We’ve evaluated Travel Guard from AIG as part of our expedition of the very best travel insurer of 2023. This evaluation will cover the pros, cons and functions of AIG Travel Guard to help you choose if it’s the very best travel insurance coverage service provider for you.
Best for Add-Ons
AIG travel insurance coverage stands apart for its variety of add-on choices. Travel Guard uses a security package, animal package, sports package and numerous other add-ons to tailor your travel insurance coverage.
AIG Travel Guard Travel Insurance Pros and Cons
AIG Travel Guard is among numerous insurance coverage companies that support global tourists while they’re abroad. It isn’t your only choice, so let’s have a look at how the business’s policies compare to competitive offerings. Here’s a summary of what you can get out of a Travel Guard travel insurance plan.
- Up to $1 million in evacuation protection
- Plenty of add-on choices
- Optional waiver for pre-existing conditions
- CFAR upgrade does not cover the whole journey
- Premiums can get costly
- Up to $1 million in evacuation protection
- Plenty of add-on choices
- Optional waiver for pre-existing conditions
- CFAR upgrade does not cover the whole journey
- Premiums can get costly
Pros explained
AIG Travel Guard insurance coverage is extremely ranked throughout evaluation platforms. This may be the ideal insurance provider for you if you’re searching for a policy with high protection for medical evacuations, a variety of add-ons and waivers for pre-existing conditions.
$1 million medical evacuation protection
One of the primary factors individuals purchase travel insurance coverage is to spend for an emergency situation medical evacuation. If you get ill or hurt while abroad, you might require to be left for your safety.
With Travel Guard Deluxe from AIG, you get up to $1 million in protection for medical evacuations. Travel Guard Preferred uses $500,000 for evacuations, and Travel Guard Essential uses $150,000. That protection approaches flights and other expenses to get you to a safe area where you can receive premium treatment.
Offers a range of unique add-on protections
AIG Travel Guard Insurance uses a variety of add-on protection choices. These riders can be contributed to your strategy to tailor your journey. These consist of:
- Medical package: This materials additional protection for medical expenses and the choice to pick your medical facility.
- Wedding package: This enables you to cancel your journey if a location wedding event is canceled.
- Pet package: This supplies a day-to-day advantage for the expenses of taking a trip with a dog or cat, plus protection for veterinary expenses.
- Inconvenience package: This covers specific issues that don’t end your journey, such as charge card cancellations, closed tourist attractions and journey hold-ups.
- Adventure sports package: This gets rid of protection exemptions for injuries triggered by severe sports such as diving, sky diving and rock climbing.
- Baggage package: This offers increased protection for luggage loss and hold-ups.
Pre-existing medical conditions waiver available for purchase
If you have a pre-existing condition that might cause medical expenses throughout your journey, Travel Guard uses waivers to extend protection for those costs. The waiver needs to be purchased prior to your journey. It may be beneficial for tourists with persistent conditions, body immune system shortages, and other conditions that can make taking a trip specifically unsafe.
Cons explained
AIG travel insurance coverage isn’t ideal for everybody. Before you purchase a Travel Guard strategy, you ought to know that you can’t get a complete compensation when you cancel for any factor which your premium may be more costly than other choices.
Cancel for Any Reason upgrade just covers 50% of journey expenses
Cancel for any factor (CFAR) policies prevail with travel insurer. This add-on enables you to be repaid no matter why you cancel your journey.
A basic travel insurance coverage strategy just uses repayments for a recommended list of qualified factors for canceling. These consist of medical or weather-related emergency situations and the death of a close relative or taking a trip buddy. But with CFAR, you can cancel under any scenarios and still receive protection — as long as you do so 2 days prior to departure.
Unfortunately, AIG Travel Guard with CFAR just uses a 50% compensation of your pre-paid travel costs. Other business provide a greater compensation portion, so think about whether you desire more extensive defense prior to registering for this insurance coverage.
