Travel Insurance Reviews Travel Insurance Reviews Plans
To find the best travel insurance plan for your trip, you want to know which plans worked well for other customers. All of our travel insurance reviews were submitted by customers who purchased a plan on our site. These reviews cover the spectrum including travel health insurance, cruise insurance, comprehensive travel insurance and last minute travel insurance.
How We Count Reviews: Our online review database contains over 100k reviews and ratings collected directly from customers via our site and third-party platforms. All reviews have been verified as honest ratings from real travelers like you.
InsureMyTrip evaluates all of the reviews posted on the site. "Anytime Advocates" - a team of licensed, uncommissioned travel insurance representatives - are available to assist any customer who may need help facilitating a claim or answering questions about a purchased plan before, during or after their trip.
The trip included a
cruise
AIG Travel
Travel Guard Basic
Claim was very slow, seen by 3 reviewers. Poor communication with me. I never received an adequate explanation. I sent documents and they always wanted more. I will never use AIG Travel Guard again. I urge you not to offer their services.
GRANT C. would not
recommend this plan to a friend or relative.
5 of
5 people found this review helpful
AIG Travel
Travel Guard Basic
Terrible service. I'd like to request a formal refund for the entire amount of the travel insurance. I'll wait to see how you handle this before writing bad reviews about the service online.
Clayton W. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
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Carol
We are very sorry to hear that you were not satisfied with the service. There is no indication that you filed a claim. We also tried to contact you for additional information so that we could offer assistance, but we did not hear from you.
Unfortunately, you are not eligible for a premium refund from AIG Travel Guard. When you first purchased this policy on 04/17/2017, AIG offered you the following:
"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."
Since you requested cancellation of the policy outside that 15 day review period, AIG will not refund your premium.Jun 03,2017 -
North East Team
AIG Travel
Hi Clayton, we are sorry to learn of your dissatisfaction. Can you please contact us at [email protected] so we can further discuss the concerns?Jun 05,2017
AIG Travel
Travel Guard Gold
I purchased 6 months of insurance and was forced to return from Germany after three months. I called and tried to get at least a partial refund or a pause in service. AIG did nothing to work with me. Told me I was out of luck. I travel often to Europe and in fact returning there next month for another 3 months, with the possibility of long if a language visa is granted. Because your company gave zero effort in helping me, not only will I not use your service again, but I will be encouraging all my friends and family who travel with me to not use your service. A customer service rep may contact me if a desire to rectify the situation is the aim, otherwise, don't bother.
Tony H. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
North East Team
AIG Travel
Thank you for sharing your concern. We will have a representative reach out to you so we can review your request.Jul 14,2017
The trip included a
cruise
AIG Travel
Travel Guard Basic
What was considered a legitimate claim for inability to make the trip was denied.
Suellen E. would not
recommend this plan to a friend or relative.
5 of
5 people found this review helpful
-
Zac
Thank you for your feedback on the policy. AIG Travel has issued the following reply:
"When reading the description of coverage of the policy purchased, the reason that was claimed is a general exclusion. We are sorry that this response is not more favorable towards you. If you have any questions or concerns, we are here 24/7 at 1.800.826.1300."Sep 01,2016
The trip included a
tour
AIG Travel
Travel Guard Basic
I recently took a luxury trip to Tahiti. The policy cost me just over $1,400. The trip was interrupted and delayed by a aircraft maintenance issue. The missed flight resulted in a cost of over $5,000 for alternative transportation, and a missed night up at the Four Season's ($2,000). AIG Travel Insurance does not cover aircraft maintenance issues, and would only cover $100 of the night which cost me $2,000. AIG Travel Insurance won't pay your claim. Don't use them. Very unhappy with their poor insurance service and their policy is a joke. Don't waste your money on these expensive policies, since they'll find a way not to pay you on a claim. Also keep in mind for luxury travel, most of these travel insurance agencies will first make your homeowners policies to pay first, and they are the secondary. In this case, they just would not pay for the trip interruption and delay. Buyer beware, don't buy policies from AIG Travel Insurance.
Gregory G. would not
recommend this plan to a friend or relative.
