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AIG Travel Guard

Get a quote in less than two minutes and travel with more peace of mind.

Travel Guard Plans

Compare coverage levels and pricing on our most popular plans with our product comparison tool—and find a Travel Guard plan that’s right for you. 

Deluxe Plan

Our top-of-the-line, comprehensive travel coverage that sets the standard.

Preferred Plan

A comprehensive travel plan with superb coverage and service from start to finish.

Essential Plan

Savvy coverage for the budget-minded traveler.

Pack N' Go Plan

Immediate coverage for unplanned trips and adventures

Annual Travel Insurance Plan

Year-round coverage for your travel investments.

Millions of travelers each year trust AIG's Travel Guard to cover their vacations

Travel insurance plans provide coverage for certain costs and losses associated with traveling. Travel Guard ® helps you navigate canceled flights, lost bags, sudden health emergencies, and much more—almost anywhere in the world. Whether you’re planning a two-day getaway, a cruise, an adventure vacation, or a month-long international holiday, our plans help cover travelers and their trip inverstments.

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AIG Travel CEO Jeff Rutledge shares how the underlying risks of travel have changed and what AIG is doing to help companies and individuals manage risks.

Coverage available to residents of U.S. states and the District of Columbia only. These plans provide insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of each policy with your existing life, health, home, and automobile insurance policies, as well as any other coverage which you may already have or is available to you, including through other insurers, as a member of an organization, or through your credit card program(s). If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc .(Travel Guard). California lic. no. 0B93606, 3300 Business Park Drive, Stevens Point, WI 54482,  www.travelguard.com.  CA DOI toll free number: 800-927-HELP.

This is only a brief description of the coverage(s) available. The policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Ave of the Americas, Floor 41, New York, NY, 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.

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AIG Travel Guard Insurance Review: What to Know

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Table of Contents

Coronavirus considerations

Travel insurance plans offered by aig travel guard, how to buy a travel guard policy, additional travel insurance options and add-ons, what’s not covered by a travel guard plan, who should get a travel guard insurance policy, travel guard, recapped.

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

As one of the world’s largest insurance companies and with a 100-year history, it makes sense that AIG would offer travel insurance. AIG’s travel insurance program, called Travel Guard, provides a number of coverage options to offer peace of mind on your trips.

Travel insurance helps you get some money back if anything goes wrong on your trip. If you’re thinking about buying coverage for an upcoming trip, first look into the coverage you may get from your travel credit cards . Many basic protections are offered on cards that you may already have.

If you’re looking for additional coverage, AIG travel insurance is a solid choice. Consumers Advocate rated AIG’s plans at 4.4 stars out of 5 stars.

» Learn more: The majority of Americans plan to travel in 2022

Importantly, if you catch COVID-19 before or during your trip, you will be covered under Travel Guard’s trip cancellation benefit. If you become sick with COVID-19 during the trip, the medical expenses and trip interruption benefits will kick in. However, Travel Guard considers COVID-19 a foreseen event and as a result, certain other coronavirus-related losses may not be covered. Given the constantly evolving travel environment, review the Travel Guard’s coronavirus coverage policies so that you’re award of what is and isn’t covered.

Here’s what you need to know about AIG's Travel Guard insurance plans.

AIG travel insurance’s Travel Guard plans cover you if you need to cancel (or interrupt) your trip due to illness, injury or death of a family member. Inclement weather that causes a trip delay or cancellation is covered by all Travel Guard policies as well.

Travel Guard offers three main AIG travel insurance plans, plus a host of add-on options. Here are the most essential benefits:

Travel Guard Essential - The most basic level of coverage

Covers 100% of the cost of your trip if it gets canceled or interrupted due to illness.

Includes a $100 per day reimbursement for any delays in your trip (max $500 total).

Covers up to $15,000 in medical expenses ($500 dental), plus a $150,000 maximum for emergency medical evacuation.

Covers up to $750 in compensation for stolen luggage and a maximum of $200 if your bags get delayed by more than 24 hours.

Travel Guard Preferred - This midlevel plan gives many of the same basic coverages as the Essential, but at higher levels.

Trip cancellation pays out at 100%. If your trip gets interrupted, you’ll get 150% of the cost of the trip.

Trips delayed by more than five hours will get you up to $800 ($200/day).

You’ll be covered up to $50,000 for medical expenses ($500 dental) and up to $500,000 for emergency evacuation.

This plan offers $1,000 for lost or stolen bags and $300 for baggage delays longer than 12 hours.

Travel Guard Deluxe - The biggest benefits can be found in this highest level plan.

Like the Preferred, you’ll get 100% coverage for trip cancellation and 150% of the cost of your insured trip in the event of a trip interruption.

Up to $1,000 ($200/day) for a trip delay of five hours or more.

Up to $100,000 for medical expenses ($500 dental), $1,000,000 for emergency evacuation and $100,000 in coverage for a flight accident.

Coverage for lost or stolen bags jumps up to $2,500 and $500 for baggage delay of more than 12 hours.

A long list of "Travel Inconvenience Benefits" are also included (such as runway delays, closed attractions, diversions, etc.)

This plan also offers roadside assistance coverage for the duration of your trip, which isn't included in the other two plans.

» Learn more: How to find the best travel insurance

Travel Guard’s website is simple to navigate and provides instant quotes that clearly spell out what's covered. You’ll need to enter basic information about the trip you want coverage for, including:

Destination.

How you’re getting there (airplane, cruise or other).

Travel dates.

Your home state.

Date of birth.

How much you paid for the trip.

The date when you paid for the trip.

Once you answer the questions, you’ll instantly get price quotes for different options of insurance for your trip. Each column clearly shows what’s covered for all options in a long list, so you can quickly compare.

This example shows options based on a two-week $5,000 trip to Spain for someone who is 40 years old. In this case, the mid-tier plan costs about 6% of the total trip cost.

It’s also important to know that plan offerings change based on what state you live in; not all states are covered.

If you purchase a Travel Guard plan and need to file a claim, you can do it on their website or by calling (866) 478-8222. You can also track the status of the payment of your claim on the site.

If you’re planning multiple trips that you would like covered, look at Travel Guard’s Annual Travel Insurance Plan. This 12-month option covers multiple trips and could save you money over insuring each trip separately.

Another option is the "Pack and Go" plan, which is a good choice if you’re going on a last-minute getaway and don’t need trip cancellation protection.

There are also options to add rental vehicle damage coverage, Cancel For Any Reason coverage, and medical and security bundles to the plans. You’ll be able to select these add-ons when you’re purchasing a policy.

» Learn more: Cancel For Any Reason (CFAR) travel insurance explained

While the Essential, Preferred and Deluxe plans all offer varying degrees of coverage for your trip, there are some things that won’t be covered by any of the plans. Here are a few highlights of things that aren't included; you’ll find full lists on each policy:

Coverage for trips paid for with frequent flyer miles or loyalty rewards programs: Travel Guard will only protect the trips you pay for with cash. If you’re redeeming your points for that bucket list trip, unfortunately, you won’t qualify for coverage. However, the cost of redepositing miles back into your account is covered.

Baggage loss for eyeglasses, contact lenses, hearing aids or false teeth: These items should be kept with you in your carry-on as a general rule, since a Travel Guard policy won’t cover them.

Known events: If you knowingly book a trip with some inherent risks, it won’t be covered. For example, once the National Weather Service issues a warning for a hurricane, it becomes a known event. Once COVID-19 became a pandemic, it was categorized as a foreseeable event and was no longer covered. You can cancel the policy you purchase up to 15 days prior to your trip to receive a refund for the premium paid.

» Learn more: Does travel insurance cover award flights?

Many trips may be sufficiently covered by your credit card benefits, but you should do research to see which cards provide the best options (and remember to use that card to book the trip).

However, if you’re planning major international travel or embarking on a big cruise trip, Travel Guard's Preferred and Deluxe plans may offer better coverage than your credit card. Overall, Travel Guard plans offer a variety of coverage options with an easy-to-navigate website that could be a good fit for your next trip.

If you’re not finding what you’re looking for with a Travel Guard plan, check out an insurance comparison site like Squaremouth, where you will have a lot of different plan options to choose from.

» Learn more: Is travel insurance worth it?

Travel Guard offers several trip insurance plans with varying degrees of coverage. Some plans also allow you to purchase optional upgrades such as CFAR and auto rental coverage. Plan availability differs by state, so make sure you input your trip details to see what plans are available to you.

If you have a premium travel credit card, you may already have some elements of travel insurance coverage included for free. Before you decide to purchase a comprehensive policy, check what coverage you may already have from your credit card.

Travel Guard’s insurance plans offer trip cancellation, trip interruption, emergency medical coverage and evacuation, baggage delay, baggage loss, and more. Some policies may also allow you to add on benefits like Cancel For Any Reason and car rental damage coverage.

If you need to cancel your trip for a covered reason (e.g., unforeseen sickness or injury of you or your family member, required work, victim of a crime, inclement weather, financial default of travel supplier, etc.) you will be covered. To see the whole list of covered reasons, refer to the terms and conditions of your policy.

To get a refund, you will need to file a claim by either calling (866) 478-8222 or submitting it online at its claims page . You may be required to provide verifying documentation to substantiate your claims so keep any receipts that you intend to submit. You can also check the status of your claim at any time on Travel Guard’s website .

The Cancel For Any Reason optional upgrade is available on certain Travel Guard plans. Travel Guard’s CFAR add-on allows you to cancel a trip for any reason whatsoever and get 50%-75% of your nonrefundable deposit back as long as the trip is canceled at least two days prior to the scheduled departure date.

To get a refund, you will need to file a claim by either calling (866) 478-8222 or submitting it online

at its claims page

. You may be required to provide verifying documentation to substantiate your claims so keep any receipts that you intend to submit. You can also check the status of your claim at any time

on Travel Guard’s website

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

• AIG Travel Guard Overview
• AIG Travel Guard Plans

AIG Travel Guard Cost

How to file a claim with aig travel guard, compare aig travel guard, aig travel guard frequently asked questions.

• Why You Should Trust Us

AIG Travel Guard Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

AIG Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits. If you're looking for travel insurance, consider Travel Guard .

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

AIG Travel Guard Travel Insurance Review

AIG Travel Guard is among the best travel insurance companies with impressive coverage limits, even with its basic plan, Travel Guard Essential. It's emergency medical evacuation coverage is particularly high, making Travel Guard a good choice for insuring cruises, as sea to land evacuations are often expensive. 

Additionally, Travel Guard's Premium and Deluxe plans offer coverage that many of its competitors don't, such as its travel inconvenience coverage and ancillary evacuation coverage.  

That said, Travel Guard is on the pricey side, compared with its competitors. While age is often a factor in your insurance premiums, Travel Guard tends to quote older travelers higher rates than its competitors. However, you often get what you pay for. In Travel Guard's case, you'll find that its coverage justifies its higher rates. 

While great coverage is important, it's also crucial that an insurance company has a smooth claims process, which Travel Guard lacks, according to its customer reviews. Across 135 reviews on its Trustpilot page, AIG Travel Guard received an average of 1.2 stars, with 95% of reviewers giving the company one star. Surprisingly, AIG Travel Guard fares even worse with the Better Business Bureau, receiving an average of 1.08 stars out of five across 301 reviews. 

