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AIG Travel Guard Insurance Review: What to Know

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Table of Contents

Coronavirus considerations

Travel insurance plans offered by aig travel guard, how to buy a travel guard policy, additional travel insurance options and add-ons, what’s not covered by a travel guard plan, who should get a travel guard insurance policy, travel guard, recapped.

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

As one of the world’s largest insurance companies and with a 100-year history, it makes sense that AIG would offer travel insurance. AIG’s travel insurance program, called Travel Guard, provides a number of coverage options to offer peace of mind on your trips.

Travel insurance helps you get some money back if anything goes wrong on your trip. If you’re thinking about buying coverage for an upcoming trip, first look into the coverage you may get from your travel credit cards . Many basic protections are offered on cards that you may already have.

If you’re looking for additional coverage, AIG travel insurance is a solid choice. Consumers Advocate rated AIG’s plans at 4.4 stars out of 5 stars.

» Learn more: The majority of Americans plan to travel in 2022

Importantly, if you catch COVID-19 before or during your trip, you will be covered under Travel Guard’s trip cancellation benefit. If you become sick with COVID-19 during the trip, the medical expenses and trip interruption benefits will kick in. However, Travel Guard considers COVID-19 a foreseen event and as a result, certain other coronavirus-related losses may not be covered. Given the constantly evolving travel environment, review the Travel Guard’s coronavirus coverage policies so that you’re award of what is and isn’t covered.

Here’s what you need to know about AIG's Travel Guard insurance plans.

AIG travel insurance’s Travel Guard plans cover you if you need to cancel (or interrupt) your trip due to illness, injury or death of a family member. Inclement weather that causes a trip delay or cancellation is covered by all Travel Guard policies as well.

Travel Guard offers three main AIG travel insurance plans, plus a host of add-on options. Here are the most essential benefits:

Travel Guard Essential - The most basic level of coverage

Covers 100% of the cost of your trip if it gets canceled or interrupted due to illness.

Includes a $100 per day reimbursement for any delays in your trip (max $500 total).

Covers up to $15,000 in medical expenses ($500 dental), plus a $150,000 maximum for emergency medical evacuation.

Covers up to $750 in compensation for stolen luggage and a maximum of $200 if your bags get delayed by more than 24 hours.

Travel Guard Preferred - This midlevel plan gives many of the same basic coverages as the Essential, but at higher levels.

Trip cancellation pays out at 100%. If your trip gets interrupted, you’ll get 150% of the cost of the trip.

Trips delayed by more than five hours will get you up to $800 ($200/day).

You’ll be covered up to $50,000 for medical expenses ($500 dental) and up to $500,000 for emergency evacuation.

This plan offers $1,000 for lost or stolen bags and $300 for baggage delays longer than 12 hours.

Travel Guard Deluxe - The biggest benefits can be found in this highest level plan.

Like the Preferred, you’ll get 100% coverage for trip cancellation and 150% of the cost of your insured trip in the event of a trip interruption.

Up to $1,000 ($200/day) for a trip delay of five hours or more.

Up to $100,000 for medical expenses ($500 dental), $1,000,000 for emergency evacuation and $100,000 in coverage for a flight accident.

Coverage for lost or stolen bags jumps up to $2,500 and $500 for baggage delay of more than 12 hours.

A long list of "Travel Inconvenience Benefits" are also included (such as runway delays, closed attractions, diversions, etc.)

This plan also offers roadside assistance coverage for the duration of your trip, which isn't included in the other two plans.

» Learn more: How to find the best travel insurance

Travel Guard’s website is simple to navigate and provides instant quotes that clearly spell out what's covered. You’ll need to enter basic information about the trip you want coverage for, including:

Destination.

How you’re getting there (airplane, cruise or other).

Travel dates.

Your home state.

Date of birth.

How much you paid for the trip.

The date when you paid for the trip.

Once you answer the questions, you’ll instantly get price quotes for different options of insurance for your trip. Each column clearly shows what’s covered for all options in a long list, so you can quickly compare.

This example shows options based on a two-week $5,000 trip to Spain for someone who is 40 years old. In this case, the mid-tier plan costs about 6% of the total trip cost.

It’s also important to know that plan offerings change based on what state you live in; not all states are covered.

If you purchase a Travel Guard plan and need to file a claim, you can do it on their website or by calling (866) 478-8222. You can also track the status of the payment of your claim on the site.

If you’re planning multiple trips that you would like covered, look at Travel Guard’s Annual Travel Insurance Plan. This 12-month option covers multiple trips and could save you money over insuring each trip separately.

Another option is the "Pack and Go" plan, which is a good choice if you’re going on a last-minute getaway and don’t need trip cancellation protection.

There are also options to add rental vehicle damage coverage, Cancel For Any Reason coverage, and medical and security bundles to the plans. You’ll be able to select these add-ons when you’re purchasing a policy.

» Learn more: Cancel For Any Reason (CFAR) travel insurance explained

While the Essential, Preferred and Deluxe plans all offer varying degrees of coverage for your trip, there are some things that won’t be covered by any of the plans. Here are a few highlights of things that aren't included; you’ll find full lists on each policy:

Coverage for trips paid for with frequent flyer miles or loyalty rewards programs: Travel Guard will only protect the trips you pay for with cash. If you’re redeeming your points for that bucket list trip, unfortunately, you won’t qualify for coverage. However, the cost of redepositing miles back into your account is covered.

Baggage loss for eyeglasses, contact lenses, hearing aids or false teeth: These items should be kept with you in your carry-on as a general rule, since a Travel Guard policy won’t cover them.

Known events: If you knowingly book a trip with some inherent risks, it won’t be covered. For example, once the National Weather Service issues a warning for a hurricane, it becomes a known event. Once COVID-19 became a pandemic, it was categorized as a foreseeable event and was no longer covered. You can cancel the policy you purchase up to 15 days prior to your trip to receive a refund for the premium paid.

