aig travel guard uk

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AIG Travel Guard

Get a quote in less than two minutes and travel with more peace of mind.

Travel Guard Plans

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

Deluxe Plan

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

Preferred Plan

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

Essential Plan

Savvy coverage for the budget-minded traveler.

Pack N' Go Plan

Immediate coverage for unplanned trips and adventures

Annual Travel Insurance Plan

Year-round coverage for your travel investments.

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.

Education Center

Sort through common questions about travel insurance

Traveler Resources

Safety information and travel tips for travelers

Preparing travelers wherever their journey takes them

AIG Travel CEO Jeff Rutledge shares how the underlying risks of travel have changed and what AIG is doing to help companies and individuals manage risks.

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: What to Know

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

Coronavirus considerations

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

Travel Guard by AIG

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

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

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

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

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

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

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

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

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

Travel Guard Essential - The most basic level of coverage

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

» Learn more: How to find the best travel insurance

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

Destination.

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

Travel dates.

Your home state.

Date of birth.

How much you paid for the trip.

The date when you paid for the trip.

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

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

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

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

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

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

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

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

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

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

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

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

» Learn more: Does travel insurance cover award flights?

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

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

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

» Learn more: Is travel insurance worth it?

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

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

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

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

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

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

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

at its claims page

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

on Travel Guard’s website

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are 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

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℠.

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℠.

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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Individuals

A travel assistance website for Lifeline Plus policyholders with resources that help prepare for a trip and offer support while abroad.

Virtual Medical Care

Round-the-clock access to GPs for consultations and an expert case management service for complex medical cases and second opinions. (A complimentary service included with specific AIG policies). 

A travel assistance website for Lifeline Plus policyholders with resources that help prepare for a trip and offer support while abroad

Round-the-clock access to GPs for consultations and an expert case management service for complex medical cases and second opinions.(A complimentary service included with specific AIG policies). 

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Log in to access our supporting tools and services, plus portals for brokers and risk managers. 

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Lifeline Plus

Our Group Personal Accident and Business Travel insurance covers serious work-related injuries and a host of travel emergencies when employees are away on business.

Why Choose AIG Lifeline Plus Group Personal Accident & Business Travel?

In an increasingly global environment – where business travel requires unprecedented levels of planning and coordination – AIG Lifeline Plus provides far-reaching emergency travel assistance. With decades of experience managing the unique risks associated with travel, AIG offers deep underwriting expertise and strong multinational capabilities.

Our emergency travel assistance services are provided by AIG’s own travel assistance company, AIG Travel. This enables us to deliver seamless support to our clients – from the initial call for help through to the resolution of a claim.

And when serious work-related injuries occur, our personal accident cover provides payments for temporary and life-changing injuries, as well as financial benefits that help to lighten the psychological impact of accidents and aid in the road to recovery.

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Trade on AIG eXtra & Acturis

For SME clients, brokers can also quote and bind Lifeline Plus online via our award-winning AIG eXtra platform and Acturis.

TRADE ONLINE

The AIG Advantage

Where we can help.

AIG group personal accident and business travel insurance is suitable for a wide range of organisations, from SMEs to multinationals across almost all industry sectors.

Underwriting Expertise

Whatever the request, our highly experienced underwriting teams provide rapid expert responses and have the proven capability to create flexible solutions.

Multinational Capabilities

At AIG, we think global and act local. We have deep underwriting knowledge across the globe and strong multinational capabilities to structure worldwide programmes.

UK GPs provide virtual medical advice, prescriptions and referrals, while medical experts are available for a second medical opinion on an existing diagnosis or treatment plan.

24/7 Assistance

We offer direct access to our global AIG Travel assistance centres through a single phone number, 24/7/365. There’s even a quick-call help button on our travel assistance app.

Geared Up for Growth

Our brokers benefit from AIG’s dedicated A&H underwriters throughout the UK (both in London and our regional offices). We offer strong support for broker growth and client servicing.

AIG Lifeline Plus Group Personal Accident & Business Travel Solutions

Lifeline Plus cover, tools and resources work together to keep employees informed and as safe as possible while they’re travelling for business.

AIG Lifeline Plus Product Summary

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What's Inside Lifeline Plus Brochure

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Serious Injury and Accident Help

When a serious work-related injury occurs, our specialist claims teams are on hand to help. We handle thousands of accidental injuries a year, making single cash payments for life-changing injury claims, weekly payments for temporary ones as well as a wide range of additional supporting payments.