Coverage Options Offered by AIG Travel Guard

AIG Travel Guard offers three primary plans: Travel Guard Essential, Travel Guard Preferred, and Travel Guard Deluxe. Each plan has different coverage limits and various types of protection.

Here's a look at what you'll get with each plan:

Depending on the policy you select, there are also additional coverages that my be included at no extra charge, like pre-existing conditions waiver, single occupancy fee coverage, worldwide travel and medical assistance services, and more. Be sure to check each policy closely to see what is and isn't covered.

Each of these plans also include coverage for one child under 17 as long as their travel costs are equal to or under the adult's cost. Additional coverages do not apply to the child.

AIG Travel Guard Pack N' Go Plan

In addition to these three primary plans, Travel Guard offers the Pack N' Go policy along with an Annual plan. This policy is for last-minute travelers who don't need trip cancellation coverage.

This plan includes:

• Trip interruption and trip delay ($200 per day maximum) up to $1,000
• Missed connection up to $500
• Baggage delay up to $200 and baggage coverage up to $1,000
• Medical expenses up to $25,000 and dental expenses up to $500
• Emergency evacuation and repatriation of remains up to $500,000.

AIG Travel Guard Annual Plan

Taking multiple trips throughout the year? Consider the Travel Guard Annual plan instead of purchasing a new policy for each adventure. This plan comes with coverage for: 

• Trip interruption coverage  up to $2,500
• Trip delay coverag e up to $1,500 ($150 per day maximum)
• Missed connection coverag e up to $500
• Baggage delay coverage up to $1,000 and lost/damaged baggage coverage up to $2,500
• Medical expenses coverage up to $50,000 and dental expenses up to $500
• Emergency evacuation coverage and repatriation of remains up to $500,000
• Accidental death and dismemberment coverage up to $50,000 and security evacuation up to $100,000

Additional Coverage Options from AIG Travel Guard

Like many other travel insurance providers, Travel Guard offers add-ons for an additional cost. These can be selected while you're purchasing your policy.

The availability of these add-ons depends on the policy you're buying. Note also that some are already included in the Preferred and Deluxe plans. 

• Medical bundle — Increases coverage amounts for medical expenses and evacuation and adds hospital of choice and additional evacuation benefits.  
• Security bundle — Provides various coverages for trip interruption or cancellation due to riot or civil disorder.  
• Rental vehicle damage coverage — Reimburses a predetermined amount for physical damage to a rental car in the policy holder's name. 
• Cancel for Any Reason Insurance (CFAR) — This is just what it sounds like. Cancel for any reason coverage will reimburse 75% of nonrefundable expenses when you cancel your trip for any reason, up to 48 hours before your scheduled departure. CFAR coverage is only available for Travel Guard's Deluxe and Preferred plans. 
• Inconvenience bundle — Offers reimbursement for inconveniences like closed attractions, credit/debit card cancellation, hotel construction, and more.
• Pet bundle coverage — Daily travel benefit for boarding and medical expense coverage for illness or injury of dog or cat. Includes trip cancellation or interruption coverage if the pet is in critical condition or dies within seven days before the departure date.
• Adventure sports bundle — Removes the exclusions for adventure and extreme activities.
• Baggage bundle — Your baggage coverage with AIG becomes primary with increased coverage and baggage delay benefits. 
• Wedding bundle — Provides trip cancellation coverage due to wedding cancellation (brides and grooms not covered).
• Name a family member bundle — One person can be named as a Family Member for the purpose of family member-related unforeseen event coverage.

How to Purchase and Manage Your AIG Policy

Getting a quote from AIG Travel Guard is quick and easy. Head to AIG website and enter basic information about the trip you're looking to cover. You'll get an instant quote for the insurance plans available for your trip, so it's easy to compare each option. Be prepared to provide information including:

• Your state of residence
• Date of birth
• The cost of your trip
• Travel dates
• Destination
• Method of travel

We ran a few simulations to offer examples of how much a Travel Guard policy might cost. You'll see that costs usually fall within 5-7% of the total trip cost, depending on the policy tier you choose.

As of April 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  Travel Guard travel insurance quotes:

• Travel Guard Essential: $86.96
• Travel Guard Preferred: $152.01
• Travel Guard Deluxe: $188.59

Premiums for Travel Guard's various single trip plans are between 2.8% and 6.3%, well within, and even below, the average cost of travel insurance .

A 30-year-old traveler from California is heading to Japan for two weeks, costing $4,000. The Travel Guard travel insurance quotes are:

• Travel Guard Essential: $198.77
• Travel Guard Preferred: $240.39
• Travel Guard Deluxe: $305.04

Premiums for Travel Guard's various single trip plans are between 5% and 7.6%, within the average cost for travel insurance.

A couple of 65-years of age looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following Travel Guard quotes:

• Travel Guard Essential: $471.10
• Travel Guard Preferred: $618.22
• Travel Guard Deluxe: $834.78

Premiums for Travel Guard's various single trip plans are between 7.9% and 13.9%, which is significantly higher than the average cost. That said, travel insurance is often more expensive as you get older. 

AIG Travel Guard Annual Plan Cost

Getting a quote for the annual plan requires much less information, only asking for the intended policy start date, your state of residence, and how many people you plan to insure. Quotes from AIG remained at $259 per traveler, regardless of state of residence and number of travelers.

Filing a claim with Travel Guard is a straightforward process. You'll need your policy number and can either go to travelguard.com or call Travel Guard at 866-478-8222 to start the claim. Once submitted, you can check the status of your claim at claims.travelguard.com/status.

See how AIG Travel Guard stacks up against the competition and find the right travel insurance policy for you. 

AIG Travel Guard vs. Nationwide Travel Insurance

Nationwide is a household name when it comes to insurance providers and one of the largest and most-recognized insurance providers in the US. Similarly to Travel Guard , Nationwide makes it easy to find coverage by offering just two single-trip plans: the Essential and Prime plan.  

In addition, Nationwide offers plans specifically designed for cruises along with annual trip insurance for those who travel a lot throughout the year.  

The Nationwide Essential Plan comes with trip cancellation coverage of up to $10,000, up to $250,000 in emergency medical evacuation, up to $150 per day reimbursement for travel delays of 6+ hours, and coverage for delayed or lost baggage.

In comparison, the Travel Guard Essential plan covers trip cancellations with up to $100,0000 in coverage, up to $150,000 in emergency medical evacuation expenses, up to $100 per day ($500 total) for trip delays of 12+ hours, along with lost or delayed baggage coverage. 

The high-tier Prime Plan from Nationwide offers even more coverage, including trip cancellation up to $30,000, trip interruption coverage up to 200% of the trip cost (maximum of $60,000), missed connection and itinerary change coverage of $500 each, $250 per day for trip delays of 6+ hours, and up to $1 million in coverage for emergency medical evacuation

AIG's highest-tier Deluxe plan comes with trip cancellation coverage of up to $150,000, up to $1,000,000 in emergency medical evacuation, up to $200 per day ($1,000 maximum) reimbursement for travel delays of 12+ hours, and coverage for delayed or lost baggage.

As you can see, it's hard to compare apples to apples when comparing the two different insurance providers. But it helps to know the specifics of the coverages that matter most to you.

Read our Nationwide travel insurance review here.

AIG Travel Guard vs. Allianz Travel Insurance

With Allianz Travel Insurance , you can choose from 10 different insurance plans to find one that suits your needs. Like Travel Guard , it offers one-off policies for specific trips and an annual travel insurance plan for those who take multiple trips a year. Similar to AIG, too, the different plans offer varying levels of coverage. 

Allianz's most popular single-trip option is the OneTrip Prime plan. This plan offers trip cancellation coverage up to $100,000, trip interruption coverage up to $150,000, emergency medical coverage for $50,000, coverage for baggage loss, theft, or damage up to $1,000, and up to $800 in travel delay coverage.

The most similar plan from Travel Guard is the mid-tier Travel Guard Preferred plan, which which you'll get up to $150,000 in trip cancellation coverage, trip interruption coverage up to $225,000, $50,000 in emergency medical coverage, coverage for baggage loss, theft, or damage up to $1,000, and travel delay coverage of up to $800.

A variety of factors will determine the final cost of any of these travel insurance policies. However, when comparing quotes with the same factors, Allianz tends to be cheaper. Additionally, Travel Guard seems to be more sensitive to the traveler's age. However, it's best to compare quotes using your specific personal and trip details to determine which policy is the best for you.

Read our Allianz travel insurance review here.

AIG Travel Guard vs. Credit Card Travel Insurance

Before purchasing a travel insurance plan, take a look at the coverage offered through your travel rewards credit cards. Some of the basic coverages you're looking for, like rental car insurance, may already be available through credit card travel protection . 

The coverage you have on your credit card couple be sufficient if, for example, you're taking a road trip by car and you don't have any non-refundable trip expenses. It could also be enough if your health insurance covers you while you travel and you aren't overly worried about incurring additional medical expenses during your trip.

It's also worth remembering that credit card coverage is usually secondary versus the primary coverage you'd get with a travel insurance policy. Meaning you'll have to file a claim with the other applicable insurance (like through the airline travel provider) before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Depending on the single trip plan you choose, AIG Travel Guard offers $15,000-$100,000 in emergency medical expense coverage.

All three of Travel Guard's single trip policies offer pre-existing condition waivers as long as you purchase your policy within 15 days of your initial trip payment.

Travel Guard is the name used for AIG's travel insurance products, but AIG also offers other insurance products, like AIG Life Insurance .

Your coverage depends on the policy you buy, but all policies will cover (up to a specified limit) trip cancellation, interruption, delay, emergency medical expenses, lost and delayed baggage, and emergency evacuation. 

Yes, Travel Guard plans cover trip cancellation and interruption due to illness, injury, or death of a family member. If your trip is delayed or canceled due to inclement weather, that's covered too. AIG Travel Guard's is also among the best CFAR travel insurance companies.

Why You Should Trust Us: How We Reviewed AIG Travel Guard

The policy that's best for you will be the one that offers the right amount and type of coverage, fits your budget, and is easy to use if you ever need it.

In reviewing Travel Guard , we looked at the company's travel insurance offerings and compared them to plans offered by the top travel insurance companies in the space. Factors considered included things like coverage options, claim limits, what's covered, available add-ons, and typical insurance policy costs. We also considered buyer preferences.

Read more about how Business Insider rates insurance providers .

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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AIG Travel Guard Insurance Coverage Review – Is It Worth It?

Christine Krzyszton

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Why Purchase Travel Insurance

Core coverages, optional coverages for an additional fee, aig travel guard and covid-19, additional information — aig travel guard, to other travel insurance companies, to credit card travel insurance, the value of travel insurance comparison websites, final thoughts.

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Purchasing insurance for your home, auto, or your life, can be complicated and time-consuming if you want to compare coverages and premium costs between companies. Fortunately, the process of purchasing travel insurance is quite simple , and you can secure immediate coverage within minutes.