» Learn more: Does travel insurance cover award flights?

Many trips may be sufficiently covered by your credit card benefits, but you should do research to see which cards provide the best options (and remember to use that card to book the trip).

However, if you’re planning major international travel or embarking on a big cruise trip, Travel Guard's Preferred and Deluxe plans may offer better coverage than your credit card. Overall, Travel Guard plans offer a variety of coverage options with an easy-to-navigate website that could be a good fit for your next trip.

If you’re not finding what you’re looking for with a Travel Guard plan, check out an insurance comparison site like Squaremouth, where you will have a lot of different plan options to choose from.

» Learn more: Is travel insurance worth it?

Travel Guard offers several trip insurance plans with varying degrees of coverage. Some plans also allow you to purchase optional upgrades such as CFAR and auto rental coverage. Plan availability differs by state, so make sure you input your trip details to see what plans are available to you.

If you have a premium travel credit card, you may already have some elements of travel insurance coverage included for free. Before you decide to purchase a comprehensive policy, check what coverage you may already have from your credit card.

Travel Guard’s insurance plans offer trip cancellation, trip interruption, emergency medical coverage and evacuation, baggage delay, baggage loss, and more. Some policies may also allow you to add on benefits like Cancel For Any Reason and car rental damage coverage.

If you need to cancel your trip for a covered reason (e.g., unforeseen sickness or injury of you or your family member, required work, victim of a crime, inclement weather, financial default of travel supplier, etc.) you will be covered. To see the whole list of covered reasons, refer to the terms and conditions of your policy.

To get a refund, you will need to file a claim by either calling (866) 478-8222 or submitting it online at its claims page . You may be required to provide verifying documentation to substantiate your claims so keep any receipts that you intend to submit. You can also check the status of your claim at any time on Travel Guard’s website .

The Cancel For Any Reason optional upgrade is available on certain Travel Guard plans. Travel Guard’s CFAR add-on allows you to cancel a trip for any reason whatsoever and get 50%-75% of your nonrefundable deposit back as long as the trip is canceled at least two days prior to the scheduled departure date.

To get a refund, you will need to file a claim by either calling (866) 478-8222 or submitting it online

at its claims page

. You may be required to provide verifying documentation to substantiate your claims so keep any receipts that you intend to submit. You can also check the status of your claim at any time

on Travel Guard’s website

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

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

Christine Krzyszton

Senior Finance Contributor

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Keri Stooksbury

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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

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 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.

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.

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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AIG Travel Guard Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

AIG 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. If you're looking for travel insurance, consider 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

AIG Travel Guard is among the best travel insurance companies with impressive coverage limits, even with its basic plan, Travel Guard Essential. It's emergency medical evacuation coverage is particularly high, making Travel Guard a good choice for insuring cruises, as sea to land evacuations are often expensive. 

Additionally, Travel Guard's Premium and Deluxe plans offer coverage that many of its competitors don't, such as its travel inconvenience coverage and ancillary evacuation coverage.  

That said, Travel Guard is on the pricey side, compared with its competitors. While age is often a factor in your insurance premiums, Travel Guard tends to quote older travelers higher rates than its competitors. However, you often get what you pay for. In Travel Guard's case, you'll find that its coverage justifies its higher rates. 

While great coverage is important, it's also crucial that an insurance company has a smooth claims process, which Travel Guard lacks, according to its customer reviews. Across 135 reviews on its Trustpilot page, AIG Travel Guard received an average of 1.2 stars, with 95% of reviewers giving the company one star. Surprisingly, AIG Travel Guard fares even worse with the Better Business Bureau, receiving an average of 1.08 stars out of five across 301 reviews. 

Coverage Options Offered by AIG Travel Guard

AIG 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.

Each of these plans also include coverage for one child under 17 as long as their travel costs are equal to or under the adult's cost. Additional coverages do not apply to the child.

AIG Travel Guard Pack N' Go Plan

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

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. Cancel for any reason coverage will reimburse 75% of nonrefundable expenses when you cancel your trip for any reason, up to 48 hours before your scheduled departure. CFAR coverage is only available for Travel Guard's Deluxe and Preferred plans. 
• 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.

How to Purchase and Manage Your AIG Policy

Getting a quote from AIG 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 a 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.

As of April 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  Travel Guard travel insurance quotes:

• Travel Guard Essential: $86.96
• Travel Guard Preferred: $152.01
• Travel Guard Deluxe: $188.59

Premiums for Travel Guard's various single trip plans are between 2.8% and 6.3%, well within, and even below, the average cost of travel insurance .

A 30-year-old traveler from California is heading to Japan for two weeks, costing $4,000. The Travel Guard travel insurance quotes are:

• Travel Guard Essential: $198.77
• Travel Guard Preferred: $240.39
• Travel Guard Deluxe: $305.04

Premiums for Travel Guard's various single trip plans are between 5% and 7.6%, within the average cost for travel insurance.

A couple of 65-years of age looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following Travel Guard quotes:

• Travel Guard Essential: $471.10
• Travel Guard Preferred: $618.22
• Travel Guard Deluxe: $834.78

Premiums for Travel Guard's various single trip plans are between 7.9% and 13.9%, which is significantly higher than the average cost. That said, travel insurance is often more expensive as you get older. 

AIG Travel Guard Annual Plan Cost

Getting a quote for the annual plan requires much less information, only asking for the intended policy start date, your state of residence, and how many people you plan to insure. Quotes from AIG remained at $259 per traveler, regardless of state of residence and number of travelers.

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.

Read our Nationwide travel insurance review here.

AIG Travel Guard vs. Allianz Travel Insurance

With Allianz Travel Insurance , 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.

