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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.

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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 Insurance Review: Is It Worth the Cost?

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What is Travel Guard travel insurance?

What does travel guard cover, travel guard policy overview, what’s not covered by a travel guard travel insurance plan, how travel guard travel insurance compares to its competitors, how much is travel guard travel insurance, how to buy a travel guard travel insurance policy, which travel guard travel insurance plan is best for me, does travel guard travel insurance offer 24/7 travel assistance, how to file a claim with travel guard travel insurance, is travel guard travel insurance worth it, travel guard travel insurance recapped, star rating methodology.

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.

Travel Guard travel insurance is a great option for last-minute travelers. There are four plans from which to choose. Costs are reasonable, and plans allow more customization than you'd normally find on travel insurance policies.

Why trust NerdWallet?

Our Nerdy editorial team aims to be a starting point in your travel insurance research. We default toward transparency and follow a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers and advertising relationships do not influence our ratings. Learn more about our strict editorial guidelines .

Travel Guard offers a variety of plans for prospective customers, including plans oriented toward sports enthusiasts, last-minute travelers and those looking to save money.

Policies issued by Travel Guard are underwritten by National Union Fire Insurance Company of Pittsburgh. According to insurance rating firm AM Best, National Union Fire Insurance Company has a Financial Strength Rating (FSR) of A (excellent). This means it’s unlikely to default on any payments.

Travel Guard travel insurance coverage has a lot of variety. Depending on which plan you pick — Essential, Preferred, Deluxe or Pack N' Go — you’ll have trip protections and some medical coverage.

Generally speaking, here is what to expect when purchasing a Travel Guard policy:

Trip interruption and trip cancellation : These coverages can reimburse you for nonrefundable expenses that you’ve already paid in the event that your trip is canceled or interrupted. Trip cancellation protection is not included in the Pack N' Go plan.

Travel Guard health insurance coverage : This health insurance coverage can pay for costs associated with emergency medical services during your trip.  

Trip delay : Trip delay can cover expenses such as food and accommodation in the event your travel is delayed.

Emergency evacuation : If you need medical care at another facility and need to be evacuated, emergency evacuation can cover the costs. 

Baggage insurance : Baggage insurance includes coverage for lost and delayed luggage, and can reimburse you for the cost of replacing lost items or purchasing new ones in the event of a delay. 

Travel Guard's policies have a broad array of inclusions. It offers three comprehensive single-trip plans that can be customized to meet your travel needs. It also offers a plan designed for last-minute trips that focuses on post-departure coverage — this plan is much more affordable, but offers fewer protections.

The company also offers an annual travel insurance plan if you travel frequently and want year-round protection.

Add-on options

The types of add-ons you can include will vary based on your plan but can include:

Quarantine coverage. 

Adventure sports.

Boarding and medical expenses if your pet gets sick.

Wedding cancellation.

Inclusion of a family member for coverage. 

Cancel For Any Reason (CFAR).

Rental car insurance . 

Medical coverage upgrade.

Evacuation for non-medical reasons. 

Don’t want to shell out for travel insurance? A variety of travel credit cards offer complimentary trip insurance assuming you pay for the trip with your card.

» Learn more: The best travel credit cards right now

Travel Guard offers plenty of options when it comes to customizability, which is great for those who need additional coverage. For example, most insurance policies automatically exclude adventure sports. The same is true for Travel Guard, unless you add on the adventure sports bundle.

You’ll want to be aware that all three of Travel Guard’s comprehensive plans will cover pre-existing conditions. However, the Pack N’ Go plan does not.

Here’s what else isn’t covered:

Coverage for trips paid for with frequent flier 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, you unfortunately won’t qualify for coverage.

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, so they won’t be covered by a Travel Guard policy.

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.

Beyond this, most travel insurance plans have specific exclusions to their coverage, including:

Activities when you’re under the influence of drugs or alcohol.

Extreme sports.

Named storms. 

Participation in athletic events. 