It all starts with determining the coverages that most important to you, securing a quote, then making sure you’re purchasing from an established, highly-rated company. One such established travel insurance company is AIG Travel Guard .

With over 25 years of experience and high ratings from premier insurance financial rating company A.M. Best , AIG Travel Guard was named the best travel insurance company of 2020 by Forbes . Its Travel Guard Deluxe policy was also given a top 5-star rating by Forbes’ insurance analysts.

We’ll certainly discuss AIG Travel Guard’s policy offerings in our article today but we also want to discuss why you’d want to purchase travel insurance , whether travel insurance covers COVID-19, the process for obtaining a quote, and additional resources to help ensure you’re receiving good value.

Plus, if you’re wondering if you need to purchase travel insurance or whether you might have enough coverage elsewhere, you’ll want to read on.

While the primary reasons for purchasing travel insurance are to protect your economic investment and to cover unexpected additional expenses you might incur due to trip disruptions, purchasing travel insurance has another, more intangible, purpose.

Purchasing travel insurance can provide peace of mind prior to and during your trip as you won’t be worried that an unforeseen event will result in an economic loss. Knowing you have evacuation insurance when you’re traveling to a remote area on safari, for example, could be tremendously reassuring, even if you never use the coverage.

Here are some sample situations where travel insurance may provide coverage:

• Your sister is diagnosed with a life-threatening illness and you must cancel your trip
• You broke your ankle and will not be able to go on your skiing trip
• You become ill and cannot travel
• You or your traveling companion is terminated or involuntarily laid off from your job
• You are summoned to jury duty or other legal action such as requiring you to appear as a witness

If your trip is expensive, complicated, or you need medical coverage while traveling, a travel insurance policy is a must.

Bottom Line: In addition to protecting your trip investment and covering unexpected expenses due to trip disruptions, travel insurance can also provide peace of mind before and during your travels. 

AIG Travel Guard — Coverages and Policy Options

There’s probably nothing more boring than listing insurance coverages but it’s important to know the types of coverages you can expect when purchasing an AIG Travel Guard policy.

First, AIG Travel Guard offers 3 policy options for U.S. residents (not including NY residents), 3 separate options for NY residents, and 1 policy for Canadian residents.

• Tr avel Guard Essential
• Travel Guard Preferred
• Travel Guard Deluxe
• Travel Guard Essential Expanded — available to NY residents
• Travel Guard Protect Assist — available to NY residents
• Travel Guard Tour, Cruise, & Travel — available to NY residents
• Gold Trip Cancellation Policy — available to Canadian residents

Coverage options and limits will vary by policy, however, you can expect to find the core and optional coverages listed here.

Here are the types of coverages you’ll find offered on AIG Travel Guard policies and the applicable coverage limits for each type of policy.

There are also additional coverages that may be included at no extra charge, depending on the policy type selected. Terms and conditions apply.

• 1 child under 17 per covered adult is included for no extra charge
• Pre-existing conditions waiver
• Trip exchange coverage
• Single occupancy fee coverage
• Evacuation for a security reason
• Non-flight accidental and dismemberment insurance
• Worldwide travel and medical assistance services

You may secure any of the following add-on coverages by paying an additional fee.

• Cancel for Any Reason Insurance — covers trip cancellation for any reason
• Rental vehicle damage — coverage for collision damage when renting a vehicle
• Pet bundle coverage — pet care, medical expenses, and adds pet illness to trip cancellation benefit
• Adventure sports coverage — coverage for higher risk adventure activities
• Increased lodging expense bundle — increases the amount covered under travel inconvenience benefit
• Wedding bundle — coverage when a destination wedding is canceled
• Name a family member bundle — select a traveler to be covered as a family member

Hot Tip: For more information and tips on purchasing travel insurance, start here in our article on travel insurance basics .

Travel insurance , in general, is designed to protect you from financial loss due to unforeseen events that may cause you to cancel your trip, or to cover disruptions that could occur during your journey. It is not meant to cover voluntary trip cancellations due to fear of getting ill.

Voluntary cancellations, including those that are related to the fear of getting ill, are not covered on travel insurance policies. However, there is 1 option for obtaining coverage for voluntarily canceling your trip.

Cancel for Any Reason insurance (CFAR) is an optional coverage that can be added to select travel insurance policies allowing you to cancel your trip for any reason you deem necessary and be covered for partial reimbursement.

AIG Travel Guard offers CFAR coverage as an optional add-on to add to its Preferred and Deluxe plans , with these stipulations:

• Must be purchased within 15 days of the initial trip deposit
• The trip must be canceled more than 48 hours prior to departure
• The full cost of the trip must be insured for at the time of purchase

Cancel for Any Reason insurance does not cover the entire cost of the trip. In this case, to add CFAR insurance to the Deluxe and Preferred plans above, the additional premium would be $53.31 for coverage to cover up to 50% of the trip price. Additional options may be available to cover up to 75% of the cost of your trip.

The above prices are for a single trip 1-week in length for a traveler of 40 years of age at a cost of $3,000.

AIG Travel Guard policies, even without the CFAR insurance add-on, offer coverage for trip cancellations due to COVID-19 related illness and also medical coverage should a covered traveler become sick with COVID-19 during their travels. Terms and conditions apply.

Bottom Line: While trip cancellation, trip interruption, and emergency medical may offer some coverage for illness, you must purchase Cancel for Any Reason insurance to have coverage for canceling a trip due to the fear of getting ill. AIG Travel Guard offers this coverage on its Deluxe and Preferred plans.

Point-of-Sale Availability — In addition to offering travel insurance package policies directly to the public, AIG Travel Guard offers travel insurance products via several travel providers including airlines and various travel services. You’ll find the option to purchase Travel Guard protection during the checkout process with companies such as United Airlines or Frontier Airlines when purchasing a flight and when making a travel purchase via Costco Travel .

Call for Additional Quotes — While AIG Travel Guard does sell annual multi-trip policies, you must call to request a quote. Adventure sports coverage, medevac coverage, and rental vehicle damage coverage quotes are also available via phone.

15-Day Free Look Period — If you decide, after you have reviewed your purchased policy, that you do not want it, you may receive a full refund.

Cruise Insurance Option — AIG Travel Guard offers cruise insurance that includes cruise diversion and other applicable coverages.

Filing a claim — to initiate a claim, you can either call AIG Travel Guard at 866-478-8222 or access travelguard.com to begin the process. You will need your policy number handy. Once your claim is submitted, you can check the status at claims.travelguard.com/status .

How Does AIG Travel Guard Compare

First, know that when purchasing a policy from AIG Travel Guard, you’re buying from a highly-rated established insurance company. Here’s how the company stacks up in relative comparison with other travel insurance companies.

Comparing travel insurance policies can be complicated as coverage limits and prices vary widely. We looked at a 1-week trip to Mexico for a traveler 40 years of age and a total trip cost of $3,000 as criteria for obtaining a quote.

AIG Travel Guard’s Preferred plan, which prices out at around $200, aligns with the John Hancock Bronze policy above. Add in CFAR coverage, however, and the comparison costs are closer to AIG Travel Guard’s $254 premium for its Preferred level plan that also includes CFAR.

This 1 example uses the criteria of a specific trip for an individual traveler of a certain age and may not reflect the same relative premium costs as other comparisons.

Your own individual traveler information, the number of travelers, trip length, destination, state of residence, selected coverages, and the total cost of your trip will ultimately determine the premium cost. Our example is just a narrow snapshot comparison.

Bottom Line: Travel insurance policy coverages and costs vary dramatically. To ensure you’re receiving good value, determine the coverages that are most important to you, compare policy options, and purchase from a reliable company. 

The travel insurance coverages that come complimentary on your credit cards are no substitute for a comprehensive travel insurance policy. With that being said, the coverage that comes with your credit card could be enough to cover some trips.

Here are some examples of trips where you may not need travel insurance and the coverage you have on your credit card could be sufficient.

• The trip consists of only a round trip domestic flight and hotel stay
• The trip is a road trip by car
• The trip does not include any non-refundable trip expenses
• The trip does not have several travel providers involved
• Your health insurance covers you while traveling and you are not worried about having additional medical coverage during your trip

Also, keep in mind that coverage offered on your credit card is generally secondary versus a primary travel insurance policy. This means you must first file a claim with other applicable insurance, including coverage with the airline or travel provider, for example, before the credit card coverage will kick in.

Bottom Line: If you have a significant investment at stake, several travel providers involved, or want medical coverage during your travels, you should purchase a comprehensive travel insurance policy for your trip and not depend on a credit card with travel insurance . 

Travel insurance is widely available and competitive. You won’t have trouble purchasing some level of coverage regardless of your situation. Additionally, there are travel insurance comparison websites that make it easy to find a policy that fits and purchase coverage that is effective immediately.

These travel insurance comparison websites are each easy to use, have qualified people to assist, and all feature policies offered only by highly-rated companies.

Travelinsurance.com

• Instant coverage
• Simple format, easy to secure a quote quickly
• Guarantees the best price for the policy you’re purchasing

Squaremouth

• Features 20 companies with nearly 120 different policy options
• Its customer service team is award-winning
• You can access thousands of customer reviews

InsureMyTrip

• Educational content to assist you in understanding coverages
• Features 21 highly-rated companies
• Licensed agents can answer questions and assist with a claim

Bottom Line: Travel insurance comparison websites provide quick easy access to securing a quote, compare several high-rated travel insurance providers at once, and the benefit of receiving immediate coverage. 

While airlines and travel providers have made significant changes to cancellation, refund, and exchange policies, it’s still important to consider purchasing travel insurance if you’re uncomfortable with the possibility of losing your trip investment or incurring unexpected expenses during your journey.

In addition, if you need medical insurance coverage during your trip, you won’t find that coverage on a credit card or with the airlines — you’ll need to purchase it.

The fact that AIG Travel Guard does not exclude COVID-19 related claims under certain coverages and offers a Cancel for Any Reason add-on is significant as not every travel insurance company can make that claim.

Also, if you have children traveling with you, you may find good value with AIG Travel Guard having those under 17 included for no extra charge (1 per premium-paying adult).

The bottom line when purchasing travel insurance from AIG Travel Guard is that if you can secure the coverages you need at a price you’re comfortable with and you’ll know you’re completing that transaction with a highly-rated established company.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

Frequently Asked Questions

Is aig travel guard a good travel insurance company.

AIG Travel Guard is a highly-rated established travel insurance company. It is rated A by the prominent insurance financial rating company A.M. Best and has been in business for over 25 years.

It was also named the best travel insurance company of 2020 by Forbes.

Does AIG Travel Guard cover trip cancellation?

Yes, AIG Travel Guard will cover trip cancellations but only for covered reasons listed in the policy. Examples of situations that may be covered include becoming ill and having to cancel your trip, being called for jury duty or other covered legal obligation, or your home becomes uninhabitable.

Does AIG Travel Guard cover flight cancellations due to COVID?

AIG Travel Guard, like other travel insurance companies, does not cover canceling a flight due to the fear of getting ill. However, if you become ill from COVID-19 and have to cancel your trip, you may have coverage for trip cancellation, trip interruption, or emergency medical if should become ill during your trip.

How do I make a claim with AIG Travel Guard?

