assistance, free cover for kids and a host of coverage options to suit all, including for those who enjoy a holiday cruise. Sadly, it slightly lets itself down when it comes to some areas of the website, and more information about making a claim wouldn't go amiss. Overall, there is still much to like, but a little extra attention to detail in some key areas could easily elevate Travel Guard to so much more.

Free cover for under 17s

Cover options specifically for cruises

Website is a little sparse of information

Few details about claims process

Why you can trust Top Ten Reviews Our expert reviewers spend hours testing and comparing products and services so you can choose the best for you. Find out more about how we test .

AIG is the well known global insurance company that, with operations in more than 80 countries worldwide, has all the makings to be one of the best travel insurance companies from the off. Serving the needs of millions of leisure and business travelers through its Travel Guard offering each year, AIG is almost unrivaled when it comes to underwriting travel insurance. Eight wholly owned service centers conveniently located in Asia, Europe and the Americas means AIG can provide its customers with access to 24/7 emergency travel assistance, medical and security services. While enjoying recognition for its travel insurance proposition, AIG also provides a range of other insurance products, from life insurance through to retirement and investment services.

<a href="http://www.aig.com/individuals_3171_411333.html" data-link-merchant="aig.com"" target="_blank"> Find travel insurance at AIG Travel Guard Whether you're venturing overseas for the first time or a business person regularly between countries, AIG Travel Guard will have a travel cover solution for you.

AIG Travel Guard Review: Plan options

Travel Guard comes in a variety of guises, with three main plans for single trip coverage. The Deluxe plan provides the most coverages, global travel assistance and access to 24/7 travel assistance services, while the Preferred plan is the next step down, and so is a cheaper but less comprehensive option for typical travelers. Completing the trio is the Essential plan, aimed primarily at those traveling domestically who need basic coverage. All three variations also include family coverage, meaning one child under 17 is covered for free for each paying adult.

Alongside these more standard packages are the Pack N' Go Plan for last minute travelers not in need of cancellation coverage, and the Annual Travel Plan, for multiple trips all year round. Further "offline" specialty plans can also be arranged by contacting a representative. What will also appeal to some are the specific cruise insurance policies that are on offer, and can be filtered out when you apply online.

AIG Travel Guard Review: What to expect

As you would expect of a company of such standing, the AIG website is easy on the eye, accessible and contains plenty of plan-specific information. Getting a quote is simple too, with a step-by-step process taking you through the options at your own pace - it is also here that you can specify whether you are flying, going on a cruise, or indulging in a bit of both, to make sure you get a policy best suited to you.

While you get a side-by-side comparison of plan benefits once you've entered details for a quote, a similar comparison before you reach this stage might prove useful. The Help Center is also a slight disappointment and little more than a bridge to some sparse FAQs. It also plays host to an online form that you can fill in for assistance and various phone numbers to call should you prefer. Policyholders can also sign in to Agentlink to have their problem heard that way too. Help is on hand round-the-clock and with more than 40 languages spoken on-site, you shouldn't have trouble getting your message across. A rating of 4.58 out of five on InsureMyTrip.com suggests you won't be unhappy with the service either.

Finally, the travel news section is useful, and divided into different travel categories, both geographic and by vacation type, including cruise news and honeymoon travel, among others.

AIG Travel Guard Review: Coverage

The coverage available under Travel Guard will depend on your selected plan, with the Deluxe package including trip cancellation up to $150,000 and interruption to $225,000. Medical expense coverage is up to $100,000, emergency evacuation and repatriation of remains coverage is up to $1 million, and security evacuation coverage is up to $100,000, among other benefits.

Cancel For Any Reason coverage is available on the Deluxe and Preferred plans for an additional cost, while rental car damage coverage can be added on to all plans. All three plans can also include pre-existing conditions if you purchase cover within 15 days of your first payment on your trip, and meet a couple of other conditions.

AIG Travel Guard Review: Making a claim

Should you need to make a claim, the process can be started online with your policy number and last name, and this is also the direction in which you are pointed should you want an update on the status of a claim. If you have any questions or concerns that you wish to raise over the phone, be aware that the toll free number for the US is only available 7am to 7pm, Monday to Friday.

The website lists the different types of document you will need for each type of claim, and reveals these can be emailed, faxed or mailed to the relevant department. There are some claims related FAQs too, but general information about the process as a whole is lacking and somewhat unknown.

Should you choose AIG Travel Guard travel insurance?

AIG Travel Guard will be a decent travel insurance option if you like the security of a well-known insurance name and welcome its undoubted presence on the ground in locations all around the world. Those traveling as a family will appreciate the free kids cover, while cruise travelers will like having plan options that are specific to them. While a little more attention could be paid to explaining the claims process, Travel Guard, and all its options, still represents a travel insurance plan that will be more than suitable for the needs of most heading on their travels.

<a href="http://www.aig.com/individuals_3171_411333.html" data-link-merchant="aig.com"" target="_blank"> Find cruise cover at AIG Travel Guard If your idea of a great holiday is a cruise, AIG Travel Guard offers tailor-made cruise specific travel insurance plans.

With over 20 years’ experience in the financial services industry, Tim has spent most of his career working for a financial data firm, where he was Online Editor of the consumer-facing Moneyfacts site, and regularly penned articles for the financial advice publication Investment Life and Pensions Moneyfacts. As a result, he has an excellent knowledge of almost areas of personal finance and, in particular, the retirement, investment, protection, mortgage and savings sectors.

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