A sample trip for a 36-year-old traveler from Indiana to Canada for 5 days showed that the cheapest Travel Guard plan cost $135. If you were to spring for the premium plan, which increases your coverage limits, expect to pay $236.

When looking across multiple providers, the same sample trip ranges in cost from $10-$202. Note that price isn't the only differentiating factor. Coverage is not identical across plans; each company offers various levels of scope, limits and exclusions.

How much does Travel Guard travel insurance cost? Travel Guard’s travel insurance cost has quite a big spread based on the plan you select.

We generated a quote for a 34-year-old traveler from California heading to Japan for a week, with a total trip cost of $2,700. Here’s how pricing shook out.

A reminder that the Pack N' Go plan is designed for spontaneous trips, so it has less protections for trip cancellation. It also doesn't include the option to get a pre-existing conditions waiver.

Like most travel insurance companies, Travel Guard travel insurance costs much more when you add in greater trip protection benefits.

If you’d like to buy a Travel Guard insurance plan, your best bet is to do so online. The process is simple and efficient and can be done in a matter of minutes. First, you’ll want to head to Travel Guard’s homepage . You’ll be prompted to fill out some personal information to create a quote, including:

Dates of travel.

Destination country.

State of residence. 

When you first made a payment for your trip.

Trip cost. 

Consider comparison shopping

If you're not 100% sold on purchasing a plan from Travel Guard, you can use a travel insurance aggregator to compare policies across multiple companies at once.

To decide which Travel Guard plan is best for you, you’ll want to consider what kind of trip you’re taking.

Look at coverage details

If you don’t need coverage for trip cancellation, Pack N’ Go is significantly cheaper than other options but still provides emergency medical, trip interruption and baggage insurance.

If you’d like to have as much choice as possible, the Deluxe plan offers lots of add-ons, so you can select the ones that fit your needs.

Use existing coverage

Many travel credit cards offer travel insurance, though coverage levels will vary. To qualify for this complimentary insurance, you’ll need to pay for your trip using your eligible card. Common card benefits include trip interruption insurance, baggage delay reimbursement and emergency medical insurance.

» Learn more: How to find the best travel insurance

Yes, Travel Guard provides 24/7 travel assistance. These folks can help you with issues such as finding an English-speaking doctor, helping you after you’ve missed a connection, replacing a lost passport and more.

To reach these services, call 800-927-4357.

If you need to file a claim with Travel Guard, you can either do so online or via phone. The phone number is 866-478-8222.

Online, you can head directly to Travel Guard’s claim form . You’ll need to have your policy number on hand as well as any documentation that you have.

Is Travel Guard travel insurance good? With a variety of plans from which to choose — including one that is significantly cheaper than the others — it’s easy to justify purchasing a Travel Guard policy. To decide whether it’s worth it for you, you’ll want to look at the different policy limits and see which fit your needs.

You’ll also want to do some research; some credit cards offer complimentary travel insurance, which may mean you don’t need to buy a policy at all. Some health insurance plans also offer coverage when you’re overseas , so be sure to ask your insurance provider.

If you’re already at the airport (or on a connection) and your flight is canceled, you may have coverage via trip delay insurance. This coverage can help repay costs such as food, lodging and toiletries.

The time it takes for you to receive a refund for a claim will depend on a variety of factors. It’s best practice to provide as much information as possible when submitting the claim to make the process go smoothly. You can also check the status of your existing claim online .

The medical insurance offered by Travel Guard is primary; otherwise, you’ll want to check your plan documents to see which coverages are primary versus secondary.

Yes, Travel Guard insurance covers instances of COVID.

The time it takes for you to receive a refund for a claim will depend on a variety of factors. It’s best practice to provide as much information as possible when submitting the claim to make the process go smoothly. You can also check the status of your existing claim

» 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 insurance

NerdWallet's ratings for travel insurance companies take into account the following details about each insurer:

Scope of coverage.

Customizability.

Consumer experience and complaints.

The best travel insurers excel in all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and allow customers to customize plans to meet their coverage preferences. They're also able to keep their customers happy throughout the relationship.

