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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.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market.  See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our  credit card rating methodology .

AIG Travel Guard Insurance Coverage Review – Is It Worth It?

Christine Krzyszton

Senior Finance Contributor

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Editor-in-Chief

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Table of Contents

Why purchase travel insurance, aig travel guard — coverages and policy options, aig travel guard and covid-19, additional information — aig travel guard, how does aig travel guard compare, the value of travel insurance comparison websites, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Purchasing insurance for your home, auto, or your life, can be complicated and time-consuming if you want to compare coverages and premium costs between companies. Fortunately, the process of purchasing travel insurance is quite simple , and you can secure immediate coverage within minutes.

It all starts with determining the coverages that most important to you, securing a quote, then making sure you’re purchasing from an established, highly-rated company. One such established travel insurance company is AIG Travel Guard .

With over 25 years of experience and high ratings from premier insurance financial rating company A.M. Best , AIG Travel Guard was named the best travel insurance company of 2020 by Forbes . Its Travel Guard Deluxe policy was also given a top 5-star rating by Forbes’ insurance analysts.

We’ll certainly discuss AIG Travel Guard’s policy offerings in our article today but we also want to discuss why you’d want to purchase travel insurance , whether travel insurance covers COVID-19, the process for obtaining a quote, and additional resources to help ensure you’re receiving good value.

Plus, if you’re wondering if you need to purchase travel insurance or whether you might have enough coverage elsewhere, you’ll want to read on.

While the primary reasons for purchasing travel insurance are to protect your economic investment and to cover unexpected additional expenses you might incur due to trip disruptions, purchasing travel insurance has another, more intangible, purpose.

Purchasing travel insurance can provide peace of mind prior to and during your trip as you won’t be worried that an unforeseen event will result in an economic loss. Knowing you have evacuation insurance when you’re traveling to a remote area on safari, for example, could be tremendously reassuring, even if you never use the coverage.

Here are some sample situations where travel insurance may provide coverage:

• Your sister is diagnosed with a life-threatening illness and you must cancel your trip
• You broke your ankle and will not be able to go on your skiing trip
• You become ill and cannot travel
• You or your traveling companion is terminated or involuntarily laid off from your job
• You are summoned to jury duty or other legal action such as requiring you to appear as a witness

If your trip is expensive, complicated, or you need medical coverage while traveling, a travel insurance policy is a must.

Bottom Line: In addition to protecting your trip investment and covering unexpected expenses due to trip disruptions, travel insurance can also provide peace of mind before and during your travels. 

There’s probably nothing more boring than listing insurance coverages but it’s important to know the types of coverages you can expect when purchasing an AIG Travel Guard policy.

First, AIG Travel Guard offers 3 policy options for U.S. residents (not including NY residents), 3 separate options for NY residents, and 1 policy for Canadian residents.

• Tr avel Guard Essential
• Travel Guard Preferred
• Travel Guard Deluxe
• Travel Guard Essential Expanded — available to NY residents
• Travel Guard Protect Assist — available to NY residents
• Travel Guard Tour, Cruise, & Travel — available to NY residents
• Gold Trip Cancellation Policy — available to Canadian residents

Coverage options and limits will vary by policy, however, you can expect to find the core and optional coverages listed here.

Core Coverages

Here are the types of coverages you’ll find offered on AIG Travel Guard policies and the applicable coverage limits for each type of policy.

There are also additional coverages that may be included at no extra charge, depending on the policy type selected. Terms and conditions apply.

• 1 child under 17 per covered adult is included for no extra charge
• Pre-existing conditions waiver
• Trip exchange coverage
• Single occupancy fee coverage
• Evacuation for a security reason
• Non-flight accidental and dismemberment insurance
• Worldwide travel and medical assistance services

Optional Coverages for an Additional Fee

You may secure any of the following add-on coverages by paying an additional fee.

• Cancel for Any Reason Insurance — covers trip cancellation for any reason
• Rental vehicle damage — coverage for collision damage when renting a vehicle
• Pet bundle coverage — pet care, medical expenses, and adds pet illness to trip cancellation benefit
• Adventure sports coverage — coverage for higher risk adventure activities
• Increased lodging expense bundle — increases the amount covered under travel inconvenience benefit
• Wedding bundle — coverage when a destination wedding is canceled
• Name a family member bundle — select a traveler to be covered as a family member

Hot Tip: For more information and tips on purchasing travel insurance, start here in our article on travel insurance basics .

Travel insurance , in general, is designed to protect you from financial loss due to unforeseen events that may cause you to cancel your trip, or to cover disruptions that could occur during your journey. It is not meant to cover voluntary trip cancellations due to fear of getting ill.

Voluntary cancellations, including those that are related to the fear of getting ill, are not covered on travel insurance policies. However, there is 1 option for obtaining coverage for voluntarily canceling your trip.

Cancel for Any Reason insurance (CFAR) is an optional coverage that can be added to select travel insurance policies allowing you to cancel your trip for any reason you deem necessary and be covered for partial reimbursement.

AIG Travel Guard offers CFAR coverage as an optional add-on to add to its Preferred and Deluxe plans , with these stipulations:

• Must be purchased within 15 days of the initial trip deposit
• The trip must be canceled more than 48 hours prior to departure
• The full cost of the trip must be insured for at the time of purchase

Cancel for Any Reason insurance does not cover the entire cost of the trip. In this case, to add CFAR insurance to the Deluxe and Preferred plans above, the additional premium would be $53.31 for coverage to cover up to 50% of the trip price. Additional options may be available to cover up to 75% of the cost of your trip.

The above prices are for a single trip 1-week in length for a traveler of 40 years of age at a cost of $3,000.

AIG Travel Guard policies, even without the CFAR insurance add-on, offer coverage for trip cancellations due to COVID-19 related illness and also medical coverage should a covered traveler become sick with COVID-19 during their travels. Terms and conditions apply.

Bottom Line: While trip cancellation, trip interruption, and emergency medical may offer some coverage for illness, you must purchase Cancel for Any Reason insurance to have coverage for canceling a trip due to the fear of getting ill. AIG Travel Guard offers this coverage on its Deluxe and Preferred plans.

Point-of-Sale Availability — In addition to offering travel insurance package policies directly to the public, AIG Travel Guard offers travel insurance products via several travel providers including airlines and various travel services. You’ll find the option to purchase Travel Guard protection during the checkout process with companies such as United Airlines or Frontier Airlines when purchasing a flight and when making a travel purchase via Costco Travel .

Call for Additional Quotes — While AIG Travel Guard does sell annual multi-trip policies, you must call to request a quote. Adventure sports coverage, medevac coverage, and rental vehicle damage coverage quotes are also available via phone.

15-Day Free Look Period — If you decide, after you have reviewed your purchased policy, that you do not want it, you may receive a full refund.

Cruise Insurance Option — AIG Travel Guard offers cruise insurance that includes cruise diversion and other applicable coverages.

Filing a claim — to initiate a claim, you can either call AIG Travel Guard at 866-478-8222 or access travelguard.com to begin the process. You will need your policy number handy. Once your claim is submitted, you can check the status at claims.travelguard.com/status .

First, know that when purchasing a policy from AIG Travel Guard, you’re buying from a highly-rated established insurance company. Here’s how the company stacks up in relative comparison with other travel insurance companies.

To Other Travel Insurance Companies

Comparing travel insurance policies can be complicated as coverage limits and prices vary widely. We looked at a 1-week trip to Mexico for a traveler 40 years of age and a total trip cost of $3,000 as criteria for obtaining a quote.

AIG Travel Guard’s Preferred plan, which prices out at around $200, aligns with the John Hancock Bronze policy above. Add in CFAR coverage, however, and the comparison costs are closer to AIG Travel Guard’s $254 premium for its Preferred level plan that also includes CFAR.

This 1 example uses the criteria of a specific trip for an individual traveler of a certain age and may not reflect the same relative premium costs as other comparisons.

Your own individual traveler information, the number of travelers, trip length, destination, state of residence, selected coverages, and the total cost of your trip will ultimately determine the premium cost. Our example is just a narrow snapshot comparison.

Bottom Line: Travel insurance policy coverages and costs vary dramatically. To ensure you’re receiving good value, determine the coverages that are most important to you, compare policy options, and purchase from a reliable company. 

To Credit Card Travel Insurance

The travel insurance coverages that come complimentary on your credit cards are no substitute for a comprehensive travel insurance policy. With that being said, the coverage that comes with your credit card could be enough to cover some trips.

Here are some examples of trips where you may not need travel insurance and the coverage you have on your credit card could be sufficient.

• The trip consists of only a round trip domestic flight and hotel stay
• The trip is a road trip by car
• The trip does not include any non-refundable trip expenses
• The trip does not have several travel providers involved
• Your health insurance covers you while traveling and you are not worried about having additional medical coverage during your trip

Also, keep in mind that coverage offered on your credit card is generally secondary versus a primary travel insurance policy. This means you must first file a claim with other applicable insurance, including coverage with the airline or travel provider, for example, before the credit card coverage will kick in.

Bottom Line: If you have a significant investment at stake, several travel providers involved, or want medical coverage during your travels, you should purchase a comprehensive travel insurance policy for your trip and not depend on a credit card with travel insurance . 

Travel insurance is widely available and competitive. You won’t have trouble purchasing some level of coverage regardless of your situation. Additionally, there are travel insurance comparison websites that make it easy to find a policy that fits and purchase coverage that is effective immediately.

These travel insurance comparison websites are each easy to use, have qualified people to assist, and all feature policies offered only by highly-rated companies.

Travelinsurance.com

• Instant coverage
• Simple format, easy to secure a quote quickly
• Guarantees the best price for the policy you’re purchasing

Squaremouth

• Features 20 companies with nearly 120 different policy options
• Its customer service team is award-winning
• You can access thousands of customer reviews

InsureMyTrip

• Educational content to assist you in understanding coverages
• Features 21 highly-rated companies
• Licensed agents can answer questions and assist with a claim

Bottom Line: Travel insurance comparison websites provide quick easy access to securing a quote, compare several high-rated travel insurance providers at once, and the benefit of receiving immediate coverage. 

