AIG Travel Guard Plus Travel Insurance - 2021 Review
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.
Different from the other AIG Travel Guard plans, Travel Guard Plus’ dynamic pricing also includes variations based on destination.
As such, AIG Travel Guard Plus is a particularly well-priced and well-suited policy for high-cost travels, such as world cruises, trips to remote locations like Antarctica or the Galapagos, or African safaris.
Often, travelers to these destinations find tremendous value for their money with AIG Travel Guard Plus. In addition, seniors often find favorable rates with Travel Guard Plus.
AIG Travel Guard Plus Features
Let’s look at the AIG Travel Guard Plus Trip Insurance plan.
AIG Travel Guard Plus is great for domestic or international destinations and has well-rounded benefits and coverage.
This comprehensive plan includes robust Medical Insurance and Medical Evacuation for overseas travel, and coverage for Pre-Existing Conditions when purchased shortly after the initial trip deposit.
The Plus 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.
Cancellation and Interruption Insurance – AIG Travel Guard Plus
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 death 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 Plus
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 benchmarks cover you well if you experience a more serious illness or injury followed by a prolonged period of treatment.
Adequate levels of coverage provide you with peace of mind. In this respect, the AIG Travel Guard Plus Travel Insurance policy delivers.
Also, we suggest including a Waiver of Pre-existing Medical Condition whenever possible.
Coverage for Pre-existing Medical Conditions – AIG Travel Guard Plus
AIG Travel Guard policies include a Pre-Existing Medical Condition Exclusion Waiver in all its policies – Essential, Preferred, Deluxe and Plus.
When you buy Travel Insurance promptly after your first trip deposit or payment (within 21 days), the policy includes the coverage for Pre-existing Medical Conditions. The Pre-existing Condition Waiver is embedded in the policy and does not cost an additional fee.
We encourage all travelers to secure a trip insurance policy with a Pre-existing Medical Waiver because it closes a gap in coverage.
100% Trip Cost up to $100,000 max
150% Trip cost up to $150,000
Trip Interruption – Return Air Only
Accident & Sickness Medical Expense
Emergency Dental Expense
Emergency Physical Therapy
Medical Coverage Type
Primary Medical Insurance
Emergency Medical Evacuation
Evacuation Escort Maximum
Pre-existing Condition Waiver
Yes, if the plan is purchased within 21 days of initial trip deposit, and all prepaid non-refundable trip costs are insured.
Baggage Loss & Personal Effects
$400 after a delay of 12 hours
$200 per day after a delay of 12 hours, max $1,000
Accidental Death & Dismemberment (excluding flights)
Up to 100% Trip Cost, max $100,000
**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 Plus
Emergency Sickness/Illness/Injury/Death – Yes
Hijacking, Medical Quarantine, Subpoena for 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
Revocation of previously granted military leave – Yes
Financial Default of a Travel Supplier – Yes
Additional Information – AIG Travel Guard Plus
Maximum Trip Duration
Maximum Age Insured
No maximum age
Pre-Existing Condition Waiver
Yes, if the plan is purchased within 21 days of initial trip deposit, and all prepaid, non-refundable trip costs are insured
Pre-Existing Condition Review Period
Available in the first 15 days of the effective date of the travel insurance or scheduled departure date.
Latest date plan can be purchased
1 day before departure
24/7 Emergency Travel Assistance
Minimum Trip Cost to be insured
Minimum Trip Distance
At least 100 miles
Cancel For Work Reason
AIG Travel Guard Plus also protects you with a number of work-related benefits.
The policy includes Trip Cancellation and Trip Interruption benefits if:
- A traveler is required to work during your planned vacation
- Laid off or involuntarily terminated before departure
- Life-threatening injury, illness, or death of a business partner
- Traveler called to active duty military service or leave revoked/reassigned
- A traveler is directly involved in a merger, acquisition, government required product recall or bankruptcy proceedings and must be currently employed by the company that is involved in said event
- Traveler’s company is deemed to be unsuitable for business due to burglary or natural disaster and the insured or traveling companion is directly involved as a key employee of the disaster recovery team
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.
