AIG Travel Guard Deluxe Travel Insurance - 2020 Review
In this review, we highlight the features and benefits of the AIG Travel Guard Deluxe Travel Insurance policy. AIG Travel Guard Travel Insurance is a valued partner of AARDY.
AIG Travel Guard trip insurance plans use dynamic pricing based on the traveler’s state of residence, age, trip cost, trip duration, and length of time between policy purchase and date of travel. Pricing can fluctuate from day to day.
The policy price includes one child per adult at no cost.
AIG Travel Guard Deluxe is ideal for international and adventure travel with robust Medical Insurance, Medical Evacuation, comprehensive Cancellation/Interruption protection, and a Pre-existing Medical Condition Waiver.
AIG Travel Guard Deluxe Features
Now, let’s inspect the AIG Travel Guard Deluxe trip insurance plan.
AIG Travel Guard Deluxe offers its highest level of Medical coverage and provides adequate medical coverage for travel outside of the US.
The Deluxe plan reimburses your trip cost if you must cancel your trip for a covered reason.
The most common covered reason for cancellation is an unforeseen injury, illness, or death of the insured, family member, or traveling companion.
It is important that you read the policy certificate carefully for the details on these benefits.
If you must cancel your trip for a covered reason, the policy reimburses you for 100% of the trip cost.
Likewise, if you must curtail your trip due to a covered reason, like a family emergency back home, the policy provides a refund for the unused portion of the trip, plus the added cost to return home early.
Later in this article, you’ll find more detail about the covered reasons for cancellation and interruption.
Travel Medical Insurance and Medical Evacuation – AIG Travel Guard Deluxe
No one likes to consider the risks of travel, but US overseas travelers experience accidents that occur every day.
We consistently advise travelers to purchase at least $100,000 of Emergency Medical Insurance and $250,000 Medical Evacuation when heading out of the US. We feel these are the most appropriate minimum amounts in an overseas trip insurance policy.
These recommended limits ensure that you are fully covered if you are seriously injured or ill during your trip.
AIG Travel Guard Deluxe gives you peace of mind that you won’t be responsible for costly medical treatment you may need during your vacation.
We recommend AIG Travel Guard Deluxe among the insurance products most appropriate for international travel.
Pre-existing Conditions Coverage – AIG Travel Guard Deluxe
All AIG Travel Guard plans include a Waiver of Pre-Existing Medical Conditions. This waiver guarantees that any Pre-Existing Condition, which would normally be excluded, is covered by the policy.
It is part of the policy when purchased within 15 days of your initial trip payment or deposit.
We encourage all travelers to secure a trip insurance policy with a Medical Waiver because it closes a gap in coverage.
Pre-existing Medical Condition Waivers are embedded in the policy and have no additional cost for the insured. When you buy Travel Insurance promptly after your first trip deposit or payment (within 15 days), the Waiver is included.
AIG Travel Guard plans are robust and worthy of consideration in any travel insurance comparison.
Travel Insurance Benefits – AIG Travel Guard Deluxe
These are the Maximum Limits Per Person listed in the AIG Travel Guard Deluxe plan:
100% of trip cost up to a maximum of $150,000*
150% of trip cost up to a maximum of $225,000**
Trip Interruption – Return
& Sickness Medical Expense
Medical Coverage Type
Primary Medical Insurance
Available if purchased within 15 days of initial trip payment date
& Personal Effects
$250, after a 24-hour delay
Up to $200/day to a maximum of $1,000, after 5-hour delay
$250 per incident, max $750
Accidental Death &
*The trip cancellation benefit is determined by the amount of your trip you elect to protect, up to the maximum benefit stated above.
**The trip interruption benefit is determined by the amount of trip cancellation benefit purchased. All benefits are per insured person.