Key features and cover include:

• Accidental death benefits
• Loss of limbs
• Loss of sight, speech and hearing
• Permanent disability
• Temporary disability
• Cosmetic reconstruction (following certain valid claims)
• Recovery support
• Role retraining
• Lifesaver benefit

(Refer to your policy wording and schedule for full details of benefits, terms, conditions and exclusions.)

Have a Safe Trip

Our global assistance company, AIG Travel, with its worldwide network of travel, medical and security specialists, provides a wealth of services to help keep travelling employees comfortable, informed and safe wherever they’re going.

Whether it’s concierge services to arrange concert tickets and business gifts, help locating lost luggage at the airport or even travel security awareness training in preparation for an upcoming trip – we’re on hand 24/7 to help.

• 24/7 travel assistance
• Concierge service
• Pre-crisis consultancy
• Security and safety advisories, global risk analysis
• 24/7 travel and security alerts
• Flight, hotel and rental vehicle re-bookings
• Cash transfer assistance
• Telephone interpretation assistance
• Message relay to family, friends or business associates
• Embassy or consulate referral
• Security awareness training
• Country reports and city guides
• Translation tools and resources

If You Run Into Trouble

When things take a turn for the worse, people may need support on the ground or assistance in getting out quickly. AIG has global evacuation expertise and rapid crisis response capabilities, which can be upgraded with our Crisis Plus extension, an advisory service designed to help you deal with an increased range of threats.

Expert medical support is also available 24/7. What’s more our concierge claims service aims to settle baggage and money claims in under 15 minutes over the phone.

Insured risks

• Medical and emergency travel expenses and repatriation
• Personal legal liability and expenses
• Lost, stolen or accidentally damaged personal property and business equipment
• Cancellation, curtailment, disruption and delay to travel
• Lost passport and travel documents replacement
• Vehicle rental excess
• Family travel assistance for compassionate visit
• Ongoing hospital treatment
• Political and natural disaster evacuation
• Hijack, kidnap and ransom
• Lost or stolen personal money

Help and advice

• Security advice
• Help in sending medication and medical equipment
• Help in arranging emergency return travel
• Lost baggage location assistance

Crisis Plus

The Crisis Plus optional extension to Lifeline Plus allows organisations of all sizes and industries the access to 24/7 expert security consultancy support in the event of a crisis or a possible crisis. It is suitable for small and medium sized businesses that do not have their own in-house security consultancy function or crisis management plan, and for larger organisations looking to augment their existing security teams.

Lifeline Plus Business Travel

Learn more about Lifeline Plus and the many tools and resources AIG provides to support employees while they are abroad on business.

Lifeline Plus: Tools & Resources

Virtual Medical Care is a complimentary service provided with Lifeline Plus and a tangible benefit employers can offer their staff. It provides unlimited, round-the-clock access to UK GPs for virtual consultations and medical advice as well as expert second medical opinions on an existing diagnosis or treatment plan.

AIG Travel Assistance App

The app is a multi-faceted, on-the-go tool for travellers. Features include a quick-call help button for 24/7 assistance, app check-in feature so employers know staff have arrived safely, and pre-trip security awareness training to support duty-of-care obligations.

MyLifeline Assistance Website

The MyLifeline assistance website offers self-service tools and up-to-date insights about destinations so travellers can start to manage their trips before they even take off.

HR Manager Online Hub

AIG’s Lifeline Plus Hub is a dedicated website designed to support HR Managers at organisations with an AIG Lifeline Plus policy. 

Our Accident & Health Leadership Team

View contact information for AIG's UK Accident & Health leaders.

Downloadable Materials

Download pdf [308.5 kb], download pdf [2.7 mb], download pdf [837.1 kb], download pdf [393.9 kb], download pdf [761.7 kb], download pdf [952.9 kb], related content.

MyLifeline Travel Assistance

Lifeline Plus HR Manager Hub

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AIG Travel Guard Cost

Compare aig travel guard.

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AIG Travel Guard Insurance Review 2024

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

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

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.

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

Christine Krzyszton

Senior Finance Contributor

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Keri Stooksbury

Editor-in-Chief

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Director of Operations & Compliance

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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

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 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.

