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AIG Travel Insurance: The Complete Guide

Everything you need to know before you buy AIG Travel insurance plans

For decades, AIG Travel , part of American International Group, Inc., has provided travel insurance options for many travelers. Marketed under Travel Guard, the company offers travel insurance solutions and travel-related services, including medical and security services, marketed to both leisure and business travelers around the globe.

If you have purchased a trip insurance plan in the past, it may have been provided by AIG Travel without you even knowing it: the company also creates custom policies for several smaller insurance brokers, airlines and even travel groups. Is AIG Travel the right company for your trip? 

About AIG Travel

AIG Travel is a member of American International Group, Inc., a global insurance company that provides everything ranging from property casualty insurance, life insurance, retirement products, and other financial services. Travel Guard is the marketing name that AIG Travel uses to advertise its portfolio of products.

Today, the company is headquartered in Stevens Point, Wisc., and serves travelers in 80 countries and jurisdictions through eight wholly-owned global service centers in key regions, including Houston, Texas; Stevens Point, Wisc.; Kuala Lumpur, Malaysia; Mexico City, Mexico; Sofia, Bulgaria; Okinawa, Japan; Shoreham, England; and Guangzhou, China. 

How Is AIG Travel Rated?

AIG Travel policies are underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., another subsidiary of AIG. As of June 2018, the policy writer has an A.M. Best A rating, putting them in the “Excellent” credit category with a stable outlook.

For customer service, AIG Travel is highly rated on three major travel insurance marketplaces online. With more than 400 reviews, AIG Travel has a five-star rating from TravelInsurance.com , with a 98 percent recommendation rate. Customers of InsureMyTrip.com give the company 4.56 stars (out of five). Although Squaremouth.com no longer offers AIG Travel policies anymore, previous customers gave the company 4.46 stars (out of five), with less than one percent negative reviews. 

What Travel Insurance Does AIG Travel Offer?

AIG Travel offers four plans for consumers, based on their needs and travel plans: Basic, Silver, Gold, and Platinum. Although the Basic plan is not available direct through AIG Travel, it can be purchased through marketplaces like TravelInsurance.com. All travel insurance plans include travel medical assistance, worldwide travel assistance, LiveTravel® Emergency Assistance, and personal security assistance, but only take effect when travelers are at least 100 miles away from home.

Please note: All schedules of benefits are subject to change. For the most up-to-date coverage information, contact AIG Travel.

• Travel Guard Basic: Travel Guard Basic is the lowest level of coverage available through AIG Travel Guard, with the smallest benefits for trip cancellation , trip interruption , and trip delay. The basic plan offers 100 percent coverage of trip cancellation or trip interruption events (up to $100,000), but has very low coverage ceilings for return airfare due to trip interruption ($500 maximum), trip delay (maximum of $100 per day, up to $500), baggage loss ($500 before a $50 deductible) and baggage delay ($100 maximum). The basic plan includes an optional rental car damage policy for an additional price but does not include options for a pre-existing medical condition exclusion waiver or accidental death and dismemberment. Read the schedule of benefits here.
• Travel Guard Silver : Travel Guard Silver is the lowest level of coverage available directly through AIG Travel Guard. Described as “savvy coverage that helps give you peace of mind on a budget,” Travel Guard Silver offers more generous benefits for baggage delay and baggage loss ($750; $50 deductible) and accident sickness medical expenses ($15,000; $50 deductible). This plan also offers optional coverage for pre-existing medical condition exclusion waivers, trip cancellation or interruption due to financial default and additional flight coverage. Typically, travelers who elect to purchase Travel Guard Silver over Travel Guard basic can expect to pay around 2.5% more. Read the schedule of benefits here.
• Travel Guard Gold : The most popular plan offered by AIG Travel Guard, Travel Guard Gold balances insurance costs with benefits. The Gold plan offers more money for trip interruption (150 percent, up to $150,000 maximum), return airfare due to trip interruption (the greater of $750 or 150 percent of the trip cost) and trip delay coverage ($150 per day maximum, up to $750 total). This plan also introduces several additional benefits, including baggage and travel document loss (up to $1,000), baggage delay ($300) and missed connection coverage (up to $250). When purchasing within 15 days of the initial trip payment, travelers may also be covered for pre-existing condition waivers, trip cancellation or interruption due to financial default and primary coverage for accident sickness medical expenses. Optional coverage levels include Cancel for Any Reason insurance (up to 50 percent of insured trip costs), car rental collision coverage and upgrades for medical expense and emergency evacuation coverage. Before any optional coverage, expect to pay 20 percent more for Travel Guard Gold compared to Travel Guard Silver. Read the schedule of benefits here.
• Travel Guard Platinum : Travel Guard Platinum is the highest level of coverage offered by AIG Travel Guard, with the biggest benefit levels. In addition to trip cancellation and trip interruption benefits, travelers can receive up to $1,000 for return air travel due to trip interruption, trip delay benefits of up to $200 per day ($1,000 maximum) and up to $500 in missed connection benefits. Like Travel Guard Gold, travelers who purchase their policy within 15 days of their initial trip payment may also receive the pre-existing medical condition exclusion waiver, trip cancellation or interruption coverage due to financial default, primary accident sickness medical expense coverage and primary baggage and personal effects coverage. Optional policy add-ons include Cancel for Any Reason (up to 50 percent of insured trip costs), car rental collision coverage, and medical coverage upgrades. Because Travel Guard Platinum is the highest level of coverage available, it is also the most expensive: travelers should expect to pay between 50 and 60 percent more than Travel Guard Gold before any additional add-on coverage.  Read the schedule of benefits here.