Covered Perils – AIG Travel Guard Deluxe
Emergency Sickness/Illness/Injury/Death – Yes
Hijacking, Medical Quarantine, Subpoena or Jury Duty – Yes
Home uninhabitable due to fire, flood, burglary or Natural Disaster – Yes
Direct involvement in a documented traffic accident while en route to your departure – Yes
Organized Labor Strike – Yes
Terrorist Incident – Yes
Inclement Weather and Natural Disaster – Yes
Hurricane at Destination – Yes
Revocation of previously granted military leave – Yes
Financial Default of Travel Supplier – Yes
Theft of passport or visa that prevents departure – Yes
Mandatory evacuation ordered by government authorities due to adverse weather and Natural Disaster – Yes
Additional Information – AIG Travel Guard Deluxe
Maximum Age Insured
No maximum age
Yes, available if you purchase the policy within 15 days of your initial trip payment.
Condition Review Period
Available in the first 15 days of the effective date of the travel insurance or scheduled departure date.
date plan can be purchased
1 day prior to the scheduled departure date
Emergency Travel Assistance
Trip Cost to be insured
At least 100 miles
Cancel For Work Reason
AIG Travel Guard Deluxe also protects you with a number of work-related benefits.
The policy includes Trip Cancellation and Trip Interruption benefits if:
- Traveler is required to work during the planned vacation
- Laid off or terminated before departure
- Involuntary employer-initiated transfer of 100 miles or more
- Disabling injury, illness, or death of a business partner
- Traveler called to active duty military service or leave revoked/reassigned
Cancel For School Reason
The policy includes Trip Cancellation and Trip Interruption benefits if:
- School year extended to or beyond the departure date
- Required to take academic exam during the trip
- A traveler is required to participate in a scholastic sporting, theatrical, or musical event during the trip
AIG Trip Exchange
The AIG Travel Guard Deluxe provides a Trip Exchange benefit.
Trip Exchange reimburses up to 50% of the trip cost (maximum of $75,000) for the following:
- If you cancel the trip due to a reason covered under Trip Cancellation; and
- You choose to transfer your reservation from the canceled trip to a future trip with the same travel supplier; and
- Your future trip costs more than the canceled trip
The policy reimburses you for:
- The difference in cost between your original reservation and your new reservation
- Change fees paid to transfer your reservation
- Cancellation penalties for reservations that can’t be transferred
- The cost paid for your AIG Travel Guard Deluxe policy
It is important to note that Trip Cancellation and Trip Exchange benefits cannot be combined.
AIG Trip Saver
Trip Saver reimburses you if you must begin the trip sooner than your scheduled departure date. If inclement weather causes the common carrier to either change your departure date to an earlier date or change your departure location, Trip Saver prevents you from having to cancel your entire trip.
Benefits will be paid for:
- Reasonable additional expenses, up to your original scheduled departure date; and
- Additional transportation expenses incurred for travel to your destination or to a place where you can continue your trip
AIG Travel Inconvenience
If you experience a Travel Inconvenience, the policy reimburses you one occurrence of each unforeseen event.
The maximum limit payable between all events will not exceed the Inconvenience Benefit limit shown ($250 for each situation with a $750 max per person).
- Closed Attractions
- Missing Work
- Flight Delay
- Runway Delay (12 hours)
- Flight Cancellation
- Cruise Diversion
- River Cruise Diversion
- Rental Vehicle Breakdown
- Bed Rest
- Hotel Infestation
- Hotel Construction
- Baggage Delay (24 hours)
- Trip Delay (12 hours)
- Rental Home Lockout (3 hours)
- Credit/Debit Card Cancelled
This benefit is different from the Travel Delay benefits.
AIG Security Protection
AIG Travel Guard Deluxe includes these security benefits:
- Up to $100,000 Security Evacuation
- Up to $100,000 Flight Guard (accidental death or dismemberment on a flight)
- Trip Cancellation or Trip Interruption due to civil disorder or riot
Ancillary Evacuation Benefits
AIG Travel Guard Deluxe provides supplementary evacuation benefits for additional scenarios such as:
- Return Transportation
- Return of Children
- Bedside Visit
- Bedside Traveling Companion
- Baggage Return
AIG Travel Assistance
These are just a few of the services Travel Guard provides:
Travel Medical Assistance – Services that arrange medical transportation, repatriation of remains, return transportation, prescription replacement, relay medical information to family back home, arrange for hospital bedside visitor.