Data collection and review process

NerdWallet collects over a dozen data points for each insurer we analyze from their public-facing websites and third-party analyses. These data points are then compared against one another and against NerdWallet's standards for good travel insurance companies to determine a star rating.

Data is collected on a regular basis and reviewed by our editorial team for consistency and accuracy. Final star ratings are presented on a scale of one to five stars, where a one-star score represents "poor" and a five-star score represents "excellent."

The reviews team

The writers and editors behind NerdWallet's travel insurance reviews are insurance specialists who have had their work featured by or appear in The Associated Press, The Washington Post, The New York Times, the Chicago-Sun Times, U.S. News & World Report and the Society for Advancing Business Editing and Writing. Each writer and editor follows NerdWallet’s strict guidelines for editorial independence .

In addition to travel insurance, the team covers travel rewards programs, airlines and hotels.

Rating specifics

Our star ratings are weighted based on our editorial and professional opinions. We use the following weightings when rating travel insurers:

Scope of coverage (25%).

Customizability (25%).

Consumer experience and complaints (25%).

Cost (25%).

Scope of coverage ratings are based on assessments of a company’s standard protections, including:

Travel medical insurance.

Trip cancellation.

Trip interruption.

Trip delay.

Baggage and personal belongings, lost luggage.

Emergency medical assistance.

Emergency medical evacuation.

Emergency medical repatriation.

Accidental death and dismemberment insurance.

Rental car coverage.

Customizability ratings factor in whether coverage limits are fixed prices or a percentage of the trip cost (the percentage is generally better), whether a policy has customizations available, and the number of bonus features.

24-hour assistance.

Pre-existing medical conditions coverage.

Extreme sport coverage.

CFAR add on availability.

Travel health insurance.

Interruption for Any Reason.

Travel Inconvenience.

Cancel for Work Reasons.

Electronics coverage.

Consumer experience ratings are based on provider reviews on Squaremouth.com. If the company is not in the Squaremouth database, we default to Google reviews.

Affordability ratings are based on the percentage of total trip cost a plan costs a policyholder. Less than 4% is considered excellent, whereas over 9% is considered poor.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

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

No annual fee: Wells Fargo Autograph℠ 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.

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.

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.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

High Court Overturns Special Court Order Allowing Indrani Mukerjea To Travel Abroad

Former media executive indrani mukerjea, accused of killing her daughter sheena bora, had sought permission to travel abroad claiming that she needed to change certain bank-related documents..

The Bombay High Court on Friday quashed an order passed by a special court granting permission to former media executive Indrani Mukerjea, accused of killing her daughter Sheena Bora, to travel abroad. A single bench of Justice Shyam Chandak allowed a petition by the CBI against the special court order on the grounds that Mukerjea was facing trial for a serious offence and that there was a possibility of her fleeing the country.

"The petition is allowed. The impugned order is set aside," the court said.

A special CBI (Central Bureau of Investigation) court had on July 19 allowed Mukerjea to travel once to Europe (Spain and UK) for ten days between intermittent periods over the next three months.

Mukerjea had sought permission to travel abroad claiming that she needed to change certain bank-related documents and other ancillary work after her divorce with former media honcho Peter Mukerjea.

Justice Chandak said that if Indrani Mukerjea wants to carry out the work from India then the statutory authority concern shall help her.

The bench clarified that it has not made any remark on the merits of the case but has only noted that the special court order was not reasonable, and hence unsustainable.

While granting permission, the special court had also laid down certain conditions for Indrani Mukerjea.

During her foreign travel, she would attend the office of the Indian Embassy or its allied diplomatic mission offices at least once during her visit and obtain an attendance certificate, the court had said.

The court also directed her to furnish a security deposit of Rs 2 lakh.

Indrani Mukerjea was arrested in August 2015 after the murder of Sheena Bora came to light. She walked out of jail in May 2022 on being granted bail by the Supreme Court.

