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AIG Travel Guard

Get a quote in less than two minutes and travel with more peace of mind.

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?

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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. That's $900 toward travel when you redeem through Chase Travel℠.

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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

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.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

AIG Travel Guard

Learn about travel insurance plans offered through AIG Travel Guard and how they compare.

Diverse range of travel insurance plans to choose from

Cancel for any reason (CFAR) coverage available with some plans (conditions apply)

Annual coverage available

Generous limits for emergency medical expenses and medical transportation available

Preexisting medical conditions waiver available (conditions apply)

Low costs for family plans

Essential plan coverage limits may be insufficient

CFAR coverage reimburses at only 50%

What AIG Travel Guard Is Known For

Like many other top travel insurance providers, AIG Travel Guard offers a broad range of plans to cover different types of trips. The company's main coverage options include the basic Essential Plan, the mid-tier Preferred Plan and the top-tier Deluxe Plan, which comes with the highest levels of coverage available.

AIG also offers an annual travel insurance plan that can apply for all trips that an insured individual (or group) takes within a year. Other niche plans from this provider include the Pack 'N Go Plan for last-minute trips, a plan for emergency evacuation and medical transportation, a rental car coverage plan, and an adventure travel insurance plan.

AIG Travel Guard stands out in a few different areas. First, the company offers cancel for any reason (CFAR) coverage as an optional add-on with its Preferred and Deluxe plans. However, this coverage only reimburses up to 50% of prepaid travel expenses, which is lower than other providers. CFAR coverage only applies if travel insurance is purchased within 15 days of making an initial payment on a trip.

AIG Travel Guard also offers a preexisting medical conditions waiver when travelers purchase coverage within 15 days of the initial trip payment. Another standout feature of this company is that its mid- and top-tier plans have high coverage limits for emergency medical expenses and emergency medical evacuation. This emergency evacuation coverage, also called "Medevac," can pay for air evacuation services, transportation to the nearest hospital or clinic, medical transportation to your home country, and more.

AIG Travel Guard Travel Insurance for Individual Trips

AIG Travel Guard plans for individual trips come in three tiers with accelerated levels of coverage and more add-ons available. This lets you tailor your travel insurance coverage to your unique needs, including the type of trip you're taking and the perils you want to protect against the most.

The chart below shows the coverages you can get with each tier.

AIG Travel Guard Pack 'N Go Plan

AIG Travel Guard also offers a last-minute coverage option for consumers who don't need trip cancellation coverage. There is only one available tier for this plan, and it includes the following coverages:

AIG Travel Guard Travel Insurance for Multiple Trips

The company also offers an annual travel insurance plan. This type of coverage can work well for frequent travelers who are always jetting off somewhere new but don't want to purchase an individual plan for every trip. Coverages offered include the following:

AIG Travel Guard Travel Insurance Costs

AIG Travel Insurance costs vary based on the number of travelers in a plan, the age of travelers, the cost of the trip, the tier of coverage selected and other details. We received quotes for several sample trips to give you an idea of how much you might pay.

AIG Travel Guard is not accredited by the Better Business Bureau (BBB), and the company also has a low rating with the platform of just 1.08 out of 5 stars. The travel insurance provider has closed 175 customer complaints filed with the BBB in the last 12 months and 791 complaints in the last three years. On Trustpilot, the company has an average star rating of just 1.7 out of 5 stars across 65 reviews on the platform. By contrast, the company has a 4.6 rating on InsureMyTrip. Here's an overview of some positive and negative user reviews that show the experiences of past customers.

Good Customer Service Experience

We bought a TravelGuard policy when we bought airline tickets through Frontier. Only a couple days later Frontier changed our flight times by 13+ hours which would no longer work for our travel plans.

Since it was within the 15 day "review" period TravelGuard fully refunded our premium consistent with their policy quickly and with NO drama.

I was able to talk with TravelGuard customer service with less than a minute of holding. He walked me through the steps to make a written refund request. I heard back from my written request in less than 24 hours. – Sara via Trustpilot

They paid my claim for stolen items when I was in Vegas on an annual travel plan. It did take a few months. The claim amount was three times the premium I originally paid. – Bradley S. via Trustpilot

Travel Guard has been unresponsive and has left me feeling frustrated and disappointed. I booked a trip and purchased trip insurance through Travel Guard. I had to cancel the trip for medical reasons and I filed a claim on January 8, 2024. The information they requested was uploaded on the Travel Guard Portal on January 9, 2024. Forty-eight hours after sending the information, I contacted them to make sure they had all the required information. They confirmed they had all the forms I sent. They told me it would take 10 to 15 business days to review the claim and the insurance adjuster would contact me. It is now February 12th and I have not heard anything from Travel Guard or the adjuster. I have called a few times and keep getting the same run around. I called again today and even asked to speak to a supervisor and was told the supervisor is just going to say the same thing and would not connect me. I paid good money for this trip insurance and am feeling like I was scammed. – William M. via Better Business Bureau

