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AIG Travel Guard Insurance Review


ConsumersAdvocate.org Rating: 4.5 / 5 (Excellent)
29 Customer Comments & Reviews - see all comments
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Travel Guard is a travel insurer owned and operated by AIG, a Fortune 500 multinational insurer headquartered in New York City. Travel Guard has been in business for over 35 years and offers various travel insurance policies, travel concierge services, emergency evacuation coverage, and specialized identity theft protection for travelers.

How is Travel Guard Insurance rated?

Breakdown

4.5/5
Coverage
4.5/5
Extra Benefits
4.5/5
Financial Strength
4.5/5
Price & Reputation

Overall Rating: 4.5 / 5 (Excellent)

Travel Guard offers remarkably comprehensive benefits and features through its more expensive policy packages. However, its entry-level policies may not be all that useful for many travelers. While AIG, Travel Guard's parent company, appears to be on a sound financial footing now, its past financial management caused the business to collapse and require a US government bailout in 2008. Still, Travel Guard is on par with many of its competitors, particularly concerning its premium coverage plans.

Travel Guard Insurance Plans & Coverage

Coverage - 4.5 / 5

Travel Guard offers four levels of travel insurance coverage. Its most expensive and comprehensive policy includes all the standard coverages, plus additional concierge and travel assistance benefits. The company's entry-level plan has higher deductibles, lower coverage limits, a longer pre-existing medical condition exclusion period, and a lengthier baggage delay look-back period. Despite the fact that some of the limits and restrictions on Travel Guard's least-expensive policy could make it seem of lesser value to frequent or long-distance travelers, their comprehensive plan more than makes up for what the former lacks.
Available Plans
Comprehensive
Trip Cancelation/ Interruption
Medical
Baggage
Accidental Death
Trip Cancellation/Interruption Coverage
Injury/Illness/Death of Traveler
Injury/Illness/Death of Non Traveling Family Member
Natural Disaster at Destination
Tour Operator/Airline/Cruise Line Ceases Operation
Victim of Crime Prior to Trip
CFAR Coverage (Cancel for Any Reason)
Emergency Medical and Emergency Transportation Coverage
Doctor, Hospital, or Other Licensed Provider
Dental
Emergency Medical Evacuation/Repatriation
Transport Family Member to Bedside
Transport Children Home
Baggage Coverage
Lost/Damaged/Stolen
Baggage Delay Coverage

Emergency Medical Coverage Details

Emergency Medical Pre-Existing Condition Coverage
Maximum Emergency Medical Reimbursement
$50,000
Maximum Emergency Medical Evacuation Reimbursement
$1,000,000

Baggage Coverage Details

Maximum Baggage Reimbursement
$2,500
Valuable Item Limit
$500
Receipts Required for Valuable items

Travel Guard Insurance Financial Strength

Financial Strength - 4.5 / 5

Although AIG, Travel Guard's parent company, required a federal bailout to survive the economic crisis of 2007–2008, the company has returned to financial stability and is now free from federal oversight. National Union Fire Insurance Company of Pittsburgh, another AIG subsidiary, underwrites Travel Guard's travel insurance policies. National Union has received good marks from all major financial rating agencies, so consumers should be reasonably confident in the financial strength of the companies behind Travel Guard.
Underwriter
National Union Fire Insurance Company of Pittsburgh
Moody's Financial Rating
A2
AM Best Financial Rating
A

Travel Guard Insurance Price & Reputation

Price & Reputation - 4.5 / 5

Travel Guard has a high rating with the Better Business Bureau but has only a modest number of reviews on the organization's website. It has not been reviewed on TrustPilot.com, yet there are some complaints against the company on various review sites concerning their coverage limitations and demanding claims documentation process. It appears the company's "medical certificate" form requires an examining physician to fill in some 25 different fields in addition to those to be completed by the insured. Naturally, insurers need to verify the medical necessity for canceling a trip, but at some point the paperwork becomes so onerous that the process becomes an impediment to, rather than a facilitator, of honest claims resolution. A number of online reviews of Travel Guard suggest the company may have reached that point.
BBB Rating
A+
Number of BBB Positive Reviews
3
Number of BBB Negative Reviews
17
Date Collected
2018-01-15

Travel Guard Insurance Customer Assistance Services

Extra Benefits - 4.5 / 5

Travel Guard customers can initiate a claim online, but processing requires the completion of paper forms which the company says take 7 to 10 business days to arrive by mail. In this regard, Travel Guard lags behind some of its competitors who send claim forms and other documents electronically. The company does have a mobile app, but it appears to be primarily a way for the company to deliver travel information to its insureds, rather than a full-featured app through which claims can be made and processed.
24/7 Support
Mobile App

Travel Assistance Services

  • Rebooking
  • Lost Passport/Document Assistance
  • Up to the Minute Travel Advisories
  • Roadside Assistance

