AIG Travel Insurance: The Complete Guide

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

travel guard missed connection

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 Coverage Review – Is It Worth It?

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

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.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

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

AIG Travel Guard homepage

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 CFAR

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.

AIG Comparison

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.

Squaremouth travel insurance

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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Missed Connection Coverage

Airline compensation for missed connections is extremely limited. This is why you need missed connection coverage for your trips.

Missed Connection Coverage

This travel insurance coverage provides reimbursement for flight change fees or additional transportation costs required to meet a cruise or tour in the event of a missed flight connection due to accident or bad weather.

Let us tell you a story

Brenda’s art and wine tour across Italy was a complete success. As she boarded her first flight home, she kept thinking of the gorgeous landscapes she saw on canvases and from her balcony.

The first leg of Brenda’s return trip was delayed for several hours due to mechanical problems, and her connection in the States was on a different airline. Brenda had originally scheduled plenty of time for the connection, but that time was rapidly eroded by the delay in Rome. Brenda’s trip insurance included missed connection coverage, so she wouldn’t be stranded when she got to the States. She called the assistance line before leaving Rome and when she landed in the States, they had negotiated a new flight to finish her trip home and would be sending her reimbursement for the additional flight charges.

What the airlines owe you when a Missed Connection occurs

Airline compensation for missed connections is extremely limited, which illustrates the important of Missed Connection coverage and travel insurance:

  • If you miss a connection because of mechanical problems, flight delays, or something within the airline’s control, or alternatively due to inclement weather, the carrier should re-book you on the next available flight. Should that flight land a day or more later, the carrier may provide accommodations or meal vouchers, but it’s completely voluntary.
  • If the bump results in a short delay (1-2 hours for domestic flights) before you arrive at your destination, you receive double the price of your ticket up to $650.
  • If the the bump results in a longer delay (over 2 hours for domestic flights), they owe you cash compensation of four times the value of your ticket up to $1,300.
  • There are no Department of Transportation (DOT) rules covering missed connections that involve multiple carriers. Their responsibility ends with the portion of the trip you purchased from them. This means the first carrier isn’t required to help you make your connection with the next carrier.

Of course, if you are meeting a tour or cruise departure time, having the airlines give you a refund or re-book your flight may not be enough to help you meet the next leg of your trip on time.

What does Missed Connection cover?

This coverage provides reimbursement for unused pre-paid expenses and reasonable additional expenses, including meals, transportation, and accommodation, when you miss a connecting flight or cruise departure due to one of the following covered reasons:

  • You are delayed due to a traffic accident that occurs en route to your point of departure on the scheduled departure day.
  • You are delayed on one flight, causing you to miss your connection on another carrier.
  • Severe weather cancels a flight or delays it a minimum number of hours causing you to miss your cruise or tour departure.

It’s important to note that this coverage does not cover travelers in all situations. If you oversleep and miss your return flight home, for example, missed connection coverage won’t provide reimbursement.

Important notes about this coverage

  • You must allow enough time in your planned itinerary to reach the flight or cruise/tour departure in time.
  • Any refunds you receive from travel suppliers will be deducted from your claim.
  • Benefits due to this coverage cannot duplicate the benefits provided by travel delay coverage .
  • Benefits for missed connection coverage are paid on a one-time basis up to the maximum benefit amount defined in the policy.

What type of policy covers this?

Package travel insurance plans often provide this type of coverage, as well as airline trip protection plans. Travel medical plans don’t provide coverage for missed connections.

  • Airline compensation for missed connections is extremely limited
  • There are no rules governing passenger treatment when a missed connection involves more than one carrier
  • Package plans and some ticket protection plans provide this type of coverage
  • Any compensation received from the airline will be deducted from this benefit if a claim is made

Damian Tysdal

DamianTysdal

Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.

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AIG Travel Guard Insurance Review 2024

Our experts answer readers' insurance questions and write unbiased product reviews ( here's how we assess insurance products ). In some cases, we receive a commission from our partners ; however, our opinions are our own.

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. Depending on the plan you pick, your premium may be a bit higher than what you'll pay with some competitors, but it's still in line with the industry average.

AIG 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: Types of Policies Offered

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.

In addition to these three primary plans, Travel Guard offers the Pack N' Go policy along with an Annual plan.

AIG Travel Guard Pack N' Go 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

Note: The Annual plan is not available in Kansas, Montana, and New York

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. CFAR coverage will reimburse (up to a predetermined amount) expenses not otherwise covered under your policy if you cancel your trip for any reason, up to 48 hours before your scheduled departure.  
  • 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.

AIG Travel Guard FAQs

Yes. Travel Guard is the name used for AIG's travel insurance products. AIG's Travel Guard policies offer various coverage options designed to meet each traveler's specific needs.

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

Travel Guard  offers three main policies: Travel Guard Essential, Travel Guard Preferred, and Travel Guard Deluxe. It also offers an Annual plan and a Grab 'N Go plan for those who take multiple trips per year or are planning a last-minute trip, respectively. 

