aig travel insurance brochure

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Individuals

Private client group.

Policyholders in the U.S. can make online payments.

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Access workers’ compensation claims information, including FAQs, payments, prescription data, doctor information, and more.

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Report Aerospace, Commercial Auto, General Liability, Property, and Workers’ Compensation claims.

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Track the status of controlled master programs, view policy details, download policy documents, access invoices, and more.

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Receive free, accredited online training in multinational risk assessment and program design.

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Generate loss runs, download policy documents, access applications and tools, and more.

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Submit requests to become an AIG appointed brokerage/agent, expand or terminate your current AIG appointment.

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AIG Travel Guard

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

Travel Guard Plans

Compare coverage levels and pricing on our most popular plans with our product comparison tool—and find a Travel Guard plan that’s right for you.

Deluxe Plan

Our top-of-the-line, comprehensive travel coverage that sets the standard.

Preferred Plan

A comprehensive travel plan with superb coverage and service from start to finish.

Essential Plan

Savvy coverage for the budget-minded traveler.

Pack N' Go Plan

Immediate coverage for unplanned trips and adventures

Annual Travel Insurance Plan

Year-round coverage for your travel investments.

Millions of travelers each year trust AIG's Travel Guard to cover their vacations

Travel insurance plans provide coverage for certain costs and losses associated with traveling. Travel Guard ® helps you navigate canceled flights, lost bags, sudden health emergencies, and much more—almost anywhere in the world. Whether you’re planning a two-day getaway, a cruise, an adventure vacation, or a month-long international holiday, our plans help cover travelers and their trip inverstments.

Education Center

Sort through common questions about travel insurance

Traveler Resources

Safety information and travel tips for travelers

Preparing travelers wherever their journey takes them

AIG Travel CEO Jeff Rutledge shares how the underlying risks of travel have changed and what AIG is doing to help companies and individuals manage risks.

Coverage available to residents of U.S. states and the District of Columbia only. These plans provide insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of each policy with your existing life, health, home, and automobile insurance policies, as well as any other coverage which you may already have or is available to you, including through other insurers, as a member of an organization, or through your credit card program(s). If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc .(Travel Guard). California lic. no. 0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, www.travelguard.com. CA DOI toll free number: 800-927-HELP.

This is only a brief description of the coverage(s) available. The policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Ave of the Americas, Floor 41, New York, NY, 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.

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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 .

AIG Travel Guard Insurance Review: What to Know

Erin is a credit card and travel rewards expert at NerdWallet, based in Baltimore, Maryland. She has spent nearly two decades showing readers unique ways to maximize their investments and personal finances. Prior to joining NerdWallet, Erin worked on dozens of newsletters and magazines in the areas of investing, health, business and travel with Agora Publishing. Her love of travel led to a passion for credit card and loyalty rewards to subsidize trips, and she thrives on teaching others how to harness the power of credit card rewards. When she's not writing or editing, Erin is planning her next adventure for her family of four using points and miles. Erin recommends this card as the cornerstone for all travelers looking to build up their rewards portfolio - see it here.

Elina Geller is a former Travel Writer at NerdWallet specializing in airline and hotel loyalty programs and travel insurance. Her passion for travel rewards began in 2011 when she flew first class to London and Amsterdam on British Airways and used hotel points to stay in both cities. In 2019, Elina founded TheMissMiles, a travel rewards coaching business. Elina's work has been featured by AwardWallet. She’s a certified public accountant with degrees from the London School of Economics and Fordham University.

Mary Flory leads NerdWallet's growing team of assigning editors at large. Before joining NerdWallet's content team, she had spent more than 12 years developing content strategies, managing newsrooms and mentoring writers and editors. Her previous experience includes being an executive editor at the American Marketing Association and an editor at news and feature syndicate Content That Works.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

Coronavirus considerations

Travel insurance plans offered by aig travel guard, how to buy a travel guard policy, additional travel insurance options and add-ons, what’s not covered by a travel guard plan, who should get a travel guard insurance policy, travel guard, recapped.

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.

As one of the world’s largest insurance companies and with a 100-year history, it makes sense that AIG would offer travel insurance. AIG’s travel insurance program, called Travel Guard, provides a number of coverage options to offer peace of mind on your trips.

Travel insurance helps you get some money back if anything goes wrong on your trip. If you’re thinking about buying coverage for an upcoming trip, first look into the coverage you may get from your travel credit cards . Many basic protections are offered on cards that you may already have.

If you’re looking for additional coverage, AIG travel insurance is a solid choice. Consumers Advocate rated AIG’s plans at 4.4 stars out of 5 stars.

» Learn more: The majority of Americans plan to travel in 2022

Importantly, if you catch COVID-19 before or during your trip, you will be covered under Travel Guard’s trip cancellation benefit. If you become sick with COVID-19 during the trip, the medical expenses and trip interruption benefits will kick in. However, Travel Guard considers COVID-19 a foreseen event and as a result, certain other coronavirus-related losses may not be covered. Given the constantly evolving travel environment, review the Travel Guard’s coronavirus coverage policies so that you’re award of what is and isn’t covered.

Here’s what you need to know about AIG's Travel Guard insurance plans.

AIG travel insurance’s Travel Guard plans cover you if you need to cancel (or interrupt) your trip due to illness, injury or death of a family member. Inclement weather that causes a trip delay or cancellation is covered by all Travel Guard policies as well.

Travel Guard offers three main AIG travel insurance plans, plus a host of add-on options. Here are the most essential benefits:

Travel Guard Essential - The most basic level of coverage

Covers 100% of the cost of your trip if it gets canceled or interrupted due to illness.

Includes a $100 per day reimbursement for any delays in your trip (max $500 total).

Covers up to $15,000 in medical expenses ($500 dental), plus a $150,000 maximum for emergency medical evacuation.

Covers up to $750 in compensation for stolen luggage and a maximum of $200 if your bags get delayed by more than 24 hours.

Travel Guard Preferred - This midlevel plan gives many of the same basic coverages as the Essential, but at higher levels.

Trip cancellation pays out at 100%. If your trip gets interrupted, you’ll get 150% of the cost of the trip.

Trips delayed by more than five hours will get you up to $800 ($200/day).

You’ll be covered up to $50,000 for medical expenses ($500 dental) and up to $500,000 for emergency evacuation.

This plan offers $1,000 for lost or stolen bags and $300 for baggage delays longer than 12 hours.

Travel Guard Deluxe - The biggest benefits can be found in this highest level plan.

Like the Preferred, you’ll get 100% coverage for trip cancellation and 150% of the cost of your insured trip in the event of a trip interruption.

Up to $1,000 ($200/day) for a trip delay of five hours or more.

Up to $100,000 for medical expenses ($500 dental), $1,000,000 for emergency evacuation and $100,000 in coverage for a flight accident.

Coverage for lost or stolen bags jumps up to $2,500 and $500 for baggage delay of more than 12 hours.

A long list of "Travel Inconvenience Benefits" are also included (such as runway delays, closed attractions, diversions, etc.)

This plan also offers roadside assistance coverage for the duration of your trip, which isn't included in the other two plans.

» Learn more: How to find the best travel insurance

Travel Guard’s website is simple to navigate and provides instant quotes that clearly spell out what's covered. You’ll need to enter basic information about the trip you want coverage for, including:

Destination.

How you’re getting there (airplane, cruise or other).

Travel dates.

Your home state.

Date of birth.

How much you paid for the trip.

The date when you paid for the trip.

Once you answer the questions, you’ll instantly get price quotes for different options of insurance for your trip. Each column clearly shows what’s covered for all options in a long list, so you can quickly compare.

This example shows options based on a two-week $5,000 trip to Spain for someone who is 40 years old. In this case, the mid-tier plan costs about 6% of the total trip cost.

It’s also important to know that plan offerings change based on what state you live in; not all states are covered.

If you purchase a Travel Guard plan and need to file a claim, you can do it on their website or by calling (866) 478-8222. You can also track the status of the payment of your claim on the site.

If you’re planning multiple trips that you would like covered, look at Travel Guard’s Annual Travel Insurance Plan. This 12-month option covers multiple trips and could save you money over insuring each trip separately.

Another option is the "Pack and Go" plan, which is a good choice if you’re going on a last-minute getaway and don’t need trip cancellation protection.

There are also options to add rental vehicle damage coverage, Cancel For Any Reason coverage, and medical and security bundles to the plans. You’ll be able to select these add-ons when you’re purchasing a policy.