While airlines and travel providers have made significant changes to cancellation, refund, and exchange policies, it’s still important to consider purchasing travel insurance if you’re uncomfortable with the possibility of losing your trip investment or incurring unexpected expenses during your journey.

In addition, if you need medical insurance coverage during your trip, you won’t find that coverage on a credit card or with the airlines — you’ll need to purchase it.

The fact that AIG Travel Guard does not exclude COVID-19 related claims under certain coverages and offers a Cancel for Any Reason add-on is significant as not every travel insurance company can make that claim.

Also, if you have children traveling with you, you may find good value with AIG Travel Guard having those under 17 included for no extra charge (1 per premium-paying adult).

The bottom line when purchasing travel insurance from AIG Travel Guard is that if you can secure the coverages you need at a price you’re comfortable with and you’ll know you’re completing that transaction with a highly-rated established company.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

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UP's Bonus Valuation

This bonus value is an estimated valuation  calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

• Travel Insurance
• Travel Guard Travel Insurance Review

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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.

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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

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• 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.

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Travel Guard Review

Monday, September 16th

2024 Travel Insurance Plan Reviews

• Travel Guard
• 3 main travel insurance policies available, with add-ons like Name Your Family bundling and coverage for Adventure Sports and Destination Weddings
• "A+” rated and accredited by the BBB

Travel Guard is one of the most widely-used, travel agent-recommended insurance companies in the industry. Millions of leisure and business travelers alike use this company for emergency travel services, medical assistance, and other travel-related problems.

Policy names and inclusions have changed

If you've used Travel Guard before, things may be different now from what you remember. No longer named as Platinum, Gold, or Silver plans, the travel insurance policies here are now called Deluxe, Preferred and Essential - with slightly different coverages and new add-ons for adventure sports, destination weddings, and more.

No surprises in the quote process

Let's take a look at how those plans were offered for our sample traveler profile: a one-week trip to Mexico about six months in the future, with two 35-year-olds spending a total of $3,000. We had to start by entering our destination (though we liked that Travel Guard had quick buttons for the US, Mexico, and Caribbean as top locations), then indicating if we were taking an airplane, cruise, or neither. As we went through the standard questions - travel dates, number of travelers - we noticed the same wrinkle as our last review: to get an online quote, all travelers have to live in the same state of residence. In other words, if you're planning a family trip and your sister lives in Oregon, your brother is from Maine, and you live in Georgia, each of you will need to get a separate Travel Guard policy. However, that's an exclusion frequently found with all travel insurance sites - because prices are regulated at the state level.

Glitchy website = wasted time

However, that wasn't the only issue As we tried to enter the birthdates of the travelers in our fictitious party (not just the ages, as required by most sites), we kept getting an error asking for the date in a different format. No matter how we tried it, even using the little calendar icon and scrolling through to click on the appropriate birthdate, it wouldn't accept it. It took us nearly five minutes just to get the dates to go through (and we still have no idea what the site finally accepted, because the date looked exactly the same every time).

Keep an eye out for add-ons

We eventually got a quote of $102.50 for Essential, $197.27 for Preferred, and $339.76 for Deluxe. The biggest differences among the three plans were the coverage amounts and not the included items themselves. For example, medical expenses are covered up to $100,000, $50,000, and $15,000, respectively. We were surprised that only Preferred and Deluxe have the possibility of including Cancel For Any Reason, and you still have to pay for it as an upgrade. That optional coverage and all other options - Pet Bundle, Wedding Bundle (if your trip is for a wedding that's canceled; doesn't apply if you're the bride or the groom), Adventure Sports inclusion, and so on - will be displayed and can be included once you've chosen your base Travel Guard plan.

BBB gives it an "A+” despite 1,200+ complaints

The Better Business Bureau gives Travel Guard an "A+” rating and accreditation. There were over 1200 complaints filed there, which isn't too surprising considering how much of a market share this travel insurance company has (with thousands upon thousands of policies issued every month). The BBB's rating means you can trust that if you have an issue, it will be addressed and resolved appropriately.

Claims are frequently denied

That being said, it's discouraging to read through complaint after complaint (on the BBB site and elsewhere) describing how often Travel Guard denies claims. It doesn't even seem to matter what the cause is - airline cancellations, lost baggage, you name it - there are too many times when either something that should be covered isn't, or the policyholder had been led to believe that they had coverage when they actually didn't.

Claims process is a chore

Plus, communication from Travel Guard during the claims process is almost nonexistent - and that squares up with our own experience; making a claim for 8 non-refundable plane tickets canceled during the early days of the pandemic, we were only reimbursed in part for a few of them (with Travel Guard incorrectly claiming that the airline had refunded the taxes and fees), and it was rare for us to get any kind of update. It was a pleasant surprise when we received any money back at all - and even that trickled in sporadically, despite making claims on all eight tickets at the same time.

Not our top choice for travel insurance

We're disappointed to have to give Travel Guard such a low rating: many travel agents still recommend this company as their bread-and-butter insurance choice, after all. However, the overall customer experience - including our own - just isn't consistent enough to rank Travel Guard any higher than "barely average”.

More Travel Insurance Plan Reviews

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The 13 Best Travel Insurance Plans

Who offers the best travel insurance.

With daily news stories of delayed and canceled flights, lost baggage, and travelers stranded overseas in the middle of a natural disaster, it's easy to see why travel insurance is so important. Like most types of insurance, travel insurance is bought in the hopes that you'll never need it. But, for most travelers, it's worth the price for the protection it provides.

Have you ever thought that this coverage was just an unnecessary, added expense? That's fairly common: most people assume that they've got protection through their credit card company, their regular health insurance, even their homeowners' policy. In some situations, that may be accurate - but unless you know the details of those types of coverage, you're more likely to be left paying out-of-pocket expenses you thought were taken care of... but aren't included.

Travel Insurance Plan FAQ

What is travel insurance, what does travel insurance cover, what does travel insurance not cover, can i get travel insurance if i have a pre-existing medical condition, is travel insurance expensive, my chocolate is going someplace warm. will it melt, where can i buy travel insurance, is it safe to get travel insurance online.

Continued from above... Continued from above... -->

And, even if you do have that kind of protection, travel insurance policies can amplify your benefits. For example, if you choose a plan that offers $500,000 in primary medical coverage, you might not need to touch your regular health insurance: your bills will be reimbursed up to that amount, no matter what your everyday health plan includes. Car rental insurance can go above and beyond what's paid for by your credit card company or even your own vehicle's coverage - and that can be critical if you're driving in another country and have an accident.

What type of travel insurance do you need? Naturally, that depends on your trip, your travel party, and your budget. A single-trip policy will be more affordable than multi-trip coverage - but if you're traveling internationally more than once in a year, the annual policy becomes much more economical. Do you need to be able to cancel for any reason? Is it important to you to have a waiver of the pre-existing conditions exclusion? Are there any children under 18 in your party that might be included at no extra charge, depending on the insurer you select? These are all factors that will influence your decision when picking a travel insurance plan.

Confused yet? You do have a lot of options. Here are some criteria to help you sort through them and ultimately wind up with the travel insurance coverage you need:

• Quote process. How easy is it to get a quote that matches your insurance needs? Does the site explain the questions it asks, and does it display all of the possible plans in a way you can understand? Can you buy your policy right then and there, or do you have to click through to another site?
• Value. What's included for your premium? From one site to another, you will probably see the same price on any given plan because the states regulate travel insurance prices. However, it's worth your time to compare premium prices and benefits among different insurers, so that you get the most for your money.
• Reputation. It's easy for an insurance company to get high marks from customers if they never had to make a claim on the policy. What do clients who've filed claims say about the way they were treated? Were they reimbursed quickly? Did they get updates about the status of the claim? It's also good to check the Better Business Bureau's rating of any travel insurance service you're going to use.

To help you get the protection you need on your next adventure, TopConsumerReviews.com has evaluated and ranked today's most popular sources of travel insurance. We're confident that this information will make it easy to protect yourself and what you've spent on your trip - and to have backup if something goes off track on your journey. Bon voyage!

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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

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Reviews 1.4.

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please read the reviews before you purchase.

I wish I had read the reviews before I purchased travel insurance. Only to find out they don't cover flight interruption. The agent who assisted me really seemed sincere. I could go on,and,on, and on. Highly disappointed.

Date of experience : April 16, 2023

Flight was delayed because of bad…

Flight was delayed because of bad weather in DFW. We waited 3 days on standby at the airport without any luggage. Booked thru Expedia and bought AIG Travel Guard protection plus paid $667.84 for the insurance. It has been over 2 months since I filed the claim and no response from this company. I sent them all kinds of documents that they requested and still no check. DO NOT BOOK THRU EXPEDIA AND BUY THEIR AIG TRAVEL GUARD PROTECTION IT IS NOT GOING TO PAY YOUR WASTING YOUR MONEY. I am sure i am not the only person this has happened to. This is called deceptive trade and it stops here!!!

Date of experience : March 08, 2023

Dont waste your money

Dont waste your money. Even though you get the trip cancellation coverage there is a fine print they dont tell you about. Unless you are dead, you are not getting your money back. They work like any other insurance company and will take your money and deny your claim. I have filed claims twice with them and neither were approved. One was COVID related and another was an error to the airline.

Date of experience : June 10, 2022

RUN FAR FROM THIS INSURANCE

RUN FAR FROM THIS INSURANCE. I purchased travel insurance through them through Expedia. I had to change a flight and there was an adjustment in cost. Filed a claim which is 100% covered by the policy. Even after saying the claim was approved and will be settled, 4 months have passed and still not received payment of $314. When you contact customer support "they tell you it's in processing" and can't provide an ETA. It's 2020 and a wire transfer is taking longer than "Philippides" in ancient Greek times delivering a message. That's because they have no intention on paying and keep you going in circles. Even the email they provide to submit claims doesn't work, a dubious way they get you to waste time. If you read this, believe me, I'm saving you a headache, migraine and stress, DO NOT USE TRAVELGUARD (AIG) IF YOU VALUE YOUR LIFE.