Had to Wait for the Check, But at Least it Came

My husband and I had a flight on Alaskan Airlines from Portland to Tampa, which was canceled because the airlines did not have sufficient staff to operate the flight. We were stuck in Portland for two additional days before we could return home. I thought we would be reimbursed in full, but it turns out, our policy only allowed for a certain amount per person daily. It took a month and a 1/2, but we did receive a check for $600. It wasn't the full amount of two additional days for food, lodging, and rental car, but it was better than nothing. – Clare L. via Trustpilot

Takes two weeks to get response from claims. Then they ask for additional information even though you already sent. Dont get to talk to claims adjusters only email I had to resubmit information again with letter of explanation. Another way to prolong payments. Very flustered with not being able to talk to adjuster. You only talk to a real person when you call in to ask for adjuster. They cant trans the call. Only emails still havent received reimbursement. – Cindy W. via Better Business Bureau

Why Trust U.S. News Travel

Holly Johnson is a travel writer who covers topics like travel insurance, family travel, all-inclusive resorts and cruises. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. Johnson works alongside her husband, Greg, who sells travel insurance through their travel agency, Travel Blue Book .

Read more about AIG Travel Guard in:

• The Best Travel Insurance Companies
• The Best International Travel Insurance
• The Best Vacation Rental Travel Insurance
• The Best Family Travel Insurance

• Travel Insurance
• Travel Guard Travel Insurance Review

The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive payment from the companies that advertise on the Forbes Advisor site. This comes from two main sources.

First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

Second , we also include links to advertisers’ offers in some of our articles. These “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor.

While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

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 Guard Cost

How to file a claim with aig travel guard, compare aig travel guard, aig travel guard frequently asked questions.

• Why You Should Trust Us

AIG Travel Insurance Review 2024: Pros & Cons

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate travel insurance products to write unbiased product reviews.

AIG Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits. If you're looking for travel insurance, consider Travel Guard .

AIG Travel Guard Travel Insurance Summary

AIG Travel Guard is among the best travel insurance companies with impressive coverage limits, even with its basic plan, Travel Guard Essential. It's emergency medical evacuation coverage is particularly high, making Travel Guard a good choice for insuring cruises, as sea to land evacuations are often expensive. 

Additionally, Travel Guard's Premium and Deluxe plans offer coverage that many of its competitors don't, such as its travel inconvenience coverage and ancillary evacuation coverage.  

That said, Travel Guard is on the pricey side, compared with its competitors. While age is often a factor in your insurance premiums, Travel Guard tends to quote older travelers higher rates than its competitors. However, you often get what you pay for. In Travel Guard's case, you'll find that its coverage justifies its higher rates. 

While great coverage is important, it's also crucial that an insurance company has a smooth claims process, which Travel Guard lacks, according to its customer reviews. Across 135 reviews on its Trustpilot page, AIG Travel Guard received an average of 1.2 stars, with 95% of reviewers giving the company one star. Surprisingly, AIG Travel Guard fares even worse with the Better Business Bureau, receiving an average of 1.08 stars out of five across 301 reviews. 

Coverage Options Offered by AIG Travel Guard

AIG Travel Guard offers three primary plans: Travel Guard Essential, Travel Guard Preferred, and Travel Guard Deluxe. Each plan has different coverage limits and various types of protection.

Here's a look at what you'll get with each plan:

Depending on the policy you select, additional coverages may be included at no extra charge, such as a pre-existing conditions waiver , single occupancy fee coverage, worldwide travel and medical assistance services, and more. Be sure to check each policy closely to see what is and isn't covered.

Each of these plans also includes coverage for one child under 17 as long as their travel costs are equal to or under the adult's cost. Additional coverage does not apply to the child.

AIG Travel Guard Pack N' Go Plan

In addition to these three primary plans, Travel Guard offers the Pack N' Go policy along with an Annual plan. This policy is for last-minute travelers who don't need trip cancellation coverage.

This plan includes:

• Trip interruption and trip delay ($200 per day maximum) up to $1,000
• Missed connection up to $500
• Baggage delay up to $200 and baggage coverage up to $1,000
• Medical expenses up to $25,000 and dental expenses up to $500
• Emergency evacuation and repatriation of remains up to $500,000.