» Learn more: Cancel For Any Reason (CFAR) travel insurance explained

While the Essential, Preferred and Deluxe plans all offer varying degrees of coverage for your trip, there are some things that won’t be covered by any of the plans. Here are a few highlights of things that aren't included; you’ll find full lists on each policy:

Coverage for trips paid for with frequent flyer 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, unfortunately, you won’t qualify for coverage. However, the cost of redepositing miles back into your account is covered.

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, since a Travel Guard policy won’t cover them.

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. Once COVID-19 became a pandemic, it was categorized as a foreseeable event and was no longer covered. You can cancel the policy you purchase up to 15 days prior to your trip to receive a refund for the premium paid.

» Learn more: Does travel insurance cover award flights?

Many trips may be sufficiently covered by your credit card benefits, but you should do research to see which cards provide the best options (and remember to use that card to book the trip).

However, if you’re planning major international travel or embarking on a big cruise trip, Travel Guard's Preferred and Deluxe plans may offer better coverage than your credit card. Overall, Travel Guard plans offer a variety of coverage options with an easy-to-navigate website that could be a good fit for your next trip.

If you’re not finding what you’re looking for with a Travel Guard plan, check out an insurance comparison site like Squaremouth, where you will have a lot of different plan options to choose from.

» 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 Guard’s insurance plans offer trip cancellation, trip interruption, emergency medical coverage and evacuation, baggage delay, baggage loss, and more. Some policies may also allow you to add on benefits like Cancel For Any Reason and car rental damage coverage.

If you need to cancel your trip for a covered reason (e.g., unforeseen sickness or injury of you or your family member, required work, victim of a crime, inclement weather, financial default of travel supplier, etc.) you will be covered. To see the whole list of covered reasons, refer to the terms and conditions of your policy.

To get a refund, you will need to file a claim by either calling (866) 478-8222 or submitting it online at its claims page . You may be required to provide verifying documentation to substantiate your claims so keep any receipts that you intend to submit. You can also check the status of your claim at any time on Travel Guard’s website .

The Cancel For Any Reason optional upgrade is available on certain Travel Guard plans. Travel Guard’s CFAR add-on allows you to cancel a trip for any reason whatsoever and get 50%-75% of your nonrefundable deposit back as long as the trip is canceled at least two days prior to the scheduled departure date.

To get a refund, you will need to file a claim by either calling (866) 478-8222 or submitting it online

at its claims page

. You may be required to provide verifying documentation to substantiate your claims so keep any receipts that you intend to submit. You can also check the status of your claim at any time

on Travel Guard’s website

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: Bank of America® Travel Rewards credit 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℠.

Chase Southwest Rapid Rewards® Plus Credit Card

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.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

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Travel insurance

Best travel insurance companies of June 2024

Amy Fontinelle

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 2:16 p.m. UTC June 7, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best travel insurance company of 2024 , based on our in-depth analysis of travel insurance policies. Its Atlas Journey Elevate plan gets the top score in our rating because of the extensive coverage it provides for the price. It offers best-in-class emergency medical and evacuation benefits, as well as high limits for baggage insurance.

Best travel insurance of 2024

WorldTrips : Best travel insurance.
Travel Insured International : Best for emergency evacuation.
TravelSafe : Best for missed connections.
Aegis : Cheapest travel insurance.
Travelex : Best for families.
AIG : Best for add-on coverage options.
Nationwide : Best for cruise itinerary changes.

Why trust our travel insurance experts

Our travel insurance experts evaluate hundreds of insurance products and analyze thousands of data points to help you find the best trip insurance for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

1,855 coverage details evaluated.
567 rates reviewed.
5 levels of fact-checking.

Travel insurance quotes comparison

Best travel insurance companies, best travel insurance.

Top travel insurance plans

Average cost, medical limit per person, why it’s the best.

If you’re looking for the best travel insurance for international travel , WorldTrips’ Atlas Journey Elevate plan gives you $250,000 in travel medical insurance with primary coverage. This plan is a good option if health insurance for international travel is a priority. It also has $1 million in emergency evacuation coverage.

See our full WorldTrips travel insurance review .

Pros and cons

$250,000 in primary medical coverage.
$1 million per person in medical evacuation coverage.
Primary damage or loss baggage coverage of $500 per item, up to $2,500.
5 optional upgrades, including pet care, adventure sports and rental car damage and theft.
No non-medical evacuation coverage.

Customer reviews

WorldTrips has a rating of 4.27 stars out of 5 on Squaremouth, based on 428 reviews of policies purchased through the travel insurance comparison site since 2008.

Heidi’s expert take: “WorldTrips offers primary coverage for emergency medical expense and for baggage damage or loss. This means the insurer will pay for your claim first and then seek recovery from any responsible third party, such as your health insurance provider, airline or homeowners insurance company (if your belongings are stolen). Travel insurance with secondary medical coverage might be cheaper, but then you’d have to file claims with third parties yourself, before you could turn to your travel insurance for help.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for emergency evacuation

Travel insured international.

Top travel insurance plan

If you’re traveling to a remote area, consider Travel Insured International’s Worldwide Trip Protector. It has the best travel insurance for emergency evacuation of travel insurance policies in our rating. This top travel insurance plan provides up to $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits.

Only plan in our rating that offers $150,000 in non-medical evacuation coverage.
$500 per person baggage delay benefit only requires a 3-hour delay.
Optional rental car damage benefit up to $50,000.
Missed connection benefit of $500 per person is only available for cruises and tours.

Travel Insured International has a rating of 4.39 stars out of 5 on Squaremouth, based on 3,402 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take: “The Worldwide Trip Protector plan provides rare non-medical evacuation benefits of up to $150,000. If you’re traveling to an area at risk of a political, security or national disaster, this emergency evacuation coverage could help get you back to safety.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for missed connections

TravelSafe offers good travel insurance for missed connections , with $2,500 in missed connection coverage for each person on the plan.

Best-in-class $2,500 per person in missed connection coverage.
$1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
Generous $2,500 per person baggage and personal items loss benefit.
Most expensive of our best-rated travel insurance plans.
No “interruption for any reason” coverage option.
Weak baggage delay coverage of $250 per person after 12 hours.

TravelSafe has a rating of 4.3 stars out of 5 on Squaremouth, based on 1,506 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take: “If you miss out on prepaid vacation plans because you didn’t make a connecting flight, you’ll be glad for the $2,500 missed connection coverage. Some policies only provide missed connection coverage for cruises and tours, but TravelSafe Classic doesn’t impose that restriction.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Cheapest travel insurance

Go Ready Choice by Aegis has the most affordable travel insurance of the best-rated travel insurance companies in our rating. This is based on the average cost of seven international trips of varying lengths and values for travelers of different ages.

See our full Aegis travel insurance review .

Cheapest of our best trip insurance plans.
Pet care benefit of $500 under travel delay benefits.
Low emergency medical and evacuation limits.
Low missed connection benefit of $500 per person for cruises and tours only.
Low baggage and personal items loss benefit of $500 per person.

Aegis has a rating of 4.06 stars out of 5 on Squaremouth, based on 1,111 reviews of policies purchased on the travel insurance comparison site since 2013.

Heidi’s expert take: “If you’re looking for a budget travel insurance policy , Go Ready Choice may fit the bill. It has comparably low coverage limits, but if you have health insurance that will cover you on your trip, its $50,000 in secondary medical coverage may be sufficient.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for families

Top-scoring plan

Travelex Insurance Services has the best travel insurance for families because you can add kids aged 17 and younger to your Travel Select plan at no additional charge.

See our full Travelex travel insurance review .

Free coverage for children 17 and under on the same policy.
Robust travel delay coverage of $2,000 per person ($250 per day) after 5 hours.
Hurricane and weather coverage after a common carrier delay of any amount of time.
Low emergency medical coverage of $50,000 per person.
Non-medical evacuation is not included.
Low baggage delay coverage of $200 requires a 12-hour delay.

Travelex has a rating of 4.43 stars out of 5 on Squaremouth, based on 2,048 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take: “If you’re traveling with kids, a Travelex policy will cover them, too. The number of children you can add to your policy is unlimited and they’ll get travel protection at no additional cost.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for add-on coverage options

Travel Guard Preferred from AIG allows you to customize your policy with a host of available upgrades, making it the best traveler insurance for add-on options . These include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings.

There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million. This is a good option if you’re looking for foreign travel health insurance.

See our full AIG travel insurance review .

Bundle upgrades allow you to customize your travel insurance policy.
Emergency medical and evacuation limits can be doubled with optional upgrade.
Base travel insurance policy has relatively low medical limits.
$300 baggage delay benefit requires a 12-hour delay.
Optional CFAR upgrade only reimburses up to 50% of trip cost.