Worldwide Travel Assistance – Helps with any travel emergency, such as lost baggage search, replace stolen luggage, lost passport/travel documents, emergency cash transfer, emergency telephone interpretation
Emergency Travel Assistance – rebooking flights, emergency return travel arrangements, rental vehicle roadside assistance and return, and missed connection coordination.
Concierge Services – A personal assistant helps you with restaurant and hotel reservations, ground transportation arrangements, event ticketing, and even sending floral arrangements.
Personal Security Assistance – Services include the arrangement of evacuations, safety advisories and more.
Identity Theft Assistance – Assist identity theft victim with ordering and reviewing credit bureau records, investigating financial accounts, communication with creditors, and collaboration with law enforcement.
Insurance coverage is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania Insurance Company, NAIC No. 19445 with its principal place of business at 175 Water Street, 15th Floor, New York, NY 10038 and currently authorized to transact business in all states and the District of Columbia.
The amount of benefits provided depends upon the plan selected. Premium is based on the traveler's age and the trip cost. Rates are subject to change at any time.
You can purchase the plan any time after 15 days of the initial trip booking, but you will not be eligible for the Pre-existing Condition Waiver. Other benefits will apply as per the terms and conditions of the policy.
The Policy will contain reductions, limitations, exclusions and termination provisions. Full details of coverage are contained in the Policy. If there are any conflicts between the contents of this document and the Policy, the Policy will govern in all cases.
Coverage may not be available in all states.
This is only a summary of the AIG Travel Guard Deluxe program. Please read the policy carefully to fully understand the coverages, terms, conditions, limits, and exclusions. Not all plans or coverages are available in every state. This summary does not replace or change any part of your policy. If there is a conflict between this summary and the policy, the policy will control.
What if I buy it and decide the coverage isn’t right for me?
You may cancel this insurance by giving the company or AARDY written notice within the first to occur of the following:
- 15 days from the effective date of your insurance; or
- Your scheduled departure date.
If you do this, the company will refund your premium paid provided no insured filed a claim under this certificate.
The refund option may not be available in all states. Check the certificate for details.
If I already have medical coverage, why do I need to pay for it again within travel insurance coverage?
Many domestic health insurance plans have limited or no coverage for overseas travel. If you have an HMO-type health insurance plan, coverage limitations may also apply within the United States.
Check directly with your health insurance provider if you are uncertain of your coverage when away from home.
We recommend at least $100,000 Medical Insurance for overseas trips. AIG Travel Guard Deluxe includes $100,000 Medical Insurance per person.
What is a Pre-existing Condition?
A Pre-Existing Condition is an injury, sickness, or other condition of you, your traveling companion, family member, host at the destination, or business partner to which any of the following apply and which occur within the last 90 days prior to and including the date of purchase of this plan:
Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication unless the change is:
Death resulting from a pre-existing medical condition will not be excluded. The death must occur prior to the termination date of the benefit under which the claim is being made.
Can the Pre-Existing Condition Exclusion be waived?
The Company will waive the pre-existing medical condition exclusion if the following conditions are met:
- This plan is purchased within 15 days of initial trip payment; and
- The insured is medically able to travel when the plan is purchased; and
- The amount of coverage purchased equals all trip costs (up to the maximum shown in the Schedule) including any subsequent arrangements made for the same trip. The Insured must update the coverage to include the additional cost of the subsequent arrangements within 15 days of payment to the travel supplier.
What situations are covered under the Trip Cancellation benefit?
Covered reasons for AIG Travel Guard Deluxe include:
- You, a family member, traveling companion, business partner, or host at the destination becomes sick, injured, or dies.