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

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

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

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

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

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 Insurance: The Complete Guide

Everything you need to know before you buy AIG Travel insurance plans

For decades, AIG Travel , part of American International Group, Inc., has provided travel insurance options for many travelers. Marketed under Travel Guard, the company offers travel insurance solutions and travel-related services, including medical and security services, marketed to both leisure and business travelers around the globe.

If you have purchased a trip insurance plan in the past, it may have been provided by AIG Travel without you even knowing it: the company also creates custom policies for several smaller insurance brokers, airlines and even travel groups. Is AIG Travel the right company for your trip? 

About AIG Travel

AIG Travel is a member of American International Group, Inc., a global insurance company that provides everything ranging from property casualty insurance, life insurance, retirement products, and other financial services. Travel Guard is the marketing name that AIG Travel uses to advertise its portfolio of products.

Today, the company is headquartered in Stevens Point, Wisc., and serves travelers in 80 countries and jurisdictions through eight wholly-owned global service centers in key regions, including Houston, Texas; Stevens Point, Wisc.; Kuala Lumpur, Malaysia; Mexico City, Mexico; Sofia, Bulgaria; Okinawa, Japan; Shoreham, England; and Guangzhou, China. 

How Is AIG Travel Rated?

AIG Travel policies are underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., another subsidiary of AIG. As of June 2018, the policy writer has an A.M. Best A rating, putting them in the “Excellent” credit category with a stable outlook.

For customer service, AIG Travel is highly rated on three major travel insurance marketplaces online. With more than 400 reviews, AIG Travel has a five-star rating from TravelInsurance.com , with a 98 percent recommendation rate. Customers of InsureMyTrip.com give the company 4.56 stars (out of five). Although Squaremouth.com no longer offers AIG Travel policies anymore, previous customers gave the company 4.46 stars (out of five), with less than one percent negative reviews. 

What Travel Insurance Does AIG Travel Offer?

AIG Travel offers four plans for consumers, based on their needs and travel plans: Basic, Silver, Gold, and Platinum. Although the Basic plan is not available direct through AIG Travel, it can be purchased through marketplaces like TravelInsurance.com. All travel insurance plans include travel medical assistance, worldwide travel assistance, LiveTravel® Emergency Assistance, and personal security assistance, but only take effect when travelers are at least 100 miles away from home.

Please note: All schedules of benefits are subject to change. For the most up-to-date coverage information, contact AIG Travel.

• Travel Guard Basic: Travel Guard Basic is the lowest level of coverage available through AIG Travel Guard, with the smallest benefits for trip cancellation , trip interruption , and trip delay. The basic plan offers 100 percent coverage of trip cancellation or trip interruption events (up to $100,000), but has very low coverage ceilings for return airfare due to trip interruption ($500 maximum), trip delay (maximum of $100 per day, up to $500), baggage loss ($500 before a $50 deductible) and baggage delay ($100 maximum). The basic plan includes an optional rental car damage policy for an additional price but does not include options for a pre-existing medical condition exclusion waiver or accidental death and dismemberment. Read the schedule of benefits here.
• Travel Guard Silver : Travel Guard Silver is the lowest level of coverage available directly through AIG Travel Guard. Described as “savvy coverage that helps give you peace of mind on a budget,” Travel Guard Silver offers more generous benefits for baggage delay and baggage loss ($750; $50 deductible) and accident sickness medical expenses ($15,000; $50 deductible). This plan also offers optional coverage for pre-existing medical condition exclusion waivers, trip cancellation or interruption due to financial default and additional flight coverage. Typically, travelers who elect to purchase Travel Guard Silver over Travel Guard basic can expect to pay around 2.5% more. Read the schedule of benefits here.
• Travel Guard Gold : The most popular plan offered by AIG Travel Guard, Travel Guard Gold balances insurance costs with benefits. The Gold plan offers more money for trip interruption (150 percent, up to $150,000 maximum), return airfare due to trip interruption (the greater of $750 or 150 percent of the trip cost) and trip delay coverage ($150 per day maximum, up to $750 total). This plan also introduces several additional benefits, including baggage and travel document loss (up to $1,000), baggage delay ($300) and missed connection coverage (up to $250). When purchasing within 15 days of the initial trip payment, travelers may also be covered for pre-existing condition waivers, trip cancellation or interruption due to financial default and primary coverage for accident sickness medical expenses. Optional coverage levels include Cancel for Any Reason insurance (up to 50 percent of insured trip costs), car rental collision coverage and upgrades for medical expense and emergency evacuation coverage. Before any optional coverage, expect to pay 20 percent more for Travel Guard Gold compared to Travel Guard Silver. Read the schedule of benefits here.
• Travel Guard Platinum : Travel Guard Platinum is the highest level of coverage offered by AIG Travel Guard, with the biggest benefit levels. In addition to trip cancellation and trip interruption benefits, travelers can receive up to $1,000 for return air travel due to trip interruption, trip delay benefits of up to $200 per day ($1,000 maximum) and up to $500 in missed connection benefits. Like Travel Guard Gold, travelers who purchase their policy within 15 days of their initial trip payment may also receive the pre-existing medical condition exclusion waiver, trip cancellation or interruption coverage due to financial default, primary accident sickness medical expense coverage and primary baggage and personal effects coverage. Optional policy add-ons include Cancel for Any Reason (up to 50 percent of insured trip costs), car rental collision coverage, and medical coverage upgrades. Because Travel Guard Platinum is the highest level of coverage available, it is also the most expensive: travelers should expect to pay between 50 and 60 percent more than Travel Guard Gold before any additional add-on coverage.  Read the schedule of benefits here.

