AIG Travel Guard

AIG Travel Guard is a travel insurance provider that for over 30 years has offered comprehensive domestic and international plans that range from "peace of mind on a budget" to top of the line.

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8.3
Grand Score
8
User Score
8.3
Grand Score
8
User Score
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Whether it’s for business or pleasure, domestic or international, one thought always crosses your mind when you travel: "I hope nothing happens to mess up this trip." Travel insurance exists for those moments when something does happen, and AIG Travel Guard is one company that can have your back on eligible expenses and losses, as well as on non-refundable deposits and pre-payments. Its three plans offer a foundation at three different price points, and you can build the ideal plan to cover your needs from there. For over 30 years, the company has been dedicated to providing superior travel coverage, as well as world-class assistance if you ever need to call on them for help. Quotes can be obtained online, after allowing its easy-to-use comparison tool to help you decide which plan is perfect for you. 

Grandfolk Scoring
Cost 8/10
Ease of enrollment 8/10
Coverage 8/10
Waiting period 10/10
Customer support 9/10
Apps 6/10
Claims 10/10
Money back guarantee 9/10
Age restrictions 8/10
Pre-existing conditions 7/10
Cost
Premium per policy
Typically 4-10% of total cost of travel
Ease of enrollment
Ways you can enroll
Online, Phone
Coverage
Number of policy options
Good variety
Waiting period
When is insurance effective?
Immediately
Customer support
Ease of access
Online, phone 24/7/365
Apps
Can I manage my policy from my phone?
No
Claims
How long do claims take to be reviewed?
1-2 business days for processing fax or email
Money back guarantee
Can I cancel my plan?
Yes, for refund of plan cost less service fee within 15 days of effective date if not yet departed and no claim filed
Age restrictions
Is there a maximum age limitation?
No, but prices do rise with age
Pre-existing conditions
Do pre-existing conditions affect medical coverage?
Waiver option may be available within 15-day window
Age Score:
9
50-65 Years
9
65-75 Years
9
75-85 Years
9
85-Above

While travel insurance is a great idea at any age, it is especially so for seniors. With the advancing years, it is nice to know you have help organizing your trip, as well as a backup plan in case anything goes wrong while traveling. AIG Travel Guard’s concierge and emergency services offer perfect support when developing travel plans, making recommendations, booking reservations and assisting in times of emergency. While advancing age does not limit the availability of policy options, prices do increase with your age. Having just three policy options makes choosing the right policy an easy process, and all plans include medical coverage.

Health Score:
10
Great health
8
Good Health
7
Fair Health
5
Poor Health

AIG Travel Guard’s three main policies all include medical and dental coverage related to travel incidents. The company also offers a 'Medical Only' plan called MedEvac, but to obtain a quote or to purchase this policy you would have to speak to a customer service representative. As your health declines, it is likely you will have what is considered a 'pre-existing condition.' A pre-existing medical condition waiver may be obtained on some plans if you purchase your policy within 15 days of making your initial trip downpayment and if your condition is stable. (A recent diagnosis or change in care could derail such a waiver.) If you are dealing with pre-existing conditions, it is important to contact an AIG representative to get clarity on whether they would be covered or not under the policy. The last thing you need is the unpleasant surprise of finding out you have no coverage when you need it far from home.

Pros:

  •  Having just three comprehensive policy options keeps the selection process uncomplicated. 
  • Many add-on insurances and upgrades, plus non-insurance services, allow you to customize the policy you select. 
  • AIG’s Bag Trak service helps locate your lost luggage and sees that it is returned promptly.
  • Travel Guard's excellent 24/7/365 concierge service will help with all your travel emergencies.
  • Parts of some plans are 'primary,' which means they pay regardless what other insurance you have.
  • All plans include medical expense coverage as part of the plan, although the company also offers a 'Medical Emergency Only' plan called MedEvac. 

