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 rated the AIG Travel Travel Guard Gold plan
4.58 out of 5
1,399
ratings and reviews
97%
recommended
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Cruise
Filed claim
The trip included a
cruise
AIG Travel Travel Guard Gold
We luckily didn't have any issues and didn't need to use the plan but it was nice to receive the updated email right before the trip that reminded us of our coverage and links and gave us the phone numbers we needed. Since you might not have WiFi on the cruise ship, make sure to screenshot those phone numbers.
Aubrey J. 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
AIG Travel Travel Guard Gold
I did not have to file a claim, thankfully! I can only hope all would have gone well if I had. I'll purchase again in the future.
Kim 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
The trip included a
tour
AIG Travel Travel Guard Gold
Have used Travel Guard for many European trips; always compare with other companies and keep coming back to Travel Guard on the basis of coverage vs. cost, especially coverage for emergency evacuation. Knock on wood, have never had to file a claim, so can't comment on quality and timeliness of response to a claim.
Donald 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
Travel insurance provided Peace of mind before and after our international trip. The sales rep we spoke with and purchased the policy provided excellent service and made the process very easy ! Thank you
Ruth 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
AIG Travel Travel Guard Gold
Thankfully I didn’t have to use it but was confident that I had travel and medical in place. Thank you.
Judith Ann N. 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 have used InsureMyTrip several times over the years. The folks at the call center explain my options. Usually no wait time.
Fortunately I have not had to file a claim.
James G. 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
AIG Travel Travel Guard Gold
Great to have the peace of mind !!
Scot K. 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 major problem with this insurance is lack of primary medical travel insurance. The secondary medical insurance is inadequate. Other parts of insurance are adequate but fairly expensive. Next time I will try to found travel insurance with better medical coverage.
Iwona B. would not 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.
  • Carol
    Photo
    AIG Travel Guard Gold does offer Primary Medical Coverage in your state "...when the insurance plan is purchased within 15 days of Initial Trip Payment...Accident Sickness Medical Expense (Primary)".

    AIG Travel Guard also offered you a Medical Expense and Emergency Evacuation Upgrade which was available for an additional premium of 36.00 USD:
    Accident Sickness Medical Expense: Additional 25,000 USD
    Emergency Evacuation:
    Additional 500,000 USD
    Hospital of Choice Included
    If hospitalized for more than 7 days:
    Bedside Visit Included

    The InsureMyTrip website does provide all coverage details for you to review prior to purchasing the policy.
    In addition, AIG Travel Guard also offered you a Refund Period:

    "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."

    Please call us at (800) 487-04722 if you have any further questions.
    Oct 04,2018
AIG Travel Travel Guard Gold
The coverage this plan provided gave me peace of mind while traveling. The events of my trip were all positive and there were no disruptions so there was never any need to contact an agent for assistance. Just knowing you were there in the event of an incident was of comfort.
Christie H. 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
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.
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.
  • 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
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