Travel Insurance Reviews AIG Travel Travel Guard Preferred
The Travel Guard Preferred plan may appeal to families traveling with children, as one child age 17 or under is free for each covered adult. This plan offers Trip Cancellation and Trip Interruption coverage and post-departure coverages such as Baggage Loss and Delay, Trip Delay, Medical, and Emergency Medical Evacuation.
To learn more, see the AIG Travel Guard Preferred product page.
The trip included a
tour
AIG Travel
Travel Guard® Preferred
AVOID TRAVEL GUARD AND AIG INSURANCE CO
We bought AIG Travel Guard to cover our flights and rafting trip in the Grand Canyon. Our Airline (American) cancelled our flight at midnight, 8 hrs prior to departure, and couldn’t offer same day departure on another flight. We had to buy new tickets on a different airline in order to arrive in time to depart on our rafting trip. After 6 months of trying, both the ticket agent and the airline refused to refund us for the full cost of our original tickets and the additional cost of last minute booking on a different airline. We turned to AIG for coverage and our claim was denied because they said the airline cancelling your flight is not a covered reason if it occurs prior to your trip - even 8 hours prior when you have no other options. The policy will cover you if your pet gets sick and you miss your trip, so a sick hamster will get your money back but not an airline cancelling your flight. Wouldn’t you think travel insurance would cover the airline cancelling your flight before covering a sick hamster? AIG’s Travel Guard doesn’t.
Furthermore, our claims experience was a complete disappointment. First, we submitted all required documents with our claim. About 4 weeks passed and then AIG asked for all the documents again. We responded that we had submitted everything with the original claim and asked for clarification on what they were missing. There was no response and then several more weeks of silence went by and we received our denial. All the communications we received from AIG end by saying to please call with any questions. So, we called to speak with someone about our claim. The person who answered was clearly reading from a script and was incapable of providing anything other than the scripted answer. This was evident because we were read the same scripted answer multiple times. We then asked to speak with the adjuster about our claim and were promised a call. That call never came.
We did read the policy prior to purchasing it and consider the policy language vague at best. The average person would have significant difficulty knowing whether a potential travel issue would be covered under this product, and there are scenarios like ours that could affect your trip but that you wouldn’t think to ask about ahead. Except for your hamster suddenly becoming ill - that’s covered, no need to ask.
We also think Insuremytrip.com could do a better job of pointing out common travel issues that aren’t covered, and that this should be part of the comparison tool.
We bought AIG Travel Guard to cover our flights and rafting trip in the Grand Canyon. Our Airline (American) cancelled our flight at midnight, 8 hrs prior to departure, and couldn’t offer same day departure on another flight. We had to buy new tickets on a different airline in order to arrive in time to depart on our rafting trip. After 6 months of trying, both the ticket agent and the airline refused to refund us for the full cost of our original tickets and the additional cost of last minute booking on a different airline. We turned to AIG for coverage and our claim was denied because they said the airline cancelling your flight is not a covered reason if it occurs prior to your trip - even 8 hours prior when you have no other options. The policy will cover you if your pet gets sick and you miss your trip, so a sick hamster will get your money back but not an airline cancelling your flight. Wouldn’t you think travel insurance would cover the airline cancelling your flight before covering a sick hamster? AIG’s Travel Guard doesn’t.
Furthermore, our claims experience was a complete disappointment. First, we submitted all required documents with our claim. About 4 weeks passed and then AIG asked for all the documents again. We responded that we had submitted everything with the original claim and asked for clarification on what they were missing. There was no response and then several more weeks of silence went by and we received our denial. All the communications we received from AIG end by saying to please call with any questions. So, we called to speak with someone about our claim. The person who answered was clearly reading from a script and was incapable of providing anything other than the scripted answer. This was evident because we were read the same scripted answer multiple times. We then asked to speak with the adjuster about our claim and were promised a call. That call never came.
We did read the policy prior to purchasing it and consider the policy language vague at best. The average person would have significant difficulty knowing whether a potential travel issue would be covered under this product, and there are scenarios like ours that could affect your trip but that you wouldn’t think to ask about ahead. Except for your hamster suddenly becoming ill - that’s covered, no need to ask.
We also think Insuremytrip.com could do a better job of pointing out common travel issues that aren’t covered, and that this should be part of the comparison tool.
Dallas V. would not
recommend this plan to a friend or relative.
14 of
14 people found this review helpful
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Angie
We at AIG Travel apologize for any challenges you experienced with your claim. Claims are adjudicated based on the coverage purchased and supporting documentation submitted. If you would like assistance with contacting your Claim Adjuster to further review the outcome of your claim and the benefits available, please let us know.Apr 25,2023-
DallasV
To anyone consider AIG Travel Guard, this reply from AIG is representative of the level of customer service you can expect from AIG should you ever have a claim. My review states we were promised a call from our claim adjuster, and the claim adjuster never called. Now, the response from AIG asks if we want assistance contacting our Claim Adjuster.