About AIG Travel Guard
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 21 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 coverage is valid only if the appropriate plan cost has been paid. Please keep this document as your record of coverage under the plan.
This is only a summary of the AIG Travel Guard Plus 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?
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 Plus includes $100,000 Medical Insurance per person.
Seniors should note that Medicare insurance does not cover you overseas and many Medicare supplement plans have low lifetime maximum payouts, as well as deductibles and co-pays.
What is a Pre-existing Medical Condition?
A Pre-existing medical condition means any illness, accidental injury, or medical condition you, your traveling companion, business partner, host at destination or family member sought medical treatment for a 180-day time frame ending on the effective date of the insurance.
Illnesses or medical conditions are not considered Pre-existing if the illness or medical condition is controlled by medication that has remained unchanged in dosage throughout the 180-day time frame ending on the effective date, and no medical diagnosis, care, advice or treatment has been otherwise received.
Note that death resulting from a Pre-existing Medical Condition is covered.
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 21 days of initial trip payment;
- The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the trip at the time of purchase and the costs of any subsequent arrangements added to the same trip are insured within 21 days of the date of payment or deposit for any subsequent trip arrangements;
- All insureds are medically able to travel when this plan cost is paid; and
- The trip cost does not exceed $100,000 per person.
What situations are covered for Trip Cancellation?
Trip Cancellation reimburses you for 100% of your trip cost if you need to cancel your trip for a covered reason.
Covered reasons for AIG Travel Guard Plus include:
- Emergency Sickness, Injury or Death to You, a Family Member, a Travel Companion, a Business Partner or a Child Caregiver.
- Inclement Weather causing delay or cancellation of travel.
- Strike causing complete cessation of travel services at the point of departure or Destination.
- The Insured’s Primary Residence or Destination being made Uninhabitable or Inaccessible by Natural Disaster, vandalism or burglary.
- The Insured or Traveling Companion is hijacked, quarantined, subpoenaed or required to serve on a jury.
- The Insured or Traveling Companion is called to active military service or military leave is revoked or reassigned.
- Sickness, Injury, death or hospitalization of the Insured's Host at Destination. A Physician must certify the Sickness or Injury.
- Financial Default of an airline, cruise line or tour operator provided the Financial Default occurs more than 14 days following an Insured's effective date for the Trip Cancellation or Trip Interruption Benefits. 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.
- A Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival.
- The Insured or Traveling Companion is involuntarily terminated or laid off through no fault of his or her own provided that he or she has been an active employee for the same employer for at least 1 year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons.
- The Insured and/or Traveling Companion is directly involved in or delayed due to a traffic accident, substantiated by a police report, while en route to the Insured’s Destination.
- The Insured or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to the Departure Date. No coverage is provided for Felonious Assault committed by another Insured, Family Member, Traveling Companion or Traveling Companion’s Family Member.
- Mechanical/equipment failure of a Common Carrier that occurs on a scheduled Trip and causes complete cessation of the Insured’s travel and results in a loss of 50% of the Insured’s Trip length;
- The Insured or Traveling Companion 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 or Traveling Companion is directly involved in a merger, acquisition, government required product recall or bankruptcy proceedings and must be currently employed by the company that is involved in said event;
- The Insured’s or Traveling Companion’s company is deemed to be unsuitable for business due to burglary or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team.
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 $400 for the purchase of necessary personal effects if your baggage is delayed for 12 hours or more during a trip.
- Toiletry items
Incurred expenses must be accompanied by receipts.
Is the loss of baggage covered?
AIG Travel Guard Plus 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
What does the Travel Delay benefit cover?
the company will reimburse the insured up to $200 per day per person ($1,000 max) for expenses of meals, taxi fares, essential telephone calls and lodging which are necessarily incurred as the result of a Trip Delay.
The trip must be delayed 12 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 involved in or delayed due to a traffic accident while en route to a departure as substantiated by a police report
- common carrier delay
- The insured’s or traveling companion’s lost or stolen passports, travel documents or money
- The insured or traveling companion is quarantined
- Inclement Weather which prohibits Insured’s departure
- Natural Disaster
Incurred expenses must be accompanied by receipts.