You can file a claim with AIG Travel Guard by calling 866-478-8222 Monday through Friday from 7 a.m. to 7 p.m. CST. You can also initiate a claim online at travelguard.com using your policy number and last name.

Once you have submitted a claim, you can check the status of your claim at claims.travelguard.com/status , using your claim number and last name.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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AIG Travel Insurance: The Complete Guide

Everything you need to know before you buy AIG Travel insurance plans

For decades, AIG Travel , part of American International Group, Inc., has provided travel insurance options for many travelers. Marketed under Travel Guard, the company offers travel insurance solutions and travel-related services, including medical and security services, marketed to both leisure and business travelers around the globe.

If you have purchased a trip insurance plan in the past, it may have been provided by AIG Travel without you even knowing it: the company also creates custom policies for several smaller insurance brokers, airlines and even travel groups. Is AIG Travel the right company for your trip? 

About AIG Travel

AIG Travel is a member of American International Group, Inc., a global insurance company that provides everything ranging from property casualty insurance, life insurance, retirement products, and other financial services. Travel Guard is the marketing name that AIG Travel uses to advertise its portfolio of products.

Today, the company is headquartered in Stevens Point, Wisc., and serves travelers in 80 countries and jurisdictions through eight wholly-owned global service centers in key regions, including Houston, Texas; Stevens Point, Wisc.; Kuala Lumpur, Malaysia; Mexico City, Mexico; Sofia, Bulgaria; Okinawa, Japan; Shoreham, England; and Guangzhou, China. 

How Is AIG Travel Rated?

AIG Travel policies are underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., another subsidiary of AIG. As of June 2018, the policy writer has an A.M. Best A rating, putting them in the “Excellent” credit category with a stable outlook.

For customer service, AIG Travel is highly rated on three major travel insurance marketplaces online. With more than 400 reviews, AIG Travel has a five-star rating from TravelInsurance.com , with a 98 percent recommendation rate. Customers of InsureMyTrip.com give the company 4.56 stars (out of five). Although Squaremouth.com no longer offers AIG Travel policies anymore, previous customers gave the company 4.46 stars (out of five), with less than one percent negative reviews. 

What Travel Insurance Does AIG Travel Offer?

AIG Travel offers four plans for consumers, based on their needs and travel plans: Basic, Silver, Gold, and Platinum. Although the Basic plan is not available direct through AIG Travel, it can be purchased through marketplaces like TravelInsurance.com. All travel insurance plans include travel medical assistance, worldwide travel assistance, LiveTravel® Emergency Assistance, and personal security assistance, but only take effect when travelers are at least 100 miles away from home.

Please note: All schedules of benefits are subject to change. For the most up-to-date coverage information, contact AIG Travel.

• Travel Guard Basic: Travel Guard Basic is the lowest level of coverage available through AIG Travel Guard, with the smallest benefits for trip cancellation , trip interruption , and trip delay. The basic plan offers 100 percent coverage of trip cancellation or trip interruption events (up to $100,000), but has very low coverage ceilings for return airfare due to trip interruption ($500 maximum), trip delay (maximum of $100 per day, up to $500), baggage loss ($500 before a $50 deductible) and baggage delay ($100 maximum). The basic plan includes an optional rental car damage policy for an additional price but does not include options for a pre-existing medical condition exclusion waiver or accidental death and dismemberment. Read the schedule of benefits here.
• Travel Guard Silver : Travel Guard Silver is the lowest level of coverage available directly through AIG Travel Guard. Described as “savvy coverage that helps give you peace of mind on a budget,” Travel Guard Silver offers more generous benefits for baggage delay and baggage loss ($750; $50 deductible) and accident sickness medical expenses ($15,000; $50 deductible). This plan also offers optional coverage for pre-existing medical condition exclusion waivers, trip cancellation or interruption due to financial default and additional flight coverage. Typically, travelers who elect to purchase Travel Guard Silver over Travel Guard basic can expect to pay around 2.5% more. Read the schedule of benefits here.
• Travel Guard Gold : The most popular plan offered by AIG Travel Guard, Travel Guard Gold balances insurance costs with benefits. The Gold plan offers more money for trip interruption (150 percent, up to $150,000 maximum), return airfare due to trip interruption (the greater of $750 or 150 percent of the trip cost) and trip delay coverage ($150 per day maximum, up to $750 total). This plan also introduces several additional benefits, including baggage and travel document loss (up to $1,000), baggage delay ($300) and missed connection coverage (up to $250). When purchasing within 15 days of the initial trip payment, travelers may also be covered for pre-existing condition waivers, trip cancellation or interruption due to financial default and primary coverage for accident sickness medical expenses. Optional coverage levels include Cancel for Any Reason insurance (up to 50 percent of insured trip costs), car rental collision coverage and upgrades for medical expense and emergency evacuation coverage. Before any optional coverage, expect to pay 20 percent more for Travel Guard Gold compared to Travel Guard Silver. Read the schedule of benefits here.
• Travel Guard Platinum : Travel Guard Platinum is the highest level of coverage offered by AIG Travel Guard, with the biggest benefit levels. In addition to trip cancellation and trip interruption benefits, travelers can receive up to $1,000 for return air travel due to trip interruption, trip delay benefits of up to $200 per day ($1,000 maximum) and up to $500 in missed connection benefits. Like Travel Guard Gold, travelers who purchase their policy within 15 days of their initial trip payment may also receive the pre-existing medical condition exclusion waiver, trip cancellation or interruption coverage due to financial default, primary accident sickness medical expense coverage and primary baggage and personal effects coverage. Optional policy add-ons include Cancel for Any Reason (up to 50 percent of insured trip costs), car rental collision coverage, and medical coverage upgrades. Because Travel Guard Platinum is the highest level of coverage available, it is also the most expensive: travelers should expect to pay between 50 and 60 percent more than Travel Guard Gold before any additional add-on coverage.  Read the schedule of benefits here.

What Won't AIG Travel Cover?

While AIG Travel offers plans to cover many common travel issues, they will not necessarily cover everything. Excluded situations include:

• Self-inflicted injuries: If you are in crisis while traveling, there are ways to get help anywhere around the world. Note that mental health care may not be covered by your travel insurance plan .
• Pregnancy or childbirth: In many situations, pregnancy or childbirth are not covered under AIG Travel plans.
• Dangerous activities: Planning on mountaineering, going motor racing, or participating in a professional-level athletic event? All of these situations are not covered under AIG Travel plans.
• Baggage loss for items seized by governments or customs officials: Before you return home, be sure to understand what may (or may not) be allowed in your home country. If you believe your items were stolen by customs or Transportation Security Administration officials , there is a separate protocol for reporting those losses.
• Baggage loss for eyeglasses, sunglasses, or hearing aids: Loss or replacement of prescription vision wear is not covered by AIG Travel.

This is just an abbreviated list of situations that may not be covered under AIG Travel trip insurance plans. For a full list, refer to the schedule of benefits of each plan, which are linked in the above content.

How Do I File a Claim With AIG Travel?

Travelers who purchased an AIG Travel plan in the United States can start their claims online . After starting an account online, travelers can file claims for the most common situations, including trip cancellation, baggage loss, and trip delay. Policyholders can also find documentation requirements online , as well as receive updates online. Those who have questions about their policies or claims can call AIG Travel direct at +1-866-478-8222.

The online claims tool is only available for American travelers who purchased their travel insurance plans in the United States. All other travelers should contact AIG Travel directly via their provided telephone number to start the claims process.

Who Is AIG Travel Best For?

At the Basic and Silver levels, AIG Travel is a very basic-level travel insurance plan that may cover those who do not already have trip coverage through a credit card or otherwise have access to a trip insurance plan. Before considering either of these AIG Travel plans, be sure to check that you don't already have coverage through the credit card used to pay for your trip.

If you are planning a major international trip, or are going on a big trip aboard a cruise line, AIG Travel Gold and Platinum may offer better coverage than a credit card. With large benefit levels and coverage already built in for pre-existing conditions when purchased within the first 15 days of an initial travel payment, Gold and Platinum can be a better bet for those who are spending money on a big vacation and want to make sure their trip runs smoothly.

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AIG Travel Guard insurance review: What you need to know

Whether you need an annual plan or a policy for a last-minute trip, travel guard can deliver..

Travel Guard is one of CNBC Select 's picks for best travel insurance , thanks to its wide range of customizable policies. But are any of them right for you? Below, we review the provider and its offers and how they compare to the competition to help you choose the right travel insurance for your next trip.

Travel Guard review

Other insurance offered, how it compares, bottom line, travel guard® travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

24/7 assistance available

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Travel Guard® is a global travel insurance provider specializing in plans for leisure and business travelers. Its online travel insurance packages include five options, from basic and last-minute trip coverage to more comprehensive plans. This allows travelers to pick a plan that best matches their situation.

For example, budget-minded travelers might go for the Essential Plan which offers basic protections, such as trip cancellation, interruption and delay insurance, coverage for lost, damaged and delayed baggage, and medical, evacuation and death coverage.

On the other hand, the Deluxe Plan — the most comprehensive option — adds such extras as missed connection coverage, security evacuation, travel inconvenience benefits and more. It also boosts high limits for essential coverages.

Last-minute travelers can opt for the Pack N' Go Plan which only includes certain post-departure coverages. Or, if you travel often, the Annual Plan can cover your trips throughout the year.

Finally, Travel Guard offers "offline" travel insurance packages, meaning you'll have to call if you're looking for a specialty plan.

Coverage types

Depending on the plan, here are the types of protection Travel Guard can include in your package:

• Trip cancellations
• Trip interruption
• Baggage coverage
• Baggage delay
• Travel medical expenses
• Travel inconvenience benefits (reimbursement for such situations as runway delays, cruise diversion and other unforeseen situations)
• Medical evacuation
• Trip Saver (reimbursement for meals, hotels and transportation if you need to begin your trip sooner due to weather or airline changes)
• Trip exchange (reimbursement in case you have to cancel your trip and book a new one due to covered unforeseen circumstances)
• Security evacuation (due to a riot or civil disorder)
• Flight guard (coverage for accidental death or dismemberment that occurs when traveling by plane)
• Pre-existing medical conditions exclusion waiver

You can also customize your plan with add-ons, such as car rental insurance and "cancel for any reason" coverage .

Travel Guard landed on our list of the best travel insurance companies thanks to its variety of coverage. With plenty of options to choose from, both online and offline, it's easy to build a policy that meets your needs.

Travel Guard also features 24-hour concierge services that you can use to book a new flight in case of an emergency or delay.

The provider's website also offers informational resources — here, you can check travel news, read safety tips and find general travel advice. Additionally, the website lets you modify your plan, file a claim and check its status, or apply for a voucher or refund.

As of writing, Travel Guard doesn't offer any discounts. That's common for travel insurance — you're more likely to find deals when shopping for other types of insurance, such as home and auto insurance .

Travel Guard is a portfolio of travel insurance and travel-related services offered by AIG Travel, a member of American International Group (AIG). AIG also offers life insurance and a variety of business insurance products.

Travel Guard makes it easy to get a travel insurance policy customized to your needs. But before you purchase coverage, it's always a good idea to shop around.