Bora (24) was allegedly strangled to death in a car by Indrani Mukerjea, her then-driver Shyamvar Rai and former husband Sanjeev Khanna in April 2012 in Mumbai. Her body was then burnt in a forest in the neighbouring Raigad district, as per the prosecution.

Bora was Indrani Mukerjea's daughter from a previous relationship.

The killing came to light only in 2015 when Rai disclosed it during interrogation by police after his arrest in a separate case registered under the Arms Act.

Indrani's ex-husband Peter Mukerjea was also arrested for allegedly being a part of the conspiracy linked to Sheena Bora's murder.

Promoted Listen to the latest songs, only on JioSaavn.com

All the accused are currently out on bail. The CBI probed the Bora murder case. 

(Except for the headline, this story has not been edited by NDTV staff and is published from a syndicated feed.)

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Travel Guard Travel Insurance Review 2024

Updated: Feb 28, 2024, 7:42am

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

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

Table of Contents

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

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

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

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

Featured Partner Offer

World Nomads Travel Insurance Review

On World Nomad’s Website

Emergency medical

$5 million, $10 million

Cancel For Any Reason (CFAR)

Baggage insurance (Maximum)

$1,000, $3,000

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

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

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

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

Eligible emergency medical expenses include:

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

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

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

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

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

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

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

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

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

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

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

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

TravelSafe Travel Insurance Review

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

Related: TravelSafe Travel Insurance Review

• CAA Travel Insurance

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

Related: CAA Travel Insurance Review

TuGo Travel Insurance

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

Related: TuGo Travel Insurance Review

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Depending on your coverage, worldwide travel assistance services include:

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

Personal security assistance includes:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

To be eligible for Travel Guard Travel Insurance you must:

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

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

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

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

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

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

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

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

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

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

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

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

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

Travel Guard Travel Insurance FAQs

Does travel guard travel insurance pay for medical costs upfront.

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

Does Travel Guard Travel Insurance offer coverage extensions?

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

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

Does Travel Guard Travel Insurance require a medical questionnaire?

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

Does Travel Guard Travel Insurance have any age restrictions?

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

When does my coverage with Travel Guard Travel Insurance begin?

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

Does Travel Guard Travel Insurance offer a free look period?

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

Can I get a refund with Travel Guard Travel Insurance?

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

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

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

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

Courtney Reilly-Larke is the deputy editor of Forbes Advisor Canada. Previously, she was the associate editor of personal finance at MoneySense. She was also managing editor of Best Health Magazine and has contributed to publications such as Cottage Life and Blog TO. She currently lives in Toronto.

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AIG Travel Insurance: The Complete Guide

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

For decades, AIG Travel , part of American International Group, Inc., has provided travel insurance options for many travelers. Marketed under Travel Guard, the company offers travel insurance solutions and travel-related services, including medical and security services, marketed to both leisure and business travelers around the globe.

If you have purchased a trip insurance plan in the past, it may have been provided by AIG Travel without you even knowing it: the company also creates custom policies for several smaller insurance brokers, airlines and even travel groups. Is AIG Travel the right company for your trip? 

About AIG Travel

AIG Travel is a member of American International Group, Inc., a global insurance company that provides everything ranging from property casualty insurance, life insurance, retirement products, and other financial services. Travel Guard is the marketing name that AIG Travel uses to advertise its portfolio of products.

Today, the company is headquartered in Stevens Point, Wisc., and serves travelers in 80 countries and jurisdictions through eight wholly-owned global service centers in key regions, including Houston, Texas; Stevens Point, Wisc.; Kuala Lumpur, Malaysia; Mexico City, Mexico; Sofia, Bulgaria; Okinawa, Japan; Shoreham, England; and Guangzhou, China. 

How Is AIG Travel Rated?

AIG Travel policies are underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., another subsidiary of AIG. As of June 2018, the policy writer has an A.M. Best A rating, putting them in the “Excellent” credit category with a stable outlook.