What Won't AIG Travel Cover?

While AIG Travel offers plans to cover many common travel issues, they will not necessarily cover everything. Excluded situations include:

• Self-inflicted injuries: If you are in crisis while traveling, there are ways to get help anywhere around the world. Note that mental health care may not be covered by your travel insurance plan .
• Pregnancy or childbirth: In many situations, pregnancy or childbirth are not covered under AIG Travel plans.
• Dangerous activities: Planning on mountaineering, going motor racing, or participating in a professional-level athletic event? All of these situations are not covered under AIG Travel plans.
• Baggage loss for items seized by governments or customs officials: Before you return home, be sure to understand what may (or may not) be allowed in your home country. If you believe your items were stolen by customs or Transportation Security Administration officials , there is a separate protocol for reporting those losses.
• Baggage loss for eyeglasses, sunglasses, or hearing aids: Loss or replacement of prescription vision wear is not covered by AIG Travel.

This is just an abbreviated list of situations that may not be covered under AIG Travel trip insurance plans. For a full list, refer to the schedule of benefits of each plan, which are linked in the above content.

How Do I File a Claim With AIG Travel?

Travelers who purchased an AIG Travel plan in the United States can start their claims online . After starting an account online, travelers can file claims for the most common situations, including trip cancellation, baggage loss, and trip delay. Policyholders can also find documentation requirements online , as well as receive updates online. Those who have questions about their policies or claims can call AIG Travel direct at +1-866-478-8222.

The online claims tool is only available for American travelers who purchased their travel insurance plans in the United States. All other travelers should contact AIG Travel directly via their provided telephone number to start the claims process.

Who Is AIG Travel Best For?

At the Basic and Silver levels, AIG Travel is a very basic-level travel insurance plan that may cover those who do not already have trip coverage through a credit card or otherwise have access to a trip insurance plan. Before considering either of these AIG Travel plans, be sure to check that you don't already have coverage through the credit card used to pay for your trip.

If you are planning a major international trip, or are going on a big trip aboard a cruise line, AIG Travel Gold and Platinum may offer better coverage than a credit card. With large benefit levels and coverage already built in for pre-existing conditions when purchased within the first 15 days of an initial travel payment, Gold and Platinum can be a better bet for those who are spending money on a big vacation and want to make sure their trip runs smoothly.

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Travel Guard ®  Direct FAQs

Covid-19 cover and benefits.

We have enhanced the Travel Guard Direct benefits to cover certain situations pertaining to COVID-19. Depending on the travel insurance plan purchased, the benefits and cover may differ.  Full terms and conditions, as well as exclusions can be found here . For the latest travel requirements and advisories for arrival, transit or departure, please click here .

What are the key benefits of Travel Guard Direct’s COVID-19 coverage?

Travel Guard Direct offers COVID-19 coverage, depending on the type of plan purchased.  A summary of the key benefits by plan types are listed below. Please refer to the policy wording for full details. 

Return Per-Trip and Annual Multi-Trip policies

• Up to S$250,000 for medical expenses incurred overseas, emergency medical evacuation and repatriation
• Up to S$7,500 for travel cancellation or up to S$1,500 for travel postponement
• Up to S$7,500 for travel curtailment
• S$100 daily cash allowance for out-of-country COVID-19 diagnosis quarantine allowance, capped at 14 consecutive days

One-Way Per-Trip policies

• Up to S$7,500 for travel cancellation
• Up to S$1,500 for travel postponement

Do I need to be fully vaccinated to be eligible for Travel Guard Direct?