13 of
13 people found this review helpful
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Carol
Thank you for providing a review to assist your fellow travelers. As you indicated, AIG Travel Guard, per the Terms and Conditions of the policy, was only able to pay 100 USD since there was no coverage for mechanical breakdown in the Basic plan for Trip Interruption and limited coverage under Travel Delay. It is never pleasing to hear that only a portion of your claim has been paid, but it does gives us the opportunity to impress on your fellow travelers that they should review the terms of the plan prior to purchase or within the policy review period. Please click on "View Certificate" in your quote to read all the terms and conditions or call Customer Care at (800) 487-4722 to review the plans.Apr 28,2017-
GregG
I spoke to the director of claims today at AIG Travel Insurance. She said that AIG pays out over 90 percent of the claims. When I asked her what percentage of the claim request amount was paid, she refused to answer. In other words, I paid 50 for a luxury trip I wanted insured, and only got 0. She considers this a paid claim. How many claims are underpaid ? When I asked her why a aircraft maintenance issue wasn't covered, she said weather was covered. When I mentioned all the other factors which delay or cancel flights, she said those would not be covered. So if you're late on a flight from air traffic control delay, or any other delay, that is not weather related, you are out of luck. I also ask her how many claims were made, in terms of policies sold. Again, she refused to answer. I left the conversation even more confused than before. What is travel insurance for, if they're not going to cover a trip delay, interruption, or cancellation ? Read your policy carefully before purchasing. Once again, your homeowners or medical insurance is the primary (you may already be covered), and any travel insurance you purchase, will be secondary insurance. And guess what, they make you document that, so your chances of getting paid your requested claim, are virtually nil.May 01,2017-
GregG
- travel delay - statistics show around 24 percent of flights are canceled or delayed per month. only .7 percent due to weather.
- satisfaction guaranteed - but only within 15 day period after purchase (not after you have been denied claims or underpaid claims). I requested a refund on my policy, which was promptly denied, since my 15 day Looking Period had expired, even before my trip was completed. So, in other words, your satisfaction is not guaranteed, because your Looking Period will have expired even before you file a claim.May 02,2017
-
-
AIG Travel
Travel Guard Basic
I missed my flight due to a complication at the airport. The plan did not cover anything related to missing my flight. Giant waste of my money.
Jackson H. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
AIG Travel
Travel Guard Gold
My son had a bad cough through the night. First thing in the morning, we contacted Travel Guard to see which doctor(s) he could go to. They asked 40 minutes of questioning, then the line got disconnected. I called back and had to go through the questioning again. Then I was told I had to wait for a medical rep to call me back because they were all "unavailable." That call came many hours later, and by that time the schedule for the day was shot. In the end, the medical rep saying my son could've gone to any doctor, but the customer reps wouldn't give me that basic information. I was so disgusted by the whole thing that I didn't go through the insurance because I didn't want to deal with Travel Guard again.
Bottom line: They are unavailable for emergencies. And if you have a tight vacation schedule, you DON'T want to be waiting hours for callbacks to see a doctor.
Bottom line: They are unavailable for emergencies. And if you have a tight vacation schedule, you DON'T want to be waiting hours for callbacks to see a doctor.
Shayel A. would not
recommend this plan to a friend or relative.
25 of
26 people found this review helpful
AIG Travel
Travel Guard® Preferred
I had no reason cancelation clause and your agent kept asking me for reasons and proof for my trip being canceled. And to only refund 50% of my trip cost left me in the red. I used another insurance company for my trip to Europe this summer and had my train passage interrupted in France. I had to make airline reservations to complete my trip, and the other company refunded my airfare in full only asking for proof of train cancelation and the cost of airfare. While your company took over a month to send me a refund, this company resolved the issue in two days.
Stephen B. would not
recommend this plan to a friend or relative.
4 of
5 people found this review helpful
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Angie
Documentation confirming cancellation penalties is required, however CFAR is truly cancel for ANY reason and additional information regarding the reason for cancellation is not usually necessary. This information is required if/when the reason for cancellation falls under a covered Trip Cancellation peril listed within the Policy of Insurance. If the reason is not covered under the base plan, and is being reviewed under CFAR instead - additional proof of reason for cancellation should not be requested. As such, I apologize that you were asked for additional documentation for a CFAR claim. I’ve sent your claim to Claims Management so that coaching can be provided. I’m glad to hear your claim was paid, and again apologize for the inconveniences along the way. I hope you will give us another chance to exceed your expectations, and consider Travel Guard insurance for your next trip.
Dec 04,2023
The trip included a
cruise
AIG Travel
Travel Guard® Deluxe
AIG wouldn’t cover my claim because I had moved up our trip by two weeks and hadn’t updated the dates accordingly. I claim not fair! We still had the same cruise trip and airfare expenses. They used this technicality to avoid payment.
Randall S. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Angie
Thank you for leaving a review of AIG Travel. You mentioned in your review that you had made changes to your trip plans but did not update the policy to reflect these changes. The policy needs to have correct travel details in order for coverage to apply. In the event that your trip plans change, you need to contact our call center for assistance with updating the policy to reflect the correct trip information. This should be done immediately once changes are made. Our licensed agent call center can be reached at 888-459-4501.
Dec 13,2023
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
-
"Thanks for reaching out. As shared on our phone call last week, we apologize for the lack of communication from our Claims Department. This is not our normal service standard and we are deeply sorry for the frustration that this has caused you. If you have any outstanding questions or concerns, please don’t hesitate to reach out anytime at 1.800.826.1300."