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.

Getting a quote from 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 an 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.

The below is an example of the costs for a 30-year-old Florida resident traveling by plane to Australia for a week in January 2023. The trip cost is set to $8,000. 

As you can see, the price ranges from around $229 to $417 depending on the level of coverage you choose.

This next example shows the costs for the three different Travel Guard plans for a 40-year-old California resident traveling by plane to Mexico for a week in December 2022. The trip cost is set to $6,000. 

As you can see, the price ranges from around $348 to $444 depending on the level of coverage you choose.

And in this last example, we looked for coverage for a 50-year-old resident of New York traveling by plane to France for a week in May 2023, with a trip cost of $10,000. 

The price for coverage in this example ranges from about $497 to $664, with the Essential plan being the least expensive and Deluxe being the priciest. Of course, the higher-tier plans will provide higher coverage limits. 

As you can see, the cost of coverage goes up as the age of the insured goes up. That said, these quotes align with industry averages when it comes to the percentage of the total trip cost you'll pay for travel insurance coverage. In general, regardless of which insurance provider you go with, you can expect to pay between 4% and 8% of your total trip cost.

How to File A Claim with AIG Travel Guard

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.

Nationwide Travel Insurance Review

AIG Travel Guard vs. Allianz Travel Insurance

With Allianz , 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.

Again, a variety of factors will determine the final cost of any of these travel insurance policies. So it's best to compare quotes using your specific personal and trip details to determine which policy is the best for you.

Allianz Travel Insurance Review

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 a card you have. 

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.

Best Credit Cards with Travel Insurance

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

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.

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.

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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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Travel Guard Travel Insurance Review 2024

Updated: Jan 8, 2024, 1:41pm

Travel Guard travel insurance offers unlimited emergency medical coverage for travellers under age 54, and a still-generous $10 million for those 55 and up. There’s also a number of add-ons for certain plans if you’re a business traveller, taking a golf or ski vacation, or flying to a destination wedding. And if you’re worried about having to cancel, the Cancel For Any Reason upgrade gives peace of mind. But there are downsides. The mail-in claims process is clunky, and the upgrades aren’t available for all plans. Plus Travel Guard travel insurance isn’t currently offered in Quebec. Still, Travel Guard offers comprehensive coverage for a competitive price.

  • Unlimited medical coverage under age 54
  • Several benefit add-ons
  • Pre-existing medical condition exclusion waiver
  • CFAR coverage option
  • Not available for Quebec residents
  • Medical questionnaire required at age 56
  • Clunky claims process
  • Maximum age is 85

Travel Guard Travel Insurance Review

Table of Contents

About travel guard travel insurance, what travel insurance does travel guard offer, travel guard travel insurance plans, summary: plan comparison, travel guard travel insurance cost, comparing travel guard travel insurance with other insurers, optional add-ons for travel guard travel insurance, does travel guard travel insurance offer any discounts, does travel guard offer annual multi-trip plans, travel guard 24/7 travel assistance, does travel guard travel insurance have cancel for any reason (cfar), does travel guard travel insurance have interruption for any reason (ifar), travel guard travel insurance and pre-existing medical conditions, travel guard travel insurance exclusions, travel guard travel insurance eligibility, how to file a claim with travel guard travel insurance.

AIG Travel, Inc., a member of American International Group, Inc., is a worldwide leader in travel insurance and global assistance. Travel Guard is the marketing name for AIG’s portfolio of travel insurance and related services for both leisure and business travellers. Medical and security services are provided through a network of wholly-owned assistance centres located in Asia, Europe and the Americas.

Travel Guard Travel Insurance is underwritten by Toronto-based AIG Insurance Company of Canada.

Travel Guard Travel Insurance is currently not available for Quebec residents.

Here are the key types of travel insurance coverage offered in Travel Guard Travel Insurance plans:

  • Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work, as well as medical evacuations, repatriation and arranging for a bedside companion if you are hospitalized.
  • Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions cause a massive delay or you lose your job, trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
  • Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and reimburse money that you lose by cutting a trip short due to a covered reason, including non-refundable activities and hotel stays. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, such as six, 10 or 12 hours.
  • Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over. It also extends to your personal belongings, if they are lost, damaged or stolen.
  • Travel accident insurance:  This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while in transit during your trip.

Travel Guard Travel Insurance offers four plans for travelling outside of Canada.

Platinum All Inclusive Package: This is the most comprehensive plan offered by Travel Guard with unlimited emergency medical insurance for travellers under age 59, and $10 million in coverage for travellers 60 and up. It includes coverage for unforeseen medical emergencies, trip cancellation and interruption, flight and travel accident coverage, and baggage loss, damage and delay insurance.