You do not need to be fully vaccinated to purchase Travel Guard Direct. However, do note that the country that you are travelling to (including any transit countries) may have specific prevailing entry requirements, including a requirement for you to be vaccinated before embarking on your trip.  Please click here  for relevant travel information regarding your travel destination(s). Please note also that Travel Guard Direct will not provide any cover if you are refused entry to any location because you do not meet the location’s entry requirements.

Is a COVID-19 swab test required before purchasing Travel Guard Direct?

You do not need to take a COVID-19 swab test to purchase Travel Guard Direct. However, the country that you are travelling to (including any transit countries) may have specific prevailing entry requirements, including a requirement for you to clear a swab test in order to travel. Please click here for relevant travel information regarding your travel destination(s). Please note also that Travel Guard Direct will not provide any cover if you are refused entry to any location because you do not meet the location’s entry requirements.

Can I choose to purchase Travel Guard Direct without the COVID-19 coverage?

Travel Guard Direct comes with COVID-19 coverage as part of the standard benefits for all plans.

What happens if I have a trip booked and the Singapore government or the destination country’s government closes borders due to COVID-19?

You will not be able to claim under your policy if the Singapore government or the destination country’s government closes the border at any stage before or during your trip. Please refer to the General Exclusions section in the policy wording for full details.  

I travelled from Singapore to another country. If I test positive for COVID-19 upon returning to Singapore, will I be covered for medical expenses?

Travel Guard Direct’s COVID-19 coverage does not cover post-trip medical expenses regardless of whether medical treatment has been sought overseas during the trip. 

Is there any coverage if I need to be quarantined upon arrival in Singapore?

Travel Guard Direct does not cover expenses related to quarantine in Singapore.

Does Travel Guard Direct cover me for expenses for COVID-19 diagnostic tests?

No, Travel Guard Direct does not cover expenses incurred for mandatory COVID-19 diagnostic tests for any pre-departure or post-departure testing requirements. 

If I test positive for COVID-19 and need to cancel my trip before the departure from Singapore, can I claim for cancellation costs if the airline or travel company offers me a voucher or a credit note instead of a refund?

Travel Guard Direct does not cover trip cancellations or trip postponements if the airline, hotel, travel agent or any other provider of travel and/or accommodation has offered a voucher, credit note or re-booking of the trip as a form of refund or compensation for the cancellation.

If my trip is interrupted because I contracted COVID-19 whilst overseas and as a result I am placed under mandatory quarantine and cannot continue with the rest of my planned trip, can I claim for unutilized prepaid expenses or additional costs like changes in return transport and accommodation due to being placed under mandatory quarantine?

No, there is no cover for unutilized prepaid expenses for your planned trip or additional costs like changes in return transport and accommodation due to being placed under mandatory quarantine.  However, subject to the terms and conditions of the policy you may be covered under the Out-of-country COVID-19 Diagnosis Quarantine Allowance benefit for S$100 per day up to 14 days if you are unexpectedly placed into mandatory quarantine outside Singapore because you test positive for COVID-19 while travelling.

If I contracted COVID-19 and am quarantined at a family members’ or friend's house overseas, can I claim for Out-of-country COVID-19 Diagnosis Quarantine Allowance?

Yes, we will pay S$100 per day for up to 14 consecutive days, if while overseas, you test positive for COVID-19 and as a result, are unexpectedly placed into mandatory quarantine outside Singapore, subject to the terms and conditions of the policy.

If I contracted COVID-19 and the country of travel does not require quarantine, can I claim Out-of-country COVID-19 Diagnosis Quarantine Allowance if I choose to self-quarantine?

No, the Out-of-country COVID-19 Diagnosis Quarantine Allowance will not apply if the quarantine is not mandatory.

Will the policy be automatically extended if I contracted COVID-19 overseas and need to be quarantined beyond my return date?

If at the time of the expiry of your policy, you are confined in a hospital and/or quarantined whilst overseas due to COVID-19 and you are following the directions of the attending medical practitioner, the hospitalisation or quarantine is covered by the policy if you are unable to return to Singapore as planned. The policy period will automatically extend for up to 30 days from the date of expiry of the policy without payment of any additional premium.

