Travel Insurance Reviews AIG Travel Travel Guard Gold

The AIG Travel Travel Guard Gold plan offers mid-level coverage and more options than Travel Guard Basic and Travel Guard Silver, allowing you to customize the plan to best fit your needs. In addition to Trip Cancellation, this plan offers Cancel for Any Reason coverage and a Pre-Existing Conditions Waiver. Children age 17 and under are free when there is at least one covered adult on the plan.

To learn more, see the AIG Travel Travel Guard Gold product page.

Customers who have visited the United States rated the AIG Travel Travel Guard Gold plan
4.58 out of 5
135
ratings and reviews
97%
recommended
Sort by
Showing
Cruise
Filed claim
AIG Travel Travel Guard Gold
Didn't cover a natural disaster that was part of a declared state of emergency in the area we traveled to and were supposed to stay at. We were told as long as flights were flying and doors stayed open at the hotel, we were on our own.
Gavin A. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Carol
    Photo
    Although we certainly can understand your disappointment with the AIG denial of coverage, this decision would most likely have been the same regardless of the insurance provider. It is very important for all buyers of Comprehensive plans to understand that reimbursement under Trip Cancellation must be based on the covered reasons as listed in the Certificate of Insurance. These covered reasons, which may vary by plan and state, are readily available for your review prior to purchase. Here are the covered reasons with respect to Inclement Weather and Natural Disaster as listed in your AIG Travel Guard Gold plan:

    "The Company will reimburse the Insured a benefit, up to the
    Maximum Limit shown in the Schedule or Declarations Page if an
    Insured cancels his/her Trip or is unable to continue on his/her Trip due to any of the following Unforeseen events...
    (b) Inclement Weather causing delay or cancellation of travel...
    (d) the Insured’s Primary Residence being made Uninhabitable or Inaccessible by Natural Disaster, vandalism or burglary;
    (e) the Insured’s Destination being made Uninhabitable or Inaccessible by flood, tornado, earthquake,
    volcanic eruption, fire, wildfire or blizzard that is due to natural causes...
    (j) a named hurricane causing cancellation or interruption of
    travel to the Insured’s Destination that is Inaccessible or Uninhabitable. Claims are not payable if a hurricane is foreseeable prior to the Insured’s effective date. A hurricane is foreseeable on the date it becomes a named storm. The Company will only pay the benefits for Losses occurring within 30 days after the named hurricane makes the Insured’s
    Destination Uninhabitable or Inaccessible...
    (n) the Insured’s or Traveling Companion’s company is deemed
    to be unsuitable for business due to burglary or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team."

    In the future, you may wish to consider purchasing a plan with the Cancel for Any Reason rider. This option, which is available in the AIG Travel Guard Gold and Platinum policies for an additional premium, would reimburse you for 50% of your penalties if you decide to cancel your trip for "other than a covered reason".

    We are sincerely sorry that there was no coverage provided by this policy. You may wish to call us at (800)487-4722 or contact us by chat the next time you wish to quote and purchase a plan.
    Oct 05,2018
The trip included a
cruise
AIG Travel Travel Guard Gold
I had a wonderful trip and I didn't need to file a claim. I trust that if I did need to file a claim, I would have no issues with AIG.
Barbara P. 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
The trip included a
tour
AIG Travel Travel Guard Gold
plan wasn't that expensive and customer service, on the front end of buying the plan, was excellent.
Matt M. 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 Travel Guard Gold
The trip was cancelled due to excess snow but we continued our deposit to next year so we did not use the plan
John C. 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
The trip included a
tour
AIG Travel Travel Guard Gold
I have not need to file a claim myself but 2 of my friends had illness/injury on their trips and were very happy with your company's response.
Mary E. 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
The trip included a
cruise
tour
AIG Travel Travel Guard Gold
I use Insure My Trip and Travel Guard whenever I take a trip where I feel insurance is necessary. My wife and I are in our 80's, so we are very concerned about making sure we qualify for the existing condition waiver, because if we get sick, it will probably be from a pre-existing condition. However, when I subsequently purchased the air fare for this trip, I forgot to immediately add the cost to the policy, and missed the 15 day purchase requirement. I still added it some 10 days later at a cost of over $400. However, it is my understanding that, because I missed the 15 day purchase requirement, I apparently voided a substantial part of my coverage, particularly the pre-existing condition waiver. And this is after I paid over $3,300 for the trip insurance coverage. This does not seem fair at all to me. I do my best to follow the rules, but void my coverage for a 10 day mistake. I believe that this is an overly restrictive provision. I have just purchased another travel insurance policy for a trip in 2019, but feel that these types of requirements are put in place as a means of denying coverage, which I do not think is fair.
Finley L. 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.
  • Melissa J.
    Photo
    Thank you for your feedback on the policy. We are sorry to learn that you are dissatisfied with the plan. The AIG Travel Guard Gold does offer the pre-existing conditions waiver with the following requirements met:

    "(1) This plan is purchased within 15 days of Initial Trip Payment;
    (2) The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the
    Trip at the time of purchase and the costs of any subsequent arrangements added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangements;
    (3) All Insured’s are medically able to travel when this plan cost is paid;
    (4) The Trip Cost does not exceed 100,000USD per person
    (only applicable to Trip Cancellation/ Interruption)."

    As a travel insurance comparison website, we offer a wide range of plans. In the future, please call us at 800-487-4822 prior to purchasing a policy so that we can assist you in selecting a policy that best suits your needs.
    May 17,2018
AIG Travel Travel Guard Gold
AIG was a pleasure to work with and processed my claim very quickly!
sharon m. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
AIG Travel Travel Guard Gold
I purchased the coverage in case of an ice/snow storm that may have prevented travel out of North Carolina. That sometimes happens in January-March. Luckily, I did not have to use it for the day of travel but as things happen two days before leaving we received 10 inches of snow. The trip to the airport was ice covered and slow, but we made it. The plane was delayed because of a deicing issue, but we were able to get to our destination as planned! The coverage of the insurance assured, peace of mind surrounding my financial outlay.
Donna J. would recommend this plan to a friend or relative.
1 of 1 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 Gold
No issues but, we had no issues. Thankful we didn’t have to use the insurance.
Beth T. would recommend this plan to a friend or relative.
1 of 1 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 Gold
The process was easy, the plan was straightforward, the price was reasonable, and the phone support people were professional, knowledgeable, friendly, and helpful. Couldn't ask for more!
James D. 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
Show reviews per page.

Top 5 Providers

  1. GeoBlue
    (4.70)
  2. IMT Services
    (4.67)
  3. MedjetAssist
    (4.65)
  4. Nationwide
    (4.63)
  5. Arch RoamRight
    (4.61)
  1. GeoBlue
    (4.58)
  2. Allianz Global Assistance
    (4.53)
  3. Crum & Forster - Travel Insured International
    (4.52)
  4. Berkshire Hathaway Travel Protection
    (4.51)
  5. Travelex
    (4.51)