Eligible emergency medical expenses include:

  • Care received from a physician in or out of hospital
  • A hospital room
  • Rental or purchase of a hospital bed
  • Medical appliances including a wheelchair, brace or crutches
  • Diagnostic tests
  • Prescription medication
  • Private duty nursing
  • One follow-up visit for your emergency
  • Ground ambulance transportation
  • Emergency evacuation and repatriation
  • Dental treatment due to a blow to the face, up to $1,500
  • Dental treatment due to other causes, up to $600
  • Paramedical services, such as treatment from a physiotherapist, chiropractor, chiropodist, podiatrist or osteopath, up to $300 per profession

Medical benefits also include coverage to bring someone to your bedside, expenses for meals, hotel accommodations and associated expenses if you are hospitalized and/or if a medical delay prevents you from returning home, repatriation expenses and return of your remains if you die.

The Platinum All Inclusive Package offers two optional add-ons: Cancel For Any Reason (CFAR) and Cruise and Tour Protector coverage.

The Platinum All Inclusive Package is for travellers age 74 and younger.

Gold Emergency Medical Plan: If you’re only worried about medical emergencies while travelling, this benefit offers all of the medical coverage listed above. The Gold Emergency Medical Plan offers unlimited medical coverage for travellers aged 54 and under, and $10 million in coverage for travellers 55 and older.

Silver Deluxe Trip Cancellation & Interruption Package: This coverage option reimburses you for insured non-refundable travel expenses (such as hotels or prepaid excursions) if you have to cancel, interrupt, or delay your trip due to a covered reason. This benefit also includes baggage loss, damage and delay coverage, flight and travel accident coverage, and provides a specific benefit for a missed connection.

The Silver Deluxe Trip Cancellation/Interruption Package includes six optional add-ons: Cruise and Tour Protector, Expanded Benefits Upgrade, Golf Protector Coverage, Ski Protector Coverage, Business Protector Coverage and Collision Damage Waiver Coverage.

Gold Deluxe Trip Cancellation & Interruption Package: This coverage option offers the same benefits as the Silver package but some have higher payouts.

The Gold Deluxe Trip Cancellation/Interruption Package includes one optional add-on: Cruise and Tour Protector. There is also a Change of Mind benefit that reimburses your cancellation penalties up to $400 if you cancel a trip because you changed your mind, provided your trip has been paid in full.

We’ve highlighted the key benefits of Travel Guard Travel Insurance for the four single trip plans to help you identify which coverage is the best fit for you.

The price of a Travel Guard Travel Insurance plan depends on factors such as the cost of your trip, your age, your answers to a medical questionnaire, if required, and the amount of coverage you choose.

Here are some examples of the cost for Travel Guard Travel Insurance single trip plans for healthy travellers based in Ontario:

TravelSafe Travel Insurance Review

Emergency medical: $1 million Cancel For Any Reason: Yes, 75% Baggage insurance (maximum): $2,000

Related: TravelSafe Travel Insurance Review

CAA Travel Insurance

Emergency medical: $5 million Cancel For Any Reason: Yes, 50% to 75% Baggage insurance (maximum): $1,500

Related: CAA Travel Insurance Review

TuGo Travel Insurance

Emergency medical: $10 million Cancel For Any Reason: Yes, 50% Baggage insurance (maximum): $500

Related: TuGo Travel Insurance Review

Travel Guard offers several optional add-ons for its travel insurance.

The following six add-ons are available with the Silver Deluxe Trip Cancellation & Interruption Package :

  • Business Protector coverage
  • Cruise and Tour Protector
  • Expanded Benefits Upgrade
  • Golf Protector coverage
  • Ski Protector coverage
  • Collision Damage Waiver coverage

Business Protector coverage: This upgrade offers the following added benefits if you are travelling for business and need to make a claim under these scenarios:

Cruise and Tour Protector: If your pre-booked cruise is cancelled or if the dates are changed by the cruise company or tour operator, you are eligible for the following benefits:

Expanded Benefits Upgrade: This upgrade offers the following increased benefits and added benefits under these scenarios:

  • Wedding coverage: If the primary reason for your trip is to attend a wedding and the wedding is cancelled due to the death or hospitalization of the bride, groom and/or parents of the bride or groom
  • Wedding, sporting event or conference arrival delay: If the primary reason for your trip is to attend a wedding, sporting event or conference and your arrival is delayed for a reason beyond your control.
  • Entertainment benefit: If you are delayed beyond your scheduled return date, the entertainment benefit pays for a ticketed event, such as a movie, live production or sporting event.
  • Same-class ticket benefit: If you travelled on business or first class and you are later eligible for a flight replacement under your trip cancellation. Interruption or delay coverage, this benefit upgrades your economy-class ticket to your same-class ticket.
  • Meals & accommodation benefit increase: Your meals and accommodation benefits for trip interruption and trip delay are increased.
  • Baggage delay benefit increase: Your baggage delay benefit is increased from $400 to $750.
  • Hurricane coverage: Your trip cancellation, interruption and delay coverage will now cover hurricanes.