Date of experience : August 19, 2020

Travel Guard and AIG - Bad choice for travellers

I misguidedly trusted a Forbes.com review when buying a primary care travel insurance policy for a long term trip, only to find that Travel Guard whom they ranked in their top 2, is awful! The AIG policy they sold me is a lemon. Over 2 weeks have gone by and not a single response from AIG for the claim that I sent, and when I called their 24/7 line, received a message saying call after 8.30am EST! I left a message with the details of my policy only to receive a message back saying I was welcome to BUY a policy, when I had left them my policy number! When I called someone not from the East Coast told me their claims are taking longer than 15 business days due to high volume, but they promised a 10-15 day turnaround. I am now stuck with medical bills that were supposed to have been paid, wondering how long this will all take, and incorrect information about the help I should receive.

Date of experience : August 01, 2023

I had a trip to Africa which was my…

I had a trip to Africa which was my trip of a lifetime, that I planned for all year. Emirates Airline cancelled the flight without telling us why several weeks before the day we were set to go. It was right after Iraq was bombed and their was talk of Dubai also being in the cross hairs. We were totally unable to find another flight to Tanzania and had to cancel the trip. Travel Guard is refusing to give us our money because Emirates won't tell them or us why they cancelled! It doesn't matter why, the reality is we had absolutely no way to get there. I am about to contact an attorney. DO NOT USE THIS group that only takes your money and finds 100 excuses not to honor their commitment.

Date of experience : May 07, 2020

Travel Guard sucks

Travel Guard sucks! I have filed two claims; both were denied. 1. The airline went out of business 2. Germany closed their border to tourism a 1 1/2 months before my trip Both were completely unforeseen which is what I thought insurance was for. What is the point in buying insure when there is such limited coverage. Never again! You guys should be ashamed of yourselves!

Date of experience : November 10, 2021

I had a trip schedule to leave for Montego Jamaica from 04/26/2020-05/03/2020. I purchased the insurance as a security IF anything goes array. Yet to say it did. My trip can cancelled a month before w

I had a trip schedule to leave for Montego Jamaica from 04/26/2020-05/03/2020. I purchased the insurance as a security IF anything goes array. Yet to say it did. My trip can cancelled a month before we were able to go. I contacted Travel Guard to file a claim, I'd received the agents name Michael Lund and I still have yet to speak, email, txt, bird call, dammit Morris code with him. They knew Bookit.com was a fraud company. I'm going to push this issue as far as I can. I saved up a year for this trip. Fraud as scammers Bookit.com and AIG Travel Guard are dicking me with no Vaseline!!!

Date of experience : May 01, 2020

Do Not Buy from this company!!!

Do Not Buy from this company! I purchased insurance for my final trip to Maui. I say final because I have cancer. The trip was canceled 6 months in advance of traveling so I asked for my insurance money to be refunded. They refused and I have now lost $662.23. This is the same a stealing from old people! Very disappointed!!!!!

Date of experience : March 03, 2022

They're a scam

You will spend more in notaries than the cost of your ticket if you ever have to use their flight cancellation insurance.

Date of experience : May 02, 2024

The worst travel insurance company out…

The worst travel insurance company out there. This company is a downright disgrace. They should be shut down. My flight was cancelled for me due to COVID reasons, at no fault of my own, and these scammers didn't want to refund my travel policy. They're scamming people right and left at no fault of their own! They won't refund you, they won't transfer the policy, they will offer 0 solutions to help you!!! AVOID THIS COMPANY LIKE THE PLAGUE! SCAMMERS AND LOW LIFES!

Date of experience : May 10, 2021

Pyramid scheme with airline United, Big Scam Dont purchase policy

They do business as AIG also, Dont get they insurance its a scam. I purchased they insurance for a travel and suffered major swelling due to a 12 hour wait/delay in airport. I assume flight would get me home in timely manner after a surgery I had and wind up getting stuck in airport and due to the long wait delay I accumulated major swelling that led to other issues stitches I had busting open and all got out of control and I finally went to ER to get help, I was fine until waiting in airport. My claim was $5,000 money I paid after Er visit and it paid with my credit card and was instructed to submit evidence proof of payment in order for claim to be reimbursed, I did all even United Airlines supporting documents and claim was denied. Do Not bother paying for this type coverage its all a scam, they do not pay out if you get injured as claimed when you purchase policy. BBB need to look into this company. Def some sort of pyramid scheme between them and United Airlines.

Date of experience : September 01, 2021

BEWARE - BEWARE -BEWARE

This is my experience and my opinion. If I could give this company a zero star I would. All the reviews stating this company is a scam are correct in my opinion based on my experience.  I purchased trip cancellaton/interruption insurance. I sustained an injury and Travel Guard (AIG) did absolutely nothing to help me, and they denied my claim after I provided all necessary information. My experience has led me to beleive Travel Guard (AIG) designs their policies to fail their customers. I echo the previous posts who feel it's a scam, cash grab and an untrustworthy company. I think you should go elsewhere for travel insurance. I think this company sells cheap insurance to lure you in and then doesn't deliver in your time of need.  I went as far as sending correspondance to senior staff( Peter Zaffino CEO and others). Not one of these people acknowledged me. A true executive to believes in their company, the value of its customers, and prides themselves with honor and morals would have done more. My opinion is they are shameful and exhibit unethical business practices. I would reccomend Investors think long and hard before they tie their name to a disgraceful company with such business practices as this one.  My experience also leads me to believe, providing quality fair service is not their objective. Their profits are solely based on robbing and tricking policy holders with unclear, policy terms.  I should have paid more attention to previous reviews containing "Customers be warned" I highly encourage potential buyers to understand your policy in detail before buying. A warning sign is customer service unable to interpret their own policy. I experienced first hand how incompetent the staff were  as I tried to navigate my policy with them in my time of need. The staff do not provide proper assistance. I did not feel safe nor protected with Travel Guard AIG.  I WILL NEVER DEAL WITH THIS COMPANY EVER AGAIN.  

Date of experience : May 30, 2024

Worst service ever

Worst service ever. "Forseen" event is the language used to steal travelers money. When I planned a cruise/visit to Europe I foresaw a global pandemic. Travel guard is nothing more than a con/shell game. I will not waste money ever again on this type of insurance.

Opportunistic Svavengers

Travel Guard Policy Confirmation: 941874348 They claim wrongfully that the cancelation of scheduled trip was due to fear; therefore it is not their problem. We got into a lockdown and trips were cancelled to Italy. You owe me $145.84, and I demand my money back. It's been over two months

Date of experience : May 14, 2020

I’m trying to give a one star for…

Putting this review on hold because the company is now trying to work with me. My husband also reminded me that when we had to cancel a family trip to Costa Rica because my mother had a stroke the night before we were to leave, AIG helped us to get our monies paid out back. Maybe they will come through this time as well. I’m trying to give a one star for travel guard, but can’t seem to go lower than 2 stars. Right now, I have been kicked off of my Rick Steve’s tour for testing positive for covid. I had cold symptoms in the very small but lovely village of Dunkeld in Scotland and was tested by the tour leader. Since I tested positive, I was forced to stay behind in Dunkeld, which fortunately has a train station. I could not get into the one physician in Dunkeld and the hotel was full. I did have one further night there booked by the tour. AIG has been of no help whatsoever. They gave me phone numbers to call in the US, but I’m in the UK. I masked up and took a train to Glasgow. AIG recommended that I have a telehealth visit with a physician in MADRID - Spain! While a telehealth visit may be good for some things, not so good with respiratory issues. Otherwise, they suggested I go to an ER in Glasgow. I was not that ill to need an ER, the ER gave me the 24 hour of the NIH for nurse assistance, which AIG (even tho they have a headquarters in London.) AIG is saying that they won’t pay the claim without a positive test on file even though the Rick Steves office is verifying the positive result of the test done in the presence of their tour leader. AIG won’t tell me where to get the test done in Glasgow. It’s like some kind of unending circle game. I think that they are just trying to get out of paying my claim. Choose another travel insurance company. One that actually does what they say they will do. Otherwise, you are just throwing your money away.

Date of experience : August 11, 2023

Complete waste of money and time

Complete waste of money and time. AIG happily took my money to insure a trip, and set a new standard for how to mishandle a claim. I was required to work unexpectedly by my employer the day of my departure, and AIG used the fine print against me to decline my claim. Understand when you purchase a policy, there are very few, extremely rare circumstances in which they will pay on a trip cancellation claim. Furthermore, the initial response I receive from AIG after filing my claim said exactly "Our objective is to promptly inform you of our decision, generally within 10 to 15 business days of receiving your submitted claims form." That email was received on September 22, 2022. I finally received confirmation that my claim was denied on December 14, 2022. That would total 83 days (EIGHTY-THREE DAYS!!!!!) before I received a decision on my claim, in which they found a way to still deny. I cannot properly state how unpleasant and disappointing my experience with this company has been, and I will NEVER do business with them again. If you are considering one of their policies, DON'T WASTE YOUR MONEY.

Date of experience : December 13, 2022

Believe the negative reviews.

Travel Guard (also known as AIG Travel) is little more than a scam. The wording of their policies is so restrictive that it's clearly an attempt to protect themselves from having to pay claims. To further discourage their customers, they make the claims process nearly impossible. For instance, in reply to my claim, they said they needed: • "Claim form with supporting documentation which included: claim form, itinerary, response to the decision letter" — What does that mean? I already submitted the claim form. If I hadn't, there would be no claim in progress. They ask for supporting documentation without saying what that is. It would be like me telling Southwest Airlines, "Please sell me a ticket to city." Itinerary? This request makes little sense. What I planned to do during my trip is irrelevant and their request for such a thing is clearly just an attempt to complicate the process. "Response to the decision letter" is yet another requirement with no explanation. • "Initial explanation for cancellation" —This was already provided with the claim. Why would they claim that it's still required? If you feel you need travel insurance, please buy it through a reputable company. AIG/Travel Guard is no such place. You will not be protected whatsoever and will have donated money to AIG in return for nothing more than false hope.

Date of experience : August 03, 2023

I received my compensation according to…

I received my compensation according to agreed terms, have no complaints to these guys.