For example, if you're going on a cruise, you might want to look at Nationwide Travel Insurance . The provider advertises cruise-specific insurance with three plan options available. This type of coverage is designed with issues unique to cruises in mind — from ship-based breakdowns to missed pre-pard excursions.

If you're planning a more active trip filled with rock climbing or sky diving, Berkshire Hathaway offers the AdrenalineCare® plan which features coverage for unforeseen costs that result from participating in extreme sports on your trip, as well as reimbursement for sporting equipment delay. Pre-existing conditions are covered under this plan (if you meet qualifying conditions).

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

As you can see, offerings vary by provider. It can be helpful to compare multiple companies and the plans they offer to find what works best for you. It's even better if you gather several quotes to ensure you're getting a good price for your policy.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Travel Guard offers plenty of ways to customize your policy, making it a solid choice for travel insurance. You can also access additional options by giving Travel Guard a call. However, make sure to check out other travel insurance companies too — comparison shopping is essential when picking any type of financial product.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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Travel Insurance

AIG travel insurance review 2024

Jennifer Simonson

Mandy Sleight

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Heidi Gollub

Updated 12:23 p.m. UTC April 16, 2024

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Top-scoring plan

Average cost, medical limit per person, why it’s the best.

Travel Guard Preferred from AIG allows you to customize your policy with a host of available upgrades, including  “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings.

There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million. This is a good option if you’re looking for foreign travel health insurance.

• Bundle upgrades allow you to customize your travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Why trust our travel insurance experts

Our team of travel insurance experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

AIG travel insurance overview

AIG Travel Guard specializes in travel insurance for leisure and business travelers. It has a network of service centers in Asia, Europe and the Americas to provide 24/7 emergency travel assistance. 

AIG travel insurance plans

AIG Travel Guard offers three travel insurance plans, including a last-minute plan for impromptu travelers and an annual plan for those often on the go. 

Here are a few key benefits included with AIG travel insurance plans.

• Trip cancellation: If you need to cancel your trip for a reason listed in your policy, trip cancellation insurance reimburses you for any prepaid, nonrefundable trip expenses, such as flights, hotels and tours.
• Trip delay: Trip delay insurance covers you for extra costs if your travels hit a snag like a canceled connecting flight. This coverage can reimburse you for extra expenses you weren’t anticipating, like a meal and an overnight hotel stay as you wait for a new flight. It can also reimburse you for prepaid expenses for plans you’ll miss by arriving late.
• Travel interruption: If there’s an emergency back home and you need to cut your trip short, this coverage can pay for a last-minute flight back. It can also reimburse you for lost prepaid, nonrefundable expenses for the plans you’ll miss by leaving early.
• Travel medical insurance: If you become sick or injured on your trip, travel medical insurance can pay for your emergency medical expenses. This can include doctor and hospital bills, labwork, X-rays and medication.
• Emergency medical evacuation: If your injury or illness calls for medevac support, emergency medical evacuation insurance will cover the cost of transporting you to the nearest adequate medical facility. 
• Pre-existing medical condition exclusion waiver: If you buy your travel insurance within 15 days of your first trip payment, your plan will not exclude coverage of pre-existing medical conditions. 
• Baggage insurance: This coverage will reimburse you for the depreciated value of your bags and belongings if they are lost, stolen or damaged, up to the limits in your policy. If your bags are delayed for a certain length of time, you will have coverage to buy a few necessities while you wait for your bags to arrive. 
• Travel assistance services: An emergency global assistance team is available around the clock if you need medical or travel help.

AIG Travel Guard Essential plan

The Essential plan is AIG Travel Guard’s most budget-friendly single-trip travel insurance plan. 

If your trip is canceled or interrupted because of the illness, injury or death of you, a traveling companion, a family member or business partner, this plan will reimburse 100% of your prepaid, nonrefundable trip expenses, up to $100,000 per person. 

It also includes up to $15,000 in travel medical insurance and $150,000 in emergency medical evacuation coverage, up to $750 in baggage coverage and $200 in baggage delay and the option to purchase car rental insurance. 

AIG Travel Guard Preferred plan

The Preferred Plan is AIG Travel Guard’s most popular single-trip travel insurance plan. 

In addition to covering everything the Essential plan covers, this plan increases the baggage coverage to $1,000, the baggage delay to $300, the travel medical expense coverage to $50,000 and the emergency evacuation coverage to $500,000. 

This plan also includes up to $2,500 per person in Trip Saver coverage designed to reimburse you for meals, hotels and additional transportation if you need to begin your trip sooner than initially scheduled due to an unforeseen circumstance such as inclement weather or common carrier changes. 

Unlike the Essential plan, the Preferred plan allows travelers to purchase “cancel for any reason” (CFAR) coverage . You can also customize the Preferred plan with enhancements for pets, inconveniences, adventure sports, baggage, wedding guest coverage and a security bundle covering security evacuation and trip cancellation or interruption for political unrest.

AIG Travel Guard Deluxe Plan

The AIG Travel Guard Deluxe Plan offers the most coverage and baggage benefits. Like the Preferred Plan, it covers 100% for trip cancellation and 150% for trip interruption. The Deluxe Plan increases coverage with up to $100,000 for medical expenses, $1,000,000 for emergency evacuation, $100,000 in coverage for a flight accident, $2,500 in lost baggage coverage and $500 in baggage delay. 

Instead of being an optional add-on as it is in the Preferred Plan, Security evacuation is automatically included in the Deluxe plan. This plan also includes up to $100,000 for accidental death or dismemberment when traveling on a flight.

AIG Travel Guard Pack N’ Go Plan Essential Plan

Designed for last-minute travelers, the AIG Travel Guard Pack N’ Go Plan provides immediate coverage for unplanned trips. The plan does not include trip cancellation coverage but does include trip interruption and delay for up to $1,000. It also includes $1,000 in baggage coverage, $25,000 in travel medical expenses and up to $500,000 in emergency evacuation. 

AIG Travel Guard Annual Travel Plan

The Travel Guard Annual Plan is annual travel insurance coverage for multiple trips throughout the year. The plan includes trip interruption, trip delay, missed connection and medical coverage on all trips taken during a 12-month period of time, instead of covering each trip individually. The travel medical expense pays for up to $50,000 in medical expenses while the emergency evacuation covers up to $500,000 in evacuation expenses. 

What isn’t covered by AIG travel insurance

Like every travel insurance plan, AIG travel insurance has exclusions. It is always a good idea to check the fine print before purchasing a plan. Some exclusions to AIG Travel Guard plans include:

• Airline tickets purchased using frequent flyer airline miles or points are not covered. 
• Medical treatments from injuries sustained from alcohol or substance abuse.
• Loss or damage caused by detention, confiscation or destruction by customs.
• Injury sustained by participating in professional athletic events, motor sport or motor racing.
• Baggage loss or damage of eyeglasses or contact lenses. 
• War or an act of war.
• Participating in a riot or civil disorder.

AIG travel insurance rates

The average cost of travel insurance is 5% to 6% of your total trip cost. This can vary based on the age of the traveler, destination, cost of trip, type of plan and any add-on coverage selected. Here are examples of prices for the AIG Travel Guard Deluxe plan.

Compare the best travel insurance companies of 2024

Via TravelInsurance.com’s website

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024 . For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

AIG travel insurance review FAQs

AIG Travel Guard considers COVID-19 a foreseen event so certain coronavirus-related losses may not be covered. If you contract COVID-19 prior to your departure, however, you could be covered for trip cancellation. Likewise, if you contract COVID-19 while traveling and get a confirmed diagnosis from a doctor, you could be covered for medical expenses, trip interruption, trip delay and emergency medical evacuation benefits. 

If coverage for COVID is important to you, compare the best COVID travel insurance plans .

Yes, the AIG Travel Guard Preferred and Deluxe travel insurance plans offer the option to purchase “ cancel for any reason” (CFAR) coverage . The extra coverage allows you to cancel your trip for any reason not otherwise covered by the plan and be reimbursed up to 50% of your prepaid, nonrefundable trip expenses. For this upgrade, you need to purchase CFAR coverage within 15 days of your initial trip deposit and cancel your trip at least 48 hours prior to scheduled departure.

Yes, several AIG Travel Gaurd’s travel insurance plans offer a pre-existing medical condition exclusion waiver. The waiver allows for the coverage of some medical issues despite pre-existing conditions.

To qualify for AIG’s pre-existing medical conditions exclusion waiver, you need to buy travel insurance the same day you make your first trip deposit (or shortly thereafter), insure the full value of all prepaid, nonrefundable trip payments and deposits and be medically able to travel at the time you purchase the travel insurance.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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AIG Travel Guard Insurance Review and Costs (2024)

AIG Travel Guard offers a range of plan and upgrade options to protect international travel, but prices are often higher than competitors.

Sarah Horvath is one of the home service industry’s most accomplished writers. Her specialties include writing about home warranties, insurance, home improvement and household finances. You can find her writing published through distributors like HouseMethod, Architectural Digest, Good Housekeeping and more. When not writing, she enjoys spending time in her home in Orlando with her fiance and parrot.

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Travel insurance can compensate you for nonrefundable expenses like flights and lodging if your plans get unexpectedly canceled or other interruptions occur while you’re traveling.

AIG is a reputable travel insurance company offering three levels of coverage for most international trips. But is AIG travel insurance worth the cost? Read on to learn about AIG travel insurance, what you’re likely to pay for coverage, and more.

• Average Cost: $237
• BBB Rating: A+
• AM Best Score: A (excellent)
• Medical Expense Max: $150,000
• Emergency Evacuation Max: $1,000,000

Our Take on AIG Travel Guard Insurance

Overall, we rated AIG Travel Insurance 4.5 out of 5 stars based on our provider review standards. AIG has a reputation for offering quality family coverage, which includes one child under age 17 with the purchase of each adult travel plan. Traveling as a family could save hundreds of dollars.

AIG also sells various add-ons to enhance your policy, including cancel for any reason (CFAR) coverage. While AIG’s pricing is higher than some competitors, its policies include up to $5 million in emergency evaluation coverage, which can be especially beneficial if you’re traveling to a remote area.

87 people out of the 1,000 we surveyed chose Travel Guard. Of those people, 98% said that travel insurance was worth it , with the majority citing peace of mind or flight and baggage coverage as the reason.

Pros and Cons

Compare aig travel guard to other travel insurance companies.

We picked AIG Travel Guard as the top travel insurance provider for families thanks to its group coverage and complementary protection for children under age 17 on some policies. But what if you’re traveling solo or with a partner?

Dozens of travel insurance companies operate across the U.S., each catering to a particular group of travelers. Browse our recommended travel insurance companies using the table below based on different types of travelers.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

What Does Travel Guard Cover?

AIG Travel’s primary product is its comprehensive international AIG Travel Guard travel insurance policies. AIG Travel offers three plan options for most trips.

Travel Guard Essential

The Essential Plan is AIG’s most affordable coverage option, with fewer protections. The plan includes 100% coverage for trip interruption coverage, $50,000 in medical expenses coverage, $150,000 in emergency evacuation coverage, and up to $800 in trip delay coverage. However, the policy does not include a cancel for any reason (CFAR) option.