Please refer to the terms and conditions in the policy wording for full details.

If my travel companion is diagnosed with COVID-19 and as a result triggers automatic extension, will automatic extension be applied to my Travel Guard Direct policy as well?

Subject to the policy terms and conditions, automatic extension applies to one person who is insured with us and has been authorised by us in writing to extend and stay on the trip.

If I have purchased a family plan and one family member is diagnosed with COVID-19 and as a result triggers Automatic Extension, will the rest of the family members on the policy get Automatic Extension as well?

Yes, provided the conditions for automatic extension have been met for one person of the family, the other accompanying family members named in the Certificate of Insurance will have their coverage automatically extended under the same terms as well.

The travel companion whom I’m travelling with is diagnosed with COVID-19 before the departure date and is unable to proceed with the trip. Does Travel Guard Direct cover me for travel cancellation/travel postponement if I do not proceed with the trip?

Travel Guard Direct covers you for travel cancellation and travel postponement if your travel companion is diagnosed with COVID-19 prior to your trip departure date. Please refer to the respective benefits sections in the policy wording for full details of cover.

Can a self-administered Antigen Rapid Test (ART) result be used if I need to file for a claim due to COVID-19?

For COVID-19 benefits to apply, the COVID-19 diagnosis must be confirmed by a medical practitioner. A self-administered ART and/or photographic evidence of a positive ART result in itself would not substantiate a loss.  A medical report from the medical practitioner to confirm the diagnosis will be required for claims assessment. Please click here for details on how to make a claim and the supporting documents required.

Other than COVID-19 diagnosis as confirmed by a medical practitioner, what other supporting documents are required to claim Out-of-country COVID-19 Diagnosis Quarantine Allowance?

The standard supporting documents are:

• COVID-19 diagnosis/result by a medical practitioner;
• Flight itinerary; and
• Government mandate detailing the period of quarantine.

Other Benefits Related Questions

What happens if i have a trip booked and the singapore government or the destination country’s government closes the borders.

You will not be able to claim under your policy if the Singapore government or the destination country’s government closes the border at any stage before or during your trip.

If I am sick overseas but did not receive treatment overseas, can I do so upon my return to Singapore?

If no medical treatment has been received overseas, the time limit for seeking medical treatment is up to a maximum of 30 consecutive days from your arrival in Singapore, provided you first seek medical treatment within 2 days of arrival in Singapore. Please refer to the terms and conditions in the policy wording for full details.  

While overseas, I suffered an injury and sought treatment overseas. Does my Travel Guard Direct policy allow me to continue treatment after I am back in Singapore?

You have up to maximum of 30 consecutive days from your arrival in Singapore to seek follow-up treatment.

If I am pregnant, will I be covered for any medical treatment overseas?

We will reimburse for necessary and reasonable medical expenses incurred and paid by you overseas for pregnancy-related sickness you suffer during your trip.

Are business trips covered under Travel Guard Direct?

There are no exclusions for general business trips for Travel Guard Direct. Please refer to the terms and conditions in the policy wording for full details.  

Does Travel Guard Direct cover existing health conditions?

We cover repatriation of mortal remains due to existing heath conditions. However, other benefits will not apply to any claim relating to existing health conditions.

Which countries are not covered under Travel Guard Direct?

Travel Guard Direct does not cover any loss, injury, damage or legal liability arising from travel in, to or through Cuba, Iran, Syria, North Korea, or the Crimea region.

Any sanction, prohibition, or restriction under United Nation resolutions or the trade or economic sanctions, laws, or regulations of the European Union or the United States of America will not be covered as well. 

How does Travel Guard Direct define existing health conditions?

An existing health condition is defined as:

• first manifested itself, worsened, became acute or exhibited symptoms which would have caused an ordinarily prudent person to seek diagnosis, care or treatment;
• required taking prescribed drugs or medicine, or tests or further investigation had been recommended by a medical practitioner; or
• was treated by a medical practitioner or treatment had been recommended by a medical practitioner.
• any congenital, hereditary, chronic or ongoing condition of yours, your relative, business associate or travelling companion which you or they are aware of, or could reasonably be expected to be aware of, before the travel start date.

Is trekking covered under my Travel Guard Direct Policy?