A variety of factors will determine the final cost of any of these travel insurance policies. However, when comparing quotes with the same factors, Allianz tends to be cheaper. Additionally, Travel Guard seems to be more sensitive to the traveler's age. However, it's best to compare quotes using your specific personal and trip details to determine which policy is the best for you.

Read our Allianz travel insurance review here.

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 credit card travel protection . 

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.

Read our guide on the best credit cards with travel insurance here.

AIG Travel Guard Frequently Asked Questions

Depending on the single trip plan you choose, AIG Travel Guard offers $15,000-$100,000 in emergency medical expense coverage.

All three of Travel Guard's single trip policies offer pre-existing condition waivers as long as you purchase your policy within 15 days of your initial trip payment.

Travel Guard is the name used for AIG's travel insurance products, but AIG also offers other insurance products, like AIG Life Insurance .

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

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. AIG Travel Guard's is also among the best CFAR travel insurance companies.

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

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.

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.

Read more about how Business Insider rates insurance providers .

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.

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Travel Guard Review

Wednesday, April 17th

2024 Travel Insurance Plan Reviews

• Travel Guard
• 3 main travel insurance policies available, with add-ons like Name Your Family bundling and coverage for Adventure Sports and Destination Weddings
• "A+" rated and accredited by the BBB

Travel Guard is one of the most widely-used, travel agent-recommended insurance companies in the industry. Millions of leisure and business travelers alike use this company for emergency travel services, medical assistance, and other travel-related problems.

Policy names and inclusions have changed

If you've used Travel Guard before, things may be different now from what you remember. No longer named as Platinum, Gold, or Silver plans, the travel insurance policies here are now called Deluxe, Preferred and Essential - with slightly different coverages and new add-ons for adventure sports, destination weddings, and more.

No surprises in the quote process

Let's take a look at how those plans were offered for our sample traveler profile: a one-week trip to Mexico about six months in the future, with two 35-year-olds spending a total of $3,000. We had to start by entering our destination (though we liked that Travel Guard had quick buttons for the US, Mexico, and Caribbean as top locations), then indicating if we were taking an airplane, cruise, or neither. As we went through the standard questions - travel dates, number of travelers - we noticed the same wrinkle as our last review: to get an online quote, all travelers have to live in the same state of residence. In other words, if you're planning a family trip and your sister lives in Oregon, your brother is from Maine, and you live in Georgia, each of you will need to get a separate Travel Guard policy. However, that's an exclusion frequently found with all travel insurance sites - because prices are regulated at the state level.

Glitchy website = wasted time

However, that wasn't the only issue As we tried to enter the birthdates of the travelers in our fictitious party (not just the ages, as required by most sites), we kept getting an error asking for the date in a different format. No matter how we tried it, even using the little calendar icon and scrolling through to click on the appropriate birthdate, it wouldn't accept it. It took us nearly five minutes just to get the dates to go through (and we still have no idea what the site finally accepted, because the date looked exactly the same every time).

Keep an eye out for add-ons

We eventually got a quote of $102.50 for Essential, $197.27 for Preferred, and $339.76 for Deluxe. The biggest differences among the three plans were the coverage amounts and not the included items themselves. For example, medical expenses are covered up to $100,000, $50,000, and $15,000, respectively. We were surprised that only Preferred and Deluxe have the possibility of including Cancel For Any Reason, and you still have to pay for it as an upgrade. That optional coverage and all other options - Pet Bundle, Wedding Bundle (if your trip is for a wedding that's canceled; doesn't apply if you're the bride or the groom), Adventure Sports inclusion, and so on - will be displayed and can be included once you've chosen your base Travel Guard plan.

BBB gives it an "A+" despite 1,200+ complaints

The Better Business Bureau gives Travel Guard an "A+" rating and accreditation. There were over 1200 complaints filed there, which isn't too surprising considering how much of a market share this travel insurance company has (with thousands upon thousands of policies issued every month). The BBB's rating means you can trust that if you have an issue, it will be addressed and resolved appropriately.

Claims are frequently denied

That being said, it's discouraging to read through complaint after complaint (on the BBB site and elsewhere) describing how often Travel Guard denies claims. It doesn't even seem to matter what the cause is - airline cancellations, lost baggage, you name it - there are too many times when either something that should be covered isn't, or the policyholder had been led to believe that they had coverage when they actually didn't.

Claims process is a chore

Plus, communication from Travel Guard during the claims process is almost nonexistent - and that squares up with our own experience; making a claim for 8 non-refundable plane tickets canceled during the early days of the pandemic, we were only reimbursed in part for a few of them (with Travel Guard incorrectly claiming that the airline had refunded the taxes and fees), and it was rare for us to get any kind of update. It was a pleasant surprise when we received any money back at all - and even that trickled in sporadically, despite making claims on all eight tickets at the same time.

Not our top choice for travel insurance

We're disappointed to have to give Travel Guard such a low rating: many travel agents still recommend this company as their bread-and-butter insurance choice, after all. However, the overall customer experience - including our own - just isn't consistent enough to rank Travel Guard any higher than "barely average" .

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The 13 Best Travel Insurance Plans

Who offers the best travel insurance.

With daily news stories of delayed and canceled flights, lost baggage, and travelers stranded overseas in the middle of a natural disaster, it's easy to see why travel insurance is so important. Like most types of insurance, travel insurance is bought in the hopes that you'll never need it. But, for most travelers, it's worth the price for the protection it provides.

Have you ever thought that this coverage was just an unnecessary, added expense? That's fairly common: most people assume that they've got protection through their credit card company, their regular health insurance, even their homeowners' policy. In some situations, that may be accurate - but unless you know the details of those types of coverage, you're more likely to be left paying out-of-pocket expenses you thought were taken care of... but aren't included.

Travel Insurance Plan FAQ

What is travel insurance, what does travel insurance cover, what does travel insurance not cover, can i get travel insurance if i have a pre-existing medical condition, is travel insurance expensive, my chocolate is going someplace warm. will it melt, where can i buy travel insurance, is it safe to get travel insurance online.

