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
4.59 out of 5
1,369
ratings and reviews
97%
recommended
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Filed claim
AIG Travel Travel Guard Gold
Fortunately, we did not need to use the travel insurance, but it was reassuring to know that we had it.
Helen S. 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
Fortunately, I did not have to make a claim. I think the peace of mind was worth the cost.
Kenneth 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
AIG Travel Travel Guard Gold
Since I did not not have to file a claim, I cannot really say how good the plan was. From my experience with insurance companies, they are good at collecting your premium, but not always good at paying a claim.
Howard S. 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
Insurance is a complicated topic. It would be helpful if explanation of benefits was complete but simplified. For example, what pre-existing medical conditions are not covered in the policy selected.
James S. 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.
  • Carol
    Photo
    Thank you for the suggestion. However, AIG Travel Guard does
    offer you a detailed definition of the waiver in the quote. Just click on View Certificate at the top of the quote or the Preexisting Period of 180 days, which was in blue print, within the quote for the complete Preexisting Condition Exclusion.

    Here is the definition of Preexisting Medical Conditions on your AIG Gold plan:

    "(o) PRE-EXISTING MEDICAL CONDITION EXCLUSION: The
    Company will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition of an Insured, Traveling Companion, Business Partner or Family Member which, within the 180 day period immediately preceding and including the Insured’s coverage effective date: (a) first manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; (b) for which care or treatment was given or recommended by a Physician; (c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines."

    Please always remember that we are available weekdays from 9:00 AM to 9:00 PM ET and weekends from 7:00 AM to midnight ET if you wish to call us for assistance in purchasing a policy.
    Apr 28,2018
AIG Travel Travel Guard Gold
It's a very comprehensive plan at a great value. We had to have an entire trip refunded, and there were no problems with the process. Unfortunately, my agent was audited, and the process took longer than I would've liked to receive my refund check. Perhaps some communication during the time that he was audited would have been helpful. All in all, the check was received within a month of filing the claim.
Deborah G. would 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.
  • Empty Comment
AIG Travel Travel Guard Gold
Good plan for reasonable cost. Happily, we never needed to ask for help.
Edward 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
The trip included a
cruise
tour
AIG Travel Travel Guard Gold
Since I did not need to file a claim for a loss I cannot comment on any claim process. I am thankful this was the case and trust that should I have needed to file a claim I would have had financial recourse for any loss. I feel better when traveling to have some type of travel insurance in force. I have purchased coverage from AIG previously and feel they are a reputable company.
Donald W. 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 had to file 2 claims for this trip: Medical (cruise ship doctor and medicine) and trip delay caused by a cancelled flight due to bad weather. The airline had no flights that would make my cruise ship so I had to fly out of a different airport and airline. The new tickets were almost twice the price. This was the first time I have had to file a claim so I didn't know what to expect. They covered all my extra expenses for the trip delay and all the medical expenses. I filed online and it was resolved within a few days. Very pleased.
Donald M. would recommend this plan to a friend or relative.
1 of 1 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
tour
AIG Travel Travel Guard Gold
A simple claim that it was handled quickly and easily
Joanne L. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
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