Date of experience : November 23, 2020

Horrible Experience! They truly don't care

Booked a one week, Dominican Republic vacation, through Travelocity, leaving from EWR.Showed up early in the morning (paid for parking), well in advance of my flight (JetBlue). At the check-in I was rejected because though my passport expires 7/21/2024 I was told that my passport had to be valid within 6 months of travel. I immediately went to the Travelocity website which says nothing about this for my travel. I then went to the JetBlue website, took screenshots of their directions to review travel requirements for the Dominican Republic, and showed them screenshots where it clearly only states under Passport validity, "Passports must be valid for the period of stay in the Dominican Republic." JetBlue refused to let me on the flight so like any consumer I called Travelocity. The customer service person did everything he could to help but ultimately he said this was an airline issue and he called JetBlue who still would not allow for my travel due to this "6 month" requirement. Understanding this I called my travel insurance I signed up for through Travelocity and it turned out to be AIG Travel Insurance. Of course on a Sunday there is no live person to help at AIG Travel Insurance. I called promptly on Monday and they walked me through filing a claim. In the end they not only did nothing to help me get credited for my NO travel but they had the nerve to send me all their terms and conditions of which none addressed being rejected by an airline as a reason to award a claim. So now I paid $220 for travel insurance that did nothing to help me. Travelocity could not do anything and I had to work with JetBlue who refunded everything but the parking to a "Travel Credit" which I have to use with them. I got my return flight (United) credited which I have to use through Travelocity but the resort refused to credit me even though I also called them on the 9th and 10th to let them know all that happened. I would never use AIG Travel Guard again. They did nothing to help me with my situation or even assist in maybe changing travel.

Date of experience : June 09, 2024

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How is Travel Guard Insurance rated?

Overall rating: 4 / 5 (very good), travel guard insurance plans & coverage, coverage - 4 / 5, emergency medical coverage details, baggage coverage details, travel guard insurance financial strength, financial strength - 3.8 / 5, travel guard insurance price & reputation, price & reputation - 3.8 / 5, travel guard insurance customer assistance services, extra benefits - 4.3 / 5, travel assistance services.

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Cruise interruption for hospitalization

Our Baltic cruise was interrupted when my husband was hospitalized in Norway. After 6 months, some of my husbands bills were reimbursed, but none of mine were. As if I could go on a cruise and leave him in the hospital. The most galling is that Travel Guard does not return calls or communicate with the insured even after repeated calls and emails. NEVER AGAIN!

Date of experience : January 08, 2023

Our school was to have their graduation…

Our school was to have their graduation grade 8 trip back in May. Due to unfortunate circumstances of covid, the trip was cancelled. The travel company sent the refund request to Travel Guard for our refunds. Since early June, it has been "in processing". Our school administrators have been following up frequently and still no answer when we are to get refunded. So now, administration has asked us parents to start going after the company as well. Is this company that heartless of taking money from thirteen year olds????

Date of experience : September 23, 2020

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.

Date of experience : January 27, 2023

Buyer BEWARE! Stay Away!

Purchased insurance in September of 2020 for a cruise in June 2021. Royal Caribbean has cancelled all sailings until further notice. Because it in UNKNOWN on when I will be able to take my cruise I contacted Travel Guard to cancel and refund my premium. Travel Guard refuses to refund any money. After reading several reviews I can see that this company is a scam.They are scamming people every where. Stay away!

Date of experience : May 11, 2021

Don't go for the cheap option

My trip was derailed due to airport employee incompetence. Submitted my insurance claim in January, has taken them 4 months to tell me that they will not honor my claim. They list on their website and insurance package what they will help you with, then when you need help with one of these things, they say they can't. Typical of these cheap option insurance companies, make you go back and forth with them only to tell you they won't pay you out. Always find an excuse to keep your money instead of doing what they sell you. Next time, I will pay extra for a better and more reputable company.

Date of experience : May 04, 2023

Disappointed

My wife and I bought AIG (Travel Guard) travel insurance for our Panama Canal Cruise February, 2022. It included the usual Medical, trip return home and trip interruption coverage starting the day of departing our home and back. Unfortunately, during the cruise I got sick with post Covid bacterial double pneumonia and was hospitalized in a Panama City, Panama for a week. On my release, doctor suggested I stay in Panama City for 2-3 more days to recover further before traveling back to the United States. We decided to fly back home the same day of release (although my insurance policy should have covered staying extra days to recover). We wanted to get home and recuperate in my own bed. Because of time of release from hospital, only flight we could get home got us to Nashville airport (our originating airport) around mid-night. Our home is about 2 ½ hours’ drive from the airport. So, we decided to stay the night near Nashville airport and drive home next day. AIG refused to pay for the taxi to the hotel and our night stay at Nashville. The claims adjuster stated that AIG expected us to drive home at midnight. That’s the day I was released from hospital after a week of hospitalization with post Covid double pneumonia. I needed oxygen to fly home, per doctor’s order. Since I was on wheel chair after release from hospital, throughout various legs of our journey till we got to the hotel in Nashville, we tipped the wheelchair helper and luggage porter. AIG refused to pay for any of it, claiming, it was not covered expenses. How can that be not covered when it was medically necessary. Other than that, I have to say, AIG was fair in handling our claim. We have appealed their decision but they rejected our appeal. Iftakhar and stephanie

Date of experience : April 30, 2022

Slow and unhelpful

Trying to make a claim due to covid 19 cancellation. They have been slow to even respond to the claim. I bought trip insurance but they are now claiming that the accommodation does not form part of the trip. Which is obviously not true. Expedia sell this dodgy company's products which makes you wonder whose interests they have at heart.

Date of experience : June 30, 2020

Don’t buy this!!!!

They ask for an excessive amount of documentation when making a claim that involves getting the airlines to send documents. It is not enough to send boarding passes and proof that was received electronically to show a flight was delayed. I believe they do this to take your money and no pay the claim. I would not go through this headache again and would rather safe my money in the future.

Date of experience : June 02, 2023

Total Nightmare!!

I purchased cancel for any reason which costs extra and is optional - BUT apparently you are not allowed to actually cash it in. I have waited two months to hear anything on this claim and I keep getting asked for info I do not have and just keep getting the run around, if you pay for cancel for ANY reason all you should have to show is that you cancelled the trip. NEVER USE THIS COMPANY!!

Date of experience : April 25, 2022

False Sense of Security

False sense of security. Purchased AIG Travel also known as Travel Guard for a flight to Asia in December before COVID-19 was known. Event that I was attending was canceled due to the coronavirus and quarantines for people returning from Asia were starting in late January. I submitted the lengthy claim form to AIG with documentation. It seems like they're trying to weed out submissions with that process. After several weeks, I received a templated letter that stated my claim was denied. AIG's policy covers very little and the fine print leaves them a lot of room to deny claims. Make sure to review it very carefully or better yet avoid wasting your money with AIG Travel. Instead, purchase flights with airlines that have no rebooking costs or purchase a cancel-for-any-reason policy through another company.

Date of experience : March 05, 2020

Untrustworthy company

When the pandemic cancelled our Viking River cruise, we were not concerned as we had spent $600 for TravelGuard trip insurance. I contacted TravelGuard and was told we could use the policy when out trip was rescheduled. Now a year later I am told they will not honor our rebooking and will not issue a refund because it is past the original date of departure. So they tell you one thing, take your money and provide no service. In any other situation this is theft. Never trust them. I would give zero stars if I could.

Date of experience : March 16, 2021

Would give them 0 stars if I could

Would give them 0 stars if I could. Absolute joke of a company that is built entirely on scamming people out of money. Their coverage is laughable, they take months to even look at a claim and then do everything they possibly can to find loopholes to not provide the service you pay for. 13/10 DO NOT recommend ever using this circus of a business.

Date of experience : January 13, 2023

Heartless frauds

Due to Covid-19, my $12k trip to Bora Bora was cancelled by no fault of my own. Entire countries have borders closed and airlines cannot operate. I could not go on the trip even if I wanted to. Come to find out, Travelguard won’t cover your trip due to the virus unless you actually contract the virus. What a joke. They are taking advantage of a horrible situation and not adjusting to the unknown like each and every person in the world has to. DO NOT purchase a policy with them. You’re better off keeping that money because they will not help you.

Date of experience : March 17, 2020

4 months no refund

I have been waiting for 4 months for my refund and every couple weeks I get " we need more time" BS email. They do not care of value their customers whatsoever as they are utterly incompetent..run away and keep running

Date of experience : December 28, 2022

I bought AIG travel guard for $250

I bought AIG travel guard for $250. Flight was cancelled by carrier. I incurred a taxi bill of $178 due to having to get another flight which was a day later. I had no ride to my final destination because I lost my ride from the airport in Philly to Delaware due to the cancellation. AIG denied my claim because the cost was incurred AFTER I landed. The rep said had my cost occurred prior to landing it would be covered . REALLY! Don’t waist your money!!! Total rip off!

Date of experience : June 11, 2023

Travel Guard - not worth the money

When I first bought the Travel Guard travel insurance, they listed airplane delays as one of the things that was covered, but then they denied my claim for this very thing. We were stuck in customs for over 2 hours and missed our connection flight home. We had to book alternative travel plans due to this missed connection. The process to submit a claim is extremely tedious, and once submitted you never speak to an actual person. Travel Guard took over two weeks to respond back to me about this. It makes me wonder what they actually do cover. So now we are out $300 for the worthless travel insurance plus the additional $450 for the hotel room and rental car to get home.

Date of experience : July 21, 2022

Don't waste your money!

I purchased 2 international flights in Feb 2020, and because of COVID I also purchased AIG Travel Guard, thinking that I would be covered if things got worse. Well, the borders to Germany closed to US citizens and I was unable to travel in August because of this. Not to mention I saved up for a year for my fiance and I to travel abroad. Do you think AIG covered this? Nope! I have gotten the run-around for months now from AIG and every time I call they say that the claim will be expedited to a specialist and I should expect a call in 3-5 days, which never happens! I am wondering what exactly this "travel insurance" covers! Waste of money, unkept promises, never ever purchase this worthless insurance!!!

