AIG Travel Insurance Review 2024

AIG Travel Guard plans may appeal to vacationers, last-minute travelers and people who take multiple trips a year. There are five plans offering a range of benefits including trip cancellation, trip interruption, baggage delay and coverage for medical and dental expenses.

AIG Travel Guard Deluxe: The Travel Guard Deluxe is AIG’s top-scoring policy in our ratings of the best travel insurance companies. The Travel Guard Deluxe plan includes lots of extra coverage beyond the standard benefits, which include trip cancellation and trip interruption insurance, travel medical insurance, evacuation insurance, travel delay insurance and baggage insurance. It includes missed connection, security evacuation, travel inconvenience and AD&D insurance, and offers pet, wedding, adventure sports upgrades.

AIG Travel Guard Preferred: Medical expenses up to $50,000, dental expenses up to $500 and emergency evacuation compensation of $500,000 are just a few of the benefits in this policy. It also includes trip interruption, trip cancellation and trip delay coverage. Lost, damaged and stolen baggage is covered up to $1,000. This travel insurance policy may be a good fit for family vacations and international travel.

AIG Travel Guard Essential: This budget travel insurance option includes coverage for trip cancellation, trip interruption, medical expenses of up to $15,000, dental expenses up to $500, baggage delay up to $200 and trip delay up to $500.

AIG Travel Guard Pack N’ Go plan: Designed for last-minute travelers who won’t be needing trip cancellation coverage, this plan’s benefits include trip interruption, trip delay, missed connection up to $500, baggage delay up to $200, medical expenses up to $25,000 and dental expenses up to $500.

AIG Travel Guard Annual plan: Created for travelers who make multiple trips throughout the year, this policy comes with trip interruption, trip delay up to $1,500, missed connection up to $500, baggage delay up to $1,000, medical expenses up to $50,000, dental expenses up to $500 and emergency evacuation up to $500,000.

Rental car damage coverage may be available with your AIG Travel Guard plan. For example, the Travel Guard Deluxe and Travel Guard Preferred plans provide $50,000 for rental car damage. This optional coverage comes with a $250 deductible.

There are also optional bundles for pets, destination weddings and adventure travel in the Travel Guard Deluxe plan.

• The Pet Bundle provides a daily benefit for boarding costs and coverage for vet costs if your dog or cat becomes ill or is injured during your trip. It also includes trip cancellation and trip interruption coverage if your pet is in critical condition or dies within seven day prior to your departure date.
• The wedding package has trip cancellation coverage if the wedding is canceled.
• Extreme sporting and adventure activities exclusions are removed with the Adventure add-on.

A baggage bundle and a medical bundle with higher coverage limits are among the optional bundles that you can get with a Travel Guard Preferred plan. You can also opt for an “inconvenience bundle” that compensates you if attractions are closed, you lock yourself out of your rental home or your hotel is infested or under construction.

The travel benefits and costs vary by AIG Travel Guard insurance plans. Here are examples of prices for the AIG Travel Guard Deluxe plan:

Travelers and trip	Cost per trip for AIG’s Travel Guard Deluxe policy
Two travelers age 30, $3,000 trip cost, traveling to Mexico for 8 days	$284.88
Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days	$537.78
Family with two parents age 40 and two children, $15,000 trip cost, traveling to Italy for 17 days	$614.66
Family with two parents age 40 and two children, $15,000 trip cost, traveling to France for 17 days	$614.66
Family with two parents age 40 and two children, $15,000 trip cost, traveling to U.K. for 17 days	$614.66
Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days	$703.84
Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 8 days	$403.88

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AIG Travel Guard customers have access to a 24/7 travel assistance hotline. The assistance team can help with situations like finding a new flight, locating lost bags, finding a local doctor and more.

Every travel insurance plan has exclusions, so it’s smart to check the fine print so that you’re familiar with what your plan won’t cover. Here are some examples of general exclusions in the AIG Travel Guard Deluxe plan:

• War or an act of war
• Participating in a riot or civil disorder
• Attempting or committing a felony
• Being under the influence of drugs or narcotics, unless prescribed by a physician
• Alcohol intoxication above the legal limit
• Traveling against the advice of a physician

AIG Travel Guard has a help center with customer service reps available by phone for assistance with filing claims. There is online help as well. You can file a claim and check the status online. Make sure you look at what types of supporting documentation you need for a complete claim. Keep track of all receipts so you’ll have everything you need.

Forbes Advisor researched and analyzed 39 policies to find the best travel insurance. When companies had more than one travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.

Cost (25% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:

• Couple, age 30 for a Mexico trip costing $3,000.
• Couple, age 40, for an Italy trip costing $6,000.
• Family of four for an Italy trip costing $15,000.
• Family of four for a France trip costing $15,000.
• Family of four for a U.K. trip costing $15,000.
• Couple, age 65, for an Italy trip costing $6,000.
• Couple, age 70, for a Mexico trip costing $3,000.

Missed connection coverage (10% of score): Travel insurance policies were awarded more points if they include missed connection benefits of $1,000 per person or more.

Medical expenses (10% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.

Medical evacuation (10% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.

“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.

Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.

Cancel for work reasons: (5%): Travel insurance plans that allow cancellations for work reasons were awarded points.

Hurricane and weather (5%): Policies received points if the required waiting period for hurricane and weather coverage was 12 hours or less.

“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.

Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).

Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.

Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.