Continued from above...

And, even if you do have that kind of protection, travel insurance policies can amplify your benefits. For example, if you choose a plan that offers $500,000 in primary medical coverage, you might not need to touch your regular health insurance: your bills will be reimbursed up to that amount, no matter what your everyday health plan includes. Car rental insurance can go above and beyond what's paid for by your credit card company or even your own vehicle's coverage - and that can be critical if you're driving in another country and have an accident.

What type of travel insurance do you need? Naturally, that depends on your trip, your travel party, and your budget. A single-trip policy will be more affordable than multi-trip coverage - but if you're traveling internationally more than once in a year, the annual policy becomes much more economical. Do you need to be able to cancel for any reason? Is it important to you to have a waiver of the pre-existing conditions exclusion? Are there any children under 18 in your party that might be included at no extra charge, depending on the insurer you select? These are all factors that will influence your decision when picking a travel insurance plan.

Confused yet? You do have a lot of options. Here are some criteria to help you sort through them and ultimately wind up with the travel insurance coverage you need:

• Quote process. How easy is it to get a quote that matches your insurance needs? Does the site explain the questions it asks, and does it display all of the possible plans in a way you can understand? Can you buy your policy right then and there, or do you have to click through to another site?
• Value. What's included for your premium? From one site to another, you will probably see the same price on any given plan because the states regulate travel insurance prices. However, it's worth your time to compare premium prices and benefits among different insurers, so that you get the most for your money.
• Reputation. It's easy for an insurance company to get high marks from customers if they never had to make a claim on the policy. What do clients who've filed claims say about the way they were treated? Were they reimbursed quickly? Did they get updates about the status of the claim? It's also good to check the Better Business Bureau's rating of any travel insurance service you're going to use.

To help you get the protection you need on your next adventure, TopConsumerReviews.com has evaluated and ranked today's most popular sources of travel insurance. We're confident that this information will make it easy to protect yourself and what you've spent on your trip - and to have backup if something goes off track on your journey. Bon voyage!

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How is Travel Guard Insurance rated?

Overall rating: 4.8 / 5 (excellent), travel guard insurance plans & coverage, coverage - 5 / 5, emergency medical coverage details, baggage coverage details, travel guard insurance financial strength, financial strength - 4.5 / 5, travel guard insurance price & reputation, price & reputation - 4.8 / 5, travel guard insurance customer assistance services, extra benefits - 5 / 5, travel assistance services.

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Travel Guard Insurance Reviews: Is This The Right Coverage For You?

Travel Guard has simple plan choices and lower-cost upgrades, but medical limits are lower

Top reasons to buy

• Their Cancel For Any Reason upgrade tends to be lower-cost than others
• Simple plan choices with “Good, Better, Best” format
• Covers cancellation for NOAA hurricane warnings
• Emergency Medical coverage lower than comparable plans ($50k vs $100k)
• Lower Evacuation coverage as well
• No coverage for travel delays that cause the loss of more than 50% of trip

Bottom line

Travel Guard is a reputable company and their plans have good coverage– they cover Covid as any other unexpected illness, and have nice details like the NOAA hurricane warning coverage. Medical limit is low for cruises or international travel, so all else being equal there are better plans (see below).

Company Information

Travel Insurance Essential Preferred (Most popular) Deluxe

Money Back Guarantee

Free look up to 15 days after purchase

Travel Guard Insurance Phone Number

866-826-4248 Hours of Operation: Everyday, 24 hours per day

Emergency Assistance

Inside USA 1-855-203-5962 Outside USA 1-715-345-0505

1-866-826-4248

Looking for Travel Guard Insurance reviews? You’ve come to the right place. Sometimes referred to as AIG Travel, this company provides coverage to over 6 million Americans traveling every year. And with so many singing the high praise of AIG Travel, we’ve decided to put together our own Travel Guard insurance review.

At CoverTrip, we live and breathe travel insurance. Since 2006, we’ve helped people like you compare coverage and pick the right plan for their trip. And today, we’re going to help you do just that. Keep reading to discover whether or not AIG travel insurance is right for you – or if you’re better off with an alternative! Here is a brief summary of our findings:

Summary Of Our Travel Guard Insurance Review:

Travel Guard is the travel insurance branch of AIG, one of the world’s largest insurance companies. They have incredible financial backing and are a reputable and trustworthy company.

Travel Guard has good plans with good coverage. They match various aspects of other picks for best travel insurance but lack emergency medical coverage. For this reason, I recommend similar plans that have higher travel medical coverage.

Best Alternatives to Travel Guard:

• Travel Insured International
• Trawick International
• Best Cruise Insurance Plans
• Best Family Plans
• Best Budget-Friendly Plans

Travel Guard is a long-established travel insurance company providing three plans that fit the needs of most types of travelers. They are grouped in the common “good, better best” style with Essential, Preferred, and Deluxe. Each of these plans provides the basic travel insurance that most travelers are seeking, and the coverage and benefits increase with each level.

What does Travel Guard insurance cover?

Various providers have different policies regarding what is a covered reason for trip cancellation . The higher tier you choose, the more forgiving the terms will be. As you’ll soon discover, these guys offer cancel for any reason insurance policy that many travelers love. However, Travel Guard has three levels of travel insurance plans. This is the type of policy most travelers buy to protect their trip expenses in case they need to cancel.

Like all travel insurance plans, they cover:

• Trip cancellation & interruption
• Emergency medical expenses
• Medical evacuation expenses
• Lost, stolen, or damaged baggage
• Travel delays
• Delayed baggage
• 24/7 worldwide assistance

Breaking Down The Three Travel Guard Insurance Plans

As we mentioned previously, there are three different plans you can choose from: The essential, the preferred, and the deluxe. Here are the terms of each to help you identify which best suits your upcoming trip.