Expensive premiums
AIG Travel Guard is not the most inexpensive travel insurance provider out there. Your precise premium depends upon numerous aspects, including your location, strategy type, add-ons and age. But based upon our sample quotes, AIG travel insurance coverage strategies are somewhat more costly, usually, than other insurance companies’ strategies.
AIG Travel Guard Travel Insurance Plans
Like searching for the very best travel charge card, selecting the very best travel insurance coverage strategy requires time and research study. The finest strategy will save you money and provide you assurance, while the incorrect strategy might be an unneeded expense. That’s why searching for insurer providing numerous policy choices is finest.
AIG Travel Guard uses 3 primary strategies plus 2 benefit prepare for global travel insurance coverage. Let’s break those choices down in information.
Essential
Travel Guard Essential is a really basic itinerary used by AIG. This affordable strategy includes basic protection for journey cancellations, disruptions and hold-ups. Medical protection increases to $15,000 plus $500 for oral expenses and $200 for lost or harmed luggage.
The Essential strategy is best for a traveler or short-term tourist who wants to compromise extensive protection for a lower insurance coverage premium. The strategy can be intensified with any of AIG’s add-on packages.
Preferred
Travel Guard Preferred is a mid-priced choice for somebody who desires more protection. This policy includes medical protection of as much as $50,000 and evacuation protection of as much as $500,000. Damaged, lost or taken luggage is covered to $1,000.
Deluxe
Travel Guard Deluxe, the most costly strategy used by AIG, includes a wide variety of advantages and consists of security evacuation, missed-connection protection, trip-saver protection and more. This strategy provides to $1 million for a medical evacuation.
Travel Guard Deluxe is a good option for somebody taking a trip to rural or unsafe locations. It covers almost any emergency situation and even consists of robust protection for your recipients in case of a deadly mishap.
Pack N’ Go
AIG’s Pack N’ Go strategy is created for tourists who purchase their insurance coverage at the last minute. There is no cancellation protection, however this strategy provides to $25,000 in medical protection plus $500 for lost or harmed luggage. Buying travel insurance coverage at the last minute is not advised, however this is a valuable choice if you prepare a journey rapidly.
Annual
You can buy a yearly travel insurance coverage strategy through AIG. An yearly strategy is perfect for somebody who takes a trip often, specifically to unsafe locations. With Travel Guard’s yearly strategy, you’ll get:
- Trip hold-up protection: $150 each day, as much as $1,500
- Trip disruption protection: as much as $2,500
- Lost luggage protection: as much as $2,500
- Baggage hold-up protection: as much as $1,000
- Medical costs protection: as much as $500,000 (oral protection as much as $500)
- Accidental death protection: as much as $50,000
- Emergency evacuations and repatriation of remains: as much as $500,000
These advantages use to numerous journeys within the very same year. You can renew your protection every year or cancel at the end of a payment duration. Purchasing a yearly strategy is normally less pricey than guaranteeing 2 journeys separately.
AIG Travel Guard Travel Insurance Pricing
AIG travel insurance coverage is extensive however on the greater end of the rate spectrum. Premiums for Travel Guard Essential and Premium are on par with market requirements. Travel Guard Deluxe is somewhat more costly due to the fact that of the included protection that includes it.
For example, our quote for a month-long holiday in Europe for 2 individuals costing around $5,000 concerned around $300 with Travel Guard Premium and $560 with Travel Guard Deluxe. Add-on packages will include a flat rate to that rate. Our estimates for the very same journey came out to around $150–$300 with other travel insurer.
Of course, that’s simply an estimate. Your precise premium will differ depending upon your travel dates, location, age, variety of individuals in your celebration and other aspects. AIG family travel insurance coverage increases in rate for each relative included.
Talk to an AIG Travel Guard agent to get a customized quote for your travel insurance coverage. You can likewise ask for a fast quote online for a basic price quote.