Contact Travel Guard as soon as he/she knows his/her trip is going to be delayed more than 12 hours.
What does the Missed Connection benefit cover?
If, while on a trip, the insured misses a trip departure resulting from cancellation or delay of 3 or more hours of all regularly scheduled airline flights due to inclement weather or common carrier caused delay, the company will reimburse the insured up to $1,000 for:
- Additional transportation expenses incurred by the insured to join the departed trip, and
- Prepaid, nonrefundable trip payments for the unused portion of the trip.
The Common Carrier must certify the delay of the regularly scheduled airline flight.
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.
Are there any coverage exclusions?
Yes. For a complete list of exclusions, refer to the policy certificate.
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.
If Travel Guard has not provided claim forms within 15 days after the notice of claim, other proofs of loss should be sent to Travel Guard by the date claim forms would be due.
The proof of loss should include written proof of the occurrence, type and amount of loss, the Insured’s name, the participating organization name, and policy number. The insured must return all unused, nonrefundable tickets.
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 away from home to a destination outside the insured’s city of residence.
- The purpose of the trip is business or pleasure and is not to obtain health care or treatment of any kind.
- The trip has defined departure and return dates specified when the insured applies.
- The trip does not exceed 364 days; travel is primarily by common carrier and only incidentally by private conveyance.
- Trip must be overnight, and the destination must be at least 100 miles from the insured’s primary residence.
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 becomes effective at 12:01 a.m. standard time on the date following payment to the company of any required plan cost.
All other coverages (Trip Interruption, Travel Delay, Medical Insurance, Medical Evacuation, Baggage, etc.) will begin on the later of:
- 12:01 a.m. standard time on the scheduled departure date shown on the travel documents, or
- The date and time the insured starts his/her trip.
When does coverage end?
Trip Cancellation coverage ends on the earlier of:
- The cancellation of the insured’s trip; or
- The date and time the insured starts on his/her trip.
What does the Single Occupancy benefit do?
The company will reimburse the insured, up to the trip cancellation and trip interruption maximum limits shown in the schedule or declarations page, for the additional cost incurred during the trip as a result of a change in the per person occupancy rate for prepaid, nonrefundable travel arrangements if a person booked to share accommodations with the insured has his/her trip canceled or interrupted due to any of the unforeseen events shown in the trip cancellation and trip interruption section and the insured does not cancel.
What is considered an Accident?
An accident is a sudden and unforeseen event that happens at a specific time and place during your trip. The event may occur on a common carrier on which you are traveling, walking around town, or slipping in the shower.
What is Accidental Death and Dismemberment?
the company will reimburse the insured for this benefit for one of the losses shown in the table of losses if the insured is injured other than while riding as a passenger in or boarding or alighting from or struck or run down by a certified passenger aircraft provided by a regularly scheduled airline or charter and operated by a properly certified pilot.
The company can pay a maximum of $50,000 for this benefit.
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.
Are there any destinations or countries that are not covered by this insurance?
Any payments under the policy will only be made in full compliance with all United States of America economic or trade sanctions laws or regulations, including, but not limited to, sanctions, laws and regulations administered and enforced by the U.S. Treasury Department's Office of Foreign Assets Control ("OFAC").
Contact AIG Travel Guard at 1-800-826-1300 for details.
Note that travel insurance will not reimburse expenses or provide benefits if sanctions laws expressly forbid doing so.
What is OFAC?
OFAC stands for the Office of Foreign Assets Control. The United States Department of the Treasury directs OFAC.
OFAC is responsible for the enforcement of economic sanctions against countries linked to terrorism. Freezing assets, trade restrictions, and embargoes are tools used by OFAC to increase national security.
It includes ample Medical Insurance ($100,000) and Medical Evacuation ($1,000,000), a Pre-existing Condition Waiver, and a generous list of Cancellation and Interruption reasons.
Because of its dynamic pricing, it often is the best price and value for travelers taking high-cost trips like world cruises and remote travels.
We recommend travelers take the time to consider whether travel insurance makes sense for your trip.
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.