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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.

Customers rated the AIG Travel Travel Guard® Essential plan
4.29 out of 5
102
ratings and reviews
92%
recommended
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Cruise
Filed claim
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.
1 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
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 2 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
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.
Kimberly S. would not recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Angie
    Photo
    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
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
tour
AIG Travel Travel Guard® Essential
As a former insurance agent I always use Insuremytrip when I travel. I can choose the coverages I want & the price I'm willing to pay. The financial stability of the company is important to me as well & I would not purchase insurance with a company with less than an A- rating no matter how attractive the premium is.
Sharon A. would recommend this plan to a friend or relative.
2 of 3 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
AIG Travel Travel Guard® Essential
Good coverage and response quickly in my claim for medical dental emergency expense
Daniel C. would recommend this plan to a friend or relative.
2 of 3 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
AIG Travel Travel Guard® Essential
Our trip was interrupted by a flight cancellation which threatened our ability to reach the start of our scuba liveaboard dive boat. Fortunately, we secured another flight, at an increased cost, and were able to make our cruise. The insurance would not cover the increase in cost which made us realize that the coverage was not what we expected. We now realize that if we had not gotten a substitute flight at an increased cost, we would have not been reimbursed for our liveaboard cruise which was the most expensive portion of our trip -- this is what we actually wanted covered by the insurance. Very disappointing and we will not purchase travel insurance again except for, and through, our medical provider and for medical coverage only. Paying over $1k for this insurance and not having protection against an airline cancellation is frustrating. Yes, if we understood all the details beforehand we would have known this ahead of time, but that was not the case. I am sure that is true for most purchasers.
Carol D. would not recommend this plan to a friend or relative.
4 of 5 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
AIG Travel Travel Guard® Essential
I have already purchased a plan for my next trip!
Patricia Z. would recommend this plan to a friend or relative.
1 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
AIG Travel Travel Guard® Essential
This was one of the rare trips where we did need to file a claim, due to a cancelled flight. Once we submitted the paperwork and documentation, AIG processed and paid the claim pretty quickly without squawking about it. So experience with the policy was good and smooth.
Bryan B. would recommend this plan to a friend or relative.
1 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
AIG Travel Travel Guard® Essential
I really can’t make a true review, because we have yet to have an opportunity to use it. However, we have gotten an email from the car rental company stating there was a large scratch on the back bumper. We never saw that, never noticed it, and have no idea if it was there when we got the car. So, is AIG going to cover that damage if we are charged with it?
Beth B. 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
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