This is an economy plan from Travel Guard. It has coverage for trip cancellation and interruption, plus a basic level of post-departure coverage like emergency medical, baggage, and delays. All of these coverage amounts are low. For example, the medical coverage is $15,000 and it is Secondary vs Primary. There is no optional CFAR coverage available. This is a good plan for someone who wants coverage but is on a budget.

This is Travel Guard’s most popular plan. It offers expanded coverage over Essential, such as emergency medical coverage of $50,000. This plan has the optional CFAR upgrade available, and NOAA hurricane warning coverage which is good. However, for a similar cost, you can get $100,000 medical coverage with a plan like Worldwide Trip Protector from Travel Insured International.

This plan includes all the benefits of Preferred but with higher limits. Here you get $100,000 of medical coverage, but as stated above there are similar plans with this coverage for less money.

Travel Guard & Cancel For Any Reason Insurance

As we briefly touched on above, Travel Guard offers the Cancel For Any Reason (CFAR) upgrade for their Preferred and Deluxe plans. It is not available with their budget-friendly Essential plan.

A few companies, such as Allianz, do not offer this upgrade. Travel Guard offering it with the mid and high-tier plan is a good thing. Since this is an optional upgrade, it costs extra. Travel Guard’s CFAR upgrade tends to be less expensive than competitors. But their plans are also slightly more expensive so the difference is not as large.

Most major companies offer CFAR as an upgrade to at least some of their plans. This coverage extends your cancellation coverage. Instead of just coverage for the covered reasons for cancellation, it covers everything.

Travelers like the peace of mind this coverage provides. It gives you a lot of flexibility in canceling your trip and still getting most of your money back.

Travel Guard Insurance for Covid

In this day and age, a highly-anticipated trip can end before it begins with COVID-19 affecting travel. The feeling of not only being sick and missing your most anticipated trip of the year – but also knowing you’re out thousands of dollars – can be soul-crushing. Thankfully, you won’t have to worry about the financial aspect when you’re insured through Travel Guard.

Travel Guard covers Covid as they do any other unexpected illness. This means you are covered for cancellation if you get Covid before departure and need to cancel. You are also covered on your trip if you get Covid and need medical care.

What does United & Frontier Airlines Travel Guard Insurance Cover?

Travel Guard is a popular partner with several travel suppliers like United Airlines and Frontier Airlines. When you check out, they offer you a “flight protection” plan– usually for a very small amount of money.

I always recommend buying insurance separately from your travel supplier. This is true for a cruise line, Disney, airlines, Kayak, Expedia, or tour companies. Here is why:

First, these are often stripped-down versions of travel insurance. The coverage and limits are adjusted to keep the costs low. Travelers might think they are getting full “travel insurance”. But it’s often just covering the cost of that airline ticket and nothing else.

Second, you aren’t in the mindset of insurance. You’re booking your trip. It is smart to take the time to figure out what you need to cover, and the best way to do it. This way you are not spending money you don’t need to spend. Or even worse, think you are getting coverage that you aren’t.

How much is AIG Travel Guard Insurance?

Travel Guard tends to be similar in price, maybe slightly higher, to comparable plans. But, you have to keep in mind that they also have lower medical emergency coverage. Here is an example of the difference in price and coverage with two of our favorite traveling insurance providers:

Trip information : Two-week trip with a trip cost of $4,000, one traveler aged 46.

• Travel Guard Preferred ( $244) – Most coverage is similar, but this plan only has emergency medical coverage up to $50,000. This is a decent amount, but for trips like cruises and travel abroad, I recommend a minimum of $100,000.
• Travel Insured Worldwide Trip Protector ($228) – Similar coverage, but the medical limit here is $100,000. This is an adequate amount of travel medical coverage for most trips.
• Trawick Safe Travels Voyager ($241) – Similar coverage, but the medical limit here is even higher at $250,000. This is more than adequate travel medical coverage for most trips.

All of the plans are a little more than 5% of the trip cost, which falls within the usual travel insurance range of 4-10%.

Travel Guard Insurance FAQs

We’ve covered virtually everything you need to know in our Travel Guard insurance review – but there are probably a few other questions you have before pulling the trigger. Here are some of the most commonly asked questions surrounding AIG Travel insurance:

Is Travel Guard a good company?

Yes, absolutely. Travel Guard has been in business for a long time, and with its acquisition by AIG became part of the largest insurance company in the world. They have ample financial backing, are reputable, and are trustworthy.

Which Travel Guard plan is best?

The best plan from Travel Guard is their Preferred plan. I always factor in value when selecting plans, and this policy has good coverage for the cost. The main shortcoming is the lower medical limit of $50,000.

Are AIG and Travel Guard the same?

Travel Guard was a standalone travel insurance company. They were purchased by AIG, one of the world’s largest insurance companies. Now, Travel Guard is the travel insurance brand within AIG. You will see them called both Travel Guard and AIG Travel Guard.

How do I make a Travel Guard claim?

You can file claims directly with Travel Guard using their main contact line at 1-800-826-5248. They will guide you in terms of what documentation you need.

Parting Thoughts On Our Travel Guard Insurance Review (The Verdict)

That concludes our comprehensive review of Travel Guard insurance. In this in-depth review you’ve learned all about AIG Travel – including:

• Company information
• Coverage provided under various plans
• Cost of coverage
• Trip cancellation coverage (specific to COVID or any other reason)
• FAQs on AIG Travel

In summary, this is a great choice for a number of travelers. As you now know, they have a wide array of different plans to choose from – each offering good coverage. They can contend with many of our other top recommendations for insurance. However, they do fall short in some areas. Namely, they lack the emergency medical coverage of some other providers. Trust us – the last thing you want is to deal with the hassle of needing higher travel medical coverage while you’re away from home.