- The insured or traveling companion is hijacked, quarantined, subpoenaed, required to serve on a jury, or required to appear as a witness in a legal action; provided the insured or traveling companion is not a party to the legal action or appearing as a law enforcement officer.
- The insured or traveling companion, or host at the destination is called to active military service or as a reservist, or military leave is revoked or reassigned. The military leave for the dates of travel must be approved prior to the effective date of coverage
- The insured or traveling companion, (or if the insured is a child, the insured’s parent or legal guardian), is involuntarily terminated or laid off from their employment. The termination notice must occur at least 30 days after the Insured’s effective date of coverage. The employee must have been an active employee with the same employer for at least 1 year. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons.
- The insured or traveling companion (or, if the insured is a child, the insured’s parent or legal guardian), has an involuntary employer-initiated transfer of 100 or more miles which requires the insured’s primary residence to be relocated; provided that he or she has been an active employee with the same employer for at least 1 year. notification of the transfer by the employer to the insured must occur after the effective date of coverage.
- The insured’s or traveling companion’s primary residence is made uninhabitable, or the destination is made uninhabitable or inaccessible, by natural disaster (other than a hurricane), fire, vandalism, or burglary.
- A named hurricane making the insured’s primary residence uninhabitable, or making the destination inaccessible or uninhabitable. Coverage for a hurricane applies only if insurance was purchased prior to the tropical storm first being upgraded to a hurricane.
- The insured or traveling companion is delayed due to a traffic accident while en route to the insured’s destination. the traffic accident must be substantiated by a police report.
- The insured is required to work during his/her scheduled trip. He/she must provide proof of requirement to work, such as a notarized statement signed by an officer of his/her employer. In the situation of self-employment, proof of self-employment and a notarized statement confirming that the insured is unable to travel due to his or her job obligations will be required. The insured must be employed by the company at the time the policy is purchased and must have vacation approved for the dates of travel prior to the effective date of coverage.
- The insured is a full-time teacher, other full-time employee, or a student at a primary or secondary school and is required to complete an extended school year that falls on or beyond the departure date.
- The insured is required to take an academic examination on a date that has been fixed after the effective date of coverage, and the date falls during the trip.
- The insured’s required participation in a scholastic sporting, theatrical, or musical event on a date that has been fixed after the trip cancellation coverage effective date and falls during the trip. This requirement must be documented in writing by a school representative.
- The insured or traveling companion has complications of pregnancy or a normal pregnancy or childbirth. The onset of these conditions must occur after the Insured’s effective date of coverage and must be verified by medical records.
- The insured or a traveling companion is the victim of a felonious assault within 10 days prior to the departure date.
- Mental or psychological disorders of an insured or traveling companion requiring inpatient hospitalization for 5 or more consecutive days which results in medically imposed travel restrictions as certified by a physician at the time of loss.
- The insured, traveling companion or family member is confined in an inpatient rehabilitation facility for the purpose of overcoming addiction within 30 days prior to scheduled departure date.
- Financial default of a travel supplier; provided the financial default occurs more than 14 days following the insured’s effective date for the trip cancellation benefit. There is no coverage for the Financial Default of any person, organization, agency, or firm from whom the Insured purchased travel arrangements supplied by others.
- Strike causing cancellation or delay of the Insured’s pre-arranged travel services.
- Inclement weather causing cancellation or delay of the insured’s trip.
- A terrorist incident in a city listed on the insured’s itinerary within 30 days of the insured’s scheduled arrival.
- Cancellation of a trip or delay of a common carrier as a result of a riot or civil disorder
- Mechanical/equipment failure of a common carrier which results in a delay of the insured’s trip for at least 72 consecutive hours.
- Complete or partial closure of the air traffic control tower or the airport from which the Insured is scheduled to depart. Closure must be caused by fire or a power outage and must result in a delay of the Insured’s Trip for at least 48 consecutive hours. Does not apply to closures caused by a Natural Disaster or Inclement Weather.
