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® Deluxe
I chose a mid-level trip insurance, just in case of a trip tragedy. We did have to file a claim because we had a medical emergency the day prior to leaving for our trip that made it impossible for us to attend. We were finally completely reimbursed after almost a month of filing the claim. I am happy that we were completely reimbursed, but the response time was not exactly up to my standards. We were given a claim representative, but when we did have an issue or needed to contact someone we just had to contact the main company & it took some time for that message to get filtered to our actual representative for a reply.
Jami S. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
AIG Travel
Travel Guard® Deluxe
Fortunately, we did not have to use the insurance coverage. It was easy to compare policies and decide on what we wanted.
Donald H. would
recommend this plan to a friend or relative.
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
-
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
The trip included a
tour
AIG Travel
Travel Guard® Essential
Most travel insurance included air fare. We were not flying and did not want to pay a rate that included flights. The AIG Travel program we chose fit our travel plans perfectly.
Jan L. 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.
The trip included a
cruise
tour
AIG Travel
Travel Guard® Essential
Didn 't need to use, so can't really rate the plan.
Thomas M. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
AIG Travel
Travel Guard® Essential
Ez to use on line. Felt comfortable using and purchasing this plan.
Michael B. would
recommend this plan to a friend or relative.
AIG Travel
Travel Guard® Essential
I recently spent a month in Missoula, MT and purchased AIG Travel Guard Essential for extra peace of mind in case I became ill or injured, especially because I planned to do a lot of day hiking while in Montana. The coverage was good, the price was right and I felt well-protected!
Margery d. would
recommend this plan to a friend or relative.
2 of
4 people found this review helpful
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.