Golf Protector coverage: This upgrade offers the following added benefits if you are playing golf on your trip and need to make a claim under these scenarios:

Ski Protector coverage: This upgrade offers the following added benefits if you are skiing or snowboarding on your trip and need to make a claim under these scenarios:

Collision Damage Waiver coverage: The benefit offers $50,000 in coverage if you need to make a claim due to physical loss or damage to a rental car during your trip.

If you purchase the Platinum All Inclusive Package , you can purchase the following add-ons:

  • Cancel For Any Reason coverage
  • Cruise and Tour Protector coverage

If you purchase the Gold Deluxe Trip Cancellation & Interruption Package , you can purchase the following add-on:

There are no add-ons with the Gold Emergency Medical Plan .

Using the example of the couple travelling to Mexico, here is the cost of the optional add-ons when selecting the Silver Deluxe Trip Cancellation & Trip Interruption Package with a base premium of $134:

Yes. You can buy multi-trip annual insurance if you travel more than once a year for multiple individual trips. Travel Guard offers nine, 16, 30 and and 60-day annual plans for emergency medical coverage.

Here’s how the cost compares for a single-trip emergency medical plan and the four multi-trip annual plans:

Worldwide emergency travel assistance is available 24/7 by calling the LiveTravel hotline.

When you have a travel medical emergency, the following support may be available:

  • Health care facility location
  • Assistance finding a doctor who speaks your preferred language
  • Translation assistance
  • Prescription refill assistance
  • Coordinating medically necessary return travel arrangements
  • Emergency medical evacuation
  • Medical monitoring
  • Medical equipment rental/replacement

Depending on your coverage, worldwide travel assistance services include:

  • Lost baggage search and stolen luggage replacement assistance
  • Lost passport and travel documents assistance
  • ATM locator
  • Emergency cash transfer
  • Travel information, including visa and passport requirements
  • Emergency telephone interpretation services
  • Urgent message relay to family, friends or business associates
  • Up-to-the-minute travel delay reports
  • Assistance with obtaining long-distance calling cards for worldwide telephoning
  • Inoculation information
  • Embassy or consulate information
  • Currency conversion or purchase assistance
  • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures
  • Up-to-the-minute travel supplier strike information
  • Legal referrals/bail bond assistance
  • Worldwide public holiday information
  • Flight rebooking assistance
  • Hotel rebooking assistance
  • Rental vehicle booking assistance
  • Coordinate emergency return travel arrangements
  • Roadside assistance
  • Rental vehicle return assistance
  • Guaranteed hotel check in
  • Missed connection coordination

Personal security assistance includes:

  • Arrange emergency and security evacuations
  • Coordinate consultants to extract client to safety
  • 24/7 access to security and safety advisories, global risk analysis and consultation specialists
  • Immediate security intelligence on events occurring throughout the world
  • Collaboration with law enforcement

The Gold and Silver Deluxe Trip Cancellation & Interruption Packages also offers the following Concierge Services:

  • Assistance with restaurant reservations
  • Ground transportation arrangements
  • Event ticketing arrangements
  • Tee times and course referrals
  • Floral services
  • Local activity recommendations

You must contact the Assistance Centre before receiving medical treatment or you may have to pay 30% of the eligible medical expenses. If you are unable to call, you must get someone to call on your behalf.

Yes. Travel Guard offers Cancel For Any Reason coverage as an optional add-on with the Platinum All Inclusive Package. If you are prevented from taking your trip for any reason not otherwise covered by the trip plan, Travel Guard will reimburse you for up to 75% of your prepaid, forfeited and non-refundable payments or deposits.

This add-on must be purchased at the same time the base plan is purchased, and within 15 days of the initial trip payment. Any additional payments must also be insured under this coverage within 15 days. To be eligible for coverage, you need to cancel your trip 48 hours or more prior to your departure date.

In general, a pre-existing condition is defined as any sickness, injury or medical condition that existed before the start of your coverage, whether or not diagnosed by a physician, that you showed signs or symptoms of or received medical attention for.

With a Travel Guard travel insurance plan, any pre-existing conditions must be stable and controlled for 90 days before the start of your policy to be eligible for coverage. In additional, Travel Guard will not cover any losses if you:

  • Have been required to use, take or been prescribed nitroglycerin in any form more than once during a seven-day period for a heart condition
  • Require the use of home oxygen or had to take oral steroids, such as prednisone or prednisolone, for a lung condition

According to Travel Guard, a medical condition is considered stable and controlled when there has been:

  • No new treatment, new medical management or newly-prescribed medication
  • No change in treatment, change in medical management, or newly prescribed medication
  • No new, more frequent or more severe symptom or finding
  • No test results showing deterioration
  • No investigations or future investigations initiated or recommended for symptoms whether or not your diagnosis has been determined
  • No hospitalization or referral to a specialist (made or recommended)

Travel Guard offers a Pre-existing Medical Condition Exclusion Waiver whereby the company will waive any pre-existing medical condition exclusions if:

  • The policy is purchased within 15 days of making the initial trip payment
  • Any additional payments or deposits are insured within 15 days of purchase
  • You (the insured) are medically able to travel when you pay your premium

In addition to pre-existing condition exclusions, there are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim. The following are general exclusions to coverages provided by Travel Guard travel insurance:

  • Expenses from any sickness or injury present before you bought your policy that you would expect to need medical treatment or hospitalization during your trip
  • Expenses incurred once the medical emergency ends
  • Non-emergency or prescription medication, including vaccinations, medication for the maintenance of a medical condition, vitamins, physical exams or routine tests
  • Organ or bone marrow transplants, or surgery for artificial joints or prosthetic devices or implants
  • Expenses for acupuncture or holistic treatment
  • Ionizing radiation or radioactive contamination
  • Eligible expenses that were not pre-approved
  • Any medical condition if if was determined you could return home but you chose not to travel
  • Expenses for any services prohibited by your provincial or territorial health insurance plan
  • Routine prenatal care, a child born during your trip, childbirth or associated complications, pregnancy or associated complications after 26 weeks or any time after the expected date of delivery
  • Your mental or emotional disorders
  • Suicide or attempted suicide or intentional self-inflicted injury
  • Any alcohol-related sickness, injury or death, or the abuse of medication, drugs, alcohol or other toxic substance
  • A trip taken against your physician’s orders not to travel
  • Your commission of, or attempt to commit, a crime
  • Your participation in rock or mountain climbing, hang-gliding, parachuting, bungee jumping, skydiving, ski jumping, ski flying, heli-skiing, ski acrobatics, ski stunting, freestyle skiing, ski racing, ski bob racing, on-piste and off-piste skiing in areas designated as unsafe
  • Your participation as a professional athlete in a sporting event
  • Your participation in a motorized race or motorized speed contest
  • Operating or learning to operate any aircraft, performing employment duties on any aircraft or ship, performing duties in any regular armed force services
  • Travel to any country where there is an active travel advisory not to travel before your departure date
  • War, acts of foreign enemies or rebellion
  • Expenses relating to travel in, to or through Cuba, Iran, Syria, Sudan, North Korea or the Crimea region

There may be additional exclusions specifically for medical, trip cancellation/interruption/delay and baggage coverage.

To be eligible for Travel Guard Travel Insurance you must:

  • Be a Canadian resident
  • Have purchased your policy prior to your departure date
  • Have purchased your policy less than 18 months prior to your departure date
  • Have purchased your policy for the full duration of your trip
  • Have purchased your policy for the full value of your non-refundable, prepaid travel arrangements
  • Be insured under your provincial or territorial insurance plan (or your emergency medical benefits will max out at $10,000)
  • Be less than 75 years old
  • Be travelling for less than 183 days if you are less than 60 years old
  • Be travelling for less than 60 days if you are between 60 and 75 years old

In addition, the following makes you ineligible for Travel Guard Travel Insurance:

  • A licensed physician has diagnosed you with a terminal condition.
  • You have undergone a bone marrow transplant or an organ transplant (except for a corneal transplant) that requires the use of anti-rejection/immune suppression drugs.
  • You require dialysis of any type for kidney disease.
  • If you are under the age of 75 and in the last 12 months you have been prescribed or utilized home oxygen therapy at any time.

You can file a claim by contacting Travel Guard by telephone at the numbers listed on the website depending on the province or territory you are calling from.

The insurer will provide the forms for your claim within 15 days of you initiating the claim. However, if you haven’t received the required forms during that time, you can submit your proof of claim in the form of a written statement outlining the cause or nature of the accident, sickness or disability that caused the claim.

If you are making an emergency medical claim, you must provide original receipts for incurred expenses, including those for subsistence allowance expenses.

For a trip cancellation/trip interruption/trip delay claim, you may be asked to provide:

  • Proof of all non-refundable, prepaid deposits or payments
  • Completed documentation if a medical condition was the cause of the cancellation
  • Complete unused transportation tickets and vouchers
  • Original receipts for subsistence allowance expenses
  • Original receipts for new tickets
  • Reports from police or local authorities documenting the missed connection or travel delay
  • Invoices and original receipts from travel service providers

If you are making a baggage insurance and personal effects claim, you may need to provide:

  • A letter of coverage or denial from the transportation carrier
  • A written report regarding the loss or damage
  • Original receipts or sales slips for all lost and stolen items over $149.99 per item claimed and proof that you owned the articles
  • Original receipts and sales slips for all items claimed under baggage and personal effects coverage

If you are making a Rental Car Collision Damage Protection Benefit claim, you may be asked to provide:

  • Your car rental invoice
  • Your rental agreement with the record of the damages that existed when you picked up the car
  • The police report and rental car agency report including estimate of repair costs

You must file your claim with us within 30 days of the loss or damage in the case of a claim under Rental Car Protector Coverage.

Travel Guard Travel Insurance FAQs

Does travel guard travel insurance pay for medical costs upfront.