Heidi’s expert take: “You can add riders to your AIG travel insurance policy to maximize your coverage. Choose from these bundles: adventure sports, medical, pet, quarantine, security and wedding. You may also want to add “cancel for any reason” coverage and rental vehicle damage coverage.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for cruise itinerary changes

Nationwide’s Choice Cruise is good travel insurance for cruises . It has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion.

Choice Cruise also has a missed connections benefit of $1,500 per person after only a 3-hour delay when you’re taking a cruise or tour. But note that this coverage is secondary coverage to any compensation provided by a common carrier.

See our full Nationwide travel insurance review .

Benefits for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
Non-medical evacuation benefit of $25,000 per person.
Missed connection coverage of $1,500 per person for tours and cruises, after a 3-hour delay.
Baggage loss benefits of $2,500 per person.
Travel medical coverage is secondary.
Trip cancellation benefit for losing your job requires three years of continuous employment.
No “cancel for any reason” upgrade available.

Nationwide has a rating of 4.02 stars out of 5 on Squaremouth, based on 570 reviews of policies purchased on the travel insurance comparison site since 2018.

Heidi’s expert take: “This plan has protections for cruisers when it comes to prepaid expenses. But its emergency medical coverage is secondary, which means you’d have to file medical claims with your health insurance company first. Since U.S. health insurance won’t help you at sea, you may want to look for cruise travel insurance with primary medical coverage instead.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Compare the best travel insurance plans

Via Compare Coverage’s website

Heidi’s expert take: “Here are my tips on how to buy travel insurance that gets you the most coverage for the lowest price: Buy early . Getting travel insurance within two weeks of making your first trip deposit may qualify you for coverage of pre-existing medical conditions, and it won’t cost you any extra. Look for primary emergency medical coverage . If you buy a plan with secondary coverage, you’ll have to file a claim with your health insurance first, even if you know it will be denied. Don’t overinsure . Calculate the value of only your prepaid, nonrefundable trip expenses that are not already covered by other insurance (like credit card travel insurance or health insurance, if your coverage extends to where you are traveling). Even if this value is $0, you can still buy travel insurance for the travel medical insurance benefits, and you’ll only be paying for the insurance you need. Understand exclusions . If you are planning to go scuba diving, for instance, make sure this adventure activity is not excluded from a policy’s coverage. If so, you may need to pay for a rider or shop for another plan that offers the coverage you need.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

What is the best travel insurance?

The best travel insurance for international travel is sold by WorldTrips, according to our in-depth trip insurance comparison.

The best travel insurance plan for you will depend on the trip you are planning and the coverage areas that are most important to you.

Best cruise travel insurance
Best COVID travel insurance
Best “cancel for any reason” travel insurance
Best senior travel insurance

Best travel insurance for cruises

The best cruise travel insurance is Atlas Journey Preferred sold by WorldTrips . This plan offers solid travel insurance for cruises for a low rate.

Best travel insurance for COVID-19

The best COVID travel insurance is the Trip Protection Basic plan sold by Seven Corners . It is a relatively low cost travel insurance plan with optional “cancel for any reason” coverage that reimburses up to 75% of your prepaid, nonrefundable trip expenses.

Best travel insurance for “cancel for any reason”

The best “cancel for any reason” (CFAR) travel insurance is Seven Corners’ Trip Protection Basic. Adding CFAR coverage to a RoundTrip Basic plan only increases the cost by about 40%, which is lower than other plans we analyzed. For the extra cost, you get coverage of 75% of your prepaid, nonrefundable trip expenses, as long as you cancel at least 48 hours before your scheduled departure.

Best travel insurance for seniors

The best senior travel insurance is the Gold plan sold by Tin Leg . It is an affordable travel insurance plan with travel medical primary coverage of $500,000 and a pre-existing conditions waiver if you insure the full amount of your trip within 14 days of your first trip deposit.

How much is travel insurance?

The average cost of travel insurance is 5% to 6% of your prepaid, nonrefundable trip costs .

How much you pay for travel insurance will depend on:

The cost of your trip.
Your destination.
The length of your trip.
The ages of travelers being insured.
Your state of residence.
The travel insurance policy you choose.
The total coverage amounts in your policy.
Any travel insurance add-ons you select.

Here are average travel insurance rates for a 30-year-old female who is insuring a 14-day trip to Mexico.

Looking to save? Discover cheap travel insurance options.

How much travel insurance should I buy?

Travel insurance companies typically offer several plans with varying maximum limits. The higher the coverage limits, the more you’ll pay for travel insurance.

Squaremouth, a travel insurance comparison site, recommends the following coverage limits for international travel:

Emergency medical coverage: At least $50,000.
Medical evacuation coverage: At least $100,000.

If you’re going on a cruise, or to a remote location, Squaremouth recommends:

Emergency medical coverage: At least $100,000.
Medical evacuation coverage: At least $250,000.

When evaluating travel insurance plans, our team of insurance analysts considered the best medical travel insurance policies to have at least $250,000 in emergency medical coverage and at least $500,000 in medical evacuation coverage.

When should I buy travel insurance?

The best time to buy travel insurance is within two weeks of making your first nonrefundable travel payment, whether it’s for a plane ticket, hotel stay, cruise or excursion.

Travel insurance costs the same whether you buy it early or last minute, and buying it early has added benefits:

You may be able to add on “ cancel for any reason” (CFAR) coverage , an upgrade that is typically only available for a limited time after you’ve started paying for your trip.
You may qualify for a pre-existing medical conditions exclusion waiver, meaning your pre-existing conditions will be covered by travel insurance. This waiver is generally added to your policy automatically, provided you buy the travel insurance within a certain window after your first trip deposit.
You will be covered over a longer period of time for unforeseen events that could cause you to cancel your trip, such as medical emergencies, inclement weather and natural disasters.

Expert tip: You can buy travel insurance up to the day before you leave on your trip, but waiting may cost you the opportunity to qualify for a pre-existing conditions exclusion waiver or to buy a “cancel for any reason” upgrade.

Where can I buy travel insurance?

You can buy a travel insurance plan:

Online. Visit a travel insurance company’s website to buy a policy directly or use a comparison website like Squaremouth or Travelinsurance.com to see your options and compare plans. You may also be able to purchase travel insurance online through an airline, cruise, hotel, rental car company or other provider you book a ticket with.
In person. A travel agent or insurance agent may be able to assist you in buying travel insurance.

Travel insurance trends in 2024

Americans are changing the way they travel and this includes buying travel insurance when they might have skipped it in the past. As spending on trips continues to rise , travelers have more to lose if their plans are disrupted.

Based on travel insurance quote requests on the Squaremouth website last month, these are the main benefits travelers are looking for in a travel insurance policy.

*Source: Squaremouth.com. Travel insurance quote filter usage from April 28 to May 28, 2024.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

$3,000, 8-day trip to Mexico for two travelers age 30.
$3,000, 8-day trip to Mexico for two travelers age 70.
$6,000, 17-day trip to Italy for two travelers age 40.
$6,000, 17-day trip to Italy for two travelers age 65.
$15,000, 17-day trip to Italy for four travelers ages 40, 40, 10 and 7.
$15,000, 17-day trip to France for four travelers ages 40, 40, 10 and 7.
$15,000, 17-day trip to the U.K. for four travelers ages 40, 40, 10 and 7.
Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
“Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

If you’d like to dig in deeper, head over to our travel insurance ratings methodology page.

Best travel insurance FAQs

According to our analysis, WorldTrips has the best trip insurance. Two of its plans — Atlas Journey Explore and Atlas Journey Elevate — get 5 stars in our rating.

The best travel insurance policy for you will depend on what type of coverage you need. With so many different policies and carriers, the policy that was best for your friend’s trip to California might not be ideal for your trip to Japan. If you’re looking for the best travel insurance for international travel, you may be willing to pay more for higher coverage levels.