Date of experience : September 29, 2020

A COMPLETE RIPOFF

A COMPLETE RIPOFF. BUYER BEWARE. The whole reason for getting cancellation insurance is, in case of an emergency, and you can't make it. You have to pretty much be on a death bed to get a full refund. They should mention that right below the "click to buy." Based off the 1000's of 1 stars, and not 1 review above 2 stars, they're well aware of their scam. Thanks to them, I will never purchase cancellation insurance EVER again. Spread the news.

Date of experience : December 27, 2022

Have 2 vouchers for several hundred…

Have 2 vouchers for several hundred dollars. You have to call in, booked a trip in June. After 2 1/2 hours on hold had to give up. Had used them pre-Covid many times as I'm a frequent traveler, it used to be when you called you got someone and they were always friendly and helpful. Now it seems like they're outsource. I can't imagine if I had an emergency and needed their services. Useless company, shame on them.

Date of experience : April 06, 2022

AIG Travel Guard is a joke! STAY AWAY

I had to file a claim with AIG Travel Guard after a souvenir was damaged in my checked baggage. DO NOT purchase this insurance, the process to file a claim is horrendous. It take at least 30 minutes on hold, then they always tell you that your claims representative is busy, but will call you back..... Yeah right! Going on a month and a half and they have my travel dates incorrect and won't cover the claim. Now I'm trying to correct their error, thank GOD I never had an emergency.

Date of experience : August 23, 2019

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Travel Guard Group, Inc.

Travel guard group, inc. reviews ( 217 ).

Review: I PURCHASED 2 TICKETS THRU TRAVELOCITY,AND THEY INSURED THE TICKETS THRU TRAVEL GUARD,PART OF THERE COMPANY.I WAS BRING MY MOTHER FROM NEW YORK IN A NURSING HOME BEING ACCOMPANIED BY MY NEPHEW,HE TOOK ILL AND REQUIRED BEING HOSPITALIZED,I SUBMITTED HOSPITAL DOCUMENTS,THEY ARE REFUSING TO REFUND ME THE MONEY,I PURCHASED THE TICKETS WITH MY DEBIT CARD,THEY WANT TO ISSUE IT TO THE TRAVELERS,AND MY MOTHER PASSED IN OCTOBER HERE IN VEGAS.AND THERE WILL NOT BUGGE.Desired Settlement: I WOULD LIKE THE MONEY THE TICKETS WERE INSURED FOR RETURNED TO ME OR BACK TO MY BANK ACCOUNT. Business Response: To whom it may concern: We thank Mr. [redacted] for contacting us regarding Mr. [redacted] and Ms. [redacted]'s Trip Cancellation [redacted]. This response is in regards to the concerns Mr. [redacted] has described in his complaint. Please note that when an insurance policy is purchased through Travelocity the named Insureds are the travelers in which travel arrangements are booked for. As such, we are unable to issue any payments to any parties outside of the named Insureds/Travelers unless a signed, notarized statement is received from the Insured's requesting reimbursement be made to a non-Insured party. From review of these pending [redacted], we find that the notarized authorization from Mr. Meyers or Ms. [redacted] has not been received. Furthermore, we have also not received a completed and signed Airline Ticket Authorization claim form from either Insured. Upon receipt of this documentation, we can proceed forward with finalizing these [redacted]. Should Mr. [redacted] have any questions, we welcome him to contact the [redacted] adjuster, [redacted], at ###-###-#### Ext. ##### to further discuss Mr. [redacted] and Ms. [redacted]'s claim. Sincerely, Consumer Response:

Review: Hi, Took out an insurance policy with travelguard, to cover a skiing trip to Europe. Got injured before departure from my home in [redacted] Worked with my physician to meet travel guard request and provided documentation. Travelguard, in my opinion, has unfairly and unreasonably stalled, delayed, and denied my claim. I need your help to resolve this matter.Desired Settlement: Please have travelguard pay the claim, in the amounts specified by the documentation I provided to them. Hoping travelguard will work with the Revdex.com, provide their end of the story and that we can come to a fair outcome. I had two different policies with travelguard. My complaint involves the denied claim for Europe ski trip only. Plese let me know how I can assist your office. Business Response: To whom it may concern: This response is regarding the concerns of Mr. [redacted] in relation to his Trip Cancellation Claim #[redacted]. In review of Mr. [redacted]'s claim, we find that his claim was denied due to a Pre-Existing Medical Condition. This was determined based on the information provided from Mr. [redacted] and [redacted] that indicated the medical condtiion first manifested itself prior to insurance coming into effect on 3/2/2012 for the trip scheduled from 3/3-3/24/2012. Mr. [redacted]'s policy did not qualify for the waiver of the Pre-Existing Medical Condition Exclusion as insurance was not purchased within 15 days of making the Initial Trip Payment in January 2012. We have confirmed that Mr. [redacted]'s claim has been properly adjudicated in accordance with the terms and conditions of the policy he purchased based on the information received relating to his medical condition prompting his cancellation on 3/3/2012. Based on the documentation we have received, our position is maintained as the condition causing the loss falls under the Pre-Existing Medical Condition of the policy Mr. [redacted] purchased. Thank you for the opportunity to review and respond to Mr. [redacted]'s concerns. Please note that we have also attached a copy of our response to Mr. [redacted]'s appeal of the claim denial for reference. Sincerely, Consumer Response:

It all sounds great until you have a claim. They pay the parts where the paperwork is 100% perfect and then find ways to deny payment for anything else. Unless you travel with an attorney who reviews every note your foreign doctor and hospital write they will find an excuse not to cover things.

Review: I purchased trip cancellation insurance for four people for a trip. One of the people has been periodically unemployed, collecting unemployment and couldn't' make the trip. This made all of us unable to make the trip. I just received a phone call stating they were denying my claim for lack of documentation. They never ASKED for the documentation for the unemployment, as I told them to contact the person who was unemployed for his info, as it is not my business to see his financial information. They did not do that despite having his contact information.Desired Settlement: I want them to fulfill the claim, as in their policy they will cover the claim if there is unemployment. There is, there was, and he still continues to have periods of unemployment. They are not following through with their policy as they state. I want my claim to paid. Business Response: To whom it may concern: Please note that we have communicated with Ms. [redacted] regarding her Trip Cancellation claim. After discussions with our company, payment has been initiated under her Trip Cancellation claim. We welcome Ms. [redacted] to contact our company with any additional questions she may have at ###-###-####. Sincerely, [redacted].

Review: My complaint consist of two parts: Travel Guard's failure to honor the insurance policy I purchased and Travel Guard's abusive practices involving collection agencies. My wife and I purchased travel insurance through [redacted]. The insurance company [redacted] uses is Travel Guard Chartis and the insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, PA. During our vacation, my wife became ill and had to visit a cruise ship doctor and be given medications. Once we arrived on land, we had to take her to Urgent Care for further testing and medicine. Upon returning home, I filed a claim with Travel Guard to which they originally honored a portion of. When I inquired about the remainder of the claim, I was contacted by [redacted] who demanded I refund the portion of the paid claim. From my perspective, I was covered and Travel Guard still owed me money. From her perspective, I purchased the wrong policy. I explained this was in dispute and I would further investigate my claim. I contacted [redacted] directly and tried to confirm in writing that my wife was covered. [redacted] then directed me to their website and explained that the explanation of coverage was available before confirming any purchase. I was able to confirm coverage through the checkout review. Section 2 of the review says, "Why Buy the Travel Protection Plan?" and the following line says "If a family member gets sick..." I then clicked on "Description of Coverage". Under the Description of Coverage / Flight Protection Plan/ Domestic Destinations for Trips booked after June 7, 2011, I further confirmed coverage. Under the section entitled "Trip Cancellation & Interruption", Travel Guard's policy states "The Insurer will pay a benefit, up to the Maximum Limit shown on the Schedule, if an Insured cancels his/her Trip or is unable to continue on his/her Trip due to the following Unforeseen events:" The first event listed is "(a) Sickness, Injury or death of an Insured, Family Member, Traveling Companion and Business Partner. 1) Injury or Sickness of an Insured, Traveling Companion or Family Member traveling with the Insured must be so disabling as to reasonably cause a Trip to be cancelled or interrupted, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip" My wife was sick as confirmed by TWO licensed physicians (the ship doctor and the urgent care physician) As a result of her illness, our trip was interrupted. We were unable to continue our vacation and had to remain in a hotel resting until her health returned. I provided documented proof of the illness from both my insurance company and the physician's office. The second part of my complaint is towards [redacted]. Without notice, she turned my account over to Summit AR collection agency knowing this account was in dispute as an aggressive bully tactic to get me to refund the money that was legally mine. I was able to quickly resolve the matter with the collection agency ([redacted] was the account manager) through explaining the situation and offering any documentation they needed. Realizing I was in the right, Summit AR quickly cancelled and returned my account to Travel Guard. After researching Travel Guard's business practices, I have found multiple insurance reviews that clearly highlight the consistent failure of this company to honor their policies. A quick Google search will show that consumers frequently refer to Travel Guard as a "scam", "fraud", and "waste of money". Since this incident has taken several hours of my time to resolve, I am asking that the Revdex.com assist me in collecting the remainder of my claim, damages for the time and stress [redacted] and Travel Guard has caused which include but are not limited to the following: the time to work out my case with Summit AR, the cost and time to protect my credit with the credit Bureaus, the postage for letters delivered by certified mail, the hotel in California we had to stay out since we were unable to leave Long Beach due to the illness, the transport from the cruise port to the urgent care facility and from the urgent care facility to the hotel, and the stress of protecting my financial standing and credit score. I hope the Revdex.com can assist in this matter as this will be my first response to Travel Guard's action of turning my claim into collections. If it happens again, I will be turning this over to an attorney.Desired Settlement: All I seek from Travel Guard is an admission of fault and payment on the remainder of my claim. Business Response: To whom it may concern: This response is regarding the concerns raised by Mr. [redacted] regarding his claimed medical expenses. According to the claim records, payment was made for medical expenses incurred by Mr. [redacted]’s wife. Upon further review, it was noted that the policy Mr. [redacted] purchased through [redacted] did not extend coverage for reimbursement of medical expenses. Contact was made directly to [redacted] which confirmed the policy Mr. [redacted] purchased did not extend benefits for medical expenses incurred during the course of a trip (see copy of Mr. [redacted]’s policy attached). Mr. [redacted] references policy wording regarding his Trip Cancellation & Trip Interruption benefit. Please note that while this benefit does provide coverage for medical reasons, it does not provide coverage for medical expenses. This benefit extends reimbursement for forfeited Trip Cost and additional transportation expenses incurred to return to the trip or home. From our review, we can find no evidence that additional transportation expenses were incurred by Mr. [redacted] to return home earlier or later than scheduled. Should Mr. [redacted] had incurred additional transportation expenses to return home or rejoin his trip, we welcome those for review under his Trip Interruption benefit. While we understand Mr. [redacted]’s concerns, the policy purchased is clear in that medical expenses are not covered under any benefit of the policy. We do recognize that an error was made by the adjuster in issuing the original payment to Mr. [redacted]. For this reason, we will not require Mr. [redacted] to reimburse the payment made in error. However, no further reimbursement will be made for any medical expenses incurred due to his wife’s condition. Thank you for the opportunity to review and respond to this complaint. Sincerely,

