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.
AIG Travel
Travel Guard® Essential
Trip did not have the promoter ran off with the money two days before the trip left. I called the insurance report it would happen I was told by the agent edit with a 14 day grace. Period so I can couldn’t make a claim.
Michael R. would not
recommend this plan to a friend or relative.
2 of
4 people found this review helpful
The trip included a
tour
AIG Travel
Travel Guard® Essential
HORRENDOUS SERVICE, FRAUD. Purchased travel insurance specifically covering trip cancellation. Trip was cancelled and full documentation of cancellation and non-refundable costs was provided.
AIG fraudulently denying the claim and citing one technicality after another. It was bad enough that the trip was canceled now I'm in a bureaucratic nightmare
Spent $1700 for nothing
AIG fraudulently denying the claim and citing one technicality after another. It was bad enough that the trip was canceled now I'm in a bureaucratic nightmare
Spent $1700 for nothing
Paul S. would
recommend this plan to a friend or relative.
10 of
11 people found this review helpful
AIG Travel
Travel Guard Gold
We can't comment yet because we have not submitted yet the claims for the doctor and emergency room cost. My wife had an accident and we paid a doctor and emergency room with our credit card. We are waiting for the bill from a second hospital also. Once we submit and you reimburse we will be more than glad to make a glowing wonderful review of the insurance that we purchased. The only reason I marked low was because this form demanded an answer. Once reimbursement is made please change all to great. We just arrived home Friday night, my wife has an appointment with our doctor here today regarding the accident in France. Will know more later. Sorry for now. 304.312.6955
David T. would
recommend this plan to a friend or relative.
8 of
16 people found this review helpful
The trip included a
cruise
AIG Travel
Travel Guard Basic
Total waste of $150. Insurance covered nothing when I filed a claim. They said it was a pre-existing condition. The traveler was not sick when tickets were bought, but got a UTI after. will not use this company again.
Robert K. would not
recommend this plan to a friend or relative.
5 of
5 people found this review helpful
-
Carol
Thank you for providing your review. Many travelers believe that a preexisting condition indicates that the individual is actually "sick" with that condition prior to purchasing the policy. The preexisting condition exclusion simply tells you that there is no coverage for ANY medical condition, no matter how minor, if that medical condition is referenced in your medical records as receiving treatment or a recommendation for treatment within the look-back period. Treatment may mean a new prescription, a change in prescription or a diagnostic test, even if that test came out as "negative". It would also include symptoms that would have caused a prudent person to seek treatment.
We are sure that you will all agree that this is a very broad definition that would include most medical conditions. However, keep in mind that the look-back period under the Comprehensive plans is only from 60 to 180 days (depending on plan) prior to the policy's effective date, and that the waiver of that exclusion is available in most plans. Unfortunately the AIG Travel Guard Basic plan has no option to purchase the waiver and does have a 180 day look-back period. Nevertheless, you purchased this plan on 10/09/2015 which was within 7 days of your Initial Trip Payment so had you purchased the AIG Travel Guard Silver, Gold or even Platinum plan, you could have had coverage for that condition.
In the future, please give us a call at 800-487-4722 for competitive quotes so that we can review the coverage.Mar 22,2016
The trip included a
tour
AIG Travel
Travel Guard Basic
AIG rejected my claim for travel insurance for our cancelled trip to Italy due to a back problem. I was given different reasons for my rejection and it took 10 months to get my final rejection. I talked with 8 different AIG Travel staff including the President of the company. There were several delays in responses every step of the way in my appeal. Misinformation was given to the NYS Dept. of Finance by AIG. My treatment was unethical and I would never recommend this company to anyone.
mary c. would not
recommend this plan to a friend or relative.
29 of
29 people found this review helpful
AIG Travel
Travel Guard Silver
AIG Travel Insurance it's the worst company ever! my sister cancel her wedding in the Dominican Republican because of all the deaths that was going on out there. They don't want to pay me my money back for my airline ticket. They are the worst. Instead of them wanted to refund us our money back, they'd rather for us to die and then file a claim.
Tatiana H. would not
recommend this plan to a friend or relative.
4 of
7 people found this review helpful
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Carol
Thank you for your review. We're sorry to hear about your negative experience. Both AIG and InsureMyTrip want our customers to choose the correct policy to fit their needs and stress the importance of reviewing your coverage details via the sample Description of Coverage/ Insurance Policy that’s provided at the time of purchase.
Nevertheless, in order to receive reimbursement under the Trip Cancellation benefit, your cancellation must be due to a covered reason listed in the policy, which unfortunately does not include your sister canceling her destination wedding due to the recent deaths in the Dominican Republic. Since state department travel warnings are not covered reasons under any plan, you would have needed to purchase a policy offering the optional Cancel for Any Reason which would have been available to you with the AIG Travel Guard Gold plan.
