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AIG Travel Guard Travel Insurance Review: Types of Policies Offered
Here's a look at what you'll get with each plan:
| Coverage | Travel Guard Essential | Travel Guard Preferred | Travel Guard Deluxe |
| Trip Cancellation | 100% ($100K max) | 100% ($150K max) | 100% ($150K max) |
| Trip Interruption | 100% ($100K max) | 150% ($225K max) | 150% ($225K max) |
| Trip Delay | $500 ($100/day) | $800 ($200/day) | $1,000 ($200/day) |
| Trip Delay-Return Transportation Only | $500 | $750 | $1,000 |
| Trip Exchange | N/A | 50% ($75k max) | 50% ($75k max) |
| Missed Connection | N/A | $1,000 | $1,000 |
| Trip Saver | N/A | $2,500 | $2,500 |
| Travel Inconvenience | N/A | $750 ($250 limit per coverage) | $750 ($250 limit per coverage) |
| Baggage Insurance | $750 | $1,000 | $2,500 |
| Baggage Delay | $200 | $300 | $500 |
| Travel Medical/Dental | $15K/$500 | $50K/$500 | $100K/$500 |
| Emergency Evacuation | $150K | $500K | $1 million |
| Security Evacuation | N/A | N/A | $100K |
| Flight Guard | N/A | N/A | $100K |
| Accidental Death/Dismemberment | $30K | $30K | $30K |
| Ancillary Evacuation Benefits | N/A | $5,000 | $5,000 |
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,
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
- Trip interruption coverage up to $2,500
- Trip delay coverage up to $1,500 ($150 per day maximum)
- Missed connection coverage 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,
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
Are AIG and Travel Guard The Same?
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.
What Is Covered under AIG Travel Insurance?
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.
Does AIG Cover Trip Cancellation?
Yes.
AIG Travel Guard Cost
Getting a quote from
- 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
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.
AIG Travel Guard
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
AIG Travel Guard
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.
AIG Travel Guard
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
Compare AIG Travel Guard
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
In addition,
The
In comparison, the
The high-tier Prime Plan from
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
The most similar plan from
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.
Why You Should Trust Us: How We Reviewed AIG Travel Guard
In reviewing
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.