A comprehensive travel insurance plan bundles several types of travel insurance coverage, each with its own limits. To ensure you have adequate financial protection for your trip, your travel insurance policy should include the following travel insurance coverages:

Trip cancellation . With trip cancellation insurance , you’re covered if you need to call off your trip because of a reason listed in your policy, such as unexpected illness, injury or death of you, a family member or a travel companion, severe weather, jury duty and your travel supplier going out of business.
Travel delay. Once your trip has started, travel delay insurance reimburses you for unexpected expenses you incur after a minimum delay, such as five hours. It can cover needs like airport meals, transportation and even overnight accommodation.
Trip interruption. If you need to cut your trip early for a reason listed in your policy, trip interruption insurance can reimburse you for any prepaid, nonrefundable payments you’ll lose by leaving early. It can also pay for a last-minute one-way ticket home.
Travel medical . Emergency medical benefits are especially important if you need international health insurance for travel outside of the country. Your domestic health insurance may provide limited coverage once you leave the U.S. The best travel medical insurance pays for ambulance service, doctor visits, hospital stays, X-rays, lab work and prescription medication you may require while traveling.
Emergency medical evacuation. If you’re traveling to a remote area, or planning excursions such as boating to an island, emergency medical evacuation coverage is a good idea. This coverage pays to transport you to the nearest adequate medical facility if you are injured or sick while traveling.
Baggage delay. After a certain waiting period, such as six or 12 hours, this coverage will reimburse you for necessities you need to buy to tide you over while you wait for your bag to arrive. Be sure to save your receipts and look at your coverage limit, as some caps are low, like $200.
Baggage loss. Baggage insurance can reimburse you if your bag never arrives, or if your personal belongings are stolen during your travels. Coverage limits apply here, as well as exclusions for certain items such as electronics.

“Typically, travelers are expected to pay their expenses out of pocket, and then file a claim for reimbursement,” said James Clark, spokesperson for Squaremouth. “However, there are medical situations in which a provider may be required to pre-authorize payment to make sure the policyholder receives the treatment they need.”

According to Clark, “Providers can pre-authorize payment for medical care and emergency evacuations. With that said, every circumstance is unique, and providers will handle each situation on a case-by-case basis.”

Travel insurance covers your prepaid, nonrefundable trip costs — as well as extra money you may need to spend due to unforeseen circumstances and emergencies — both before and during your trip.

Travel insurance coverage varies by plan, but in general travel insurance covers costs associated with these problems:

Bankruptcy of a travel insurance company, such as your airline or tour operator.
Dangerous weather conditions.
Delayed and lost luggage.
Illness or death in your family that requires you to stay home or cut your trip short.
Illness that needs medical attention.
Injury requiring medical evacuation.
Jury duty.
Travel delays and missed connections.
Theft of your personal belongings while traveling.
Unexpected job loss.

Travel insurance policies often exclude or limit “foreseeable” losses. Typical travel insurance exclusions include:

Accidents or injuries caused by drinking or drug use.
Canceling your trip because you changed your mind.
Ending your trip early because you changed your mind.
Losses caused by intentional self harm, including suicide.
Losses due to war, civil disorder or riots.
Medical tourism.
Medical treatment for pre-existing conditions.
Mental health care.
Natural disasters that begin before you buy travel insurance.
Non-medical evacuation.
Normal pregnancy.
Medical treatment related to high-risk activities.
Routine medical care, such as physicals or dental care.
Search and rescue.

Your U.S. health insurance may provide little or no coverage in foreign countries. Check with your health insurance company to see if you have any global benefits and ask how they work. If your health care does extend across the border, the benefits it provides abroad may not be the same benefits it provides domestically.

Medicare usually won’t pay for health care outside of the United States and its territories, so older travelers planning an international trip should look into the best senior travel insurance with robust medical benefits.

The best time to buy travel insurance is immediately after booking your trip and making a nonrefundable payment — in other words, as soon as you’re at risk of losing money. This way, you’ll know the total cost that you need to insure and you’ll have the longest window to take advantage of your policy’s benefits if something goes wrong.

You can’t wait until something goes wrong and then buy travel insurance to get reimbursed for your loss. Travel insurance only covers unexpected losses.

Travel insurance companies can decline to cover travel to certain countries. For example, you may find that some trip insurance companies don’t offer coverage to countries with a Level 4: Do Not Travel advisory from the U.S. State Department.

Travel insurance policies also frequently exclude certain risks that you’re more likely to encounter in Level 4 or Level 3 countries. For example, your policy may not cover losses related to declared or undeclared wars or acts of war or losses related to known or foreseeable conditions or events.

Some credit cards , such as the Chase Sapphire Preferred® Card , offer benefits such as trip cancellation and interruption insurance, baggage delay insurance and trip delay reimbursement when you use your card to pay for your trip.

Ask your credit card issuer for your card’s benefits guide to see what coverage you may have. Keep in mind that it may not cover all the risks you want to protect against, such as the cost of international health care or emergency medical evacuation .

Business travel insurance makes sense if you are self-employed and paying for your own travel expenses, or if you are traveling internationally and want medical coverage abroad.

You might also consider buying travel insurance for a business trip if your company won’t cover extra expenses if your flight is delayed or you need to head home early.

Cruise travel insurance can help protect you financially if you need emergency medical care in a remote location, or if a delayed flight causes you to miss embarkation and you need to pay extra to catch up to your cruise.

Experts caution that travel insurance you buy through a cruise line may not be as comprehensive as plans you can buy directly from travel insurance companies.

Some travel insurance plans cover rental cars as an optional upgrade, for an additional cost. The 5-star rated travel insurance companies in our rating offer these optional rental car benefits:

Travel Insured International — Rental car damage and theft coverage of $50,000.
WorldTrips — Rental car damage and theft coverage of $50,000 with a $250 deductible.

Travel insurance typically only covers a single trip, although your insured trip can have multiple destinations.

If you’re looking to insure several trips in the same year, annual travel insurance may be a good option for you.

Travel insurance may be required, depending on the country you plan to visit. But it’s smart to consider buying a travel insurance policy for international travel, even when it is not required. A good travel insurance policy can protect you financially if you need emergency medical assistance when traveling, or if you need to cut your trip short and buy a last-minute plane ticket home because an immediate family member is ill.

Wondering if travel insurance is worth it? What travel insurance covers

Editor’s Note: This article contains updated information from previously published stories:

Spirit Airlines scrubs 60% of its Wednesday flights, says cancellations will drop ‘in the days to come.’
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‘This is not our proudest moment’: Spirit Airlines CEO says more flight cancellations expected this weekend
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How 2020 and COVID-19 changed travel forever – and what that means for you
COVID-19 or delta variant have you ready to scrap your trip? Here’s how to cancel like a pro
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After nearly 13,000 Harvey cancellations, Irma is new threat to airline flights
What’s the difference between travel insurance and trip ‘protection’?
How to choose the right travel insurance for your next vacation
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Angry passengers brawl after Spirit cancels flights
What to do when travel insurance doesn’t work
How lockdowns, quarantines and COVID-19 testing will change summer travel in 2021
Travelers will pay and worry more on summer vacation this year. But they won’t cancel
How to find a hotel with COVID testing and quarantine facilities wherever you travel
Yearning to travel in 2022? First, figure out your budget – then pick a destination
Pro tips for surviving a long flight during a pandemic: Get the right mask, bring a pillow
Want to steer clear of contracting COVID-19 on your next vacation? Follow these guidelines
Post-pandemic travel: Is it OK to ask another passenger’s vaccine status or request they mask up?
These days, forgetting these important travel items could cost you thousands of dollars
International travel hacks: When to book flights and hotels, how to deal with COVID-19 rules
Traveling post-coronavirus: How do you book your next trip when so much remains uncertain?
The COVID-19 guide to holiday travel – and the case for why you shouldn’t go this year
Should you travel during the holidays? Americans struggle with their decision
‘There’s still pent-up demand’: What you should know about fall travel
Planning for life after coronavirus: When will we know it’s safe to travel again?
‘Busiest camping season’: Travelers choose outdoor recreation close to home amid COVID-19 pandemic
Considering a camping trip this summer? Tips to make sure your gear is good to go
RVing for the first time? 8 tips for newbies I wish I’d known during my first trip
Five myths about travel agents
Should I buy travel insurance?
Is travel insurance stacked against you?
Five myths about travel insurance and terrorism
These eight things could get your travel insurance claims rejected
There’s a good chance that your credit card already gives you some kind of travel insurance coverage
How to avoid a hotel cancellation penalty
Change fees and travel insurance continue to rise

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Travel Guard ® FAQs

Covid-19 cover and benefits.

We have enhanced the Travel Guard benefits to cover certain situations pertaining to COVID-19. Depending on the travel insurance plan purchased, the benefits and cover may differ. Full terms and conditions, as well as exclusions can be found here . For the latest travel requirements and advisories for arrival, transit or departure, please click here .

What are the key benefits of Travel Guard’s COVID-19 coverage?

Travel Guard offers COVID-19 coverage, depending on the type of plan purchased. A summary of the key benefits by plan types are listed below. Please refer to the policy wording for full details.