In the future, if you are looking for guidance in selecting a travel insurance plan, please consider contacting our office at 800-487-4722 where a licensed representative would be happy to assist you.Aug 20,2019
The trip included a
tour
AIG Travel
Travel Guard® Deluxe
I will never use this company again. They refused my claim by bending the rules to give them an excuse to deny the claim
Sheila V. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
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Angie
I’m sorry to hear your trip did not go as planned. Insurance covers for the specific reasons, or covered perils, outlined within the Policy of Insurance. Each claim is fully adjudicated based on the coverage purchased and supporting documentation. You may submit an appeal if your claim was formally denied and you have reason to believe this was an error, or if you have new documentation to support coverage. The easiest way to accomplish this is by responding to the written notification you would have received if/when the claim was denied. You can also reply here, or inform IMT so we can work together to get an appeal started for you.
Jan 04,2024
The trip included a
cruise
tour
AIG Travel
Travel Guard Basic
I was denied my claim because the Travel agency, Sinorama, went bankrupt and this wasn't covered.
Annette C. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
-
Mike
Thank you for your feedback on the policy. We are sorry to hear about the disruption to your trip. We hope that fellow customers find your review and our reply educational.
The AIG Travel Guard Basic plan does not cover claims related to Bankruptcy or Financial Default. It is a listed exclusion on this policy. In the future, please consider calling us prior to purchase to discuss the plan exclusions. We strongly recommend customers read the terms and conditions of the policy within the review period to determine if the policy fits your needs. If the policy does not fit your needs, it can be cancelled within the review period for a refund of premium. Please call us at 800-487-4722 if you have any questions or concerns.Jan 09,2019
AIG Travel
Travel Guard Gold
my granddaughter got food poisoning at an all inclusive. i was reimbursed for medical expenses, but our trip was interrupted for 3 days while we had to stay in our room due to her illness. She was unable to eat. This policy would not consider this a trip interruption because we left on the day we were scheduled to. But we lost 3 days of an all inclusive vacation.
lori d. would not
recommend this plan to a friend or relative.
-
Carol
Thank you for advising us on the status of your claim.
Although we are pleased you received reimbursement of your medical expense, we can certainly understand your frustration to hear that your Trip Interruption claim was denied. However, your Trip interruption claim was fairly denied because it did not meet the terms of your Travel Guard Gold plan which on page 7 of your certificate states:
Trip Interruption Benefits: The Company will reimburse the
Insured up to the Maximum Limit shown in the Schedule or
Declarations Page for Trips that are interrupted due to the Unforeseen events shown above for:
(a) Unused portion of nonrefundable, prepaid insured Trip Cost, and
(b) additional transportation expenses incurred by the Insured, either
(1) to the Return Destination; or
(2) from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
(c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date..."
InsureMyTrip is open 7 days a week, 365 days a year, and our customer care representatives are licensed insurance agents should you have any other questions. Please call us at 800-487-4722 as we would be happy to assist you.Apr 30,2019
AIG Travel
Travel Guard Gold
It’s been 2 months with back and forths with the claims adjuster. I actually feel sorry for her but they’ve made every effort to discredit the documents submitted. It’s a tactic to make you lose patience and walk away... or the staff is not scaled up enough to conduct proper service. Perhaps this was one random incident but it’s the worst insurance experience I’ve had. They are going to simply provide an email to request a premium refund instead of paying out the claim. Strongly suggest you try someone else. I’m stunned a brand of this insurance company’s caliber has such a shoddy response when a claim is made. I am never buying personal or commercial protection from them again.
David C. would not
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
-
Mike
Thank you for your feedback on the policy. We appreciate you using InsureMyTrip for your travel insurance needs. We are sorry to learn that you were dissatisfied with this policy. The claims administrator is required to adjudicate claims based on the terms and conditions of the policy. Receipts and documentation are required to support a claim. Without providing the documents that were requested of you, no determination can be made in terms of offering you compensation. In the future, please consider contacting the claims department immediately after suffering a loss to receive the claims procedure. Please call us at 800-487-4722 if you have any questions or concerns. We would be happy to assist you.Aug 01,2019
"We appreciate the feedback regarding your experience. We do request that all customers review our terms and conditions prior to purchasing. Our policies carry specific covered risks for trip cancellation. We want to make sure that our policy offers the coverage you are looking for. You can also contact our licensed agent call center if you have specific concerns. Our licensed agents would be happy to review the coverage we have available."