AIG Travel Guard Annual Plan

Taking multiple trips throughout the year? Consider the Travel Guard Annual plan instead of purchasing a new policy for each adventure. This plan comes with coverage for: 

• Trip interruption coverage  up to $2,500
• Trip delay coverag e up to $1,500 ($150 per day maximum)
• Missed connection coverag e up to $500
• Baggage delay coverage up to $1,000 and lost/damaged baggage coverage up to $2,500
• Medical expenses coverage up to $50,000 and dental expenses up to $500
• Emergency evacuation coverage and repatriation of remains up to $500,000
• Accidental death and dismemberment coverage up to $50,000 and security evacuation up to $100,000

Additional Coverage Options from AIG Travel Guard

Like many other travel insurance providers, Travel Guard offers add-ons for an additional cost. These can be selected while you're purchasing your policy.

The availability of these add-ons depends on the policy you're buying. Note also that some are already included in the Preferred and Deluxe plans. 

• Medical bundle — Increases coverage amounts for medical expenses and evacuation and adds hospital of choice and additional evacuation benefits.  
• Security bundle — Provides various coverages for trip interruption or cancellation due to riot or civil disorder.  
• Rental vehicle damage coverage — Reimburses a predetermined amount for physical damage to a rental car in the policyholder's name. 
• Cancel for Any Reason Insurance (CFAR) — This is just what it sounds like. Cancel for any reason coverage will reimburse 75% of nonrefundable expenses when you cancel your trip for any reason, up to 48 hours before your scheduled departure. CFAR coverage is only available for Travel Guard's Deluxe and Preferred plans. 
• Inconvenience bundle — Offers reimbursement for inconveniences like closed attractions, credit/debit card cancellation, hotel construction, and more.
• Pet bundle coverage — Daily travel benefit for boarding and medical expense coverage for illness or injury of dog or cat. Includes trip cancellation or interruption coverage if the pet is in critical condition or dies within seven days before the departure date.
• Adventure sports bundle — Removes the exclusions for adventure and extreme activities.
• Baggage bundle — Your baggage coverage with AIG becomes primary with increased coverage and baggage delay benefits. 
• Wedding bundle — Provides trip cancellation coverage due to wedding cancellation (brides and grooms not covered).
• Name a family member bundle — One person can be named as a Family Member for the purpose of family member-related unforeseen event coverage.

How to Purchase and Manage Your AIG Policy

Getting a quote from AIG Travel Guard is quick and easy. Head to the AIG website and enter basic information about the trip you're looking to cover. You'll get an instant quote for the insurance plans available for your trip, so it's easy to compare each option. Be prepared to provide information including:

• Your state of residence
• Date of birth
• The cost of your trip
• Travel dates
• Destination
• Method of travel

We ran a few simulations to offer examples of how much a Travel Guard policy might cost. You'll see that costs usually fall within 5-7% of the total trip cost, depending on the policy tier you choose.

As of April 2024, a 23-year-old from Illinois taking a weeklong, $3,000 budget trip to Italy would have the following  Travel Guard travel insurance quotes:

• Travel Guard Essential: $86.96
• Travel Guard Preferred: $152.01
• Travel Guard Deluxe: $188.59

Premiums for Travel Guard's various single trip plans are between 2.8% and 6.3%, well within, and even below, the average cost of travel insurance .

A 30-year-old traveler from California is heading to Japan for two weeks, costing $4,000. The Travel Guard travel insurance quotes are:

• Travel Guard Essential: $198.77
• Travel Guard Preferred: $240.39
• Travel Guard Deluxe: $305.04

Premiums for Travel Guard's various single trip plans are between 5% and 7.6%, within the average cost of travel insurance.

A couple of 65-year-olds looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following Travel Guard quotes:

• Travel Guard Essential: $471.10
• Travel Guard Preferred: $618.22
• Travel Guard Deluxe: $834.78

Premiums for Travel Guard's various single trip plans range between 7.9% and 13.9%, which is significantly higher than the average cost. That said, travel insurance is often more expensive as you get older. 

AIG Travel Guard Annual Plan Cost

Getting a quote for the annual plan requires much less information, only asking for the intended policy start date, your state of residence, and how many people you plan to insure. Quotes from AIG remained at $259 per traveler, regardless of state of residence and number of travelers.

Filing a claim with Travel Guard is a straightforward process. You'll need your policy number and can either go to travelguard.com or call Travel Guard at 866-478-8222 to start the claim. Once submitted, you can check the status of your claim at claims.travelguard.com/status.

See how AIG Travel Guard stacks up against the competition and find the right travel insurance policy for you. 