Return Per-Trip and Annual Multi-Trip policies

Up to S$300,000 for medical expenses incurred overseas, emergency medical evacuation and repatriation
Up to S$7,500 for travel cancellation or up to S$1,500 for travel postponement
Up to S$7,500 for travel curtailment
S$100 daily cash allowance for out-of-country COVID-19 diagnosis quarantine allowance, capped at 14 consecutive days

One-Way Per-Trip policies

Up to S$7,500 for travel cancellation
Up to S$1,500 for travel postponement

Do I need to be fully vaccinated to be eligible for Travel Guard?

You do not need to be fully vaccinated to purchase Travel Guard. However, do note that the country that you are travelling to (including any transit countries) may have specific prevailing entry requirements, including a requirement for you to be vaccinated before embarking on your trip. Please click here for relevant travel information regarding your travel destination(s). Please note also that Travel Guard will not provide any cover if you are refused entry to any location because you do not meet the location’s entry requirements.

Is a COVID-19 swab test required before purchasing Travel Guard?

You do not need to take a COVID-19 swab test to purchase Travel Guard. However, the country that you are travelling to (including any transit countries) may have specific prevailing entry requirements, including a requirement for you to clear a swab test in order to travel. Please click here for relevant travel information regarding your travel destination(s). Please note also that Travel Guard will not provide any cover if you are refused entry to any location because you do not meet the location’s entry requirements.

Can I choose to purchase Travel Guard without the COVID-19 coverage?

Travel Guard comes with COVID-19 coverage as part of the standard benefits for all plans.

What happens if I have a trip booked and the Singapore government or the destination country’s government closes borders due to COVID-19?

You will not be able to claim under your policy if the Singapore government or the destination country’s government closes the border at any stage before or during your trip. Please refer to the General Exclusions section in the policy wording for full details.

I travelled from Singapore to another country. If I test positive for COVID-19 upon returning to Singapore, will I be covered for medical expenses?

Travel Guard’s COVID-19 coverage does not cover post-trip medical expenses regardless of whether medical treatment has been sought overseas during the trip.

Is there any coverage if I need to be quarantined upon arrival in Singapore?

Travel Guard does not cover expenses related to quarantine in Singapore.

Does Travel Guard cover me for expenses for COVID-19 diagnostic tests?

No, Travel Guard does not cover expenses incurred for mandatory COVID-19 diagnostic tests for any pre-departure or post-departure testing requirements.

If I test positive for COVID-19 and need to cancel my trip before the departure from Singapore, can I claim for cancellation costs if the airline or travel company offers me a voucher or a credit note instead of a refund?

Travel Guard does not cover trip cancellations or trip postponements if the airline, hotel, travel agent or any other provider of travel and/or accommodation has offered a voucher, credit note or re-booking of the trip as a form of refund or compensation for the cancellation.

If I contracted COVID-19 and am quarantined at a family members’ or friend's house overseas, can I claim for Out-of-country COVID-19 Diagnosis Quarantine Allowance?

Yes, we will pay S$100 per day for up to 14 consecutive days, if while overseas, you test positive for COVID-19 and as a result, are unexpectedly placed into mandatory quarantine outside Singapore, subject to the terms and conditions of the policy.

If I contracted COVID-19 and the country of travel does not require quarantine, can I claim Out-of-country COVID-19 Diagnosis Quarantine Allowance if I choose to self-quarantine?

No, the Out-of-country COVID-19 Diagnosis Quarantine Allowance will not apply if the quarantine is not mandatory.

Will the policy be automatically extended if I contracted COVID-19 overseas and need to be quarantined beyond my return date?

If at the time of the expiry of your policy, you are confined in a hospital and/or quarantined whilst overseas due to COVID-19 and you are following the directions of the attending medical practitioner, the hospitalisation or quarantine is covered by the policy if you are unable to return to Singapore as planned. The policy period will automatically extend for up to 30 days from the date of expiry of the policy without payment of any additional premium.

Please refer to the terms and conditions in the policy wording for full details.

If my travel companion is diagnosed with COVID-19 and as a result triggers Automatic Extension, will Automatic Extension be applied to my Travel Guard policy as well?

Subject to the policy terms and conditions, Automatic Extension applies to one person who is insured with us and has been authorised by us in writing to extend and stay on the trip.

If I have purchased a family plan and one family member is diagnosed with COVID-19 and as a result triggers Automatic Extension, will the rest of the family members on the policy get Automatic Extension as well?

Yes, provided the conditions for Automatic Extension have been met for one person of the family, the other accompanying family members named in the Certificate of Insurance will have their coverage automatically extended under the same terms as well.

The travel companion whom I’m travelling with is diagnosed with COVID-19 before the departure date and is unable to proceed with the trip. Does Travel Guard cover me for travel cancellation/travel postponement if I do not proceed with the trip?

Travel Guard covers you under Travel Cancellation and Travel Postponement if your travel companion is diagnosed with COVID-19 prior to your trip departure date. Please refer to the respective benefits sections in the policy wording for full details of cover.

Can a self-administered Antigen Rapid Test (ART) result be used if I need to file for a claim due to COVID-19?

For COVID-19 benefits to apply, the COVID-19 diagnosis must be confirmed by a medical practitioner. A self-administered ART and/or photographic evidence of a positive ART result in itself would not substantiate a loss. A medical report from the medical practitioner to confirm the diagnosis will be required for claims assessment. Please click here for details on how to make a claim and the supporting documents required.

Other than COVID-19 diagnosis as confirmed by a medical practitioner, what other supporting documents are required to claim Out-of-country COVID-19 Diagnosis Quarantine Allowance?

The standard supporting documents are:

COVID-19 diagnosis/result by a medical practitioner;
Flight itinerary; and
Government mandate detailing the period of quarantine.

If I am sick overseas but did not receive treatment overseas, can I do so upon my return to Singapore?

If no medical treatment has been received overseas, the time limit for seeking medical treatment is up to a maximum of 30 consecutive days from your arrival in Singapore, provided you first seek medical treatment within 48 hours of arrival in Singapore. There will be a cap of $100 for each medical treatment visit up to the sum insured limit of your plan.

While overseas, I suffered an injury and sought treatment overseas. Does my Travel Guard policy allow me to continue treatment after I am back in Singapore?

You have up to maximum of 30 consecutive days from your arrival in Singapore to seek follow-up treatment.

If I am pregnant, will I be covered for any medical treatment overseas?

We will reimburse for necessary and reasonable medical expenses incurred and paid by you overseas for pregnancy-related sickness you suffer during your trip.

Are business trips covered under Travel Guard?

There are no exclusions for general business trips for Travel Guard.

Does Travel Guard cover pre-existing medical conditions?

We cover repatriation of mortal remains due to pre-existing medical conditions. However, other benefits will not apply to any claim relating to pre-existing medical conditions.

Which countries are not covered under Travel Guard?

Travel Guard does not cover any loss, injury, damage or legal liability arising from travel in, to or through Cuba, Iran, Syria, North Korea, or the Crimea region.

Any sanction, prohibition, or restriction under United Nation resolutions or the trade or economic sanctions, laws, or regulations of the European Union or the United States of America will not be covered as well.

How does Travel Guard define pre-existing medical conditions?

A Pre-existing medical condition is defined as:

First manifested itself, worsened, became acute or exhibited symptoms which would have caused an ordinarily prudent person to seek diagnosis, care or treatment;
Required taking prescribed drugs or medicine, or tests or further investigation had been recommended by a medical practitioner; or
Was treated by a medical practitioner or treatment had been recommended by a medical practitioner.
Any congenital, hereditary, chronic or ongoing condition of yours, your travel companion or your relative which you or they are aware of, or could reasonably be expected to be aware of, before the policy issue date.

Is trekking covered under my Travel Guard Policy?

There are no exclusions for trekking below 3,000 metres. For trekking above 3,000 metres and below 6,000 meters, the following conditions must be met:

Trekking route must be available to general public without restriction;
The trekking activity must be organised by a recognised commercial local tour / activity provider; and
The entire trekking activity must be under the guidance, supervision of qualified guides and/or instructors and you must follow safety procedures and instruction of the guide and/or instructor at all times.

Please refer to the terms and conditions in the policy wording for full details.

How does Automatic Extension work?

We will automatically extend the period of insurance for up to 30 days from the policy expiry date without payment of any additional premium if, due to unexpected circumstances beyond your control, for example, due to injury or sickness or unavoidable delays affecting your return common carrier, you cannot complete your trip within the period of insurance stated in your Policy Schedule. This also applies to one person travelling with you who is authorised by us in writing to stay with you if the extension is due to medical reasons.

