Travel Insurance Reviews AIG Travel Travel Guard Preferred
The AIG Travel Guard Preferred plan may appeal to families traveling with children, as one child age 17 or under is free for each covered adult. This plan offers Trip Cancellation and Trip Interruption coverage and post-departure coverages such as Baggage Loss and Delay, Trip Delay, Medical, and Emergency Medical Evacuation.
To learn more, see the AIG Travel Guard Preferred product page.
The trip included a
tour
AIG Travel
Travel Guard Preferred
AVOID TRAVEL GUARD AND AIG INSURANCE CO
We bought AIG Travel Guard to cover our flights and rafting trip in the Grand Canyon. Our Airline (American) cancelled our flight at midnight, 8 hrs prior to departure, and couldn’t offer same day departure on another flight. We had to buy new tickets on a different airline in order to arrive in time to depart on our rafting trip. After 6 months of trying, both the ticket agent and the airline refused to refund us for the full cost of our original tickets and the additional cost of last minute booking on a different airline. We turned to AIG for coverage and our claim was denied because they said the airline cancelling your flight is not a covered reason if it occurs prior to your trip - even 8 hours prior when you have no other options. The policy will cover you if your pet gets sick and you miss your trip, so a sick hamster will get your money back but not an airline cancelling your flight. Wouldn’t you think travel insurance would cover the airline cancelling your flight before covering a sick hamster? AIG’s Travel Guard doesn’t.
Furthermore, our claims experience was a complete disappointment. First, we submitted all required documents with our claim. About 4 weeks passed and then AIG asked for all the documents again. We responded that we had submitted everything with the original claim and asked for clarification on what they were missing. There was no response and then several more weeks of silence went by and we received our denial. All the communications we received from AIG end by saying to please call with any questions. So, we called to speak with someone about our claim. The person who answered was clearly reading from a script and was incapable of providing anything other than the scripted answer. This was evident because we were read the same scripted answer multiple times. We then asked to speak with the adjuster about our claim and were promised a call. That call never came.
We did read the policy prior to purchasing it and consider the policy language vague at best. The average person would have significant difficulty knowing whether a potential travel issue would be covered under this product, and there are scenarios like ours that could affect your trip but that you wouldn’t think to ask about ahead. Except for your hamster suddenly becoming ill - that’s covered, no need to ask.
We also think Insuremytrip.com could do a better job of pointing out common travel issues that aren’t covered, and that this should be part of the comparison tool.
We bought AIG Travel Guard to cover our flights and rafting trip in the Grand Canyon. Our Airline (American) cancelled our flight at midnight, 8 hrs prior to departure, and couldn’t offer same day departure on another flight. We had to buy new tickets on a different airline in order to arrive in time to depart on our rafting trip. After 6 months of trying, both the ticket agent and the airline refused to refund us for the full cost of our original tickets and the additional cost of last minute booking on a different airline. We turned to AIG for coverage and our claim was denied because they said the airline cancelling your flight is not a covered reason if it occurs prior to your trip - even 8 hours prior when you have no other options. The policy will cover you if your pet gets sick and you miss your trip, so a sick hamster will get your money back but not an airline cancelling your flight. Wouldn’t you think travel insurance would cover the airline cancelling your flight before covering a sick hamster? AIG’s Travel Guard doesn’t.
Furthermore, our claims experience was a complete disappointment. First, we submitted all required documents with our claim. About 4 weeks passed and then AIG asked for all the documents again. We responded that we had submitted everything with the original claim and asked for clarification on what they were missing. There was no response and then several more weeks of silence went by and we received our denial. All the communications we received from AIG end by saying to please call with any questions. So, we called to speak with someone about our claim. The person who answered was clearly reading from a script and was incapable of providing anything other than the scripted answer. This was evident because we were read the same scripted answer multiple times. We then asked to speak with the adjuster about our claim and were promised a call. That call never came.
We did read the policy prior to purchasing it and consider the policy language vague at best. The average person would have significant difficulty knowing whether a potential travel issue would be covered under this product, and there are scenarios like ours that could affect your trip but that you wouldn’t think to ask about ahead. Except for your hamster suddenly becoming ill - that’s covered, no need to ask.
We also think Insuremytrip.com could do a better job of pointing out common travel issues that aren’t covered, and that this should be part of the comparison tool.
Dallas V. would not
recommend this plan to a friend or relative.
6 of
6 people found this review helpful
-
Angie
We at AIG Travel apologize for any challenges you experienced with your claim. Claims are adjudicated based on the coverage purchased and supporting documentation submitted. If you would like assistance with contacting your Claim Adjuster to further review the outcome of your claim and the benefits available, please let us know.Apr 25,2023-
DallasV
To anyone consider AIG Travel Guard, this reply from AIG is representative of the level of customer service you can expect from AIG should you ever have a claim. My review states we were promised a call from our claim adjuster, and the claim adjuster never called. Now, the response from AIG asks if we want assistance contacting our Claim Adjuster.