If you are planning a trip and need insurance, do not use TravelGuard. It is a shrewd business that is quick to take your money with no questions asked, but when it comes to filing legitimate claims, every single piece of red tape comes up through fine prints and contract wording it is simply how they stay operational as an organization. My girlfriend and I (who are both active duty military) booked a 7 days vacation to cancun all paid for. Since we worked in different positions we had to line up our leave dates to match (which was not easy) and the only days we had off were those 7 days. We were supposed to fly out from el paso to houston to cancun and the reverse on the way back. We got to the airport at 6 in the morning, checked in, and saw that there was a huge line at United. Apparently all flights to Houston were cancelled that morning due to a fire at the terminal and after checking various different combinations of departures and arrivals at a dozen different airports we realized that we will not make it to Cancun that day, thus missing out on one day of our precious leave and almost $900. The airline did fly us to Phoenix and had us stay overnight in Phoenix and fly out to Cancun the next day. The reason we did this is because there were only so many flights to Cancun each day in the entire country and we couldnt risk another missed flight from a small airport like El Paso. Before boarding the flight to Phoenix, I called Travel Guard as well as my travel agent and informed them of the flight. The customer service rep stated that she would file two claims for us and that as soon as we get back we should call them to finish those claims. A week later we came back and I called travel guard and submitted all of my paperwork (itinerary, receipts, flight changes, etc...). After several emails, I finally got an answer back saying I needed information from the airplane stating why it was canceled and if I submit that my file would be complete. So I contacted United and asked them to retrace back to my old flights (which was not easy since they recycle flight confirmations), and after a couple of weeks, a United service rep emailed me: Dear Mr; Thank you for submitting the information I requested. Thank you for contacting United Airlines Customer Care. I am sorry your flight didn't operate as scheduled and apologize for any inconvenience. As requested, on December 9, 2013, Flight [redacted] from El Paso to Cancun connecting in Houston was canceled due to airport terminal problems affecting our operation. We appreciate this opportunity to be of assistance and look forward to providing you a more positive travel experience. Regards, So I forwarded this email to Travel Guard, waited a week, called and the service rep stated he did not receive it. Apparently there is a new email that claims must be forwarded to that I wasnt aware of. So I had to forward this same email again a week later. Total time elapsed since I first spoke with with a travel guard agent is getting up to 2 months and dozens of emails. I've also talked to upward of 5-6 different agents who seemed more interested in pushing my files to the next person than actually processing it. I've also contacted my travel agent during this entire debacle to no avail. It was just yesterday that I received word that travel guard denied my claims because the delay was caused by the airline. Never mind that fact that their silver policy has this stated: TRIP DELAY The Company will reimburse the Insured up to the Maximum Limit shown in the Schedule or Declarations Page for Reasonable Additional Expenses until travel becomes possible to the originally scheduled Destination, if the Insured’s Trip is 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: (a) the Insured being involved in or delayed due to a traffic accident while en route to a departure as substantiated by a police report; (b) Common Carrier delay; (c) the Insured’s or Traveling Companion’s lost or stolen passports, travel documents or money; (d) the Insured or Traveling Companion is quarantined; (e) Strike; (f) Inclement Weather which prohibits Insured’s departure; (g) Natural Disaster Delays in common carrier I would imagine covers airlines. But the mistake I made was not reading the fine prints at the bottom of the policy. You see, theres a line in there that said: The following exclusions also apply to Trip Cancellation and Trip Interruption: Unless otherwise provided by this plan Benefits will not be provided for any loss resulting (in whole or in part) from: (a) travel arrangements canceled by an airline, Cruise line or tour operator, except as provided elsewhere in the plan; But what does that mean? Does that include everything that is associated with the airline and the terminal? Did that just contradict what they said earlier? So you see, I am disappointed that I lost a day of vacation for no reason along with the 900 dollars we've spent through no fault of our own. Even the airline admitted there was an issue with the terminal. As a traveler who bought insurance, I would hope that if my trip was not covered because of these fine prints, the very least they could do is reimburse my initial payment since our trip got interrupted. But the contrary happened. I was given the go around and ultimately denied two months later for filing a legitimate claim. I understand that as a business you try to make profits and often times insurance companies get fraudulent claims but with travel guard, even a legitimate claim that you paid for must translate well with their contract wording. The money wont mean much in the long run, but that kind of broken trust is hard to ignore.

Review: We purchased a travel insurance policy with Travel Guard...We purchased this travel insurance in the event of an unforeseen emergency. Our trip and tour to Italy cost us $5,600, plus an additional $470.00 to purchase the policy. While we were in Italy our trip was interrupted for I suffered a heart attack and heart failure, which did not allow me to complete my trip. My health was in grave condition. I asked for assistance to fly back a day early to obtain medical help I was denied a flight by travel guard. We incurred taxi expenses totaling 280.00 in American dollars. Travel Guard was informed the day the emergency happened and their level of service poor and their policy promises untrue!!! We asked for help and denied help. I could have died because of their lack of cooperation, service and help. I should sue them , though all I have asked them for is a refund of $470.00 of policy!!! They are claiming a refund of $49.00 in taxi costs is adequate. I purchased insurance to cover me for travel interruption clearly stated in their policy. They will not hold true to their policy. I want my $470.00 money back!! They have delayed responses forever. Do not buy travel insurance from this company!!! They do not keep their policy promises.Desired Settlement: We want our money back!!! $470.00.. Travel Guard insurance policy worthless!!! Business Response: To whom it may concern:

Review: Travel Guard Insurance is refusing to pay a "Delayed Baggage" claim and out-of-pocket expenses incurred. On September 27, 2013, I arrived at Savannah airport from Washington Dulles but my baggage did not. I had purchased travel insurance with Travel Guard and delayed baggage is part of that policy. I did not get my baggage until THREE DAYS later, which clearly, clearly, clearly is delayed baggage. I had about $41 in out-of-pocket expenses during that three-day period to cover necessary items that were in the suitcase that I did not have. I had called the company on the day of travel and on the following day and was told by two representatives that I did have a claim, but that the Claims Department was not open until Monday. On Monday morning, I called Travel Guard, only to be told by two other representatives that no, I did not have a claim. Travel Guard says that I was "home," and not on the trip and therefore I am not entitled to any reimbursements or claims. My baggage was delayed for three days. Again, three days. And again, three days. It didn't matter whether or not I was "home." I had no baggage. IT WAS DELAYED. I cannot repeat that enough times. I am completely disagreeing with the company's assessment, especially when I was told by two agents that I did have a claim.Desired Settlement: I would like for Travel Guard, which I feel misrepresented itself (and which could be considered fraud), to pay the Baggage Delay claim of $300 AND, because of the enormous amount of time spent on this issue, I would also like a complete reimbursement of $34 for the policy. Business Response: To whom it may concern:

Review: I filed a claim for a refund from travel guard co. for a trip that I had booked with bookit.com on 6-5-2013 I received a letter on July asking for additional information I fax the additional information on July 5th then I call a week later to see how long it would take to complete my claim and they stated another 2 weeks so 2 weeks went to several weeks I called them and asked what was the delay they stated that they had to contact bookit tour to verify my information which would take another week or so I then replied why they didn't contact bookit tour when they first received my information rep couldn't give me a answer why I then called the first week of August I was told that they received a reply back by bookit tour so I then replied so why isn't someone processing it no response but the reply was on August 7 th and I said to the rep it was been two days since you have received the reply why haven't been process for a refund rep replied the person that it handling the claim may be on vacation or out of the office I then replied do they just let the claim just sit there until the person returns why don't they have someone to handle the claim if the person is out of the office. I then asked to speak with a supervisor he then put me on hold for a couple of minutes then came back to say that one wasn't available I asked if he could then transfer me to the claims department lori came on the phone from claims department I asked her if she could get a supervisor she stated that one wasn't available she said that she would transfer me to the voicemail of a supervisor. I left a message then a supervisor did contact me back and said that she left a message for the lady that is handling my claim on Monday I am very upset that they would take this long to give me a refund in several of my conversations with the company that I was on disability and I needed the refund to send to my son oversize and that he needed the money.Desired Settlement: Check Business Response: To whom it may concern: We thank Ms. [redacted] for her comments and concerns regarding her Trip Cancellation claim. Please note that payment was initiated on Monday morning. The check will be issued this afternoon. Ms. [redacted]'s adjuster will follow-up with a phone call to confirm. Should Ms. [redacted] have any questions, we welcome her to contact our Claims Department at ###-###-#### to speak with her adjuster, Lindsey, at extension [redacted]. Sincerely,

Review: I was informed that my insurance (purchased on March 8th) was non-refundable after my flight was canceled. A charge was executed on my card, despite the flight being canceled. I was informed there was "nothing we can do" and that I would be purchasing insurance for a ticket that didn't exist. This is poor business, and I will not being doing business with them again. According to them, I have purchased a service that is unusable, and I am stuck with the consequences.Desired Settlement: Refund insurance cost deducted from my credit card, due to a lack of service provided. Business Response: RE: Revdex.com Complains # [redacted] Unfortunately we are not able to review the complaint until we have the policy information. We have tried to contact the customer via the phone number that was provided and were not able to connect successfully. We have emailed the customer requesting more information, including their policy number. We will await their reply. Our company always strives to give the finest quality service to our customers, while administering the contract as it is written.