There are no exclusions for trekking below 3,000 metres. For trekking above 3,000 metres and below 6,000 meters, the following conditions must be met:

• Trekking route must be available to general public without restriction;
• The trekking activity must be organised by a recognised commercial local tour / activity provider; and
• The entire trekking activity must be under the guidance, supervision of qualified guides and/or instructors and you must follow safety procedures and instruction of the guide and/or  instructor at all times. 

Please refer to the terms and conditions in the policy wording for full details.  

How does automatic extension work?

We will automatically extend the period of insurance for up to 30 days from the policy expiry date without payment of any additional premium if, due to unexpected circumstances beyond your control, for example, due to injury or sickness or unavoidable delays affecting your return common carrier, you cannot complete your trip within the period of insurance stated in your Policy Schedule. This also applies to one person travelling with you who is authorised by us in writing to stay with you if the extension is due to medical reasons.

Who do I call in the event of an emergency during my travel?

Please contact our 24-hour emergency assistance hotline at +65 6733 2552.

Before you buy

Who can purchase travel guard direct and is there an age restriction.

You can purchase Travel Guard Direct if:

• you are ordinarily resident in Singapore (as defined under the Insurance Act 1966) with full rights to enter and return to Singapore regardless of medical status;
•  you are returning to or intending to return to Singapore at the end of your travel; and
• your pre-trip arrangements must be made and paid for, and your trip must commence from Singapore.

Please note if you are above 70 years of age, the sum insured limit for some benefits including Overseas Medical Expenses and Personal Accident is lower.  Please refer to the policy wording for full details

What is the maximum trip period under Travel Guard Direct for return per-trip and annual multi-trip plans?

The maximum trip period covered by Travel Guard Direct is up to:

• 182 days for return per-trip plans; or
• 90 days for any one trip under an annual multi-trip plan.

What is the difference between a per-trip policy and an annual multi-trip policy?

A per-trip policy covers from the time you depart Singapore and ceases upon your arrival in Singapore or the policy end date, whichever comes first. The maximum period of coverage for an overseas trip is 182 consecutive days. An annual multi-trip policy covers unlimited number of overseas trips, for up to 90 consecutive days each, within the policy year.

What zone do I select if I am going on a cruise?

If you are travelling on a cruise, you must select the highest covered zone based on the furthest destination of your cruise.  For example, if your cruise will be stopping at Bali (Region 1) and Maldives (Region 2), you must select Region 2 for Maldives as that is the furthest destination of your cruise.

How do I purchase Travel Guard Direct?

You can purchase Travel Guard Direct via our   website . We accept payment by credit card (Mastercard or Visa).

After you purchase

I wish to make changes to my travel dates or destination for my per trip policy. what should i do.

You can change your travel dates or destination via  AIG’s self-help online portal before the policy effective date.

Can I cancel my Travel Guard Direct policy and get my premium refunded?

Per-Trip policy : There will be no refund of premium once the policy is issued.  

Annual Multi-Trip policy : If the policy is cancelled in the first nine months from the policy issue date, a short rate will apply except if there has been a claim against the policy. A short rate is an insurance premium which we charge if your coverage is less than one year. It is not pro-rated. There will be no refund if you cancel the policy more than nine months from the policy effective date.

Can I extend my Per-Trip policy during my overseas trip?

You may extend your policy provided you have not claimed against or are aware of any known losses or circumstances that might give rise to a loss under the policy. You must apply for the extension prior to the expiry date of your original policy, and the total period of coverage must not exceed 182 days.

You can apply for an extension of your original policy via our online form  and completing the payment of the additional premium. You will be required to confirm your travel arrangements when you extend the policy. Approval for your application for extended cover is subject to our review. Additional terms and conditions may apply and we reserve the right to decline any extension application.

I have an annual multi-trip policy and I need to travel for more than 90 days for a trip. What can I do to extend coverage for this trip?

You can apply for an extension for this trip by submitting a request via our contact us form . However, the total number of days for the trip must not exceed 182 days. You will be required to confirm your travel arrangements when you extend the policy. We will review your application for an extension before deciding whether or not to approve it. If we approve your application, additional terms, conditions and exclusions may apply.  

How can I submit a claim?

Claims may be submitted online here . 

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Travel Insurance

Why should you consider travel insurance.