According to the company, benefits for emergency medical expenses, emergency evacuation and repatriation of remains services may be payable directly to the provider of the services, however the provider, “must comply with the statutory provision for direct payment and may not have been paid from any other sources.” The insurer adds it will “make every effort, though we cannot guarantee, to pay providers directly.”

Does Travel Guard Travel Insurance offer coverage extensions?

Yes. Your coverage is automatically extended for up to 72 hours if your return home is delayed due to a transportation issue. If you or your travelling companion are hospitalized, your coverage is extended for the period of hospitalization, plus up to 120 hours after discharge. If you or your travelling companion are too sick to travel on your return date but do not require hospitalization, your coverage is automatically extended for up to 120 hours after your planned return date.

If you want to stay longer on your trip, you can extend your coverage if you apply and pay the premium before your original return date as long as you have not made a claim and there is no reason to make a claim.

Does Travel Guard Travel Insurance require a medical questionnaire?

Yes. Travellers over age 55 are required to complete a medical questionnaire to determine your eligibility and rate category.

Does Travel Guard Travel Insurance have any age restrictions?

Yes. You must be a minimum of 15 days old and no more than 85 years old.

When does my coverage with Travel Guard Travel Insurance begin?

In general, if you purchase cancellation coverage, it begins the day you buy your policy and ends the day you make a claim or leave on your trip. Your medical and interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Does Travel Guard Travel Insurance offer a free look period?

Yes. Travel Guard offers a 10-day Right to Examine period during which you can review your policy and cancel if you’re not satisfied with it.

Can I get a refund with Travel Guard Travel Insurance?

You can request a refund for the all-inclusive plan up to the departure date as long as you have not made a claim against the policy. A refund will also be issued if your travel supplier cancels or changes your trip and all your insured trips costs are refunded without penalty.

With an emergency medical plan, you can request a refund if you have a minimum of four unused days of coverage.

No refund will be issued if you have initiated, reported or made a claim against your policy.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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  • ALL MOSCOW TOURS
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  • Things To Do In Moscow
  • Sheremetyevo Airport
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  • Airports Transfer
  • Layover in Moscow
  • Best Moscow Hotels
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  • Art in Moscow
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  • Moscow Maps & Traffic
  • Facts about Moscow – City Factsheet
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travel guard missed connection

Transfer between Moscow airports

There are four airports in Moscow: Sheremetyevo, Domodedovo, Vnukovo and Zhukovsky. They are located in four different and distanced ends of the city. The airports are distanced not only from each other but from the city center as well. Therefore, the problem of getting quick and cheap transport to travel between airports is predominant. You should know two main means of transport to get from one airport to another or to the city center.

If your transfer in Moscow is between two airports, you should obtain Russian visa .

Transfer during the day (2 to 3 hours)

Aeroexpress train in Sheremetyevo

Three of four airports (Sheremetyevo, Domodedovo and Vnukovo) are connected to the city centre with Aeroexpress trains. Travel time to rail terminals is from 35 to 55 minutes. Both Aeroexpress and Moscow Metro work from 05:30 AM to 01:00 AM. Free Wi-Fi is available both inside the Aeroexpress train and in the Metro. To travel between Aeroexpress terminals you need to choose circle line (brown). All three terminals are connected with that line. Journey takes about 15 minutes.

You may also want to use a taxi between Aeroexpress terminals. All three Rail Terminals situated in the city center and the Garden Ring road ties them together, so traveling between most often should take no more than 20 minutes.

Transfer at night (1 hour)

Mostaxi car

Driving between airports takes nearly 1 hour at night. You may ask the driver to go through the city centre. The journey will take a little longer, but it’s a worth thing since Moscow looks stunning at night.

Taxi between airports costs about 2300 rub. (€31.53). If you finally decided to take a taxi, you should avoid touts operating in front of every arrival terminal. Better book or even prebook a car from the official taxi company listed here . Free Wi-Fi in alsmost every official taxi car.

Moscow Airports and Aeroexpress Terminals Locations

Please note that euro prices next to rouble ones in our guide are always based on today's rates.

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How Safe Is Moscow for Travel?

Moscow, Russia

On Feb. 24, 2022, Russia invaded its neighbor country Ukraine, starting a war between these two countries.

This act of invasion caused many Ukrainians to flee their country and seek shelter in places like Poland, Hungary, Slovakia, etc…

At this time, we recommend no travel to Russia or Ukraine, or any neighboring countries for your own safety.

Russia : Safety by City

  • Nizhny Novgorod
  • Novosibirsk
  • Saint Petersburg
  • Yekaterinburg

Moscow, the capital of Russia, is a political, scientific, historical, architectural and business center of this huge country.

It’s one of the most visited places in Russia, and for good reason.

The best-known parts of Russia are concentrated precisely in the urban areas and cities like Moscow and Saint Petersburg.

Moscow’s history attracts the most tourists, as they are fascinated by it is a surreal and sometimes brutal but nevertheless thrilling and jaw-dropping national story.