Travel Guard Preferred

The Preferred Plan offers mid-tier coverage, balancing affordability and protections. Highlights of this plan include 150% coverage for trip interruption coverage, $50,000 in medical expenses coverage, $500,000 in emergency evacuation coverage, and up to $800 in trip delay coverage. The plan also includes limited coverage for baggage loss and delay.

Travel Guard Deluxe

The Deluxe Plan is AIG’s top-of-the-line travel insurance option, best suited for international travelers looking to insure an expensive vacation. Highlights of this plan include 150% coverage for trip interruption coverage, $150,000 in medical expenses coverage, $1 million in emergency evacuation coverage, and up to $1,000 in trip delay coverage. The plan includes comprehensive reimbursement rates for baggage delay and baggage loss, as well as credit card reimbursements if you run into identity theft issues abroad.

Basic AIG Travel Guard Insurance Plans

In addition to the three basic Travel Guard options, AIG has two specialty plans for travelers with unique needs.

• Pack-N-Go: Pack-N-Go travel insurance provides immediate travel insurance coverage for unplanned or sudden trips. Coverage is less inclusive than the Travel Guard Essential. For example, trip interruption coverage maxes out at 100% of the trip value or $1,000, whichever is lower. This is true for all excursions, regardless of total price. While Pack-N-Go coverage includes more exclusions, it is affordably priced and you can buy it up to the day you travel.
• Annual Travel Insurance Plan: If you’re a frequent traveler, AIG offers an annual travel plan that offers general protections without the need to buy a policy each time you leave the country. The annual plan includes trip cancellation coverage for 100% of trip costs up to $2,500, up to $500 in missed connections coverage, up to $1,500 in trip delay cancellation, accidental death and dismemberment up to $50,000, and additional protections. These limitations are instituted per trip, while you pay an annual premium to cover all excursions.

All Travel Guard plans include around-the-clock travel assistance services, an invaluable service if you have a missed connection or need medical assistance in a country where you don’t speak the official language.

Read More: Travel Insurance For Parents Visiting The USA

Like any insurance company, AIG will not cover every situation you might run into abroad. While there are exclusions on every policy, you can extend your coverage with riders. Insurance riders are add-on coverages you can buy in addition to a standard travel insurance plan that allows you to use your coverage under more circumstances.

AIG sells the following riders to your Travel Guard insurance plans:

• Cancel for any reason (CFAR): CFAR coverage allows you to receive a partial reimbursement on nonrefundable trip costs no matter why you cancel. CFAR add-on coverage is available on the Travel Guard Deluxe and Preferred Plan.
• Pre-existing conditions waiver: A pre-existing medical condition is any illness or injury for which you show symptoms before you sign onto a travel insurance policy. While these conditions are usually excluded from any medical coverage on a travel insurance plan, AIG offers a waiver that allows you to extend benefits to these conditions.
• Flight accident coverage: This rider extends benefits of accidental death and dismemberment and repatriation of remains because of flight accidents and crashes.
• Rental car collision coverage: This rider adds collision coverage, which can be helpful if you rent a car internationally. This coverage does not include the liability coverage your rental car company requires.
• Name your family member: This add-on lets you select one friend or traveling companion to be considered family — and thus be covered by the plan.
• Quarantine bundle: Provides a daily financial allowance if new travel restrictions or government advisories require policyholders to follow an unexpected quarantine.
• Umbrella coverage: Policyholders can extend individual emergency or medical evacuation coverage for a few extra dollars. Umbrella coverage is available for standard medical coverage.

Other add-ons may be available for annual or last-minute trips depending on your destination and personal details. Add-on availability can vary based on your departure date and the first date that you made a payment for your trip.

Policies Offered

Not ready to get a quote for your upcoming trip? View a summary of the coverages included on each major type of plan using the table below.

*All quote information was collected on 3/22/2023 for a 28-year-old traveler visiting Mexico for one week with a total trip cost of $2,000.

How Much Does AIG Travel Guard Insurance Cost?

According to our research, Travel Guard insurance policies cost $237 on average.

To get a better idea of what you can expect to pay for AIG Travel Guard insurance, we requested quotes for seven trips with different destinations and traveler details.

These prices — especially at the higher tiers — are comparatively more expensive than competitors. For example, when we requested quotes for the same plan from competitor Travelex , we received prices between $78 and $122. In comparison, competitor Faye Travel Insurance priced a comprehensive policy option at about $135.

Use the chart below to compare Travel Guard's average cost to competitors:

AIG Travel Guard International Travel Insurance Cost

International travel insurance costs more because expenses are usually higher than non-domestic trips. You must also weigh other countries’ healthcare systems when traveling overseas, as some destinations are less accommodating if you do not have eligible health insurance. If you’re traveling to a more remote country or territory and require medical care, you may also need evacuation services, adding another layer of risk on behalf of the insurance provider.

Travel Guard Domestic Travel Insurance Cost

AIG Travel Guard also offers policies for domestic travel. We collected the following quotes for a 28-year-old traveler who is a resident of Alabama and spending a week in New York, with a trip cost of $2,000. As you can see, pricing for domestic travel was quoted at identical rates to international travel, which may make AIG a less viable choice for domestic travelers interested in affordability first .

Read More: Travel Health Insurance For Visitors To USA

AIG Travel Guard Insurance Reviews

Reviewing financial strength ratings and customer reviews is an important step when choosing a reliable travel insurance provider. AIG maintains an A rating from A.M. Best, indicating it is financially stable enough to continue paying its insurance benefits for the foreseeable future.

The company also has an A+ rating and accreditation from the Better Business Bureau (BBB). However, customer reviews of AIG are largely negative. BBB reviewers gave the company an average of 1.07 out of 5 stars from more than 250 reviews, while 100 Trustpilot users gave AIG 1.4 out of 5 stars .

AIG’s travel insurance department is part of Travel Guard Group, Inc., a Better Business Bureau-accredited business with more than 35 years in business. The Travel Guard Group also maintains a BBB rating of A+, indicating that the company is more likely to respond to consumer complaints in a satisfying way.

Online reviews of AIG’s travel insurance plans on third-party platforms are overall negative. While some customers were pleased with the company’s buying experience and knowledgeable representatives, most customer reviews were from frustrated policyholders dealing with denied claims.

“ Took out overseas car rental insurance with them. Someone drove into the back of my vehicle whilst I was in Spain. The way AIG claims handled this was BRILLIANT. They made the claim process simple, minimizing any stress, and paid in full within a few weeks. ” — Marios via Trustpilot “ I used AIG for trip insurance in October of 2022. The night before my husband and I were to travel, I found out that my father was terminally ill and I, as his P.O.A., was needed at his care facility the next day to sign the papers for his admittance to hospice. No amount of information, medical records or death certificate supplied was sufficed enough for this scam company to refund our trip. Such a disgrace. ” — Anne via Trustpilot “ ...I literally was evacuated because of a hurricane that destroyed the whole area and they said they would cover only $300 which covered only one night at one hotel we had to stay at…Their customer service is downright horrendous. I used them for every trip for the last 12 years (multiple trips a year) and never needed them. The one time I do, they're rude, unhelpful and just refusing to pay… ” — Tom via Trustpilot

Is AIG Travel Guard Insurance A Good Choice?

Overall, Travel Guard has quality travel insurance plans, with up to $150,000 in medical expense coverage, 150% coverage for trip interruption and $1 million in emergency evacuation expenses. AIG’s plans include all the standard protections you’ll find with competitors, plus coverage for a wider range of circumstances. For example, most of AIG’s plans include cancellation for work-related reasons and hurricanes, which are often excluded without riders.

While Travel Guard’s coverage is comprehensive and includes a range of protections not found with other providers, it may not be the best option for budget travelers. Travel Guard protection plans are on the more expensive end of the spectrum, though limited coverage Pack-N-Go plans are competitively priced. If you’re shopping solely based on budget, Travel Guard might not be your best option.

Frequently Asked Questions About AIG Travel Insurance

Is aig a trustworthy company.

Yes, AIG is a trustworthy company with accreditation and an A+ rating from the BBB. AIG also maintains an A rating from A.M. Best, indicating it can pay claims. While some customers post reviews expressing frustration toward AIG rejecting claims, the company is a legitimate insurer. To prevent the potential for denied claims, be sure to review the policy you’re buying to understand what it does and does not cover.

How much does AIG travel insurance cover?

AIG offers a range of travel insurance policies, which include coverage for trip cancellations or interruptions, emergency medical and dental expenses, medical evacuation and repatriation, baggage loss or delay, and more. AIG Travel Guard’s policies are comprehensive and include items like credit card fraud, identity theft and cancellations because of work.

Which is the best company to get travel insurance with?

The best company to buy travel insurance from will depend on your trip. Check out a few of the best travel insurance companies and get a quote from at least three providers to learn more about coverage.

Are AIG and Travel Guard the same?

AIG and Travel Guard are related to each other but are not the same. AIG is a multinational insurance corporation that offers a wide range of insurance products and services, including travel insurance. AIG Travel Guard is a brand of travel insurance offered by AIG. In other words, Travel Guard is a specific type of travel insurance product that is offered by AIG, but it is not the only insurance product offered by the company.

Additional Travel Insurance Reviews

Check out our reviews of other travel insurance companies below:

Methodology: Our System for Rating Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have questions about this page, please reach out to our editors at [email protected] .

More Travel Insurance Reviews

The best travel insurance policies and providers

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

• You purchase the plan within 15 days of your initial trip payment.
• The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
• You must be medically able to travel when you purchase your plan.

Standout features

• The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
• You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
• Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

• You purchased the policy within 14 days of the date of the first trip payment or deposit.
• You were a U.S. resident when you purchased the policy.
• You were medically able to travel when you purchased the policy.
• On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
• Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
• Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
• For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

• You must be medically able to travel at the time you pay the policy premium.
• You pay the policy premium within 14 days of making the first covered trip deposit.
• Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
• Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
• American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

• GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
• GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

• Some annual multi-trip plans are modestly priced.
• iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

• You purchase the plan within 15 days of the initial trip payment.
• The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
• All insured individuals are medically able to travel when they pay the plan cost.
• The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
• Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
• Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
• For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

• You buy this plan within 20 days of making your initial trip payment or deposit.
• You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
• You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
• Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
• You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
• Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

• World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
• World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

• Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
• Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
• Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
• Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
• Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
• Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
• Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
• Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

AIG Travel Guard Insurance | Money

W e’ve reviewed Travel Guard from AIG as part of our exploration of the best travel insurance companies of 2023. This review will cover the pros, cons and features of AIG Travel Guard to help you decide if it’s the best travel insurance provider for you.

Best for Add-Ons

AIG travel insurance stands out for its wide variety of add-on options. Travel Guard offers a security bundle, pet bundle, sports bundle and many other add-ons to customize your travel insurance.

AIG Travel Guard Travel Insurance Pros and Cons

AIG Travel Guard is one of many insurance providers that support international travelers while they’re abroad. It isn’t your only option, so let’s take a look at how the company’s policies compare to competitive offerings. Here’s an overview of what you can expect from a Travel Guard travel insurance policy.