Who do I call in the event of an emergency during my travel?

Please contact our 24-hour emergency assistance hotline at +65 6733 2552.

Before you buy

Who can purchase travel guard and is there an age restriction.

You can purchase Travel Guard if:

you are ordinarily resident in Singapore (as defined under the Insurance Act 1966) with full rights to enter and return to Singapore regardless of medical status;
you are returning to or intending to return to Singapore at the end of your travel; and
your pre-trip arrangements must be made and paid for, and your trip must commence from Singapore.

Please note if you are above 70 years of age, the sum insured limit for some benefits including Overseas Medical Expenses and Personal Accident is lower. Please refer to the policy wording for full details.

What is the maximum trip period under Travel Guard for return per-trip and annual multi-trip plans?

The maximum trip period covered by Travel Guard is up to:

182 days for return per-trip plans; or
90 days for any one trip under an annual multi-trip plan.

What is the difference between a per-trip policy and an annual multi-trip policy?

A per-trip policy covers from the time you depart Singapore and ceases upon your arrival in Singapore or the policy end date, whichever comes first. The maximum period of coverage for an overseas trip is 182 consecutive days. An annual multi-trip policy covers unlimited number of overseas trips, for up to 90 consecutive days each, within the policy year.

What zone do I select if I am going on a cruise?

If you are travelling on a cruise, you must select the highest covered zone based on the furthest destination of your cruise. For example, if your cruise will be stopping at Bali (Zone 1) and Australia (Zone 2), you must select Zone 2 for Australia as that is the furthest destination of your cruise.

How do I purchase Travel Guard?

You can purchase Travel Guard via our website or our mobile applications – iOS and Android. We accept payment by credit card (Mastercard or Visa).

Alternatively, you may approach your AIG insurance agent for assistance.

After you purchase

I wish to make changes to my travel dates or destination for my per trip policy. what should i do.

You can change your travel dates or destination via AIG’s self-help online portal before the policy effective date.

Can I cancel my Travel Guard policy and get my premium refunded?

Per-Trip policy : There will be no refund of premium once the policy is issued.

Annual Multi-Trip policy : If the policy is cancelled in the first nine months from the policy issue date, a short rate will apply except if there has been a claim against the policy. A short rate is an insurance premium which we charge if your coverage is less than one year. It is not pro-rated. There will be no refund if you cancel the policy more than nine months from the policy effective date.

Can I extend my Per-Trip policy during my overseas trip?

You may extend your policy provided you have not claimed against or are aware of any known losses or circumstances that might give rise to a loss under the policy. You must apply for the extension prior to the expiry date of your original policy, and the total period of coverage must not exceed 182 days.

You can apply for an extension of your original policy via our online form and completing the payment of the additional premium. You will be required to confirm your travel arrangements when you extend the policy. Approval for your application for extended cover is subject to our review. Additional terms and conditions may apply and we reserve the right to decline any extension application.

I have an annual multi-trip policy and I need to travel for more than 90 days for a trip. What can I do to extend coverage for this trip?

You can apply for an extension for this trip by submitting a request via our contact us form . However, the total number of days for the trip must not exceed 182 days. You will be required to confirm your travel arrangements when you extend the policy. We will review your application for an extension before deciding whether or not to approve it. If we approve your application, additional terms, conditions and exclusions may apply.

How can I submit a claim?

Claims may be submitted online here .

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Get your AIG Travel Insurance Online Today!

Our travel insurance covers flight delay, loss of personal belongings, trip cancellation, medical expenses & more for your holiday.

Travel Insurance Overview

No matter where your next holiday destination is, we’re here to keep you safe during your holiday.

We provide comprehensive travel insurance protection coverage for you to fully enjoy your trip.

Get covered easily online! Purchase your travel insurance online at AIG Travel Insurance

Our most popular features include

Cashless hospitalisation & medical expenses coverage up to RM1 million (with COVID-19 coverage up to RM700,000)

If your trip is cancelled due to covered events , we’ll reimburse up to RM15,000

Protection for loss of baggage & personal belongings up to RM8,000

Lump sum payout up to RM400,000

Wherever you are in the world, we’re ready to help 24/7.

Stress-Free Claims. Submit travel claims online in a few clicks, done! Make online claim here>

Instant and easy online purchase for your next trip. Buy online here>

COVID-19 Coverage

In the event you are diagnosed with COVID-19, we will provide you COVID-19 coverage including Medical and Emergency Evacuation & Repatriation Expenses up to RM700,000, Travel Cancellation, Travel Curtailment and Quarantine Allowance benefits (applicable to Basic, Standard or Deluxe Plan only).

Medical Expenses (including cashless hospital admission)

If you are hospitalised due to accident or illness (excluding pre-existing conditions), AIG Travel Insurance will cover the hospitalisation expenses incurred up to RM1 million. Our travel assistance team is on call by phone to provide you emergency travel assistance, ensuring you receive appropriate medical care.

Comprehensive coverage

AIG Travel Insurance provides you with coverage for domestic and overseas medical expenses, trip cancellation, travel interruptions and delays, emergency medical expenses, medical evacuation costs and lost, damaged or delayed baggage.

Personal Accident cover

You can get lump sum payout up to RM400,000 if you suffer from an accidental death or permanent disablement during your trip with AIG Travel Insurance.

Trip cancellation cover

Don't worry about the costs of transport & accommodation due to your trip cancellation. We’ll reimburse you the non-refundable expenses if your trip is cancelled due to specific events, within a specific time before your departure date.

Natural disasters

AIG Travel Insurance will pay for travel inconveniences related expenses against natural disasters such as earthquakes, floods and volcano eruptions, occurring at the country of travel.

Our own global assistance service

We have a fast and efficient 24-hour Emergency Assistance Team available to assist you in the event of injury following an accident or if you are ill and require hospital attention abroad.

Travel Inconvenience

We provide you coverage for travel inconveniences such as travel delays, loss or damage to your personal belongings, fraudulent use of credit card, car rental excess charges and more.

* Coverage differs according to product & plan. Please refer to policy wording for full details of coverage and exclusions.

Skip The Odds Video | Trip Cancellation

When emergency strikes, your travel plans might have to be cancelled and losing all your non-refundable expenses due to unexpected events is the worst part of travelling. The Skippers learned this the hard way. Keep your trip protected and your wallet healthy with AIG Travel Insurance ! Available via online purchase.

#AIGSkipTheOdds #AIGJagaYou

*Terms and conditions apply.

SKIP THE ODDS | MEDICAL EXPENSES You'll never know when injuries happen during your travel, so learn from the Skippers and protect yourself against unexpected medical expenses.

SKIP THE ODDS | FLIGHT DELAY Think you’re safe from flight delays? The Skippers thought they were as well. But unlike them, don’t let this be the end of the trip you’ve dreamed about.

SKIP THE ODDS | LOSS OF PERSONAL BELONGINGS Losing a luggage is a hassle. Imagine losing your phone too! Unlike the Skippers, you have the choice to not let this mishap interrupt the rest of your trip.

How we helped our customers - Actual Travel Claim Stories

While traveling in the united kingdom, an insured sustained a hip injury and underwent a surgery...more.

An insured fell while travelling in the United Kingdom and sustained a hip injury. Due to the severity of the injury, the insured underwent a surgery and was discharged two weeks after.

Escorted by an AIG medical nurse, the insured safely returned home to Malaysia. The total cost of medical treatment and repatriation amounted to approximately RM80,000 was fully covered under the insured’s travel policy with us.

* This case is based on a real AIG claim. Name and personal details of the insured have been withheld for privacy purposes.

On his trip to Laos, while golfing, an insured sustained rib fractures, and had to be repatriated home...more

An insured was golfing in Laos and was accidentally knocked over by a buggy. The insured sustained multiple rib fractures with chest contusion and abrasion wounds. Due to the severity of the injuries, the insured was admitted to a hospital in Thailand and was monitored conservatively.

Upon discharge, the insured was repatriated home to Malaysia escorted by an AIG nurse and with special flight arrangements, which included additional oxygen supplies on flight, as well as ground ambulance and wheelchair arrangements. The insured was directly admitted to a medical facility upon touchdown for further medical care.

The medical and repatriation expenses of almost RM40,000 were fully covered under the insured’s travel policy with us.

Quote & buy online, before your next trip!