In this city, visited by 17 million tourists annually, the history, told in its numerous museums, some of which are the world’s greatest, interacts with modernity.

For example, in the Garden of Fallen Monuments (Fallen Monument Park), you can see entire clusters of modern art contrasting with the very non-conceptual Communist monuments.

  • Warnings & Dangers in Moscow

OVERALL RISK: MEDIUM

Generally speaking, Moscow today is safe as much as other cities in Europe, despite its problematic history with criminal activity in the 90s. However, if you’re planning on traveling to Moscow, keep in mind that you should always keep your guard up and remain aware of your surroundings, just in case.

TRANSPORT & TAXIS RISK: LOW

Generally speaking, transportation in Moscow is safe, but you should bear in mind that kidnappings have been known to happen, mostly in unlicensed taxis, so be careful when hailing one on the streets. Keep in mind that the most dangerous areas where small crime tends to occur are the underground walkways, called “perekhods”. Only use official services like Yandex Taxi, Uber or Gett taxi.

PICKPOCKETS RISK: HIGH

Pickpocketing is very common in Moscow, and surprisingly it is mostly performed by groups of children. Pay attention to your belongings, don’t leave them in plain sight and be especially careful in crowded places like stations or near tourist attractions.

NATURAL DISASTERS RISK: LOW

Moscow isn’t particularly susceptible to natural disasters. Some blizzards and snowstorms are possible during winter which can affect the traffic and delay your flights. During winter, be prepared to face the below-freezing temperatures.

MUGGING RISK: MEDIUM

The situation improved drastically when it comes to kidnappings and muggings. Generally, never accept free drinks or food when you’re in a club or a bar. Drink spiking and then attacking and robbing the victim have been reported on numerous occasions.

TERRORISM RISK: HIGH

After the recent terrorist attack in the subway in St. Petersburg the probability of this situation happening again in Moscow is very high.

SCAMS RISK: HIGH

There are many scams in Moscow, usually performed by children trying to distract you and then steal some money from you. Never talk to strange kids on the street. Also, you should avoid playing street gambling games.

WOMEN TRAVELERS RISK: LOW

Women are generally safe in Moscow, though you should avoid finding yourself alone in clubs or bars, and of course, apply all normal precaution measures like avoiding remote and poorly lit streets and areas.

  • So... How Safe Is Moscow Really?

Moscow experienced a rise when it came to crime rates during the 1990s.

Violent crime, as well as petty crime and scams,  had increased, but the biggest part of the violence was within the criminal groups themselves, and it didn’t affect foreigners that much.

However, it decreased since the 90s, so right now, for tourists, Moscow isn’t more dangerous than any other European city, it’s even less so.

The crime rate in Moscow is fairly lower than one in New York, London or Paris, so you should feel safe here.

Also, you can count on the officials to be uncorrupted – don’t ever try to bribe them: you will be charged with bribery.

Bear in mind that if you are a member of the LGBT community, there is no reason to avoid Moscow altogether but you should refrain from any public displays of affection.

As of June 2013, “homosexual propaganda to minors” is prohibited, which means that any discussion of gay rights or homosexuality issues in the presence of minors is punishable by law.

While you walk around Moscow, you might encounter police officials that may demand to see your papers to check if you have been registered within 7 business days of your arrival into Moscow.

You shouldn’t have any problems with this, because if you stay in a hotel then you are automatically registered and will be handed a confirmation paper.

  • How Does Moscow Compare?
  • Useful Information

Most countries do need a visa to enter Russia, and if you’re a U.S. citizen you must possess both a valid U.S. passport and a bona fide visa issued by a Russian Embassy or Consulate. None of the nationals that do need a visa can acquire one upon arrival, so make sure you apply for your visa in advance. If you are not sure about your visa status, visit www.doyouneedvisa.com which will let you know whether or not you need visa based on your nationality and the country you want to visit.

The Russian ruble is the official currency in Moscow. ATMs are widespread throughout the country and credit cards are accepted everywhere.

Moscow has a highly continental influenced climate characterized by warm to hot and dry summers and extremely cold, freezing winters with temperatures as low as -30°C – sometimes even lower, with heavy snowfall.

Sheremetyevo International Airport is the Russian busiest international airport. It is located in Molzhaninovsky District, Northern Administrative Okrug, in Moscow, about 29 km northwest of central Moscow.

Travel Insurance

Just like anywhere else, we advise getting travel insurance when traveling to Moscow, because it would cover not only medical problems but also theft and loss of valuables.

Moscow Weather Averages (Temperatures)

  • Average High/Low Temperature

Russia - Safety by City

  • Where to Next?

Russia

9 Reviews on Moscow

That's just not true.

The person who wrote the text obviously have never been in Moscow and in Russia at all. This is ridiculous. Even about pickpocketing, the risk at most is medium, mugging is zero in historical places but is pretty high in sleeping quarters

Your rating is only two stars for safety though? So I am confused. Are you rating the article to be in poor taste?