Review: We purchased Travel Guard Insurance for a plane ticket to South Africa for my wife with family there. Travel Guard advertised that they would refund the price of an airline ticket if for unforeseen circumstances the traveler (my wife [redacted]) could not make their flight. When we purchased a plane ticket for my wife, our mother had already been scheduled for lung surgery that was "deemed" fairly routine. After receiving information from the surgeon that the hospital stay would be short, we planned my wife's trip accordingly to the time the surgeons said our mother would be out of the hospital and relatively recovered. Our mother went into the hospital and had her surgery, however, the doctors then found other problems which required an unanticipated longer stay in the hospital. At this point the surgeon's could not tell us how long that stay would be and could not tell us what condition our mother was in (she is an ** year old woman, now **). We had to make a decision about my wife's travel. My wife decided not to travel to South Africa. We did not know what the condition of our mother was and we were very concerned. Again, we KNEW our mother was going to have surgery before we made plans for travel and planned according to the information given to us by the surgeons! We cancelled the plane trip due to our mom's deteriorating condition and unplanned longer stay in the hospital which was undetermined how long at the time we had to make our decision. The plane ticket was for May 21, 2013. We contacted Travel Guard the day before the plane reservation to notify them that the plane will be missed and requested information on how to make a claim to get our money refunded for the ticket which is what Travel Guard claimed that the insurance is for (due to unforeseen circumstances). On June 27th, 2013 we had collected the hospital and doctor documents that Travel Guard required and submitted them to prove our claim. This was almost 3 and a half months ago (4 months from claim initiation). The company makes a claim that all will be resolved in 30 days! I have made countless calls to contact travel guard and RARELY are they returned. There system is set up where you basically never get a real person and usually a computer that states you'll be contacted in 48 hours which only sometimes happens. I was assigned a representative [redacted]. She was extremely unhelpful. She always had an excuse as to why the claim hadn't been processed and always required more and more information. Then, I was assigned a new representative [redacted]. Same thing went on.They kept saying they needed more and more medical records. Finally, we provided them with official medical records where the surgeon even in his own records documented that we were not able to make the flight due to the change in condition of our mother in the hospital! The last I heard they were supposed to be waiting for records that I personally handled at the hospital for Travel Guard directly! This was well over a month ago. My last contact with Travel Guard was the letter attached below which was almost a month ago. I have received no response again! This is worse than poor business practice! We have more than proven our need to not make our flight due to our mother's condition and an unscheduled extended stay in the hospital. My last letter is below. [redacted]. and [redacted] 9-8-13 Claim # [redacted] Travel Guard Claims Department Attn: [redacted] Dear Ms. [redacted], I am writing to inquire why this claim is taking so long? It has now been 3 months since the claim was made. The advertising states that it only takes 30 days? With the last documents sent in, one of the lead main surgeons (Dr. [redacted]) dealing with our mom's hospital care even comments in the official records that my mother had to stay in the hospital an extended amount of time and that due to this information, he was aware that we had to make a decision on whether [redacted] was to proceed with her travels. Due to our concern for the health and life of our mother we had to make a hard decision to forgo the travel plans and stay close incase our ** year old mother got worse or passed away. The reason is clear. The doctors records verify all the facts. We do not understand why this is not a clear cut easy decision to approve our claim? We would greatly appreciate your help in getting final approval for our claim! Thank you for your help and time! Sincerely, [redacted]Desired Settlement: We have more than proven our verifiable reason for not making the plane flight. We have been more than patient waiting for Travel Guard to remit our cost for a plane ticket. Four months is a ridiculous amount of time to wait. Our desired outcome is that Travel Guard honors their insurance commitment and refunds us the airplane ticket cost. Business Response: To whom it may concern: This response is regarding the concerns raised by Mr. [redacted] on his wife's Trip Cancellation claim. The purpose for additional review was due to the fact that Mrs. [redacted]'s policy does not provide coverage for loss due to Pre-Existing Medical Conditions. As such, medical records were required to rule out the condition causing the loss being a Pre-Existing Medical Condition. Upon further review of those records, we were able to identify that the reason noted on the Attending Physician's Statement claim form completed by [redacted]'s doctor show the conditions causing this loss as falling under the Pre-Existing Medical Condition exclusion. However, further review of these medical records also showed a change in [redacted]'s condition showing additional medical conditions not previously diagnosed or discussed in the medical records occuring in May 2013. Based solely on these conditions found only in the medical records requested, we have been able to find a payable medical condition to allow for reimbursement of this loss. Please note that this claim is currently with Mrs. [redacted]'s adjuster, [redacted], for finalization. She will be contacting the [redacted]'s to confirm the amount of payment after her calculations are complete. Should the [redacted]'s have any questions, we welcome them to contact [redacted] at ###-###-#### Ext. #####. Sincerely, [redacted]) Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.] I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: Purchased travel insurance for my trip to Detroit on 9/2. unfortunately my brother in law passed away. Travel Guard requested when I filed a claim the Death Certificate. I advised them that I did not understand why they required that level of detail. Due to issues with Identify theft of deceased persons, my family does not allow that type of information to leave their possession. The agent I told this to, advised me to just send in the docuementation that I had, which was the funeral program, the signed document from the Funeral Director, and I included a map where he was buried. I did this last week, and yesterday received a reply back that they wanted the death certificate. My first issue is that they want this level of detail, and when I inquired about that they did not reveal at the time I purchased the ticket. I do not even recall receiving an email with the details of the policy. They need to include that information prior to people purchasing their insurance. I am upset because the agent I spoke with made it sound as if they would accept the documentation that I did have, and am very disappointed that they did not honor that, and again asked for a death certificate. I checked with various people who have purchased other travel insurance, and they have never been asked to provide that information. Not only that Death Certificates are not cheap either. I want to report them, and I want the money for the ticket back, as they agreed. My next call is to the State's Atty.Desired Settlement: Refund, and improvements to their notification process for people prior to purchasing the insurance. If I had been given this information prior, especially knowing that I had an ill relative, I would not have purchased the insurance and would have sought another means of insuring my travel. Business Response: To whom it may concern: This is in response to the concerns raised by Ms. [redacted] regarding her Trip Cancellation. According to the information provided, Ms. [redacted]’s trip was cancelled due to the passing of a family member. Please allow us to express our sincere condolences to Ms. [redacted] for her loss. A copy of the death certificate or a physician’s letter showing cause of death has been requested since certain General Exclusions apply to the policy. Proof of loss is required in order to continue processing the trip cancellation claim. Please refer to the policy wording, which states in pertinent part: Trip Cancellation and Trip Interruption Proof of Loss. The Insured must provide Travel Guard documentation of the cancellation or interruption and proof of the expenses incurred. The Insured must provide proof of payment for the Trip such as canceled check or credit card statements, proof of refunds received, copies of applicable tour operator or Common Carrier cancellation policies, and any other information reasonably required to prove the Loss. Claims involving Loss due to Sickness, Injury, or death require signed patient (or next of kin) authorization to release medical information and an attending Physician’s statement. The Insured must provide Travel Guard with all unused air, rail, cruise or other tickets if he/she is claiming the value of those unused tickets. Once we receive the required information from Ms. [redacted], we can continue to review the claim. Should Ms. [redacted] have any questions regarding the information needed to review her claim, we welcome her to contact the claims analyst, Nicole Niewiadomski at ###-###-####. Thank you for the opportunity to review and respond to Ms. [redacted]’s concerns. Sincerely, Matthew [redacted]

Review: Upon booking a flight with Frontier Airlines I purchased the travel insurance offered for my flight by Travel Guard.My daughter and I were scheduled a return flight to our hometown on Saturday, Jan. 17th, 2015. My daughter developed a cough and earache in the days leading up to the flight. On Friday, Jan. 16th at approximately 11am I contacted Travel Guard and asked them how I would file a claim to changed our flights. The lady I spoke to was very friendly and informed me that illness and the costs incurred were covered up to a total of $800 ($400 per person) and specifically included the increase in airfare. She told me it was very simple and that all I needed was a doctors note. I made an appointment at a local clinic that evening after travel guard closed, and based on the doctors recommendation changed our flights to the next available flight from FLL to SDF costing me a total of $535.16. On Travel Guards next day of business I called to file the claim and was told that there was specific paperwork that needed to be filled out by the doctor. I was not told this prior to the doctors visit in an out of town city. I was also told that the change in fare wasn't covered. I explained that this had all been cleared the previous Friday by an employee of Travel Guard who made it seem very simple. Instead I was given a medical release that I needed to sign so that travel guard could contact my childs doctor to prove this wasn't an ongoing issue, and several other documents to fill out and return. After no correspondence from Travel Guard I was refunded $150, just the fees required to change the flights, and not the difference of the cost of the flights. The difference of the cost of last minute flights is an incurred expense, and is not specifically named as something that is not covered, and I was told that it was!Desired Settlement: I would like Travel Guard to refund by full amount of $536.16, as well as the cost of purchasing the Travel Guard insurance in the first place. Business Response: To whom it may concern:

Review: The advertisement came in as part of buying our flight tickets to India (Departure May 20th, 2014) via budget air by auto select option of the travel insurance. After we bought the tickets we realized it was included in the travel with ticket pricing. But recently my husband's company provides a similar emergency travel assistance free insurance. We tried to cancel the Travel Guard insurance and they would not refund the money. We paid into something that we are not going to use it as we have nearly duplicate insurance. Here is the transcript of the emails:Desired Settlement: I want full refund of money, if they are concerned with good ethical business practice. Business Response: After corresponding with the customer on 05/14, Travel Guard made a resolution and refunded the customer in the full amount. We appreciate our customers and their business. Thank you, Travel Guard Adminsitration Department Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.] I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Very pleasant conversation with [redacted] from Travel Guard, tons info on claims condition. We are looking to buy travel insurance to Asia, and conclude the quality of insurance many times coming out when you filing the claim. [redacted] has been very helpfull, corteous, patient thru all the clausules. We seems going to purchase Travel Guard. phone 800-826-4919 option 2 then option 2. [redacted],Orange County.