- The destination is under a hurricane warning as issued by the NOAA hurricane center within 3 days of the scheduled departure date. Cancellation of the trip must occur more than 14 days following the insured’s effective date of the trip cancellation benefit.
- cancellation of the insured’s scheduled cruise by the travel supplier, due to insufficient or excessive water levels in the body of water where the cruise is scheduled to sail. If the travel supplier provides an alternate mode of transportation rather than cancelling the cruise, this benefit does not apply.
- The insured is on a list as a donor or recipient for an organ transplant and, after the effective date of coverage, receives official notification that an organ match is available for immediate transplant. The transplant must be considered medically necessary, and a physician must confirm that the transplant and/or surgery is so disabling as to prevent travel
- The insured or traveling companion is traveling for the purpose of adopting a child, but the adoption is cancelled for reasons beyond the insured’s control. The adoption must be approved prior to the effective date of coverage.
For a complete list of covered perils please refer to your policy certificate.
What events are covered under the Trip Interruption benefit?
The difference is that Trip Interruption applies after your trip starts. You receive reimbursement for any prepaid, non-refundable, and unused travel costs.
Coverage also applies to any additional transportation expenses incurred while returning home early from your trip or rejoining your trip.
What does Baggage Delay cover?
This benefit reimburses up to $250 for the purchase of necessary personal effects if your baggage is delayed for 12 hours or more during a trip.
- Toiletry items
- Expense to clean the clothing items purchased
Necessary personal effects do not include jewelry, perfume or alcohol.
Incurred expenses must be accompanied by receipts.
Is the loss of baggage covered?
AIG Travel Guard Deluxe covers loss and damage of baggage and personal effects up to $2,500.
The company will reimburse the insured up to:
- $500 for the first item and thereafter
- $250 per each additional item
- $500 aggregate on all Losses to jewelry, watches, furs, cameras and camera equipment, camcorders, computers, electronic devices, including but not limited to laptop computers, cell phones, electronic organizers and portable CD players.
Items over $150 must be accompanied by original receipts.
The company will pay the lesser of:
- The cash value (original cash value less depreciation) as determined by the company, or
- The cost of replacement
The Baggage coverage maximum limit also includes:
- Losses due to unauthorized use of the insured’s credit cards if they are lost or stolen during the trip. However, this benefit will not apply if the insured has failed to comply with all requirements imposed by the issuing credit card companies; and
- The cost to replace the insured’s passport or visa if it is lost, stolen or damaged during the Trip. The loss, theft or damage must be documented by a police report.
What does the Travel Delay benefit cover?
The Company will reimburse the Insured up to $200 per day ($1,000 max) for expenses of:
- Essential telephone calls
- Local transportation (taxi fares, mass transit, rental vehicle, etc.)
- Parking costs
- Internet usage fees
which are necessarily incurred as the result of a trip delay and are not provided by the common carrier or any other party free of charge.
If the insured is separated from their baggage during the trip delay, the company will also reimburse the insured for necessary personal effects.
The trip must be delayed 5 or more consecutive hours and prevents the Insured from reaching the intended destination as a result of a cancellation or delay of his/her trip for one of the unforeseen events listed below:
- The insured being delayed due to a traffic accident while en route to a departure as substantiated by a police report
- The insured’s or traveling companion’s lost or stolen passports, travel documents, or money
- The insured or a traveling companion is quarantined
- Natural disaster
- Injury, sickness, or death of the insured or traveling companion
- Civil Disorder
- Common carrier delay
- Inclement weather
Incurred expenses must be accompanied by receipts.
This benefit is payable for only one delay per Insured, per Trip.
What does the Missed Connection benefit cover?