Angie @ AIG - we are still waiting for a call from the claim adjuster that we requested months ago, so please follow up on the original request for the claim adjuster to call us.
Thank you.May 01,2023
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The trip included a
cruise
AIG Travel
Travel Guard Preferred
We buy AIG Travel Guard for each cruise and so far haven't had to use it, but feel comfortable that it's there.
Catherine H. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
AIG Travel
Travel Guard Preferred
March 5, 2023:
Since filing a claim my wife, Gail, has done the following: Initial claim: November 2022; had to get a agent to help get a claim number on line and December 13, 2022 submitted the requested information and received a confirmation that documents submitted were received; December 23, 2022 requesting the same information; January 6 received identical correspondence from Brandyn Dang requesting more information which was sent AGAIN; January 18 email from AIG they needed more time to review my claim, January 26 sent email to AIGTravlAlerts requesting some one call my wife Gail. Gail finally spoke to someone in Customer service who said although we check on the status of our claim the web page to check on the status has not been updated and shows closed. I insisted on speaking to a supervisor who was absolutely NO help. This is very frustrating and I am not the only one having issues with AIG. I have a friend who also is await a response from AIG since November 2022. They are quick to take our money but delays, delays, request for the same information...this is a very poor insurance company.
Since filing a claim my wife, Gail, has done the following: Initial claim: November 2022; had to get a agent to help get a claim number on line and December 13, 2022 submitted the requested information and received a confirmation that documents submitted were received; December 23, 2022 requesting the same information; January 6 received identical correspondence from Brandyn Dang requesting more information which was sent AGAIN; January 18 email from AIG they needed more time to review my claim, January 26 sent email to AIGTravlAlerts requesting some one call my wife Gail. Gail finally spoke to someone in Customer service who said although we check on the status of our claim the web page to check on the status has not been updated and shows closed. I insisted on speaking to a supervisor who was absolutely NO help. This is very frustrating and I am not the only one having issues with AIG. I have a friend who also is await a response from AIG since November 2022. They are quick to take our money but delays, delays, request for the same information...this is a very poor insurance company.
Richard P. would not
recommend this plan to a friend or relative.
5 of
5 people found this review helpful
The trip included a
cruise
AIG Travel
Travel Guard Preferred
Glad I had it in my back pocket... also glad I did not have to use it.
Michael W. would
recommend this plan to a friend or relative.
1 of
3 people found this review helpful
The trip included a
tour
AIG Travel
Travel Guard Preferred
Did nit have to use it but was happy knowing I had it…
Jane P. would
recommend this plan to a friend or relative.
-1 of
2 people found this review helpful
AIG Travel
Travel Guard Preferred
It’s a relief to have an insurance plan like yours in place while traveling! It was easy to make this purchase and gave me comfort. Very happy I did not need to use it yet I knew I would be ok had I run into a situation that needed it. Thank you.
Marilyn B. would
recommend this plan to a friend or relative.
-1 of
4 people found this review helpful
The trip included a
tour
AIG Travel
Travel Guard Preferred
Didn't use it, but glad it was available as needed
Cecilia C. would
recommend this plan to a friend or relative.
-2 of
4 people found this review helpful
The trip included a
tour
AIG Travel
Travel Guard Preferred
I did not need to file a claim and was happy with the cost and potential coverages.
However I am not happy about not receiving a partial refund when my tour company cancelled a portion of our trip. I realize when a customer cancels refunds are not given however this cancellation was made by the tour company and now I'm the one at a loss. The $532.06 credit will probably never be used so I'm out over $500. There is no good reason not to give a refund in this case. You had my money for 6 months before the trip started and if for no other other reason than good customer service exceptions should be made on a case by case situation.
However I am not happy about not receiving a partial refund when my tour company cancelled a portion of our trip. I realize when a customer cancels refunds are not given however this cancellation was made by the tour company and now I'm the one at a loss. The $532.06 credit will probably never be used so I'm out over $500. There is no good reason not to give a refund in this case. You had my money for 6 months before the trip started and if for no other other reason than good customer service exceptions should be made on a case by case situation.
Douglas N. would not
recommend this plan to a friend or relative.
3 of
5 people found this review helpful
The trip included a
cruise
AIG Travel
Travel Guard Preferred
Cannot speak to coverage or service, because fortunately we had no need to file a claim.
Barbara A. would
recommend this plan to a friend or relative.
The trip included a
cruise
AIG Travel
Travel Guard Preferred
I've used this insurance on a trip where I needed to file a claim. It was handled expeditiously and completely. Fortunately, I did not use it this trip. They're rates are competitive.
MaryBeth H. would
recommend this plan to a friend or relative.