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. Show
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. Coronavirus considerationsImportantly, 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. Travel insurance plans offered by AIG Travel GuardAIG 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
Travel Guard Preferred - This midlevel plan gives many of the same basic coverages as the Essential, but at higher levels.
Travel Guard Deluxe - The biggest benefits can be found in this highest level plan.
How to buy a Travel Guard policyTravel 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:
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. Additional travel insurance options and add-onsIf 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. Going on an extreme adventure trip? The Travel Guard Plus option is a comprehensive package that specifically covers adventure sports. 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. What’s not covered by a Travel Guard planWhile 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:
Who should get a Travel Guard insurance policy?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. Travel Guard, recappedTravel 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. Frequently asked questions What is covered with Travel Guard insurance? 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. Does Travel Guard insurance cover cancellation? 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. How do I get my money back from Travel Guard? 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. What insurance includes Cancellation For Any Reason? 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. How to maximize your rewardsYou want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2022, including those best for: Does travel Protection cover cancellation?That's exactly what we're here to discuss today. Here's the very short answer: Travel insurance covers lost money from canceled trips, emergency medical expenses, evacuation costs, baggage & delays, and 24/7 assistance. This is a simple overview of the coverage you get with comprehensive travel insurance.
Does travel insurance cover trip cancellation for any reason?It provides up to a full refund of your prepaid, nonrefundable costs if you need to cancel a trip for a specific, unforeseen covered reason. Common travel insurance plans will cover reasons such as a death in the family, common carrier-related issues, or an unforeseen natural disaster.
What are covered reasons to cancel trip?Covered reasons for Trip Cancellation. Medical reasons (unforeseen ailment, injury or death in the family). Inclement weather or natural disasters (tropical storms, hurricanes, etc.). Terrorist attack (in or around where you're planning to visit). Financial default (of a carrier). Involuntary layoff or termination.. Can you cancel travel insurance and get a refund?Depending on the policy, the Money Back Guarantee period typically lasts between 10 and 14 days. During this time, travelers can cancel their policy for any reason for a full refund. However, travel insurance is no longer refundable after this date.
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