If, while on a trip, the insured misses a departure resulting from a delay of the insured’s scheduled common carrier transportation due to inclement weather or common carrier delay, the company will pay up to $1,000 for:
This benefit does not apply if the insured’s domestic travel arrangements allow less than 1 hour between connections, or the Insured’s international travel arrangements allow less than 2 hours between connections.
Can I buy travel insurance after an incident has occurred?
Travel insurance coverage applies only to unforeseen issues that occur after the policy is in effect.
Insurance does not cover events that are no longer unexpected or unforeseen.
What is does Trip Exchange do?
Trip Exchange reimburses up to 50% of your Trip Cost (maximum of $75,000) for expenses if you cancel your trip due to one of the unforeseen events covered by Trip Cancellation and you choose to transfer the reservation from the canceled trip to a future trip with the same travel supplier. The future trip must also cost more than the canceled trip.
Benefits will pay for:
Trip Exchange and Trip Cancellation benefits cannot be combined.
What is does Trip Saver do?
Trip Saver will reimburse you up to $2,500 if you must begin your trip sooner than the originally scheduled departure date if, due to inclement weather, the common carrier changes your departure date to an earlier date or the location from which you depart.
Benefits will be paid for:
Are there any coverage exclusions?
How do I use Travel Assistance while on a trip?
Travel Guard provides excellent Travel Assistance benefits.
Whether you have a lost bag or hospital visit, contact AIG Travel Guard’s 24-Hour Worldwide Assistance as soon as reasonably possible.
If you’re in the USA, call 1-800-826-1300. If you’re outside the US, call collect +1-715-345-0505.
How do I make a claim with Travel Guard?
The Insured must contact Travel Guard as soon as reasonably possible, and be prepared to describe details regarding the loss and the insured trip. Travel Guard will provide the claim form to the Insured for his or her review and signature.
The Insured may initiate the claim online at www.aig.com/travelclaims. Utilizing this method will allow the Insured to view the status of the claim in real time.
All claims will be administered by AIG Claims Inc., in those states where it is licensed.
The claim forms must be sent back to Travel Guard no more than 90 days after a covered loss occurs or ends, or as soon after that as is reasonably possible.
All claims under the policy must be submitted to Travel Guard no later than one year after the date of Loss or insured occurrence or as soon as reasonably possible.
Claims will be paid as soon as Travel Guard receives complete proof of loss and verification of age.
What is considered a Loss?
A loss is financial or physical damage to you or your belongings because of one or more of the events covered under the policy occurred.
What is the definition of a “Trip”?
Trip means a period of travel at least 100 miles away from home to a destination outside the insured’s city of residence.
The trip has a defined departure date and return date and does not exceed 364 days.
What if a trip is longer than 364 days?
Coverage would apply for the first 364 consecutive days of a trip.
Coverage would end at 12:01 am on the 365th day of the trip.
When does insurance coverage begin?
Trip cancellation benefits begin at 12:01 am local time on the date following payment to the company or the company’s authorized representative of the required cost.
All other coverages begin at 12:01 am local time on the scheduled departure date shown on the travel documents.
Please read the insurance certificate for complete coverage details and limitations. Note that benefits and exceptions may vary from state to state due to law.
The AIG Travel Guard Deluxe plan has many strengths. It is a comprehensive plan that includes robust Medical Insurance for overseas travel and coverage for Pre-Existing Conditions.
The AIG Travel Guard Deluxe option offers the highest level of coverage compared to the other plans available through AIG and, along with AIG Travel Guard Plus, are the only ones with adequate medical coverage for travel outside of the US.
Can I purchase this plan cheaper directly through AIG?
No, because there’s a US law that prohibits different pricing for the same policy, you can rest assured that the price you see is the lowest price possible.
AARDY is a travel insurance marketplace, which means that we compare your travel insurance options through multiple insurers. We are very selective about the plans we offer on our site.
So, you’ll always find the lowest possible price and value right here at AARDY.
Have questions? We would love to hear from you. Send us a chat, Send us a Mail or alternatively Call Us at (650) 492-6298.