AIG Travel is the largest travel insurance provider in the United States, protecting more than 6 million travelers every year. It provides some of the broadest coverage in the travel insurance industry. They review claims within 24-hours of receipt.
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Nevertheless, in order to receive reimbursement under the Trip Cancellation benefit, your cancellation must be due to a covered reason listed in the policy, which unfortunately does not include your sister canceling her destination wedding due to the recent deaths in the Dominican Republic. Since state department travel warnings are not covered reasons under any plan, you would have needed to purchase a policy offering the optional Cancel for Any Reason which would have been available to you with the AIG Travel Guard Gold plan.
In the future, if you are looking for guidance in selecting a travel insurance plan, please consider contacting our office at 800-487-4722 where a licensed representative would be happy to assist you.