My wife entered hospital on second day in Lima, Peru, and had to cancel remainder of trip including Machu Pichu. Travel Guard was absolutely fantastic in refunding even though I only submitted paperwork 11 months after the trip (I procrastinate terribly with paperwork). They had only one question and then cut checks after their review. It helped that I had all receipts.

Review: I filed a claim for reimbursement for my cancellation costs for a trip that was originally scheduled for July 3, 2014 through July 7, 2014 and subsequently cancelled. This trip was to my knowledge booked on June 29, 2014. At the time of booking I also purchased travel insurance through your company for this trip. I visited my physician on June 26, 2014 for a routine checkup and since I also have allergies and was coughing constantly he decided to treat me for an upper respiratory infection and bronchitis. He was aware that I was planning a trip out of town at that visit and did not suggest I change my plans. He did, however suggest that if I didn’t get better in a short amount of time that I would need to revisit the issue and possibly add some medications to my treatment plan. I was instructed to call back if I did not improve rapidly. I called my physician on June 30 and he added an inhaler and Singulair to my treatment. At that time he did advise me to cancel my trip since there was worsening of my symptoms. I had no problem cancelling because I was under the impression that I would not be out of pocket any expenses due to my purchase of travel insurance. Travel Guard has repeatedly denied payment for my cancelled trip stating that they need additional medical information which has been provided to them by virtue of the Claim Form and additional follow up requests made to my physician. They are just stalling in hopes that I like so many others will simply drop my claim. That is very obvious and it is also obvious from other complaints that this is their policy. As was CLEARLY stated on the Claim Form which was completed by my physician, he did CLEARLY state that at the time of purchase of my insurance on June 26, 2014 I was able to travel. He also CLEARLY indicated on this same Claim Form that he advised me to cancel this trip on June 30, 2014 and also advised that he did not perform an examination on that date. Nothing has been presented to Travel Guard that was not clearly accurate and truthful. The very fact that they have strung this claim along and continue to ask me to jump through hoops in providing additional medical information after having received this form from a Board Certified physician certifying that yes I was indeed able to travel when booking and when purchasing insurance but that my condition worsened and became bronchits to the state that I was then unable to travel and after receiving medical records from this same physician. It is obvious that Travel Guard is deliberately extending this matter in order to impede my claim and to perhaps encourage me to forego my claim. Their travel insurance appears to be a scam and con and others should be made aware of their inability to make a claim and have it paid timely or in fact at all. I purchased this insurance in good faith and I expected the company to honor the claim in the same respect. I made a demand to them on September 26, 2014 to pay the claim within ten (10) days which they have not done. I respectfully request your assistance in this regard and in making sure that it is public knowledge that Travel Guard does not honor its claims. Payment of the $383.69 claim was demanded. I have had no further response from them and did not expect that I would - their approach is to hope that the claim goes away. Donna [redacted]Desired Settlement: Full payment of the disputed claim in the amount of $383.69. Business Response: To whom it may concern:

Review: On August 11, 2014, I submitted a claim to Travel Guard under policy # [redacted] on behalf myself and my wife, which I had purchased in January 2014 for travel between July 1st, 2014 and July 11th, 2014, for Trip Cancellation resulting from the death of my wife's grandmother. The total claim amount covered the charges we incurred as a result of having to re-book flights through both [redacted] and LAN Airlines - in total we claimed $1422.74 or $711.37 per person. Our coverage for the policy states that we are eligible for $750 of coverage per person in the event of Trip Cancellation - however, we were only paid $250 total or $125 per person, as Travel Guard will only pay for the change fees we incurred for changing our [redacted] flights. The information relayed to us both via the policy documentation and via the Travel Guard claim specialist that we spoke to prior to changing our travel was that all of our travel should be covered in the policy for the dates covered, regardless of the supplier.Desired Settlement: We would like Travel Guard to pay the difference between what they initially paid ($250) and the full amount of the claim ($1422.74) for a total of $1172.74. Business Response: To whom it may concern:

Review: I filed a travel claim with Travel Guard. They gave me the full amount $1929.18. A year later, they asked for the money back. I refused, explaining to them that I supplied all of the appropriate documentation in the past. They then turned the matter over to Summit Account Resolution, a collections agency. I explained to them that the claim was legitimate as evidenced by the documentation and that I would not be returning the money. After another year of dealing with them, they put an adverse account on my Trans Union Credit Report.Desired Settlement: I would like my credit report to be cleared of this by Summit Account Resolution or Travel Guard. Business Response: To whom it may concern:

Review: We had to cancel our trip because our daughter was sick and potentially could be hospitalized. When I filed the claim for our travel insurance I waited for several weeks for a response. After calling for every day for over a week unable to speak to an actual person in the "Quality Assurance" department I reached an agent who explained that my claim was denied based on the doctors notes and that is all she would tell me. I asked how that would cause the claim to be denied and she said that our policy was not in effect when our daughter became ill, which is not true and the doctors notes do not say anything about prior illness of which their was none and I have documentation from regular check ups that I turned in as well showing she was in perfect health until the day before our travel. I have spent the last week calling every day, never able to reach a person in the "Quality Assurance" department and everyone else at Travel guard says I have to speak to that department and they cannot help me. I have left numerous messages daily and emails, none of which have been returned, except for one automatically generated email.Desired Settlement: I would like our claim of $4,255.56 to be paid by the insurance company as our claim fell within all the requirements of the contract. Business Response: To whom it may concern,

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Description: Insurance - Travel, Insurance Services, Insurance Agencies and Brokerages (NAICS: 524210)

Address: 3300 Business Park Dr, Stevens Point, Wisconsin, United States, 54482

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Travel Guard Group

• Stevens Point, WI

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3300 Business Park Dr, Stevens Point, WI, 54482, United States

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There is a reason for so many terrible reviews,it’s my experience that you just as well not have any travel insurance if you buy from Travel Guard .I’m disappointed in Expedia for offering this company. Customer service non existent, they have a call center that is of no use, A total waste of time and money. I will be a little smarter next time to stay away from Travel Guard and Expedia. I would give them zero stars if I could.  

Sun country kept delaying our flight. They delayed it by 3 hours with no guarantee that there wouldn't be further delays. I live 5.5 hours from the airport I needed to fly into and I had transportation arranged for one night only to pick me up. I had to quickly book a flight on delta and cancel my sun country flight. I spoke to a travel guard rep before doing this and gave them all the info as to why I needed to cancel my flight, and the rep thanked me and said that he would get the claim submitted for me. Only to find out a...   read more

It's a scam. Their policies are designed to make it impossible to get a payout.  

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Travel Guard Group has a 2.2 star rating with 119 reviews.  

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About Travel Guard®

About Travel Guard

Travel Guard is one of the world’s leading travel insurance companies. We specialize in providing state-of-the-art travel assistance for millions of leisure and business travelers around the world. Travel Guard provides customer service with a personal touch through a network of service centers located in Asia, Europe and the Americas, ensuring the highest quality in:

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

By helping leisure and business travelers alike solve travel-related problems and manage travel-related risks, our global reach, service quality and proven operational capabilities allow travelers to receive best-in-class care.

Travel Guard is the marketing name for Travel Guard Americas LLC, Travel Guard Worldwide, Inc., and Travel Guard Group, Inc.

Travel with Confidence

AIG Travel has an unsurpassed global travel insurance underwriting capability through AIG’s insurance operations in more than 80 countries and jurisdictions. Millions of leisure and business travelers alike rely on Travel Guard®, AIG Travel’s portfolio of travel insurance and travel-related services, to help them recover from unexpected circumstances that can interrupt their travel plans.

Through eight wholly owned and managed*, state-of-the-art global service centers conveniently located in Asia, Europe and the Americas, customers have access to 24/7 emergency travel assistance, medical and security services with more than 40 languages spoken on-site.

Our global reach, proven operational capabilities and claims expertise enable us to provide best-in-class service to our clients and their customers.

About AIG Travel and Travel Guard

AIG Travel, a member of American International Group, Inc., provides travel insurance and global assistance through innovative product offerings. Travel Guard® is the marketing name for its portfolio of travel insurance and travel-related services. From lost luggage to a medical emergency, our 24/7 multilingual assistance team is always just a phone call away. Through our global service centers and a network of experienced providers, we deliver medical and security assistance to help our customers travel with confidence. AIG Travel is a socially responsible and inclusive organization that meets the diverse needs of leisure and corporate travelers alike. Learn more at  www.aig.com/travel  or  www.travelguard.com , and follow us on  Facebook ,  Instagram  and  LinkedIn .

American International Group, Inc. (AIG) is a leading global insurance organization. Building on 100 years of experience, today AIG member companies provide a wide range of property casualty insurance, life insurance, retirement products, and other financial services to customers in more than 80 countries and jurisdictions. These diverse offerings include products and services that help businesses and individuals protect their assets, manage risks and provide for retirement security. AIG common stock is listed on the New York Stock Exchange.

Additional information about AIG can be found at  www.aig.com  | YouTube:  www.youtube.com/aig  | LinkedIn:  www.linkedin.com/company/aig .

AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit our website at  www.aig.com . All products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all countries, and coverage is subject to actual policy language. Non-insurance products and services may be provided by independent third parties. Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds, and insureds are therefore not protected by such funds.

*An AIG partner manages our service center in Bulgaria.

Call us at: 800-826-5248

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Coverage available to U.S. residents of the U.S. states and District of Columbia only. This plan provides 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 this policy with your existing life, health, home, and automobile insurance policies. 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, 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 Avenue of the Americas, 37th FL, 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. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. The purchase of travel insurance is not required in order to purchase any other product or service from the Travel Retailer.