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AIG Travel Guard Travel Insurance Review


ConsumersAdvocate.org Rating: 4 / 5 (Very good)
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

4.0/5
Coverage
4.3/5
Extra Benefits
3.8/5
Financial Strength
3.8/5
Price & Reputation

Overall Rating: 4 / 5 (Very good)

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

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 - 3.8 / 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 - 3.8 / 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 - 4.3 / 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
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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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A T
3/25/2020
We purchased AIG/Travel Guard travel insurance through Expedia for our hotel rooms in Vancouver for June 2020. We had to cancel our cruise, flights, and hotel rooms in January because of my immune system and the Covid 19 scare. We received our cruise money back from Holland America, our flight refund from Allianz but are still waiting on AIG/TravelGuard. I don't know where these reviews are coming from, but when I check AIG/Travel Guard on line, they have a 1 1/2 star rating out of five and I can see why. I have send documentation now for over 2 months and when I check to see where my refund is, all I get is "UNDER REVIEW". Please NEVER use AIG/Travel Guard.


missuslowe
3/11/2020
We booked a trip to France and leaving Italy for early May. And bought the Travel Guard trip insurance. On February 28th, there was a travel ban issued in Italy. We submitted a claim that day saying we cannot travel there due to Coronavirus outbreak/ travel ban. We received an email yesterday saying that a viral outbreak in the country your flying to is not cause to refund your tickets. Excuse me? Then you travel there. Total waste of money and scam. DO NOT WASTE YOUR MONEY! Airlines will work with you to reschedule! Shame on you AIG and Travelguard!


Chris W
2/13/2020
Frankly, the travel insurance policy is entirely fraudulent. My flight was cancelled by my airliner, and Travel Guard refused to cover my ~$300 of incurred expenses. They claimed that my expenses were not covered under my plan. My plan was literally called FLIGHT CANCELLATION plan, and Travel Guard said that it did not cover the expenses from my flight being cancelled. With something as unbelievable as this, I will actively go out of my way to ensure that none of my friends, colleagues, acquaintances ever purchase Travel Guard.


Grant K
1/8/2020
I purchased AIG/Travel Guard travel insurance in Dec/2019 for a flight I was taking in late Jan/2020. I had to cancel my trip because of complications arising from my dads death last year. I cancelled my flight and was told there would be a penalty of $200 with the airline but that my flight insurance would cover the cost. I phoned AIG/Travel Guard insurance and they said I would have to file a claim with them. I looked at the claim and they wanted my dads death certificate and social insurance number. Why the heck do they need that stuff? I spoke to a lawyer about this and he stated that I didn't have to give that info to some unknown insurance firm. I called AIG/Travel Guard back, told... Read More


L
Lucy R
7/24/2019
Offer a lot of service yet backpedal when a simple claim is made. I wanted to cancel the trip 1.5 months in advance.....wan on the end of the rattled off multiple forms for a mere cancellation. Not helpful and she seemed bothered from the moment she spoke


B
Brenda B
6/4/2019
In March 2015, my 96 yr old dad ended up in the hospital the day before my trip to the Holy Land, so I obviously canceled on the last day. Travel Guard was awesome so I used them for two trips after that!


M
Melissa H
5/20/2019
Attempts to file a claim for trip cancellation policy is a nightmare. Inconsistent information given every step of the way which appears to be an obvious attempt to avoid paying a valid HONEST claim. This company should be reported as a scam for those purchasing this type of insurance.


R
Robert k
1/29/2019
This is my first time getting a travel insurance but this has been the very bad experience for me and my family. we got into car accident on our trip but Travel guard does not want to refund our funds we paid for all the treatment we got , yet I was told that we can pay for everything out of pocket then we submit everything refund will be processed. I will never recommend this insurance to any please stay away from this company(Travel Guard insurance). Am forced to get a lawyer although thought this was going to be processed the way I was promised once I get back to the USA.


John T
11/30/2018
On the middle of a transatlantic cruise in the middle of the Atlantic Ocean, my wife suddenly became ill. It’s a worst case scenario, 1000s of miles from the nearest port and only option is a clinic on the ship. She was rushed to the ships doctor and they took vitals and did lab tests. In the meantime, I used the ship-to-shore radio to call AIG very early in the morning. The first person took my information and placed me on hold to speak to a specialist. Because it costs $5 a minute, I hung up after a couple of minutes. I figured it would be better to contact them later when it wasn’t insanely expensive to call. AIG reached out to me immediately with multiple emails... Read More



Our Partner
  • Medical, cancellation, and baggage coverage
  • Travel concierge services with premium plans
  • Emergency evacuation and medical repatriation
  • Offers cancellation coverage due to terrorism and natural disasters