Just answer a few quick questions to get your quote online :

Your trip destination and period

How many people to cover

The level of cover you need - View a selection of plans along with sum insured and premium

24/7 Worldwide Travel Assistance

To contact Travel Guard from anywhere in the world, call:

+60 3 2772 5600

Read more about our types of Travel Assistance Services here>

Downloads, Claims

Product Disclosure Sheet
Policy Wording
Policy Amendment Form
Direct Debit Authorization Form
Beneficiary Nomination Form
Make A Claim
Travel Claim Checklist
Travel Claim Notification Form
Claims Payment Method Form

Please be advised that the military conflict between Russia and Ukraine may impact travel insurance coverages and benefits, and AIG Travel’s ability to provide certain travel-related assistance services, for travel to, from or within the affected areas.

1. What is Travel Insurance?

Travel Insurance is a comprehensive insurance plan for domestic and overseas travel. The major benefits provided are medical related benefits, personal accidents benefits, travel inconvenience & other travel-related benefits and 24-hours worldwide travel assistance. Additionally, you can choose to purchase our optional rider benefit which extends your coverage to include your golfing equipments and your participation in special sports such as winter sports activities & scuba diving.

2. How much premium do I have to pay?

The premium varies depending on your choice of plan, destination and duration of cover selected. Premiums are inclusive of Service Tax (ST) of 8% and is applicable for Domestic trips.

3. How do I buy my Travel Insurance?

You can buy your Travel Insurance in any of the following method:

1. Buy online on our website; or 2. Locate & contact an agent to buy

4. Who is eligible to purchase?

(a) A Malaysian citizen, Malaysian permanent resident, or a holder of a valid work permit or employment pass (of which your place of employment must be in Malaysia during the policy period), dependent pass, student pass or long-term social visit pass not including travelling visa (that is issued by the relevant governmental authority in Malaysia), with full rights to enter into and return to Malaysia regardless of medical status; (b) You must be returning to your home (primary residence within Malaysia) at the end of your travel, or be intending to return home on completion of your travel; (c) Your travel pre-arrangements must be made and paid for in Malaysia prior to your trip and your trip must commence in Malaysia; and (d) You need to be a resident in Malaysia.

Any residents of Cuba, Iran, Syria, North Korea or the Crimea region will not allowed to purchase this policy.

5. What are some of the key terms and conditions that I should be aware of?

Importance of disclosure:

i. You must disclose all material facts which will affect the risk profile such as your age and occupation. ii. Any fraud, deliberate misrepresentation of material facts or non-disclosure of information in connection with the application for this policy or when making a claim will invalidate the policy and any benefit due will be forfeited and any benefit that has previously been paid must be repaid to us in full.

6. When does my coverage for the overseas trip begin?

(a) Travel Cancellation Per Trip plan – 24 hours from the purchase of the policy, unless due to an accident in which cover commences from the policy purchase date. Annual plan – 24 hours from the purchase of the policy or after travel is booked whichever occurs later, unless due to an accident in which cover commences from the travel booking date. Cancellation of a scheduled trip due to death, permanent total disablement or hospitalization must occur within 60 days prior to your original scheduled departure and for other covered events, it must occur within 14 days prior to your original scheduled time of departure.

(b) Travel Delay and Accidental Death & Disablement within 12 hours prior to departure from Malaysia.

7. I am holding a one-way ticket. Can I purchase Travel Insurance?

Yes. For one-way travel, coverage terminates 5 days upon your departure from Malaysia.

8. Can I buy more than one Travel Insurance policy for the same trip?

If you are covered by more than one policy, we will cover you based on the policy which provides the highest benefit level.

9. Are activities such as winter sports & scuba diving covered?

Our Special Sports rider (optional) extends your coverage if you choose to participate in winter sporting activities & scuba diving (up to 30m), with the proper conduct, guidance and supervision by a licensed operator.*

*Does not involve engaging, practicing or participating in a semi-professional or in a professional capacity or where income or remuneration can be earned from in such sports.

10. Is the benefit payable by per incident or per trip?

Sum insured listed in the schedule of benefit is payable based on per incident.

11. Who do I contact for an emergency assistance or if I need to be admitted to a hospital while overseas?

Please call our 24 Hours, 7 Days worldwide travel assistance at +603-2772 5600. You may reverse charge the call where this service is available.

If you are unable to do so during an emergency, seek treatment first, and contact our worldwide travel assistance at +603-2772 5600 as soon as possible.

12. What is the definition of Immediate Family Members?

It refers to the legal spouse, child, parent and their siblings, parent-in-law, grandparent, grandparent-in-law, grandchild, sibling, sibling-in-law, niece or nephew of the insured.

13. I am travelling to multiple countries, do I need to buy a separate plan for each country? Which region should I select?

If you are traveling to multiple destinations within the same trip, you can be covered under one policy.

14. Can I cancel my policy and get a refund?

No refund of premium is allowed once the policy has been incepted.

15. How do I submit a claim and how long does it take to process a claim?

Please click here to view our 3 easy steps to make a claim.

It takes 30 working days to process a claim, upon receiving complete documentation and provided that there is no further information or investigation required.

16. What should I do if the airlines loses my baggages?

Lodge a report and seek compensation from the airline. You may file in your claim for the loss not compensated by the airline.

17. Will I be covered for an illness that I am already suffering from or have suffered in the past?

No. We do not cover any pre-existing condition occurring within 1 year prior to the policy effective date.

18. Can I continue my medical treatment in Malaysia for injuries sustained overseas?

Yes. If you suffer from a disability while travelling on an overseas trip and subsequently seek follow-up treatment in Malaysia, we will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit (available for Standard and Deluxe plan only).

19. If I fall down overseas but do not seek treatment overseas, can I claim for medical expenses if I seek treatment after returning to Malaysia?

Yes, only if the treatment is sought within 24 hours from the date of arrival in Malaysia. We will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit (available for Standard and Deluxe plan only).

20. Are dental expenses or pregnancy-related matters covered?

No, dental expenses and pregnancy-related matters are not covered, unless they are direct consequences of an accident.

21. I need to cut-short my trip because my father is hospitalized in Malaysia. What am I covered for?

You will be covered for additional cost of travel and accommodation up to an amount of RM 1,000 and/or unused and non-refundable expenses which is paid in advance and not recoverable from any relevant parties.

22. Can I file a claim if my baggage is stolen where it is left outside on a bench while I am checking in?

No, we do not cover for loss of baggage left unattended in any public place, as the policy excludes any failure of the insured to take reasonable efforts to safeguard his/her property.

23. Can I claim for travel cancellation if I cancel my trip because of political unrest at my planned destination?

Yes, travel cancellation covers any event below which occurs within 14 days prior to original scheduled departure which:

(a) leads to widespread violence;

(b) is not due to reasons for purposes of asserting sovereign rights and/or operating on behalf of a sovereign state;puts your life in danger; and

(c) following the advise and/or warning of the Malaysian government or the government of the destination country declaring unsafe conditions for travel through or by general mass media.

However, this policy excludes strikes or events due to an act of war, assertion of sovereignty, insurrection, revolution and use of military power.

24. What should I do if I lose money whilst abroad?

Yes. You must make a report to the local police within 24 hours after the incident. Please click here to view our 3 easy steps to make a claim.

25. Will I be covered if my belongings are pick-pocketed while traveling overseas?

26. does travel insurance cover for natural disasters.

Yes. Natural disasters including but not limited to volcanic eruption, flood, earthquake, tsunami, hurricane or wildfire are covered events under our policy.

27. If I transit in Australia (Cluster 3) during my trip to New Zealand (Cluster 2) but I am not stopping over in Australia, what region should I buy?

If you transit in Australia with no stop over, you may purchase a Cluster 2 plan.

If you transit in Australia with a minimum stop over of 1 night because there is no connecting flight, you may purchase a Cluster 3 plan.

28. Can a child purchase an individual policy and what is the premium and benefits?

A child (aged between 30 days and above and up to 18 years) can purchase an individual policy but the policy must be issued under a parent or legal guardian’s name, i.e. on the life of (OTLO) the child’s name.

For example:

“Jack Tan OTLO Tan Mei Mei”.

The payable premium for a child is the same as for an adult.

Under the Family plan, a child is entitled to 25% of the Accidental Death and Permanent Disablement benefit and all other benefits are payable at 100%.

29. Can I purchase travel insurance after I depart and still be covered?

No. You must purchase the policy prior to your scheduled departure.

30. Can I extend my policy period after the commencement of my trip?

Coverage shall be extended at our sole discretion for up to 30 days from the expiry of the period of insurance without payment of any additional premium if you are hospitalized and/or quarantined overseas as recommended by a doctor or as a result of any circumstances beyond your control which is deemed reasonable by us prohibiting your return to Malaysia prior to the insurance expiry.