AIG Travel Guard Travel Insurance Financial Stability
AIG Travel Guard is a recognized insurance coverage service provider and an openly traded business. It has an A score from AM Best, which shows a high degree of monetary strength and stability. AIG likewise has a ranking of A2 from Moody’s and an A+ from Standard and Poor’s. Because Travel Guard is an item of AIG, you ought to anticipate this insurance provider to stay steady in the future.
AIG Travel Guard Travel Insurance Accessibility
Here’s how AIG Travel Guard compares to other leading insurance companies in regards to availability.
Availability
AIG travel insurance coverage uses protection on 6 continents. You can look for your location nation on AIG’s website to make sure protection is available, however keep in mind that not all protection is available in all locations.
When it concerns purchasing travel insurance coverage, AIG is just available to homeowners of the U.S.
Contact details
You can call AIG’s travel insurance coverage contact number whenever to get more details about your policy or demand help. Both of these numbers have 24/7 accessibility:
- U.S. toll-free, 1-855-203-5962
- U.S. and global gather, 1-715-345-0505
If you require to submit an AIG travel insurance coverage claim, you can get in touch with a client service representative online or over the phone. You can likewise reach AIG by mail at:
Travel Guard
3300 Business Park Drive
Stevens Point, WI 54482
User experience
While it does provide a travel-assistance app, this insurance provider isn’t as current with contemporary innovation as other choices. Its Travel Assistance app has 2-star rankings on both Google Play and the App Store and is hard to browse. The website is likewise somewhat complicated and has numerous pages mentioning the very same details. On top of that, AIG travel insurance coverage claims should be submitted straight with a representative.
However, getting a quote on the AIG website is simple. It takes less than a minute, and you don’t require to offer your name or any contact details.
AIG Travel Guard Travel Insurance Customer Satisfaction
AIG Travel Guard gets a high rate of client grievances. It’s ranked 1.01/5 stars with the Better Business Bureau. Some customers report an absence of practical customer care and issues getting their AIG travel insurance coverage refund for a canceled journey.
Keep in mind that these grievances are relatively basic in the travel insurance coverage market. Your specific experience will differ depending upon your strategy and other information.
AIG Travel Guard Travel Insurance FREQUENTLY ASKED QUESTION
What does AIG Travel Guard travel insurance coverage not cover?
- Pre-existing conditions (without an optional waiver)
- Traveling versus your medical professional’s suggestions
- Traveling versus cautions about war or other unsafe conditions
- Trip cancellation due to issues over a COVID-19 break out at home or in your location nation. You might be qualified for cancellation protection if you have actually a verified medical diagnosis of COVID-19 prior to your departure.
What is the AIG Travel Guard declares procedure like?
You sue with AIG by speaking to a representative. This action sets AIG apart from travel insurer that enable you to sue online or with a mobile app. If you like having the ability to talk things out with an individual, this might be an advantage. This might be irritating if you choose a fast and simple online claim. The declares procedure might use up to a couple of months, depending upon the intricacy, however you can inspect the status of your claim online.
Is AIG Travel Guard Travel Insurance worth it?
That depends upon your top priorities. AIG Travel Guard is somewhat costlier than other choices however uses extensive protection for emergency situations and medical expenses. Travel Guard may be worth the cost if you wish to tailor your protection.
How We Evaluated AIG Travel Guard Travel Insurance
We assessed AIG Travel Guard for this evaluation based upon numerous aspects, consisting of:
- Range of strategy choices
- Pricing
- Accessibility
- Customer evaluations and grievances
- Claims filing procedure
- The level of protection for the cost
Summary of Money’s AIG Travel Guard Travel Insurance Review
AIG Travel Guard stands apart for its range of add-ons. Its optional packages enable you to tailor your strategy to satisfy your travel requires. While the Deluxe strategy is a little bit more costly than other choices, Travel Guard might be the ideal option for you if you value versatility and substantial protection.
Whichever insurance plan you pick, make sure to prepare ahead and purchase your insurance coverage far ahead of time. Keep an eye out for other methods to save money on your journey, consisting of the very best travel benefits charge card and take a trip reserving websites.