I went to Moscow in 2021. I enjoyed the trip. I felt there were “unsafe areas” so I avoided them. So long as you know where you are going and don’t insult the locals, you should be fine.

51% safe?! Is this out of date?

Moscow and Russia in general are MUCH SAFER than Paris or London, yet those latter are more than 15 points ahead?!

Hell, it’s even admitted in the above text: “Moscow isn’t more dangerous than any other European city, IT’S EVEN LESS SO.” Yeah, you bet! And then: “the crime rate in Moscow is fairly lower than one in New York, London or Paris, so you should feel safe here.” So why the low rating? I don’t get it.

Also, the latest terrorist attack in Moscow happened in 2010… so how can you honestly say that the risk is still “high”? Especially for the fact Russia is very much on the edge when it comes to fighting terrorism domestically and over the world.

Sure, it might not be ideal everywhere in Moscow, but it’s WAY SAFER than in Paris, especially at night. You just can’t go out in Paris after the evening anymore, in most areas (I got assaulted for no reason at Châtelet-les-Halles and taking the RER train at dark is becoming more and more risky)… while in Moscow, chances are that you’ll see girls in miniskirts walking home while quietly singing. Or maybe you’ll stumble upon some gorgeous lady asking you for a lighter and then giving you her number for a coffee the next day. So very dangerous!

I sense a serious bias, here. Is it because of that LGBT thing? Could you pick a more extreme case? Yeah, you can totally be gay in Russia, just be so in private. There even are transsexuals, but this is a traditional and respectable country, so you should respect their choice of not publicizing various sexual lifestyles.

Moscow and Saint Petersburg are safe

Moscow and Saint Petersburg are very safe in my opinion! I’ve been to both cities visiting family! There are so many people out on the streets and on public transportation- I felt very safe! You need to change your ratings!!

Any update on Covid-19 to visit Moscow

I visited 118 country and Moscow one of the safest city I have been, st Petersburg as well, I read this article hoping to find any update on covid-19 restrictions upon arrival, so if anyone can update I’m planning to visit Moscow again but I need to know if quarentain is required or mandatory, anyone can share, cheers.

In Russia nobody cares, masks off. I dont know if fiew thousands of infected per day are high for you though. I was never arrested for not wearing mask, but you have to have it on you. Sometimes cops ask to put mask, you just do that and everything ok, some shops can refuse to do service if you dont have mask. I assume they pressured by boss, so just put on mask, they can give you gloves and dont cause any problems.

Written by someone who never visited Russia

A veer biased review. Moscow or St. Petersburg for being such brilliant truly cosmopolitan cities are extremely safe. Pickpocketing in Russia?! By children?! Who wrote this? Clearly by someone who has never been to the great country of Russia.

Have never been there. But wish me well

Bias review, Moscow is much safer than that!

This review is so bias and just wrong! First of all apart from being a political, scientific and etc center, it is an absolutely beautiful city and a very culturally rich city. For tourists there’s a huge range of delicious food, amazing shopping, a lot of cultural activities, and all sorts of entertainment. I’ve travelled there in December 2019, and most of the time I spent walking around and exploring by myself, be it during day time or night, nothing happened to me once. I mostly used subways and sometimes taxi, both safe. Just have a common sense when it comes to safety and you’ll be fine. You need to travel there at least once in a lifetime, it’s a completely different experience and it’s a beautiful one, NOT a communistic terrorist epicenter as some describe it to be.

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Article Contents

  • Moscow : Safety by City
  • Overall Risk
  • Transport & Taxis Risk
  • Pickpockets Risk
  • Natural Disasters Risk
  • Mugging Risk
  • Terrorism Risk
  • Women Travelers Risk
  • Weather Averages (Temperatures)
  • User Reviews
  • Share Your Experience

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  6. Missed Your Connecting Flight Because Of A Delay?

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COMMENTS

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  20. Transfer between Moscow airports

    Transfer at night (1 hour) Moscow Taxi. Driving between airports takes nearly 1 hour at night. You may ask the driver to go through the city centre. The journey will take a little longer, but it's a worth thing since Moscow looks stunning at night. Taxi between airports costs about 2300 rub. (€31.53).

  21. Is Moscow Safe to Visit in 2024?

    Sandy Mitchell is a travel expert and the content reviewer/fact checker at Travellers Worldwide. Using the experience she gained working in the travel industry for more than 20 years, as a travel agent, travel marketing executive, and cruise school administrator, Sandy fact-checks and reviews each of our guides to ensure they're as accurate and helpful as possible...

  22. Is Moscow Safe for Travel RIGHT NOW? (2024 Safety Rating)

    However, it decreased since the 90s, so right now, for tourists, Moscow isn't more dangerous than any other European city, it's even less so. The crime rate in Moscow is fairly lower than one in New York, London or Paris, so you should feel safe here. Also, you can count on the officials to be uncorrupted - don't ever try to bribe them ...