Travel Insurance Reviews AIG Travel
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.
Learn more about AIG Travel.
AIG Travel
Travel Guard Gold
The major problem with this insurance is lack of primary medical travel insurance. The secondary medical insurance is inadequate. Other parts of insurance are adequate but fairly expensive. Next time I will try to found travel insurance with better medical coverage.
Iwona B. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
tour
AIG Travel
Travel Guard Silver
First time we haven't had to make a claim in ages. But good to know you were there if we needed you
Joanne L. would
recommend this plan to a friend or relative.
The trip included a
tour
AIG Travel
Travel Guard MedEvac Plan
Purchasing this plan gave me the peace of mind I needed while traveling.
Jill H. would
recommend this plan to a friend or relative.
The trip included a
tour
AIG Travel
Travel Guard Basic
Luckily I did not have to use it but it is good to know it is there.
Our travel companions had to cancel right before the trip
I know they had a lot of paper work to fill out
Our travel companions had to cancel right before the trip
I know they had a lot of paper work to fill out
ROBERT L. would
recommend this plan to a friend or relative.
The trip included a
tour
AIG Travel
Travel Guard Silver
I feel that trip insurance in necessary. I don’t like it. I think it costs too much, BUT I have fortunately not had to make a claim. Having it gives me peace of mind.
Margaret H. would
recommend this plan to a friend or relative.
-
Carol
We appreciate your reply and can confirm that pricing is a common complaint among travelers. AIG Travel Guard bases their Comprehensive plan premiums based on trip cost, age of traveler, length of trip and state of Residency.
In the future, we suggest that you call us for assistance when quoting or selecting a policy so we provide you with the most competitively priced premiums.Sep 28,2018
AIG Travel
Travel Guard Gold
The coverage this plan provided gave me peace of mind while traveling. The events of my trip were all positive and there were no disruptions so there was never any need to contact an agent for assistance. Just knowing you were there in the event of an incident was of comfort.
Christie H. would
recommend this plan to a friend or relative.
AIG Travel
Travel Guard Gold
Didn't cover a natural disaster that was part of a declared state of emergency in the area we traveled to and were supposed to stay at. We were told as long as flights were flying and doors stayed open at the hotel, we were on our own.
Gavin A. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Carol
Although we certainly can understand your disappointment with the AIG denial of coverage, this decision would most likely have been the same regardless of the insurance provider. It is very important for all buyers of Comprehensive plans to understand that reimbursement under Trip Cancellation must be based on the covered reasons as listed in the Certificate of Insurance. These covered reasons, which may vary by plan and state, are readily available for your review prior to purchase. Here are the covered reasons with respect to Inclement Weather and Natural Disaster as listed in your AIG Travel Guard Gold plan:
"The Company will reimburse the Insured a benefit, up to the
Maximum Limit shown in the Schedule or Declarations Page if an
Insured cancels his/her Trip or is unable to continue on his/her Trip due to any of the following Unforeseen events...
(b) Inclement Weather causing delay or cancellation of travel...
(d) the Insured’s Primary Residence being made Uninhabitable or Inaccessible by Natural Disaster, vandalism or burglary;
(e) the Insured’s Destination being made Uninhabitable or Inaccessible by flood, tornado, earthquake,
volcanic eruption, fire, wildfire or blizzard that is due to natural causes...
(j) a named hurricane causing cancellation or interruption of
travel to the Insured’s Destination that is Inaccessible or Uninhabitable. Claims are not payable if a hurricane is foreseeable prior to the Insured’s effective date. A hurricane is foreseeable on the date it becomes a named storm. The Company will only pay the benefits for Losses occurring within 30 days after the named hurricane makes the Insured’s
Destination Uninhabitable or Inaccessible...
(n) the Insured’s or Traveling Companion’s company is deemed
to be unsuitable for business due to burglary or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team."
In the future, you may wish to consider purchasing a plan with the Cancel for Any Reason rider. This option, which is available in the AIG Travel Guard Gold and Platinum policies for an additional premium, would reimburse you for 50% of your penalties if you decide to cancel your trip for "other than a covered reason".
We are sincerely sorry that there was no coverage provided by this policy. You may wish to call us at (800)487-4722 or contact us by chat the next time you wish to quote and purchase a plan.Oct 05,2018
AIG Travel
Travel Guard Basic
I didn't need to use the insurance so I' really can't say if it would have provided good coverage.
Rebecca N. would
recommend this plan to a friend or relative.
The trip included a
cruise
AIG Travel
Travel Guard Basic
I thought I bought trip insurance to cover any unexpected occurrences but I found out the hard way that it didn't cover squat. I've told my friends "what ever you do, don't buy AIG insurance.
John H. would not
recommend this plan to a friend or relative.
3 of
4 people found this review helpful
-
Carol
We regret to hear that you were disappointed when you filed a claim with AIG Travel Guard. However, there are no travel insurance plans that would "cover any unexpected occurrences". Both Trip Cancellation and Trip Interruption would reimburse you only for covered expenses that are specifically listed in the policy. Although the number one covered reason in most Comprehensive plans is the unexpected sickness, injury or death of you, a traveling companion or family member, there are other covered reasons that may vary from plan to plan. The list of covered reasons may be reviewed in all plans prior to purchase by clicking on the dollar amount of coverage under Trip Cancelation in your quote.
In the future, you may wish to call us at (800) 487-4722 for assistance in quoting and purchasing a policy.Oct 01,2018
The trip included a
tour
AIG Travel
Travel Guard Basic
We never fly overseas without first purchasing trip insurance. This website is the best way to compare plans and obtain estimates on coverage from different companies. It also has helpful links that help explain what each plan covers so you can choose the plan that best fits your needs. Once the plan is purchased, we can leave home with peace of mind knowing we're covered in case of an emergency. I highly recommend insuremytrip.com.
James W. would
recommend this plan to a friend or relative.
AIG Travel Guard also offered you a Medical Expense and Emergency Evacuation Upgrade which was available for an additional premium of 36.00 USD:
Accident Sickness Medical Expense: Additional 25,000 USD
Emergency Evacuation:
Additional 500,000 USD
Hospital of Choice Included
If hospitalized for more than 7 days:
Bedside Visit Included
The InsureMyTrip website does provide all coverage details for you to review prior to purchasing the policy.
In addition, AIG Travel Guard also offered you a Refund Period:
"FIFTEEN DAY LOOK:
You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: (a) 15 days from the Effective Date of your insurance; or (b) your Scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Certificate."
Please call us at (800) 487-04722 if you have any further questions.