For this reason, we’ve listed five great alternatives. But ultimately, the best way to determine who offers the best coverage for you and your unique trip is to get a quote. Start the process today and let us help you travel in confidence and peace of mind – without breaking the bank!

Want to read other reviews of popular providers to see how they stack up? One of our personal favorites is our Travel Insured International review . If you’re traveling with a number of people, you may be interested in checking out some of our group travel insurance or family travel insurance recommendations.

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AIG Travel Guard

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Travel Guard Plans

Compare coverage levels and pricing on our most popular plans with our product comparison tool—and find a Travel Guard plan that’s right for you. 

Deluxe Plan

Our top-of-the-line, comprehensive travel coverage that sets the standard.

Preferred Plan

A comprehensive travel plan with superb coverage and service from start to finish.

Essential Plan

Savvy coverage for the budget-minded traveler.

Pack N' Go Plan

Immediate coverage for unplanned trips and adventures

Annual Travel Insurance Plan

Year-round coverage for your travel investments.

Millions of travelers each year trust AIG's Travel Guard to cover their vacations

Travel insurance plans provide coverage for certain costs and losses associated with traveling. Travel Guard ® helps you navigate canceled flights, lost bags, sudden health emergencies, and much more—almost anywhere in the world. Whether you’re planning a two-day getaway, a cruise, an adventure vacation, or a month-long international holiday, our plans help cover travelers and their trip inverstments.

Education Center

Sort through common questions about travel insurance

Traveler Resources

Safety information and travel tips for travelers

Preparing travelers wherever their journey takes them

AIG Travel CEO Jeff Rutledge shares how the underlying risks of travel have changed and what AIG is doing to help companies and individuals manage risks.

Coverage available to residents of U.S. states and the District of Columbia only. These plans provide insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of each policy with your existing life, health, home, and automobile insurance policies, as well as any other coverage which you may already have or is available to you, including through other insurers, as a member of an organization, or through your credit card program(s). If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc .(Travel Guard). California lic. no. 0B93606, 3300 Business Park Drive, Stevens Point, WI 54482,  www.travelguard.com.  CA DOI toll free number: 800-927-HELP.

This is only a brief description of the coverage(s) available. The policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Ave of the Americas, Floor 41, New York, NY, 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.

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Travel Guard   Reviews

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Reviews 1.7.

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Pyramid scheme with airline United, Big Scam Dont purchase policy

They do business as AIG also, Dont get they insurance its a scam. I purchased they insurance for a travel and suffered major swelling due to a 12 hour wait/delay in airport. I assume flight would get me home in timely manner after a surgery I had and wind up getting stuck in airport and due to the long wait delay I accumulated major swelling that led to other issues stitches I had busting open and all got out of control and I finally went to ER to get help, I was fine until waiting in airport. My claim was $5,000 money I paid after Er visit and it paid with my credit card and was instructed to submit evidence proof of payment in order for claim to be reimbursed, I did all even United Airlines supporting documents and claim was denied. Do Not bother paying for this type coverage its all a scam, they do not pay out if you get injured as claimed when you purchase policy. BBB need to look into this company. Def some sort of pyramid scheme between them and United Airlines.

Date of experience : September 01, 2021

I’m trying to give a one star for…

Putting this review on hold because the company is now trying to work with me. My husband also reminded me that when we had to cancel a family trip to Costa Rica because my mother had a stroke the night before we were to leave, AIG helped us to get our monies paid out back. Maybe they will come through this time as well. I’m trying to give a one star for travel guard, but can’t seem to go lower than 2 stars. Right now, I have been kicked off of my Rick Steve’s tour for testing positive for covid. I had cold symptoms in the very small but lovely village of Dunkeld in Scotland and was tested by the tour leader. Since I tested positive, I was forced to stay behind in Dunkeld, which fortunately has a train station. I could not get into the one physician in Dunkeld and the hotel was full. I did have one further night there booked by the tour. AIG has been of no help whatsoever. They gave me phone numbers to call in the US, but I’m in the UK. I masked up and took a train to Glasgow. AIG recommended that I have a telehealth visit with a physician in MADRID - Spain! While a telehealth visit may be good for some things, not so good with respiratory issues. Otherwise, they suggested I go to an ER in Glasgow. I was not that ill to need an ER, the ER gave me the 24 hour of the NIH for nurse assistance, which AIG (even tho they have a headquarters in London.) AIG is saying that they won’t pay the claim without a positive test on file even though the Rick Steves office is verifying the positive result of the test done in the presence of their tour leader. AIG won’t tell me where to get the test done in Glasgow. It’s like some kind of unending circle game. I think that they are just trying to get out of paying my claim. Choose another travel insurance company. One that actually does what they say they will do. Otherwise, you are just throwing your money away.

Date of experience : August 11, 2023

Worst service ever

Worst service ever. "Forseen" event is the language used to steal travelers money. When I planned a cruise/visit to Europe I foresaw a global pandemic. Travel guard is nothing more than a con/shell game. I will not waste money ever again on this type of insurance.

Date of experience : May 07, 2020

Complete waste of money and time

Complete waste of money and time. AIG happily took my money to insure a trip, and set a new standard for how to mishandle a claim. I was required to work unexpectedly by my employer the day of my departure, and AIG used the fine print against me to decline my claim. Understand when you purchase a policy, there are very few, extremely rare circumstances in which they will pay on a trip cancellation claim. Furthermore, the initial response I receive from AIG after filing my claim said exactly "Our objective is to promptly inform you of our decision, generally within 10 to 15 business days of receiving your submitted claims form." That email was received on September 22, 2022. I finally received confirmation that my claim was denied on December 14, 2022. That would total 83 days (EIGHTY-THREE DAYS!!!!!) before I received a decision on my claim, in which they found a way to still deny. I cannot properly state how unpleasant and disappointing my experience with this company has been, and I will NEVER do business with them again. If you are considering one of their policies, DON'T WASTE YOUR MONEY.

