Travel Insurance Reviews AIG Travel Travel Guard Essential
The Travel Guard Essential plan is the most economical of the three comprehensive trip cost protection plans offered by AIG Travel Guard and may be ideal for travelers on a tight budget who want coverage in the event they have to cancel or interrupt their trip. Other coverages include Travel Delay, Medical, and Emergency Medical Evacuation. Options include Medical and Evacuation bundle, Security Bundle, and Rental Car Collision. 24-hour Assistance is included. Leave your Travel Guard insurance review below.
To learn more, see the AIG Travel Guard Essential product page.
The trip included a
cruise
tour
AIG Travel
Travel Guard® Essential
Thankfully we didn't to file a claim, but insuremytrip offered the best coverage options at the most affordable rates. We have already purchased a policy for our next trip!
Kevin K. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
AIG Travel
Travel Guard® Essential
It is hard to write a review when we didn't use your service. Yes, we bought the policy, but, thankfully, did not need to use it. If I ever have to file a claim I will write a review. But hearing from a friend, you are not easy to work with.
Mary D. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
AIG Travel
Travel Guard® Essential
Thankfully I did not have to file a claim, but I felt comfortable knowing I was covered had something happened on my long weekend trip
Etienne B. would not
recommend this plan to a friend or relative.
The trip included a
cruise
tour
AIG Travel
Travel Guard® Essential
I incurred expenses due to a lengthy flight delay that involved thunderstorms in NJ and then a flight control bottleneck. AIG denied my claim saying that air traffic control issues are an excluded cause. I don't doubt that but why? It feels like they deliberately planted odd loopholes to save themselves some $ and I'm feeling like "why do I even buy travel insurance?!"
Vincent S. would not
recommend this plan to a friend or relative.
The trip included a
cruise
tour
AIG Travel
Travel Guard® Essential
Great company
Kathy C. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
AIG Travel
Travel Guard® Essential
Usually, you can rate / judge specific plan when you have to make a claim. Otherwise, your review is based only on the coverage described.
ANNA V. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
AIG Travel
Travel Guard® Essential
Wanted a little security for our trip to Sicily as our granddaughter was just completing 6 months of chemo and not knowing if we would be needed to return for any unexpected medical emergencies. Luckily we went and came without any incidents. But nice to know we were covered just incase.
John M. would
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
The trip included a
cruise
AIG Travel
Travel Guard® Essential
We had a great cruise and didn't need insurance.
PAUL P. would
recommend this plan to a friend or relative.
1 of
3 people found this review helpful
The trip included a
cruise
tour
AIG Travel
Travel Guard® Essential
This is an awful plan. I had to pay thousands upfront for hospitalization. That took away funds needed for the remainder of my trip. That was the whole purpose of obtaining insurance.
The customer service was no help. The number on the policy did not work. I had to go online to get a number to call.
Never again and I will let everyone know.
The customer service was no help. The number on the policy did not work. I had to go online to get a number to call.
Never again and I will let everyone know.
Kimberly S. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
-
Angie
We are very sorry to hear about your hospitalization while on your trip. We hope that you have fully recovered! In general, travel insurance is reimbursement based. The Insured files a claim for losses related to a covered trip, and all claims are fully adjudicated based on the coverage purchased and supporting documentation. We cannot preapprove or deny a claim. There are limited circumstances in which advance payment may be provided, such as to a hospital or provider if it’s required prior to admission. These details are outlined within your Policy of Insurance document.
It’s also important to note that while many Travel Guard products have “primary” medical, the Essential Plan is our more economical option and medical is “secondary”. This means the Insured would file through any other primary provider first, before filing a claim for the excess under their Essential policy. The Essential plan offers an optional upgrade called the Medical Bundle to make the medical benefit “primary” instead of “secondary”, but this upgrade needs to be elected and purchased prior to the trip departure date. As noted, we have many plans that include primary medical automatically without needing to purchase an upgrade for it. Our Preferred plan for example, is the next step up from the Essential plan, and it includes primary medical. Please refer to the description of the Travel Medical Expense benefit within your Policy of Insurance for more information, or call us to learn more. That being said, we are also sorry to hear you experienced challenges while trying to contact us during your trip. You indicated you did not wish to be contacted in regards to your review, but please let us know which phone number you were calling, so we can fully investigate and rectify the issue if need be. The International, Domestic, and 24/7 Emergency numbers listed on the Policy of Insurance document all appear to be in working-order. These numbers are as follows:
USA : 1.800.826.1300 | International : 1.715.345.0505 | 24-Hour Emergency Travel Assistance : 1.800.826.8597
Always make sure to use appropriate country and city codes when calling.
Thank you for sharing your concerns, and we are very sorry to hear you were unsatisfied with the experience. We strive to exceed expectations, and do not take concerns lightly. If you would like the Claims Adjuster to contact you about your claim, please notify us or IMT to arrange a call.Jun 07,2024
The trip included a
cruise
AIG Travel
Travel Guard® Essential
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.
6 of
6 people found this review helpful
Thank you for your feedback. AIG has provided the following response.
"Thank you for providing this review and I’m sorry to hear that your travel plans were interrupted while away. The term ‘Air Traffic Control’ does not appear in the exclusions of our Essential plan. Our Essential plan does carry Trip Delay benefits for situations where Inclement Weather causing a delay of 12 or more consecutive hours. Documentation must be provided to support the claim. I would recommend that you contact our Claims Call Center in order to review the claim determination in greater detail. Our Claims Call Center can be reached at 855-668-7303."