• Up to $1 million in evacuation coverage
• Plenty of add-on options
• Optional waiver for pre-existing conditions
• CFAR upgrade doesn't cover the entire trip
• Premiums can get expensive

Pros explained

AIG Travel Guard insurance is highly rated across review platforms. This might be the right insurance company for you if you’re looking for a policy with high coverage for medical evacuations, a range of add-ons and waivers for pre-existing conditions.

$1 million medical evacuation coverage

One of the main reasons people buy travel insurance is to pay for an emergency medical evacuation. If you get sick or injured while abroad, you may need to be evacuated for your safety.

With Travel Guard Deluxe from AIG, you get up to $1 million in coverage for medical evacuations. Travel Guard Preferred offers $500,000 for evacuations, and Travel Guard Essential offers $150,000. That coverage goes toward flights and other costs to get you to a safe location where you can receive high-quality medical care.

Offers a variety of special add-on coverages

AIG Travel Guard Insurance offers a wide variety of add-on coverage options. These riders can be added to your plan to customize your trip. These include:

• Medical bundle: This supplies extra coverage for medical costs and the option to choose your hospital.
• Wedding bundle: This allows you to cancel your trip if a destination wedding is canceled.
• Pet bundle: This provides a daily benefit for the costs of traveling with a dog or cat, plus coverage for veterinary bills.
• Inconvenience bundle: This covers certain problems that don’t end your trip, such as credit card cancellations, closed attractions and trip delays.
• Adventure sports bundle: This removes coverage exclusions for injuries caused by extreme sports such as scuba diving, skydiving and rock climbing.
• Baggage bundle: This gives increased coverage for baggage loss and delays.

Pre-existing medical conditions waiver available for purchase

If you have a pre-existing condition that could lead to medical costs during your trip, Travel Guard offers waivers to extend coverage for those expenses. The waiver must be bought before your trip. It might be worthwhile for travelers with chronic conditions, immune system deficiencies, and other conditions that can make traveling especially dangerous.

Cons explained

AIG travel insurance isn’t right for everyone. Before you buy a Travel Guard plan, you should be aware that you can’t get a full reimbursement when you cancel for any reason and that your premium might be more expensive than other options.

Cancel for Any Reason upgrade only covers 50% of trip costs

Cancel for any reason (CFAR) policies are common with travel insurance companies. This add-on allows you to be reimbursed no matter why you cancel your trip.

A standard travel insurance plan only offers reimbursements for a prescribed list of eligible reasons for canceling. These include medical or weather-related emergencies and the death of a close family member or traveling companion. But with CFAR, you can cancel under any circumstances and still receive coverage — as long as you do so 48 hours before departure.

Unfortunately, AIG Travel Guard with CFAR only offers a 50% reimbursement of your prepaid travel expenses. Other companies offer a higher reimbursement percentage, so consider whether you want more comprehensive protection before signing up for this insurance.

Expensive premiums

AIG Travel Guard is not the cheapest travel insurance company out there. Your exact premium depends on several factors, including your destination, plan type, add-ons and age. But based on our sample quotes, AIG travel insurance plans are slightly more expensive, on average, than other insurers’ plans.

AIG Travel Guard Travel Insurance Plans

Like shopping for the best travel credit cards , choosing the best travel insurance plan takes time and research. The best plan will save you money and give you peace of mind, while the wrong plan could be an unnecessary expense. That’s why looking for insurance companies offering multiple policy options is best.

AIG Travel Guard offers three main plans plus two bonus plans for international travel insurance. Let’s break those options down in detail.

Travel Guard Essential is a very basic travel plan offered by AIG. This budget-friendly plan comes with standard coverage for trip cancellations, interruptions and delays. Medical coverage goes up to $15,000 plus $500 for dental costs and $200 for lost or damaged baggage.

The Essential plan is best for a tourist or short-term traveler who is willing to sacrifice comprehensive coverage for a lower insurance premium. The plan can be beefed up with any of AIG’s add-on bundles.

Travel Guard Preferred is a mid-priced option for someone who wants more coverage. This policy comes with medical coverage of up to $50,000 and evacuation coverage of up to $500,000. Damaged, lost or stolen baggage is covered up to $1,000.

Travel Guard Deluxe, the most expensive plan offered by AIG, comes with a wide range of benefits and includes security evacuation, missed-connection coverage, trip-saver coverage and more. This plan offers up to $1 million for a medical evacuation.

Travel Guard Deluxe is a good choice for someone traveling to rural or dangerous areas. It covers almost any emergency and even includes robust coverage for your beneficiaries in case of a fatal accident.

AIG’s Pack N’ Go plan is designed for travelers who buy their insurance at the last minute. There is no cancellation coverage, but this plan offers up to $25,000 in medical coverage plus $500 for lost or damaged baggage. Buying travel insurance at the last minute is not recommended, but this is a helpful option if you plan a trip quickly.

You can purchase an annual travel insurance plan through AIG. An annual plan is ideal for someone who travels frequently, especially to dangerous areas. With Travel Guard’s annual plan, you’ll get:

• Trip delay coverage: $150 per day, up to $1,500
• Trip interruption coverage: up to $2,500
• Lost baggage coverage: up to $2,500
• Baggage delay coverage: up to $1,000
• Medical expenses coverage: up to $500,000 (dental coverage up to $500)
• Accidental death coverage: up to $50,000
• Emergency evacuations and repatriation of remains: up to $500,000

These benefits apply to multiple trips within the same year. You can renew your coverage annually or cancel at the end of a payment period. Purchasing an annual plan is usually less costly than insuring two trips individually.

AIG Travel Guard Travel Insurance Pricing

AIG travel insurance is comprehensive but on the higher end of the price spectrum. Premiums for Travel Guard Essential and Premium are on par with industry standards. Travel Guard Deluxe is slightly more expensive because of the added coverage that comes with it.

For example, our quote for a month-long vacation in Europe for two people costing around $5,000 came to around $300 with Travel Guard Premium and $560 with Travel Guard Deluxe. Add-on bundles will add a flat rate to that price. Our quotes for the same trip came out to around $150–$300 with other travel insurance companies.

Of course, that’s just an estimation. Your exact premium will vary depending on your travel dates, destination, age, number of people in your party and other factors. AIG family travel insurance goes up in price for each family member added.

Talk to an AIG Travel Guard representative to get a personalized quote for your travel insurance. You can also request a quick quote online for a basic estimate.

AIG Travel Guard Travel Insurance Financial Stability

AIG Travel Guard is an established insurance provider and a publicly traded company. It has an A rating from AM Best, which reflects a high degree of financial strength and stability. AIG also has a rating of A2 from Moody’s and an A+ from Standard and Poor’s. Because Travel Guard is a product of AIG, you should expect this insurer to remain stable in the future.

AIG Travel Guard Travel Insurance Accessibility

Here’s how AIG Travel Guard compares with other top insurers in terms of accessibility.

Availability

AIG travel insurance offers coverage on six continents. You can search for your destination country on AIG’s website to ensure coverage is available, but remember that not all coverage is available in all destinations.

When it comes to buying travel insurance, AIG is only available to residents of the U.S.

Contact information

You can call AIG’s travel insurance phone number any time to get more information about your policy or request help. Both of these numbers have 24/7 availability:

• U.S. toll-free, 1-855-203-5962
• U.S. and international collect, 1-715-345-0505

If you need to file an AIG travel insurance claim, you can connect with a customer service agent online or over the phone. You can also reach AIG by mail at:

Travel Guard

3300 Business Park Drive

Stevens Point, WI 54482

User experience

While it does offer a travel-assistance app, this insurer isn’t as up-to-date with modern technology as other options. Its Travel Assistance app has 2-star ratings on both Google Play and the App Store and is difficult to navigate. The website is also slightly confusing and has several pages stating the same information. On top of that, AIG travel insurance claims must be filed directly with an agent.

However, getting a quote on the AIG website is easy. It takes less than a minute, and you don’t need to provide your name or any contact information.

AIG Travel Guard Travel Insurance Customer Satisfaction

AIG Travel Guard receives a high rate of customer complaints. It’s rated 1.01/5 stars with the Better Business Bureau. Some reviewers report a lack of helpful customer service and problems getting their AIG travel insurance refund for a canceled trip.

Keep in mind that these complaints are fairly standard in the travel insurance industry. Your individual experience will vary depending on your plan and other details.

AIG Travel Guard Travel Insurance FAQ

What does aig travel guard travel insurance not cover.

• Pre-existing conditions (without an optional waiver)
• Traveling against your doctor's advice
• Traveling against warnings about war or other dangerous conditions
• Trip cancellation due to concerns over a COVID-19 outbreak at home or in your destination country. You may be eligible for cancellation coverage if you have a confirmed diagnosis of COVID-19 before your departure.

What is the AIG Travel Guard claims process like?

Is aig travel guard travel insurance worth it, how we evaluated aig travel guard travel insurance.

We evaluated AIG Travel Guard for this review based on several factors, including:

• Range of plan options
• Accessibility
• Customer reviews and complaints
• Claims filing process
• The extent of coverage for the cost

Summary of Money’s AIG Travel Guard Travel Insurance Review

AIG Travel Guard stands out for its variety of add-ons. Its optional bundles allow you to customize your plan to meet your travel needs. While the Deluxe plan is a little more expensive than other options, Travel Guard could be the right choice for you if you value flexibility and extensive coverage.

Whichever insurance policy you choose, be sure to plan ahead and buy your insurance far in advance. Keep an eye out for other ways to save on your trip, including the best travel rewards credit cards and travel booking sites .

© Copyright 2023 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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Travel Guard ® FAQs

Covid-19 cover and benefits.

We have enhanced the Travel Guard benefits to cover certain situations pertaining to COVID-19. Depending on the travel insurance plan purchased, the benefits and cover may differ.  Full terms and conditions, as well as exclusions can be found here . For the latest travel requirements and advisories for arrival, transit or departure, please click here .

What are the key benefits of Travel Guard’s COVID-19 coverage?

Travel Guard offers COVID-19 coverage, depending on the type of plan purchased. A summary of the key benefits by plan types are listed below. Please refer to the policy wording for full details.

Return Per-Trip and Annual Multi-Trip policies

• Up to S$300,000 for medical expenses incurred overseas, emergency medical evacuation and repatriation
• Up to S$7,500 for travel cancellation or up to S$1,500 for travel postponement
• Up to S$7,500 for travel curtailment
• S$100 daily cash allowance for out-of-country COVID-19 diagnosis quarantine allowance, capped at 14 consecutive days

One-Way Per-Trip policies

• Up to S$7,500 for travel cancellation
• Up to S$1,500 for travel postponement

Do I need to be fully vaccinated to be eligible for Travel Guard?

You do not need to be fully vaccinated to purchase Travel Guard. However, do note that the country that you are travelling to (including any transit countries) may have specific prevailing entry requirements, including a requirement for you to be vaccinated before embarking on your trip. Please click here for relevant travel information regarding your travel destination(s). Please note also that Travel Guard will not provide any cover if you are refused entry to any location because you do not meet the location’s entry requirements.

Is a COVID-19 swab test required before purchasing Travel Guard?