Date of experience : December 13, 2022

Opportunistic Svavengers

Travel Guard Policy Confirmation: 941874348 They claim wrongfully that the cancelation of scheduled trip was due to fear; therefore it is not their problem. We got into a lockdown and trips were cancelled to Italy. You owe me $145.84, and I demand my money back. It's been over two months

Date of experience : May 14, 2020

Avoid Travel Guard (AIG)

I purchased Travel Guard (AIG) insurance via Expedia. It was completely worthless when issues arose. I submitted my information to my states insurance commissioner.

Date of experience : December 28, 2023

I received my compensation according to…

I received my compensation according to agreed terms, have no complaints to these guys.

Date of experience : November 23, 2020

Never trust this company

Never trust this company. Sales agent speak of smooth process. Field agents do the reverse of it. hopeless company you will ever come across. waste of your money and time. In 1 word Pathetic service. All the try to do is innovate differenet ways to decline your claims. They are tied up with AIG and find all kinds of ways to decline your claim.

Date of experience : November 11, 2021

Frustrate and Conquer

I recently booked a flight through Expedia scheduled to depart on 9/27/22 from Boston, with a connecting flight in Florida. Two days before departure I received a notice from the airline advising us to consider rescheduling, with no penalty, due to very likely flight disruption and possible cancellation due to hurricane Ian soon to impact the state of Florida. We changed our flight for a different day and asked the Expedia rep who rescheduled our flight if they could also change the departure date on the Travel Guard insurance policy I had purchased through Expedia. They told me they didn't handle that part of the booking and I needed to contact Travel Guard directly, which I did. However, after waiting on hold for nearly one hour, a very belligerent representative spoke to me in very insulting and arrogant language and told me I needed to go back to Expedia and deal with that. It was all downhill from there. After so much waiting, I had to cancel the policy given that there was no way to make adjustment of date to my policy. All this after more than one and half hour of waiting on the phone. Thank you Travel Guard! You sure know how to frustrate customers to avoid a reimbursement!

Date of experience : September 25, 2022

useless travel insurance

I purchased a total 3 coverage including cancel for any reasons in October 2023 & 1 before that. I wish never had to file but things happen & we purchased these coverage for protection but they are just garbage & completely useless, unreliable & very unreachable & deceptive.

Date of experience : November 01, 2023

No response, can't claim

Do NOT use them. I went on a trip in January. During that time my family became sick. I kept all the receipts. I then filed a claim, said in the email when the sickness occurred and how much it was, and sent them the receipts. They then sent me an email asking me to describe the illness and how much it was and to give them the receipts. After that they said they sent me the documents to fill in, I received no such documents. MONTHS later I received the documents. I filled them in and attached the needed documents. They said they needed the flight itinerary. I attached to that email, submitted it online, and send it to their claims department. NOW they told me they didn't receive it and they are closing my case. I sent the itinerary, submitted it, and emailed it AGAIN. I have yet to hear from them! I would not use them again! And I suggest you don't either!

Date of experience : August 29, 2022

Every Trick In The Book To Keep Your Money

There are systems used by this company to make things difficult. Here are some hints below: * The wording in their contract is a sales pitch and on purpose to make you think you have the coverage you don’t. Be very careful- just avoid. * If you make a claim they will purposefully make delays in response times, lose paperwork and tell you to send it again repeatedly. This is a very carefully researched system to have you give up on your claim and walk away. Most do, and that’s a success story for them without having to offer the services promised. Unfortunately, it works well. * You can’t find any information to get ahold of anyone directly. It takes months to get a phone number for an adjuster alone and that’s if you’re lucky. Emails only and that will be slow. * 800 number will get you on a line that is trained to waste your time and not accomplish anything. The long wait times, repeated requests for your info on the phone, and no transfer to anyone useful is a very strong setup to make you give up. We kept on trying regardless of this. After many months and repeated calls (and emails) we were denied. I got the insurance adjuster (that took a lot of work) which denied our claim and went through the contract very thoroughly. The wording in the contract can go any way they wish. Again, very carefully set up system in the hopes you will give up. These systems are creating a lot of mistrust with customers toward the insurance industry and I will personally never purchase travel insurance again, ever.

Date of experience : October 18, 2022

Travel Guard should be ashamed and I am…

Travel Guard should be ashamed and I am guessing by the looks of other recent reviews they will not be able to save themselves after the dust settles. I will do everything I can to continue to inform everyone possible to never do business with them ever. This Pandemic is something none of us could have dreamed up and all plans are at a 100% halt, not to mention a life risk. I purchased 4 tickets to Italy for our first family vacation out of the country and WowFare is doing nothing but running me in circles and giving me zero options to help. I purchased travel insurance with Travel Guard and they are getting out if it as this qualifies as an "unforeseen" reason to not cover the loss, not to mention the multitude of other reasons they are squirming out of coverage. So WowFare and Travel Guard are jointly screwing over my family for a large amount of money. I tried to go directly to the airlines that are offering very reasonable accommodations for travel vouchers to be used for 24 months, but when you try it gets denied because it was booked through WowFare. Travel Guard needs to implement some special circumstance accommodations. I am astonished that Travel Guard is willing to cut their own throat at this time when they could strengthen their future instead. Would I take all this back if Travel Guard would step up? Yes, a hundred times over but so far it's the run-around and utter disappointment. COME ON TRAVEL GUARD - PULL YOUR HEADS OUT!