We highly recommend booking travel insurance for your Kipling & Clark private tour, as it ensures peace of mind during your travels abroad. After many years of filing claims with various travel insurance companies, we find our clients have had the most ease using AIG’s Travel Guard for both the initial booking and claim filing processes. The comprehensive coverage offered by a travel insurance policy safeguards your travel investment, offering financial protection against influences beyond control, such as cancellations, delays, and interruptions. With exclusive benefits tailored to your specific private tour (including additional add-ons available!), you can travel stress-free knowing that your voyage is secured throughout. We encourage you to book a policy independently by clicking here , or you may contact us for general questions/concerns.

Please peruse the different AIG Travel Guard coverage options below.

AIG Travel Guard’s Plans

Deluxe plan.

The Deluxe Plan is the highest level of coverage available, and, we feel, the best option to protect your Kipling and Clark private tour. This plan represents the pinnacle of comprehensive coverage, providing an extensive array of benefits. This level of coverage includes robust protection against trip cancellations, medical emergencies, baggage loss or theft, and even extra coverages such as security evacuation. This premium option is most suitable for those embarking on a high-value or extended trip, particularly on an international or high-risk basis. While this plan is the most expensive option, the investment ensures maximum security and peace of mind.

We feel the Deluxe Plan is the best overall choice for those prioritizing unparalleled protection and looking for a worry-free travel experience. For a high-cost trip, it is always best to yield the level of insurance to equate to and equally protect the value of your very special sojourn.

*Please click the general coverage information image to the right to be linked to EXACT coverage details by STATE of residence. 

Preferred Plan

The Preferred Plan is the “middle” level of coverage offered by AIG TravelGuard. We recommend this tier of insurance to our clients as the minimum standard for protecting their Kipling & Clark private tour. The Preferred Plan is the perfect balance between affordability and comprehensive coverage. It provides a robust package that includes all the essential benefits such as trip cancellation (if cancelled due to a covered reason), baggage protection, and medical coverage. This option is ideal for travelers who are seeking to pay a reasonable cost without sacrificing important safeguards. This plan is a prudent investment to mitigate financial risks associated with unexpected events during the trip.

With all this being said, it is also important to note that with this plan, you can add-on such benefits as CFAR (cancel for any reason), wedding bundle, adventure sports bundle, and many more. These options are not available to add to the Essential Plan. Those embarking on trips that have specific needs or enduring high-risk activities may find this plan to be the most beneficial. Ultimately, this middle level of insurance is a sensible choice for many, offering a well-rounded safeguard against various travel-related uncertainties.

Essential Plan

While the lowest level of travel insurance may provide basic coverage, it is important to note that we typically do not recommend using the Essential Plan for your Kipling & Clark luxury private tour due to its limited scope. This option is typically obtained by those looking for a budget-friendly solution with minimal protection. However, we do not feel this option is best for our clients as it welcomes the possibility of leaving travelers vulnerable to unforeseen circumstances due to its restrictions and exclusions.

For comprehensive peace of mind, we encourage exploring the higher tier plans available, that offer broader coverage and additional/optional benefits, ensuring a more secure and enjoyable travel experience.

Comparing Coverage at a Glance

Additional Coverage Options 

(available only with deluxe and preferred plans).

If you decide to purchase either a Deluxe or Preferred policy, you will have the option to add-on additional coverage at cost. These additional options are available for those seeking extra layers of protection tailored to their specific needs. This customizable approach allows travelers to enhance their insurance with supplementary features such as adventure sports, extra medical coverage, or coverage for high-value items. While it comes at an additional cost (unless included in the Deluxe policy as indicated with a checkmark), these add-on options ensure a personalized and comprehensive safeguard.

(312) 351-3121 [email protected]

500 N Clark St #200 Chicago, IL 60654

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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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Travel Guard Lite

POLICY TYPE

The policy type shows which people are insured under the policy. You can choose from either Individual or Family cover.

If you choose Individual cover this policy insures you only.

If you choose Family cover this policy insures you and/or your spouse and/or your children.

• Under a Per Trip policy, the family must depart from and return to Singapore on the same itinerary together as a family for cover to apply.

GROUP/ COUPLE

Select this option if you have individuals travelling together on the same dates and to the same destination.

For groups/ couple up to a maximum of 50 individual policies on the same transaction.

Modal Message

Please provide a start date

Please provide an end date

Please indicate if only one adult is travelling

Please select the number of travellers

Destination(s) of Travel is a Mandatory Field

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites ( www.AIG.sg or www.gia.org.sg or www.sdic.org.sg ) 

• Policy Wording