Angie @ AIG - we are still waiting for a call from the claim adjuster that we requested months ago, so please follow up on the original request for the claim adjuster to call us.
Thank you.May 01,2023
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AIG Travel
Travel Guard® Preferred
Although it was not utilized the peace of mind it provided was invaluable.
Sandra C. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
AIG Travel
Travel Guard® Preferred
Peace of mind insurance. Fortunately, did not use.
Robert C. would
recommend this plan to a friend or relative.
AIG Travel
Travel Guard® Preferred
Gave me some peace of mind to have this coverage...thank you.
Philip H. would
recommend this plan to a friend or relative.
The trip included a
tour
AIG Travel
Travel Guard® Preferred
With the uncertainty of COVID restrictions possibly affecting travel, plus our own medical issues, we purchased the AIG travel insurance. Fortunately, our travel plans were not affected by either concern. We are satisfied that our plans were protected.
Diane M. would
recommend this plan to a friend or relative.
AIG Travel
Travel Guard® Preferred
The cost of plan was reasonable. Easy to purchase from Insure My Trip website. Fortunately, all went well on our trip and we didn't need travel insurance. But, always good to have.
Dale H. would
recommend this plan to a friend or relative.
AIG Travel
Travel Guard® Preferred
I filed a claim because, after making an Airbnb reservation, the place was revealed to be infested with bedbugs. Airbnb would not refund because the host would not cooperate. They urged me to file a claim with my travel insurance.
The adjuster sent a series of absurd emails which suggested that I would only be compensated if I KEPT the reservation and CONTRACTED bed bugs. This is a public health nightmare, and especially galling because I'd upgraded coverage because of the constant shuffling of plans around COVID.
The adjuster sent a series of absurd emails which suggested that I would only be compensated if I KEPT the reservation and CONTRACTED bed bugs. This is a public health nightmare, and especially galling because I'd upgraded coverage because of the constant shuffling of plans around COVID.
Jennifer L. would not
recommend this plan to a friend or relative.
13 of
14 people found this review helpful
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Megan B.
Dear Valued Customer,
Thank you for your feedback. We are sorry to learn that you were unable to travel. Please see the response provided by AIG Travel Guard below:
“I’m sorry to hear about these challenges surrounding your canceled trip. Our insurance plans include a list of covered reasons for cancellation. Claims are fully adjudicated based on the coverage purchased, and supporting documentation. Covered perils are outlined within the Policy of Insurance, and are reviewed with Insureds during the claims adjudication process. Aside from cancellation coverage, all other benefits are “port departure” benefits, meaning the loss must occur while on the covered trip for coverage to apply. If you have further questions about the outcome of your claim, please contact Travel Guard or the Claim Adjuster assigned to your claim. We are here to help.”Jan 13,2022
AIG Travel
Travel Guard® Preferred
Although I did not need to use the insurance and we had a wonderful vacation, the peace of mind of knowing it was there if needed was priceless in these uncertain times.
Kathryn Ann Krchak D. would
recommend this plan to a friend or relative.
1 of
3 people found this review helpful
AIG Travel
Travel Guard® Preferred
Had to contact my state’s Insurance Commission and the Wisconsin BBB to get fair treatment. Things are finally resolved after endless humiliation and hassle and only resolved thanks to the Insurance Commissioner and the BBB.
Sandra S. would not
recommend this plan to a friend or relative.
10 of
12 people found this review helpful
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Megan
Thank you for your feed back.
Please see the response from AIG Travel Guard:
"I am happy to hear that your claim has been resolved, but I’m equally sorry to hear about your trip cancellation and the challenges you may have experienced during the claim process. All claims require supporting documentation of the claimed occurrence, and are fully adjudicated based on the coverage purchased and that supporting documentation. Again, we sincerely apologize for any delays in processing your claim. Your feedback is appreciated. Covid-19 has caused an influx of claims volume and we are making every effort to review and process claims as quickly as possible. We hope you are able to travel again soon! "
Apr 22,2021
AIG Travel
Travel Guard® Preferred
This gave me great peace of mind.!I had a gap in my regular health coverage that coincided with my trip. Being able to purchase travel insurance meant I didn’t have to worry. Thankfully there was no need to use it, but I was glad for the peace of mind it gave!
Janelle J. would
recommend this plan to a friend or relative.
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Antonia Pozarski
AIG Travel
Thank you for the positive review! I am glad you did not experience any disruptions during your trip, and that your coverage provided peace of mind during your travels. We are always here 24/7 to assist you! Take care, and stay safe.Apr 21,2021
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