Travel Insurance Reviews AIG Travel Guard

AIG Travel Guard 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 Guard.

Customers who have rated AIG Travel Guard
4.54 out of 5
1,130
ratings and reviews
96%
recommended
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Filed claim
The trip included a
cruise
AIG Travel Guard Silver
I did have to cancel my trip on a Caribbean cruise as my husband and I are undergoing fertility treatment. Based on the recommendations of the CDC and WHO, along with my own physician, we did not travel due to the Zika virus. The cruise lines and airlines themselves recognize that this is a unique situation and have taken steps to accommodate passengers in our situation. The airlines even going as far as fully refunding flights for pregnant or soon to be pregnant passengers flying directly to any affected country in full. In our case we we're flying to Florida for a cruise so we were not able to receive a refund. Believing that I had travel insurance for medical issues, I contacted the travel insurance company to file a claim. They told me that the possibility of contracting an illness was not covered under any plan, but that I would have coverage for it should I get sick while on the trip.

I was very disappointed. While I can understand to the general reasoning behind this policy, this was a unique situation where the governments of many countries were telling their citizens not to travel to a specific area for very serious reasons. We booked the trio before the advisory came out and I think every strongly that the travel companies should have been more helpful. Many at risk people were forced to make a health ca financial decision that they shouldn't have had to make. Luckily I was persistent in my own regard and came to a reasonable compromise with the cruise and air lines directly.

This was my first time purchasing insurance and I would be hesitant to do so again.
Rebecca O. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Zac
    Photo
    Thank you for your feedback on the policy. We are sorry to learn that you are disappointed with your experience. We recommend taking the time to read the Zika Virus and Travel Insurance Coverage article written by InsureMyTrip:

    https://www.insuremytrip.com/learn/travel-tips/zika-virus-travel-insurance-coverage.html

    AIG Travel Guard has issued the following response:

    "Some customers traveling to Central and South America have expressed concerns regarding a recent outbreak of the Zika virus. AIG has sent out a statement that as a general matter, under our US policies:

    - Trip Cancellation for concern or fear of travel associated with sickness, epidemic, or pandemic is not covered.

    - A customer who contracts Zika before traveling, but after purchase of the policy, could be covered for Trip Cancellation benefits.

    - Customers with Cancel For Any Reason coverage could be entitled to a percentage of their loss, depending on the level of CFAR coverage purchased (usually 50%, but can be up to 75%).

    - A customer who contracts Zika while on a covered trip, could be covered for Medical and Trip Interruption/Curtailment benefits if there is a confirmed diagnosis.

    We are happy to clarify any matters related to Zika and travel insurance coverage at 1.800.826.1300. Thanks!"
    Mar 29,2016
AIG Travel Guard Gold
The on line sign up process and payment by credit card was pretty straight forward. I called customer service one time, but cause I had not gotten the police in the mail. the reception told me it was sent but might have gone to my Spam, he sent it a gain right away and asked if I needed any further assistance. I did not have to file a claim, but that was what I wanted. It seemed like a good value for he money, Having the police and all the contact number, gave me piece of mind, I am glad I bought it.
daniel m. would recommend this plan to a friend or relative.
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Value
Satisfaction
Claims not filed
  • Empty Comment
AIG Travel Guard Platinum
We, thankfully, did not need to use our insurance this year, but it certainly provided peace of mind. A woman we know staying at the same resort got sick and needed to be flown back on a medical flight. She didn’t purchase insurance. The cost of the flight was $27,000.
Judy G. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
AIG Travel Guard Gold
As with any insurance, buying it isn't the hard part. It's only if you have a claim do you really find out how good they are to work with. Since I was fortunate enough to have no claim, then I can't really say. They took my money with no problem, but beyond that, I can't say.
David K. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
AIG Travel Guard MedEvac Per Trip Plan
I had no issues so a full review is not possible. I was pleased with ease of obtaining coverage and will use again.
John S. would recommend this plan to a friend or relative.
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Value
Satisfaction
Claims not filed
  • Empty Comment
AIG Travel Guard Basic
I didn't need to use the plan but, when traveling to the part of the world I was it was nice to know it was there. I will consider this before other trips from now on.
James K. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
AIG Travel Guard Gold
Didn't need to use the insurance, but was glad to have it!
Carla K. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
AIG Travel Guard MedEvac Per Trip Plan
Hi! Thankfully I didn't have to use the plan, so I can't really give feedback about that, but I was very happy to be able to buy travel health insurance very last minute online. It made me feel less worried about getting sick in Germany during my trip, so thank you!
Sandra B. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
tour
AIG Travel Guard Basic
AIG made it easy to insure our trip, giving us peace of mind. Very reasonable compared with other plans.
Thomas Y. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
tour
AIG Travel Guard Basic
InsureMyTrip web site was very easy to use and allowed us to pick the insurance policy that covered our tour to Israel at an economical price. After reviewing multiple carriers, we decided on AIG based on price, good coverage, and previous customers’ rating of them.

Unfortunately, about 2-1/2 weeks prior to our departure, my wife suffered a bad fall causing blunt force trauma to her back. Although we were hopeful she would recover in time to make the trip, she was unable to recover sufficiently to make the long flight and endure the physical demands of the 10-day tour. So four days prior to our departure we cancelled our trip. This cost us the full price of the tour.

We called AIG Claims Service, and the agent was very sympathetic and helpful. After a short interview she emailed us the proper forms, which we filled out with the help of the doctor and emailed them back to the claims department.

In a few days I got a call back from our case worker at AIG, and she indicated that our claim was accepted and that we would be receiving our check within a few days. From the time I emailed my claim until the time I received my check was about 7 days.

Based on our experience, I would highly recommend AIG for trip insurance and would certainly use them again in the future.
James H. would recommend this plan to a friend or relative.
5 of 5 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
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