AIG Travel Guard vs. Nationwide Travel Insurance

Nationwide is a household name when it comes to insurance providers and one of the largest and most recognized insurance providers in the US. Similarly to Travel Guard , Nationwide makes it easy to find coverage by offering just two single-trip plans: the Essential and Prime plan.  

In addition, Nationwide offers plans specifically designed for cruises along with annual trip insurance for those who travel a lot throughout the year.  

The Nationwide Essential Plan comes with trip cancellation coverage of up to $10,000, up to $250,000 in emergency medical evacuation, up to $150 per day reimbursement for travel delays of 6+ hours, and coverage for delayed or lost baggage.

In comparison, the Travel Guard Essential plan covers trip cancellations with up to $100,0000 in coverage, up to $150,000 in emergency medical evacuation expenses, up to $100 per day ($500 total) for trip delays of 12+ hours, along with lost or delayed baggage coverage. 

The high-tier Prime Plan from Nationwide offers even more coverage, including trip cancellation up to $30,000, trip interruption coverage up to 200% of the trip cost (maximum of $60,000), missed connection and itinerary change coverage of $500 each, $250 per day for trip delays of 6+ hours, and up to $1 million in coverage for emergency medical evacuation

AIG's highest-tier Deluxe plan comes with trip cancellation coverage of up to $150,000, up to $1,000,000 in emergency medical evacuation, up to $200 per day ($1,000 maximum) reimbursement for travel delays of 12+ hours, and coverage for delayed or lost baggage.

As you can see, it's hard to compare apples to apples when comparing the two different insurance providers. But it helps to know the specifics of the coverages that matter most to you.

Read our Nationwide travel insurance review here.

AIG Travel Guard vs. Allianz Travel Insurance

With Allianz Travel Insurance , you can choose from 10 different insurance plans to find one that suits your needs. Like Travel Guard , it offers one-off policies for specific trips and an annual travel insurance plan for those who take multiple trips a year. Similar to AIG, too, the different plans offer varying levels of coverage. 

Allianz's most popular single-trip option is the OneTrip Prime plan. This plan offers trip cancellation coverage up to $100,000, trip interruption coverage up to $150,000, emergency medical coverage for $50,000, coverage for baggage loss, theft, or damage up to $1,000, and up to $800 in travel delay coverage.

The most similar plan from Travel Guard is the mid-tier Travel Guard Preferred plan, which which you'll get up to $150,000 in trip cancellation coverage, trip interruption coverage up to $225,000, $50,000 in emergency medical coverage, coverage for baggage loss, theft, or damage up to $1,000, and travel delay coverage of up to $800.

A variety of factors will determine the final cost of any of these travel insurance policies. However, when comparing quotes with the same factors, Allianz tends to be cheaper. Additionally, Travel Guard seems to be more sensitive to the traveler's age. However, it's best to compare quotes using your specific personal and trip details to determine which policy is the best for you.

Read our Allianz travel insurance review here.

AIG Travel Guard vs. Credit Card Travel Insurance

Before purchasing a travel insurance plan, take a look at the coverage offered through your travel rewards credit cards. Some of the basic coverages you're looking for, like rental car insurance, may already be available through credit card travel protection . 

The coverage you have on your credit card couple be sufficient if, for example, you're taking a road trip by car and you don't have any non-refundable trip expenses. It could also be enough if your health insurance covers you while you travel and you aren't overly worried about incurring additional medical expenses during your trip.

It's also worth remembering that credit card coverage is usually secondary versus the primary coverage you'd get with a travel insurance policy. Meaning you'll have to file a claim with the other applicable insurance (like through the airline travel provider) before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Depending on the single trip plan you choose, AIG Travel Guard offers $15,000-$100,000 in emergency medical expense coverage.

All three of Travel Guard's single trip policies offer pre-existing condition waivers as long as you purchase your policy within 15 days of your initial trip payment.

Your coverage depends on the policy you buy, but all policies will cover (up to a specified limit) trip cancellation, interruption, delay, emergency medical expenses, lost and delayed baggage, and emergency evacuation. 

Yes, Travel Guard plans cover trip cancellation and interruption due to illness, injury, or death of a family member. If your trip is delayed or canceled due to inclement weather, that's covered too. AIG Travel Guard's is also among the best CFAR travel insurance companies.

Why You Should Trust Us: How We Reviewed AIG Travel Guard

The policy that's best for you will be the one that offers the right amount and type of coverage, fits your budget, and is easy to use if you ever need it.

In reviewing Travel Guard , we looked at the company's travel insurance offerings and compared them to plans offered by the top travel insurance companies in the space. Factors considered included things like coverage options, claim limits, what's covered, available add-ons, and typical insurance policy costs. We also considered buyer preferences.

Read more about how Business Insider rates insurance providers .

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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