Emergency Medical Assistance Services

  • Physician Referral
  • Emergency Prescription Replacement

Concierge Assistance Services

  • Restaurant/Event Referral and Reservation
  • Ground Transportation Recommendations
  • Weather Advisories
  • Wireless Device Assistance
  • Plane/Boat Charter Assistance
Display Less
2 More

Homepage URL
Company Phone
(800) 829-5248
Headquarters Address
3300 Business Park Drive, Stevens Point, WI, 54482

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29 Customer Comments & Reviews

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Gerard F
11/1/2023
My Church Holy Land Pilgrimage Trip in June of 2024 was canceled on Oct 23, 2023 one month after buying the insurance due to the War in Israel. Travel Guard refused to refund any of the church travelers policy premiums due to a 15 day expiration date clause from time of purchase to cancellation. (I'm out $1,284).


M
Mike R
9/4/2023
They have terrible follow through. We have filed 2 claims for flight cancellations. Claim processing times exceeded by weeks those guaranteed by the policy. I had to file a complaint with the NH Instance Dept. to get any satisfaction and fair resolution.


mynewyork718
8/4/2023
This is the worst travel insurance I have ever used. My claim is now almost one year old and I still have not received any compensation. I booked a trip for the 25th of September and a few days later, the local supervisor said I needed to be there by the 22nd. I changed my ticket incurring higher charges. My flight was delayed due to hurricane in Florida and by the time I got another flight, the connecting flight had left. I had to take a taxi to a hotel, stay overnight, buy food and get a flight the next day. While in Costa Rica, I got ill and had to see a doctor. Two days before leaving, a fell and got injured. The flight home was delayed more than 8 hours and I ended up taking a... Read More


T
Terry K
6/19/2023
Terrible procedures and handling of our claim. Even after providing the requested medical documentation, they continue to request more information from us. Still arguing with them and the claim isn't resolved. Do not use this company!


4dvorakb
5/19/2023
Terrible travel insurance!! Do not use!! This travel insurance will do anything to convince you that you are perfectly covered in case of any travel related problems, such as missed connection, delayed luggage or any travel inconvenience. The true is that Travel Guide will not pay you anything if any from above mentioned situations actually happen. There is always "a small print" for any piece of "coverage" which basically disqualify you from any payment or cost reimbursement. Just wait for your first claim and you will quickly learn that this company is fraud.


drwlane
5/2/2023
HORRIBLE CUSTOMER RELATIONS! This company does everything they can to delay or not pay you. I had a loss in late December, I submitted 28 pages of documentation in February. I was told they had 10-15 business days to process the claim. On the 15th day, they sent me a generic request for more information. I called the phone number and was told the information was in the file I submitted and they would note that in my file. Then, 15 days later I get another generic request for more information. At that point, I asked for specific information regarding their request. Then they would call me while I am going down the road to explain what they needed. I asked that they schedule a time... Read More


boblightfoot100
3/29/2023
I had an absolutely terrible experience with AIG Travel Guard. I had to cancel an Italy trip due to a sudden needed surgery. Although they promised a 10-15 day turnaround of my claim, it ended up being 5 months of constant delays, apologies for delays, and requesting both new information and information that had been provided in some instances several times previously. My state's rider required my claim to be decided within 30 days. I filed all required documentation the week of my surgery in October 2022. It was only when I filed complaints with my state's Commissioner of Insurance, Consumer Affairs and the Better Business Bureau in March of 2023 that suddenly my claim was paid in 2... Read More


A
Ann K
3/17/2023
This company is awful. Have never heard from my adjuster. Received email stating my claim was approved, processed and check printed. Because of this I rebooted this expensive trip and bought another TG policy. 3 days later they changed their mind and want to review further. This Bad Faith and I would never recommend them to anyone. Asked to speak with a manager and was informed they don't have managers. Just another lie.


B
Bryan C
12/10/2022
When Covid-19 hit in early 2020, I had to cancel my trip to South America. I had Travel Guard insurance, and even though border closings and cities closing down to travelers was headline news, Travel Guard required that I provide proof of the closings in South America as well as all the other trip documents linked to the trip. It then took the company 6 months to reimburse me. Recently it denied compensation for Covid-19 that I caught and had to cancel a flight for. They said it was a pre-existing condition even though I was asymptomatic.


wendyknowles819
12/5/2022
Got stuck in London for 10 days, had Travel Guard policy. Filed claim October 25, 2022, supposed to hear back within 10-15 days. Called December 1st, lady said someone was looking at it and I'll hear back shortly. Looked online 12/03 and claim says "closed." I called today 12/05/2022 and they said their system is down and they can't access any claims info. 3 different adjustors have been on the claim since 10/25, I haven't heard a word from anybody and now it's closed? WTF? Scam likely!



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