What Won't AIG Travel Cover?

While AIG Travel offers plans to cover many common travel issues, they will not necessarily cover everything. Excluded situations include:

• Self-inflicted injuries: If you are in crisis while traveling, there are ways to get help anywhere around the world. Note that mental health care may not be covered by your travel insurance plan .
• Pregnancy or childbirth: In many situations, pregnancy or childbirth are not covered under AIG Travel plans.
• Dangerous activities: Planning on mountaineering, going motor racing, or participating in a professional-level athletic event? All of these situations are not covered under AIG Travel plans.
• Baggage loss for items seized by governments or customs officials: Before you return home, be sure to understand what may (or may not) be allowed in your home country. If you believe your items were stolen by customs or Transportation Security Administration officials , there is a separate protocol for reporting those losses.
• Baggage loss for eyeglasses, sunglasses, or hearing aids: Loss or replacement of prescription vision wear is not covered by AIG Travel.

This is just an abbreviated list of situations that may not be covered under AIG Travel trip insurance plans. For a full list, refer to the schedule of benefits of each plan, which are linked in the above content.

How Do I File a Claim With AIG Travel?

Travelers who purchased an AIG Travel plan in the United States can start their claims online . After starting an account online, travelers can file claims for the most common situations, including trip cancellation, baggage loss, and trip delay. Policyholders can also find documentation requirements online , as well as receive updates online. Those who have questions about their policies or claims can call AIG Travel direct at +1-866-478-8222.

The online claims tool is only available for American travelers who purchased their travel insurance plans in the United States. All other travelers should contact AIG Travel directly via their provided telephone number to start the claims process.

Who Is AIG Travel Best For?

At the Basic and Silver levels, AIG Travel is a very basic-level travel insurance plan that may cover those who do not already have trip coverage through a credit card or otherwise have access to a trip insurance plan. Before considering either of these AIG Travel plans, be sure to check that you don't already have coverage through the credit card used to pay for your trip.

If you are planning a major international trip, or are going on a big trip aboard a cruise line, AIG Travel Gold and Platinum may offer better coverage than a credit card. With large benefit levels and coverage already built in for pre-existing conditions when purchased within the first 15 days of an initial travel payment, Gold and Platinum can be a better bet for those who are spending money on a big vacation and want to make sure their trip runs smoothly.

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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.

Other Benefits Related Questions

What happens if i have a trip booked and the singapore government or the destination country’s government closes the borders.

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.

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 .