Home > Travel Insurance Reviews > AIG Travel – Travel Guard – 2020 Review

AIG Travel – Travel Guard – 2020 Review

AIG Travel – Travel Guard – 2020 Review

AIG Travel – Travel Guard – 2020 Review
8
Insurance Partner
8/10
Coverage Options
8/10
Price
7.5/10

Strengths

  • Strong Insurance Partner
  • Good Evacuation Coverage
  • Broad Range of Plans
  • Primary Medical Insurance
  • Pre-existing Medical Condition Waivers

Weaknesses

  • Entry Level/Midrange Plans have Low Medical Insurance Coverage

AIG Travel Guard is a leading partner of AardvarkCompare.

We offer their Essential, Preferred, Deluxe and Plus Travel Insurance plans.

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Take a moment to familiarize yourself with AIG Travel Guard Company Review.

AIG Travel Guard has over 25 years of experience in the Travel Insurance sector.

Without question, it is one of the United States’ leading trip insurance plan providers.

AIG Travel Guard provides innovative travel insurance and emergency travel assistance plans for millions of travelers and thousands of companies throughout the world.

Its comprehensive travel insurance programs include:

  • Per-trip and annual plans
  • Coverage for trip cancellation, trip interruption, trip delay, medical expenses, baggage loss and more

Through a network of assistance centers located in Asia, Europe, and the Americas, AIG Travel ensures 24/7 highest quality support in:

  • Travel Medical Assistance
  • Emergency Travel Assistance
  • Worldwide Travel Assistance
  • Concierge and Personal Security Assistance

AIG Travel Guard Review – Independent Assessment

First, we concern ourselves with the financial health of the underlying insurance carrier.

In this case, AIG Travel’s underwriter for this plan, National Union Fire Insurance Company of Pittsburgh, maintains an “A” (Excellent) A.M. Best rating.

Secondly, we are interested in the health of Travel Guard insurance itself.

AIG Travel Guard maintains an A+ Better Business Bureau rating. BBB does not issue a higher rating than A+, so that gives us great confidence to recommend AIG Travel Guard.

Finally, we are concerned about the way in which customers feel that they have been treated using Travel Guard insurance.

AIG Travel Guard Trip Insurance Plans

AIG Travel Guard trip insurance uses dynamic pricing.

This means the premium varies based on the age of the traveler, traveler’s state of residence, cost of the trip, and length of the trip. The premium also increases as the departure date nears.

If you need to add trip costs to your plan after purchase, be aware that the premium may increase dramatically.

AIG Travel Guard offers incredibly strong underwriting, business practices, and customer support. We recommend Travel Guard to our customers without hesitation.

In this review, we discuss:

  • AIG Travel Guard Essential
  • AIG Travel Guard Preferred
  • AIG Travel Guard Deluxe
  • AIG Travel Guard Plus

Here is a brief summary of the plans that we offer from AIG Travel Guard.

AIG Travel Guard Essential

AIG Travel Guard Essential works best for travelers and families who want basic comprehensive coverage and access to 24-hour Emergency Travel Assistance Services.

We love that Travel Guard Essential boasts some important Medical benefits. It has $15,000 Primary Medical Insurance, $150,000 Medical Evacuation, and if purchased within 15 days of initial trip payment, covers Pre-existing Medical Conditions.

The policy also protects you against the Default/Bankruptcy of the Common Carrier when you purchase the plan within those first 15 days.

In addition, you save money insuring children for travel. For each named adult, AIG Travel Guard includes one child age 17 and under at no additional cost.

AIG Travel Guard Preferred

AIG Travel Guard Preferred has solid Medical Insurance, Medical Evacuation and Cancellation/Interruption benefits. It’s ideal for travelers and families primarily concerned with Cancellation Insurance and 24-hours Travel Assistance Services.

You’ll find robust Medical coverage with AIG Travel Guard Preferred. It covers $50,000 Primary Medical Insurance, $500,000 Medical Evacuation and a Pre-existing Medical Condition Exclusion Waiver when you enroll within 15 days of making your initial trip deposit or payment.

AIG Travel Guard Preferred covers Default/Bankruptcy of the Common Carrier regardless of when you purchase the policy.

Like Travel Guard Essential, Travel Guard Preferred also includes coverage for children age 17 and under for each adult named on the plan.

Further, AIG Travel Guard Preferred gives you benefits such as Trip Saver and Trip Exchange.

Trip Saver reimburses you for the added cost of transportation, meals, and hotel if the common carrier cancels your flight due to inclement weather and you must book an earlier date or different location.

Trip Exchange helps if you have to cancel for a covered reason and rebook your trip. You receive reimbursement for the difference in cost between the original trip and the new one, change fees, cancellation penalty, and cost of the original insurance plan. 

AIG Travel Guard Deluxe

The AIG Travel Guard Deluxe plan is for travelers who want a comprehensive package of travel insurance cover and assistance services. It is the most popular and appropriate among international and cruise travelers.

You can enjoy a tremendous $100,000 Primary Medical Insurance benefit and $1,000,000 Medical Evacuation.

Like the other AIG plans, AIG Travel Guard Deluxe covers for Pre-Existing Medical Conditions when you purchase it within 15 days of the initial trip deposit.

AIG Travel Guard Deluxe also includes several other perks. It protects you from Carrier Financial Default regardless of when you purchase the plan. Plus, it also has enhanced Baggage Insurance, Travel Inconvenience compensation, and Security Protection.

For example, some of the Travel Inconvenience benefits include Missing Work, Runway Delay, Cruise Diversion, Hotel Infestation, Rental Vehicle Breakdown and a variety of others.

Like AIG Travel Guard Preferred, the Deluxe plan also gives you access to the Trip Saver and Trip Exchange programs.

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AIG Travel Guard Plus

AIG Travel Guard Plus is ideal for international travelers who want a comprehensive package of Medical Insurance, Medical Evacuation, Cancellation and Interruption Insurance, and 24-hour Worldwide Travel Assistance Services.

Most often, we recommend AIG Travel Guard Plus for travelers taking world cruises, trips to remote destinations like Antarctica and the Galapagos, or African safaris. Seniors can find outstanding value with Travel Guard Plus.

The Plus plan accommodates Pre-Existing Medical Conditions when you purchase the policy within 21 days of the initial trip deposit.

AIG Travel Guard Plus provides you with $100,000 Medical Insurance, $1,000,000 Medical Evacuation, $50,000 Accidental Death and Dismemberment, Baggage Loss & Delay, Missed Connection and Trip Delay insurances.

Note that the traveler’s destination also affects the price of AIG Travel Guard Plus.

Travel Insurance Comparison

As always, at AardvarkCompare we recommend that travelers consider travel insurance.

You can get an anonymous quote in seconds and compare dozens of the top travel plans from many of the largest US travel insurers. We help you save time and money finding the right travel plan for your needs.

What many people do not know is that they won’t find the same trip insurance plans available at a better price. Anti-discriminatory law in the US guarantees you won’t find deceptive pricing on travel insurance.

Will I Pay More Buying Travel Insurance from a Comparison Website?

No.

A trip insurance quote from AardvarkCompare is the same price you see from the insurance carrier.

We are not allowed to compete on price for ‘filed’ insurance products. No one is. You are certain to get the best value from us.

Visit AardvarkCompare first to see your options before committing to the first travel insurance policy you’re offered. Stop by and have a chatsend an email or give us a call at 650-492-6298.

Safe travels.

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.

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