You do not need to take a COVID-19 swab test to purchase Travel Guard. However, the country that you are travelling to (including any transit countries) may have specific prevailing entry requirements, including a requirement for you to clear a swab test in order to travel. Please click here for relevant travel information regarding your travel destination(s). Please note also that Travel Guard will not provide any cover if you are refused entry to any location because you do not meet the location’s entry requirements.

Can I choose to purchase Travel Guard without the COVID-19 coverage?

Travel Guard comes with COVID-19 coverage as part of the standard benefits for all plans.

What happens if I have a trip booked and the Singapore government or the destination country’s government closes borders due to COVID-19?

You will not be able to claim under your policy if the Singapore government or the destination country’s government closes the border at any stage before or during your trip. Please refer to the General Exclusions section in the policy wording for full details.

I travelled from Singapore to another country. If I test positive for COVID-19 upon returning to Singapore, will I be covered for medical expenses?

Travel Guard’s COVID-19 coverage does not cover post-trip medical expenses regardless of whether medical treatment has been sought overseas during the trip. 

Is there any coverage if I need to be quarantined upon arrival in Singapore?

Travel Guard does not cover expenses related to quarantine in Singapore.

Does Travel Guard cover me for expenses for COVID-19 diagnostic tests?

No, Travel Guard does not cover expenses incurred for mandatory COVID-19 diagnostic tests for any pre-departure or post-departure testing requirements.

If I test positive for COVID-19 and need to cancel my trip before the departure from Singapore, can I claim for cancellation costs if the airline or travel company offers me a voucher or a credit note instead of a refund?

Travel Guard does not cover trip cancellations or trip postponements if the airline, hotel, travel agent or any other provider of travel and/or accommodation has offered a voucher, credit note or re-booking of the trip as a form of refund or compensation for the cancellation.

If I contracted COVID-19 and am quarantined at a family members’ or friend's house overseas, can I claim for Out-of-country COVID-19 Diagnosis Quarantine Allowance?

Yes, we will pay S$100 per day for up to 14 consecutive days, if while overseas, you test positive for COVID-19 and as a result, are unexpectedly placed into mandatory quarantine outside Singapore, subject to the terms and conditions of the policy.

If I contracted COVID-19 and the country of travel does not require quarantine, can I claim Out-of-country COVID-19 Diagnosis Quarantine Allowance if I choose to self-quarantine?

No, the Out-of-country COVID-19 Diagnosis Quarantine Allowance will not apply if the quarantine is not mandatory.

Will the policy be automatically extended if I contracted COVID-19 overseas and need to be quarantined beyond my return date?

If at the time of the expiry of your policy, you are confined in a hospital and/or quarantined whilst overseas due to COVID-19 and you are following the directions of the attending medical practitioner, the hospitalisation or quarantine is covered by the policy if you are unable to return to Singapore as planned. The policy period will automatically extend for up to 30 days from the date of expiry of the policy without payment of any additional premium.

Please refer to the terms and conditions in the policy wording for full details.

If my travel companion is diagnosed with COVID-19 and as a result triggers Automatic Extension, will Automatic Extension be applied to my Travel Guard policy as well?

Subject to the policy terms and conditions, Automatic Extension applies to one person who is insured with us and has been authorised by us in writing to extend and stay on the trip.

If I have purchased a family plan and one family member is diagnosed with COVID-19 and as a result triggers Automatic Extension, will the rest of the family members on the policy get Automatic Extension as well?

Yes, provided the conditions for Automatic Extension have been met for one person of the family, the other accompanying family members named in the Certificate of Insurance will have their coverage automatically extended under the same terms as well.

The travel companion whom I’m travelling with is diagnosed with COVID-19 before the departure date and is unable to proceed with the trip. Does Travel Guard cover me for travel cancellation/travel postponement if I do not proceed with the trip?

Travel Guard covers you under Travel Cancellation and Travel Postponement if your travel companion is diagnosed with COVID-19 prior to your trip departure date. Please refer to the respective benefits sections in the policy wording for full details of cover.

Can a self-administered Antigen Rapid Test (ART) result be used if I need to file for a claim due to COVID-19?

For COVID-19 benefits to apply, the COVID-19 diagnosis must be confirmed by a medical practitioner. A self-administered ART and/or photographic evidence of a positive ART result in itself would not substantiate a loss.  A medical report from the medical practitioner to confirm the diagnosis will be required for claims assessment. Please click here for details on how to make a claim and the supporting documents required.

Other than COVID-19 diagnosis as confirmed by a medical practitioner, what other supporting documents are required to claim Out-of-country COVID-19 Diagnosis Quarantine Allowance?

The standard supporting documents are:

• COVID-19 diagnosis/result by a medical practitioner;
• Flight itinerary; and
• Government mandate detailing the period of quarantine.

Other Benefits Related Questions

What happens if i have a trip booked and the singapore government or the destination country’s government closes the borders.

You will not be able to claim under your policy if the Singapore government or the destination country’s government closes the border at any stage before or during your trip.

If I am sick overseas but did not receive treatment overseas, can I do so upon my return to Singapore?

If no medical treatment has been received overseas, the time limit for seeking medical treatment is up to a maximum of 30 consecutive days from your arrival in Singapore, provided you first seek medical treatment within 48 hours of arrival in Singapore. There will be a cap of $100 for each medical treatment visit up to the sum insured limit of your plan.

While overseas, I suffered an injury and sought treatment overseas. Does my Travel Guard policy allow me to continue treatment after I am back in Singapore?

You have up to maximum of 30 consecutive days from your arrival in Singapore to seek follow-up treatment.

If I am pregnant, will I be covered for any medical treatment overseas?

We will reimburse for necessary and reasonable medical expenses incurred and paid by you overseas for pregnancy-related sickness you suffer during your trip.

Are business trips covered under Travel Guard?

There are no exclusions for general business trips for Travel Guard.

Does Travel Guard cover pre-existing medical conditions?

We cover repatriation of mortal remains due to pre-existing medical conditions. However, other benefits will not apply to any claim relating to pre-existing medical conditions.

Which countries are not covered under Travel Guard?

Travel Guard does not cover any loss, injury, damage or legal liability arising from travel in, to or through Cuba, Iran, Syria, North Korea, or the Crimea region.

Any sanction, prohibition, or restriction under United Nation resolutions or the trade or economic sanctions, laws, or regulations of the European Union or the United States of America will not be covered as well. 

How does Travel Guard define pre-existing medical conditions?

A Pre-existing medical condition is defined as: 

• First manifested itself, worsened, became acute or exhibited symptoms which would have caused an ordinarily prudent person to seek diagnosis, care or treatment;  
• Required taking prescribed drugs or medicine, or tests or further investigation had been recommended by a medical practitioner; or
• Was treated by a medical practitioner or treatment had been recommended by a medical practitioner.
• Any congenital, hereditary, chronic or ongoing condition of yours, your travel companion or your relative which you or they are aware of, or could reasonably be expected to be aware of, before the policy issue date.

Is trekking covered under my Travel Guard Policy?

There are no exclusions for trekking below 3,000 metres. For trekking above 3,000 metres and below 6,000 meters, the following conditions must be met:

• Trekking route must be available to general public without restriction;
• The trekking activity must be organised by a recognised commercial local tour / activity provider; and
• The entire trekking activity must be under the guidance, supervision of qualified guides and/or instructors and you must follow safety procedures and instruction of the guide and/or instructor at all times.

Please refer to the terms and conditions in the policy wording for full details.  

How does Automatic Extension work?

We will automatically extend the period of insurance for up to 30 days from the policy expiry date without payment of any additional premium if, due to unexpected circumstances beyond your control, for example, due to injury or sickness or unavoidable delays affecting your return common carrier, you cannot complete your trip within the period of insurance stated in your Policy Schedule. This also applies to one person travelling with you who is authorised by us in writing to stay with you if the extension is due to medical reasons.

Who do I call in the event of an emergency during my travel?

Please contact our 24-hour emergency assistance hotline at +65 6733 2552.

Before you buy

Who can purchase travel guard and is there an age restriction.

You can purchase Travel Guard if:

• you are ordinarily resident in Singapore (as defined under the Insurance Act 1966) with full rights to enter and return to Singapore regardless of medical status;
• you are returning to or intending to return to Singapore at the end of your travel; and
•  your pre-trip arrangements must be made and paid for, and your trip must commence from Singapore.

Please note if you are above 70 years of age, the sum insured limit for some benefits including Overseas Medical Expenses and Personal Accident is lower.  Please refer to the policy wording for full details.

What is the maximum trip period under Travel Guard for return per-trip and annual multi-trip plans?

The maximum trip period covered by Travel Guard is up to:

• 182 days for return per-trip plans; or
• 90 days for any one trip under an annual multi-trip plan.

What is the difference between a per-trip policy and an annual multi-trip policy?

A per-trip policy covers from the time you depart Singapore and ceases upon your arrival in Singapore or the policy end date, whichever comes first. The maximum period of coverage for an overseas trip is 182 consecutive days. An annual multi-trip policy covers unlimited number of overseas trips, for up to 90 consecutive days each, within the policy year.

What zone do I select if I am going on a cruise?

If you are travelling on a cruise, you must select the highest covered zone based on the furthest destination of your cruise.  For example, if your cruise will be stopping at Bali (Zone 1) and Australia (Zone 2), you must select Zone 2 for Australia as that is the furthest destination of your cruise.

How do I purchase Travel Guard?

You can purchase Travel Guard via our  website or our mobile applications – iOS and Android. We accept payment by credit card (Mastercard or Visa).

Alternatively, you may approach your AIG insurance agent for assistance.

After you purchase

I wish to make changes to my travel dates or destination for my per trip policy. what should i do.

You can change your travel dates or destination via  AIG’s self-help online portal before the policy effective date.

Can I cancel my Travel Guard policy and get my premium refunded?

Per-Trip policy : There will be no refund of premium once the policy is issued.  

Annual Multi-Trip policy : If the policy is cancelled in the first nine months from the policy issue date, a short rate will apply except if there has been a claim against the policy. A short rate is an insurance premium which we charge if your coverage is less than one year. It is not pro-rated. There will be no refund if you cancel the policy more than nine months from the policy effective date.

Can I extend my Per-Trip policy during my overseas trip?

You may extend your policy provided you have not claimed against or are aware of any known losses or circumstances that might give rise to a loss under the policy. You must apply for the extension prior to the expiry date of your original policy, and the total period of coverage must not exceed 182 days.

You can apply for an extension of your original policy via our online form  and completing the payment of the additional premium. You will be required to confirm your travel arrangements when you extend the policy. Approval for your application for extended cover is subject to our review. Additional terms and conditions may apply and we reserve the right to decline any extension application.

I have an annual multi-trip policy and I need to travel for more than 90 days for a trip. What can I do to extend coverage for this trip?

You can apply for an extension for this trip by submitting a request via our contact us form . However, the total number of days for the trip must not exceed 182 days. You will be required to confirm your travel arrangements when you extend the policy. We will review your application for an extension before deciding whether or not to approve it. If we approve your application, additional terms, conditions and exclusions may apply.  

How can I submit a claim?

Claims may be submitted online here .