Cons:

  • A waiver for a pre-existing medical condition may be needed for a recent diagnosis or change in care. However, waivers only apply if the plan is purchased 15-day window after initial trip payment. 
  • AIG Travel Guard does not offer a smartphone app.
  • Policy pricing increases with age.
  • For a quick turnaround on a claim, you must use fax or email. 
  • The company offers no annual plans.

Bottom Line:

AIG Travel Guard provides comprehensive insurance coverage for all of your travel needs. The three policy options are easy to understand and evaluate, so you can select the plan that best fits the needs of your upcoming travel. If you are not interested in complete coverage, you can inquire about their 'Medical Emergency Only' plan, MedEvac, but would have to do that directly with an AIG representative. Areas covered by Travel Guard’s Insurance policies include trip cancellation, delays, baggage lost/stolen and medical emergencies. Should you need assistance, AIG Travel Guard has a 24/7 concierge service that can guide you to the best outcome possible. Travel Guard’s comprehensive policies go a long way towards providing peace of mind while you are away from home.

Frequently Asked Questions:

What aspects of travel does this company cover?

Trip cancellation, trip interruption, trip delay, missed connection, baggage lost/stolen/delayed, flight cancellation, flight accident, medical expense upgrade, international or domestic emergency evacuation, repatriation of remains, AD&D, rental car collision, cruise cancellation, enhanced emergency medical coverage, identity theft, cancel for any reason, and 24/7 travel assistance services. (Not all coverage available in all states.)

How long will it take to review my claim?

If you fax or email your claim to the company, the review will take 1-2 business days.

If I change my mind after enrolling in a protection plan, can I get a refund?

If you are not completely satisfied, you can receive a refund of the policy cost, minus the service fee. Requests must be submitted to Travel Guard in writing within 15 days of the effective date of the coverage, provided it is not past the original departure date. (Not available in all states.)

More Information:

Product Details

Overview: AIG Travel Guard offers three unique options that provide differing levels of comprehensive travel coverages upon which custom-tailored policies can be built. All plans include medical emergency expense coverage.

Package Details: 

Platinum Plan – the highest, broadest level of premier travel coverage
Gold Plan – the standard plan for all travel, whether domestic and international  
Silver Plan – a starter policy that provides basic coverage ("peace of mind on a budget")

Optional Coverage:
 
Cancel for Any Reason (available to Platinum and Gold plans)
Medical Expense Upgrade (available to Platinum and Gold plans)
Emergency Evacuation Upgrade (available to all plans)
Flight Accidental Death & Dismemberment (available to all plans) 
Car Rental Collision (available to all plans)

Additional Company Details

Contract Details: Contract details vary, but if the plan is purchased within 15 days of the initial trip payment, certain extra features may become available: pre-existing medical condition exclusion waiver, trip cancellation/interruption due to financial default, $250 additional missed connection, $50,000 Flight Guard and accident sickness medical expenses. Policies will contain reductions, limitations, exclusions and termination provisions. Not all coverages are available in all states. Non-insurance services are provided by Travel Guard.

Warranty:  A refund for the purchase price of the policy can be issued, as long as the request is submitted in writing, by email or fax, within 15 days of the effective date of coverage and before the original departure date.

Accreditations: Its parent company, American International Group, Inc. (AIG) has a Financial Strength Rating of A (Excellent) from A.M. Best. The Travel Guard Group has been accredited by the Better Business Bureau since 2012 and holds an A+ rating from the BBB website. 

Company Details: Founded in 1982 by John M. Noel, Travel Guard has changed hands many times, growing as it went, until it was purchased by American International Group (AIG) in 2006. Today, the company has more than 30 years of industry experience and supports its insured travelers through its various assistance centers found in Asia, Europe and the Americas. Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, PA, which is currently authorized to transact business in all states and the District of Columbia. 

Contact: 

Travel Guard
3300 Business Park Drive
Stevens Point, WI 54482

800-826-5248

Samuel Kelokates - Senior Advisor

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