For customer service, AIG Travel is highly rated on three major travel insurance marketplaces online. With more than 400 reviews, AIG Travel has a five-star rating from TravelInsurance.com , with a 98 percent recommendation rate. Customers of InsureMyTrip.com give the company 4.56 stars (out of five). Although Squaremouth.com no longer offers AIG Travel policies anymore, previous customers gave the company 4.46 stars (out of five), with less than one percent negative reviews. 

What Travel Insurance Does AIG Travel Offer?

AIG Travel offers four plans for consumers, based on their needs and travel plans: Basic, Silver, Gold, and Platinum. Although the Basic plan is not available direct through AIG Travel, it can be purchased through marketplaces like TravelInsurance.com. All travel insurance plans include travel medical assistance, worldwide travel assistance, LiveTravel® Emergency Assistance, and personal security assistance, but only take effect when travelers are at least 100 miles away from home.

Please note: All schedules of benefits are subject to change. For the most up-to-date coverage information, contact AIG Travel.

• Travel Guard Basic: Travel Guard Basic is the lowest level of coverage available through AIG Travel Guard, with the smallest benefits for trip cancellation , trip interruption , and trip delay. The basic plan offers 100 percent coverage of trip cancellation or trip interruption events (up to $100,000), but has very low coverage ceilings for return airfare due to trip interruption ($500 maximum), trip delay (maximum of $100 per day, up to $500), baggage loss ($500 before a $50 deductible) and baggage delay ($100 maximum). The basic plan includes an optional rental car damage policy for an additional price but does not include options for a pre-existing medical condition exclusion waiver or accidental death and dismemberment. Read the schedule of benefits here.
• Travel Guard Silver : Travel Guard Silver is the lowest level of coverage available directly through AIG Travel Guard. Described as “savvy coverage that helps give you peace of mind on a budget,” Travel Guard Silver offers more generous benefits for baggage delay and baggage loss ($750; $50 deductible) and accident sickness medical expenses ($15,000; $50 deductible). This plan also offers optional coverage for pre-existing medical condition exclusion waivers, trip cancellation or interruption due to financial default and additional flight coverage. Typically, travelers who elect to purchase Travel Guard Silver over Travel Guard basic can expect to pay around 2.5% more. Read the schedule of benefits here.
• Travel Guard Gold : The most popular plan offered by AIG Travel Guard, Travel Guard Gold balances insurance costs with benefits. The Gold plan offers more money for trip interruption (150 percent, up to $150,000 maximum), return airfare due to trip interruption (the greater of $750 or 150 percent of the trip cost) and trip delay coverage ($150 per day maximum, up to $750 total). This plan also introduces several additional benefits, including baggage and travel document loss (up to $1,000), baggage delay ($300) and missed connection coverage (up to $250). When purchasing within 15 days of the initial trip payment, travelers may also be covered for pre-existing condition waivers, trip cancellation or interruption due to financial default and primary coverage for accident sickness medical expenses. Optional coverage levels include Cancel for Any Reason insurance (up to 50 percent of insured trip costs), car rental collision coverage and upgrades for medical expense and emergency evacuation coverage. Before any optional coverage, expect to pay 20 percent more for Travel Guard Gold compared to Travel Guard Silver. Read the schedule of benefits here.
• Travel Guard Platinum : Travel Guard Platinum is the highest level of coverage offered by AIG Travel Guard, with the biggest benefit levels. In addition to trip cancellation and trip interruption benefits, travelers can receive up to $1,000 for return air travel due to trip interruption, trip delay benefits of up to $200 per day ($1,000 maximum) and up to $500 in missed connection benefits. Like Travel Guard Gold, travelers who purchase their policy within 15 days of their initial trip payment may also receive the pre-existing medical condition exclusion waiver, trip cancellation or interruption coverage due to financial default, primary accident sickness medical expense coverage and primary baggage and personal effects coverage. Optional policy add-ons include Cancel for Any Reason (up to 50 percent of insured trip costs), car rental collision coverage, and medical coverage upgrades. Because Travel Guard Platinum is the highest level of coverage available, it is also the most expensive: travelers should expect to pay between 50 and 60 percent more than Travel Guard Gold before any additional add-on coverage.  Read the schedule of benefits here.