Date of experience : April 14, 2020

Fraudulent Services

Fraudulent services. We had to cancel trip due to my loss of job; parochial schools closed by governor through school year = laid-off/zero income and annual contract end for me/job loss. AIG sold us policy which clearly states 100% coverage and refund if laid-off or loss of job; which is my case on both levels. Nowhere does their policy stipulate that this loss of job cannot come from anything related to COVID-19. After 2-1/2 months of silence from them or them giving me the run-around for more paperwork - which I provided everything I had, and more - they send me an Air Ticket Reimbursement Form - indicating the refund is on its way. Instead, more time passes and they pull a bait and switch and send me an email saying because my loss of income/job is COVID-19 related, I will not get money refunded for airline credits I HAD TO take per directive from THEIR customer service representative in order to even be able to file a claim. The email stated my case was immediately closed, with zero opportunity for me to even counter back or question. AIG made up facts and changed the narratie of their policy's clearly documented wording just because they don't want to pay out on a legitimate claim. I have contacted WI's Commisioner of Insurance's office to order paperwork to file a complaint against this horrendous company.

Date of experience : June 04, 2020

Earthquakes Don't Count as Disasters with AIG

Like so many others who heard the news about the earthquake in Morocco in September my wife and I were greatly saddened by the loss of life and the aftermath that left thousands of people without shelter or subsistence. Months before the earthquake we had made plans to enjoy a week of travel in Morocco with good friends. Our goal and primary destination was to enjoy the countryside around the beautify mountainous region at Ouirgane, which unfortunately was at the epicenter of the earthquake that occurred during our planned visit time. We did not make that trip given the conditions and we quickly applied to AIG for support in recouping the significant costs that we incurred. After repeated communications via e-mail and telephone we were informed that AIG does not accept an earthquake as a valid reason for trip cancellation. Per AIGs requests we provided them with copies of our travel arrangements and expense receipts, including air transportation arrangements which they requested but which we did not seek compensation for in our claim. AIG’s final communication to us was that because we did not use AX for the air transport associated with our travels, our claim is not valid. AIG sent us some fine print in their Ts and Cs to reject our claim. We will continue our appeal directly with AX and feel compelled to alert other travelers about using or turning to AIG for any form of travel insurance. My wife and I love travel and have been to more than fifty countries together over the last few decades. We are not travel amateurs and this is not our first disappointing experience with AIG but it is our last. We will no long consider using their services going forward and trust that others will take heed and be weary of them when considering travel insurance providers. It appears that you will have to suffer greater catastrophes than a major earthquake to receive any level of customer service from AIG.

Date of experience : September 08, 2023

Refuse to admit any wrongdoing

Had a flight booked to assist a sick family member in caring for their farm for a couple weeks. Came down with a bad cold a week out and decided to postpone the trip because I was visiting someone with an already compromised immune system. Spoke to a representative who was kind and patient and took the time to read off the required documentation I would need to provide to submit the claim. She indicated an email would be sent kicking off the claim process, along with all required docs. After this conversation, I was under the impression there was no requirement for me to get the claim in ASAP so I waited a week until I was feeling better to review the email in full. Upon reviewing identified I needed medical proof (which to be fair I should have assumed, but when I’d spoken to the rep this was not one of the listed items so I didn’t think about it) Emailed the company to ask how to proceed. They took the opportunity to essentially say “gotcha! You admitted you didn’t get checked by a doctor so you’re ineligible!” When I argued that I’d just taken what was said by their team member at face value they proceeded to continue to argue - I wasn’t even trying to have the decision overturned, I understand where I was negligent in the process) but rather have them acknowledge that their process clearly had some hiccups. They refused to acknowledge anything, arguing the rep couldn’t indicate whether I was eligible (not what I was saying at all) and that the email sent had the doc so it negated my stating that the rep didn’t mention the doc (again, I’d not looked right away because I still had to work full-time while sick and was under the impression there was no urgency) Overall, just an awful experience. If they’d be able to say they understood where I was coming from at all I would’ve just taken it as something to learn from, but honestly they’ve just rubbed me the wrong way. Won’t be using them again.

Date of experience : May 24, 2023

In Italy it works serious and well. Travel claim paid very fastly

Date of experience : June 01, 2023

We used Travel Guard (Thru Expedia)…

We used Travel Guard (Thru Expedia) earlier this year on a planned trip to Lisbon. Unfortunately, our trip did not push thru because my wife had covid and her symptoms lingered. We filed a claim to TG for our airfare and they reimbursed us immediately. Of course we provided them the necessary paperwork.

Date of experience : August 11, 2022

Horrible. Don't purchase.

Travel Guard is horrible and a waste of money. My flights were canceled due to COVID-19, but Travel Guard will not provide a refund / credit? Feels very sleazy to me.......

Date of experience : July 30, 2020

Steer Clear of this Company

If you are thinking of buying insurance for your travel plans really consider it before you use AIG Travel Guard. VERY LONG (7 month and counting) story short, they are the most unresponsive and careless company I have ever dealt with. Below is a shortened version, because you'd need a whole bottle of wine for the long version, of how our experience with them has been so far. Yes, COVID is slowing everyone down, but COVID has had nothing to do with the service we are receiving. After 5 months of fighting for our refund, they sent to refund check to the wrong address. To an address that doesn't even exist. It was a hybrid address of where we live now (Japan) and where we were living when we bought the plan (Florida.) After calling and confirming the correct address multiple times, they sent it to the wrong one AGAIN. That's twice it was sent to the wrong address. We then called and requested a wire transfer instead since they couldn't manage to get the address correct. Many things weren't done that were supposed to be done on the company's end to get this wire transfer going, and we are still waiting for a wire transfer a month after requesting it. We call almost every day to make sure things are done correctly, and even then simple tasks such as putting in a check cancellation request are not done until the 4th or 5th phone call asking for it. You are not allowed speak to an actual agent or to someone who knows what is going on, even through email. You can only speak to a customer service phone agent who knows nothing about the process and has no power over the process. We have done everything we can think of to talk to someone who can do something from posting on their Facebook page to handwriting a letter and mailing it and come up empty handed each time. We reported them to the Better Business Bureau 3 weeks ago and they still haven't responded to their efforts to talk to someone either.

Date of experience : October 29, 2020

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