Comprehensive plans offer the most benefits, including Trip Cancellation and Trip Interruption. These plans provide the best protection for the investment you have made in your trip.
We bought this coverage hoping not to get sick or delayed on our trip, and to never have to file a claim. BUT: we both got very sick and had to return home early from abroad. We called AIG Travel Assistance to inform them of our plans. They were very responsive, caring and supportive throughout the process. Their Medical Assistance Department followed up with us periodically and helped open the claim. The adjuster who handled our claim was at all times very professional, courteous, prompt and fair. We feel our claim was handled fairly and quickly, and will definitely use AIG Travel Guard Essential again. Medical costs can add up quickly, and the last thing you want when you get sick in a foreign country is worry how you are going to pay for the medical help or return home.
Vyacheslav F. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
I put no in the recommendation because I did not file a claim. The principle test of any insurance carrier is their claims service. Your price was not the best but then again I had limited options because I purchased the coverage so late. That was my fault.
Marlon M. would not
recommend this plan to a friend or relative.
0 of
0 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
Well, well, well...
Our flight back was canceled, we were forced to buy and pay out of pocket for our flight back -- double the original fare! We filed a claim: denied, based on some stupid reasoning on page 22!!! on the contract!!!
Filed for the appeal/review...and 3 month later were paid about half of what they owed us, based on our understanding of coverage!
Something is better than nothing, I guess!
Igor B. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
Thank you for sharing your feedback about International Medical Group® (IMG®). We are sorry we did not meet your expectations. We value your opinion and want to learn more about your experience with IMG so we can improve to better serve you in the future. Please email us at [email protected] to start the conversation.
I would recommend this policy to others but with the following advice. If you make a claim online, keep in mind that the claim examiner assigned to you might not find your situation as straight forward as you think it is. There might be some back and forth -via email or phone call (on your part) about the documentation you submitted (e.g. an explanation in English for a receipt in Italian even though it's pretty obvious what it's for) or a request for more documentation than what you submitted (e.g. submitting not only receipts but credit card statements that match the receipts) .
It will all get worked out, but not overnight and maybe not as quickly as you think it should. I just received my settlement for a claim I initiated 5 weeks ago. I thought that was an acceptable outcome.
One last thing, pay attention to the Trip Delay max. The policy I bought had a daily max of $150. When I was pickpocketed the morning of my cruise and had to stay in Rome overnight to get an emergency passport, then fly to Majorca, Spain to meet up with my ship that would be docking the morning after, I incurred the cost of two nights in a hotel, train and taxi fares, a plane ticket, and the cost of replacing my passport. I was traveling off-season, so both the airfare and the hotel costs were minimal, but I still exceeded the daily limit for 3 days of Travel Delay by $158.00.
Monica P. would
recommend this plan to a friend or relative.