What Won't AIG Travel Cover?

While AIG Travel offers plans to cover many common travel issues, they will not necessarily cover everything. Excluded situations include:

• Self-inflicted injuries: If you are in crisis while traveling, there are ways to get help anywhere around the world. Note that mental health care may not be covered by your travel insurance plan .
• Pregnancy or childbirth: In many situations, pregnancy or childbirth are not covered under AIG Travel plans.
• Dangerous activities: Planning on mountaineering, going motor racing, or participating in a professional-level athletic event? All of these situations are not covered under AIG Travel plans.
• Baggage loss for items seized by governments or customs officials: Before you return home, be sure to understand what may (or may not) be allowed in your home country. If you believe your items were stolen by customs or Transportation Security Administration officials , there is a separate protocol for reporting those losses.
• Baggage loss for eyeglasses, sunglasses, or hearing aids: Loss or replacement of prescription vision wear is not covered by AIG Travel.

This is just an abbreviated list of situations that may not be covered under AIG Travel trip insurance plans. For a full list, refer to the schedule of benefits of each plan, which are linked in the above content.

How Do I File a Claim With AIG Travel?

Travelers who purchased an AIG Travel plan in the United States can start their claims online . After starting an account online, travelers can file claims for the most common situations, including trip cancellation, baggage loss, and trip delay. Policyholders can also find documentation requirements online , as well as receive updates online. Those who have questions about their policies or claims can call AIG Travel direct at +1-866-478-8222.

The online claims tool is only available for American travelers who purchased their travel insurance plans in the United States. All other travelers should contact AIG Travel directly via their provided telephone number to start the claims process.

Who Is AIG Travel Best For?

At the Basic and Silver levels, AIG Travel is a very basic-level travel insurance plan that may cover those who do not already have trip coverage through a credit card or otherwise have access to a trip insurance plan. Before considering either of these AIG Travel plans, be sure to check that you don't already have coverage through the credit card used to pay for your trip.

If you are planning a major international trip, or are going on a big trip aboard a cruise line, AIG Travel Gold and Platinum may offer better coverage than a credit card. With large benefit levels and coverage already built in for pre-existing conditions when purchased within the first 15 days of an initial travel payment, Gold and Platinum can be a better bet for those who are spending money on a big vacation and want to make sure their trip runs smoothly.

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The following companies are our partners in Travel Insurance: Travel Guard Insurance , Allianz Global Assistance , TravelInsurance.com , Seven Corners , Generali Global Assistance , Trawick International , Squaremouth , Tin Leg , Faye , and Faye2 .

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Overall rating: 4 / 5 (very good), travel guard insurance plans & coverage, coverage - 4 / 5, emergency medical coverage details, baggage coverage details, travel guard insurance financial strength, financial strength - 3.8 / 5, travel guard insurance price & reputation, price & reputation - 3.8 / 5, travel guard insurance customer assistance services, extra benefits - 4.3 / 5, travel assistance services.

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Cancel your Flight Booking Cancel your Hotel Booking Cancel your Car rental Cancel your Vacation Packages Cancel your Cruise Booking

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View your itinerary, cancel a booking, or manage a trip yourself by logging in to “ My Trips ”.

Learn how to use Membership Rewards ® points for your next booking.

Eligible Platinum Card Members can get up to  $200 back in statement credits each year for prepaid Fine Hotels + Resorts ® bookings or The Hotel Collection bookings of two nights or more through American Express Travel when you pay with your eligible Platinum Card. 

How-to Videos

Learn how to use Membership Rewards ® Pay with points for all or part of your flight, prepaid hotel, prepaid car rental, vacation packages (flight and prepaid hotel), or prepaid cruise booking through AmexTravel.com

How to Manage My Trip

Learn how to view your itinerary or cancel an existing booking, understand seat and baggage options, and more within My Trips. 

How to Redeem an eTicket Flight Credit Online

If you have an eTicket Flight Credit from a flight originally purchased through AmexTravel.com, learn how to redeem it online.