31. What is Car Rental Excess Charges benefit?

32. what is golf insurance rider and does the cover extend worldwide.

It covers you for any loss or damage to your golfing equipment and hole-in-one expenses.

Cover is worldwide except for United States of America and/or Canada and to countries where such payment would violate any prohibition or regulation or sanction that has been imposed by the Malaysian Government, the American Government and/or the United Nations.

We Hope Everything Is Fine

Do You Have A Claim Request To Make, Or Already Have A Claim Registered With Us And Wish To Track Its Progress?

Help File for GA claim procedure MV Dali Click Here

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

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COMMENTS

AIG Travel Guard: Travel Insurance Solutions
If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc . (Travel Guard). California lic. no. 0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, www.travelguard.com. CA DOI toll free number: 800-927-HELP. This is only a brief description of ...
Travel Guard
Travel Guard ® Direct. Travel Guard. Direct. √ Up to $80 in eCapitaVouchers (Single Trip Plan) √ Luggage & travel data (Annual Multi-Trip Plan) √ Promo code AIGTGD. √ Promo till 30 June 2024. BUY NOW. Buy Now.
PDF Travel Guard Brochure
AIG Travel is a member company of American International Group, Inc., and Travel Guard® is the marketing name for its portfolio of travel insurance and travel-related services, including 24/7 travel ... This insurance is underwritten by AIG Asia Pacific Insurance Pte. Ltd. This Brochure is not a contract of insurance and is intended for ...
AIG Travel Guard Travel Insurance Review + Costs (2024)
Up to $150; must be purchased within 15 days of initial trip deposit. Up to $1,000. Up to $1,000. Travel medical expenses. Up to $15,000 ($500 dental sublimit) Up to $50,000 ($500 dental sublimit ...
AIG Travel Guard Insurance Review: What to Know
Travel Guard Deluxe - The biggest benefits can be found in this highest level plan. Like the Preferred, you'll get 100% coverage for trip cancellation and 150% of the cost of your insured trip ...
Travel Insurance
The cost of travel insurance is based, in most cases, on the value of the trip and the age of the traveler. Typically, the cost is five to seven percent of the trip cost. You can get a free quote for your personalized travel insurance plan or call our representatives at 800-826-5248.
Trip Insurance Plans
Not sure what travel insurance you want? Compare quotes on our most popular plans. Travel Guard offers over 20 products, ranging from our most popular all-inclusive plans, to rental car and flight insurance plans. Coverages may include: Trip cancellation and delay, lost baggage, medical emergency, international terrorism and any other unforeseen event or accident.
AIG Travel Insurance Review 2024
Cons. The Travel Guard Deluxe plan has generous coverage but a high average cost compared to other top-rated policies. Medical expense coverage of $100,000 is on the low side, but might be ...
Premium Travel Insurance
Call us at: 800-826-5248. Deluxe Travel Insurance Plan: Enjoy high medical expense benefit limits, a pre-existing medical condition exclusion waiver, and more when you purchase within 15 days of your initial trip payment.
Basic Travel Insurance
About the Essential Plan. Budget-friendly. Perfect for domestic travel. 24/7 emergency assistance. Optional add-on coverage. Family coverage. We understand you have a budget, that's why Travel Guard offers our Essential Plan. With fewer coverages and lower benefit limits, the Essential Plan is often the lowest cost option for most travelers.
Travel Insurance
Reliable and responsive claims. We pay S$30,000 in travel claims every working day. File online or call our claims hotline - our experts are ready to assist you. This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic ...
PDF Travel Guard Direct Travel Insurance Policy Policy Wording
Welcome to TRAVEL GUARD DIRECT, AIG Asia Pacific Insurance Pte. Ltd.'s (AIG Singapore) Leisure Travel Insurance. In choosing AIG Singapore for your travel insurance, you travel under the protection of a worldwide organisation. You will also receive twenty-four (24) hours per day access to the services of AIG Travel Asia Pacific (ATAP)
PDF Travel Guard
AIG Travel +603 2772 5600. This product brochure is intended as a guide to coverage benefits only. The precise scope and breadth of policy coverage is subject to the specific terms and conditions of the policy wording. American International Group, Inc. (AIG) is a leading global insurance organization. Building on 100 years of experience, today ...
PDF Wherever your next adventure takes you,
AIG Travel +603 2772 5600. This product brochure is intended as a guide to coverage benefits only. The precise scope and breadth of policy coverage is subject to the specific terms and conditions of the policy wording. American International Group, Inc. (AIG) is a leading global insurance organization.
PDF Travel Guard
[email protected]. If you do this within 15 days of the Effective Date of the policy, we will refund the premium. If you have a claim, you can file it online at ... Policy describes all of the travel insurance benefits underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., 1271 Ave of the Americas Floor 37, New York, NY 10020 ...
PDF American International Group, Inc. (AIG) is a leading global insurance
AIG Asia Pacific Insurance Pte. Ltd. AIG Building 78 Shenton Way #09-16 Singapore 079120. Tel : +65 6419 3000 Web: www.aig.sg. Co. Reg. No. 201009404M. This insurance is underwritten by AIG Asia Pacific Insurance Pte. Ltd. This Brochure is not a contract of insurance and is intended for general circulation only.
9 Best Travel Insurance Companies of May 2024
AIG Travel Guard - Best for Add-Ons. HTH Travel Insurance - Best for Long-Term Insurance for International Travel. TravelInsurance.com - Best for Comparing Travel Insurance Quotes. Reviews of the 9 best travel insurance companies of May 2024: Allianz (Best for Business Travel), AIG (Best Add-ons) and Travelex (Best for Families).
PDF AIG Travel Guard
AIG Travel Guard For policy purchased before 1 Dec 2023, please click here to view the policy wording. For policy purchased on/after 1 Dec 2023, please click here to view the policy wording. Author: Ryan, Sean Created Date: 11/29/2023 10:37:57 AM ...
Best Travel Insurance Companies of June 2024
Best travel insurance of 2024. WorldTrips: Best travel insurance. Travel Insured International: Best for emergency evacuation. TravelSafe: Best for missed connections. Aegis: Cheapest travel ...
PDF +603 2772 5600
AIG Travel +603 2772 5600. This product brochure is intended as a guide to coverage benefits only. The precise scope and breadth of policy coverage is subject to the specific terms and conditions of the policy wording. American International Group, Inc. (AIG) is a leading global insurance organization. Building on 100 years of experience, today ...
Travel Guard FAQs
We have enhanced the Travel Guard benefits to cover certain situations pertaining to COVID-19. Depending on the travel insurance plan purchased, the benefits and cover may differ. Full terms and conditions, as well as exclusions can be found here. For the latest travel requirements and advisories for arrival, transit or departure, please click ...
PDF Travel Guard Enhanced
AIG Travel +603 2772 5600. This product brochure is intended as a guide to coverage benefits only. The precise scope and breadth of policy coverage is subject to the specific terms and conditions of the policy wording. American International Group, Inc. (AIG) is a leading global insurance organization. Building on 100 years of experience, today ...
PDF R13 IPA TRAVEL GUARD BROCHURE Runig 23-12-22
Single Trip Insurance - Free look period is not applicable. ... A&H Claims Department, Tata AIG General Insurance Co. Ltd. Travel Guard Policy UIN: TATTIOP23097V032223 7th and 8th Floor, Romell Tech Park, ... R13_IPA TRAVEL GUARD BROCHURE_Runig_23-12-22 Created Date: 12/23/2022 3:52:58 PM ...
PDF Travel Insurance
This insurance provides a package of travel insurance benefits to cover either a single trip in the geographical area you have chosen or, in respect of ... Company: AIG Europe S.A. Product: Travel Insurance - Single Trip & Annual Multi Trip: AIG Europe S.A. is authorised by the Luxembourg Ministère des Finances, supervised by the ...
Buy AIG Travel Insurance Online Now
Get covered easily online! Purchase your travel insurance online at AIG Travel Insurance external_link. Our most popular features include. Cashless hospitalisation & medical expenses coverage up to RM1 million (with COVID-19 coverage up to RM700,000) If your trip is cancelled due to covered events, we'll reimburse up to RM15,000.
Average Cost Of Travel Insurance 2024
Compare Quotes. Via Forbes Advisor's Website. The average cost of travel insurance is 5% to 6% of your trip costs, according to Forbes Advisor's analysis of travel insurance rates. For a $5,000 ...
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Insurance Claim Status
Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under ...

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