Review of AIG Travel Guard International Travel Insurance
Is it Worth It?
AIG Travel Guard is an International Travel Insurance that I have personally have used. I found that as it does cover if the traveler or immediate family is hospitalized or dies but for everyday occurrence it does not help. If you are unable to travel due to work related events or decide to just cancel for any reason it requires that you have purchased an additional coverage that the travel agent did not tell you about. It also does not cover if you miss the ship due to missing a flight or traffic. It will cover if you get into an auto accident on the way to your destination though or if your air travel delays are not at your own fault. An example of this would be delayed flights or missed connections due to a delayed flight. If you are just running late to the airport you can forget the coverage.
One of the positive aspects of International Travel Insurance is that if for any reason you are transported to a hospital or medical facility your expenses can be covered. Be fore warned though for maximum coverage this too may require additional insurance. If you do decide to purchase the cancel for any reason insurance it will only refund 50% of the travel cost. If you purchase the cancel for work trip insurance it will cover 100% of trip cost. The cost for additional insurance to cancel for work related is $24 per person and the cancel for any reason is 1.4 times the base cost of the insurance. For your average traveler between the age of 35-59 this cost would be $94 for a trip that cost you between $1,500 and $2,000 and that is just the additional coverage.
International Travel Insurance is not cheap with all the add-ons needed to insure that you will be covered. For the average adult age 35 to 59 basic coverage for a trip costing between $1,500 and $2,000 travel insurance will run you $94 per person. This is your basic plan. You are also at the liberty of the insurance company approving your claims. There is a lot of paper work involved in this process as well.
International Travel Insurance can be worth it while vacationing abroad. It will cover emergencies like hospitalizations and injuries. It will even cover if you have to fly back early in some instances. But if you are purchasing the insurance in case you are unable to make your travel plans than this is not the best option. I would suggest booking with a travel agency that allows refunds for cancellations. Usually this is on a time line. For example if you cancel before the 70th day prior to departure it would be 100% refund. 70- 40 days a 75% refund and finally they would refund you 50% if canceled before the 14th day before departure. This is the best option for those who fear the non medical unexpected should arise before they leave. This is also a free option to travel insurance.
If piece of mind is what you are looking for while traveling abroad I would suggest using AIG Travel Guard as they are comparable to other travel insurance agencies and are very polite and helpful on the phone.
Published by Chris Marcum
I am a Stay-at-home mother of three girls. I am interested in all things involving my children and traveling. View profile
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6 Comments
Post a CommentOn a recent trip to Peru. Travel Guard advised me to return to the U.S. due to serious illness incurred on the trip. They said take the first flight I could get and send them the bill. I do so. They admitted they told me to send them the bill, but denied to pay it. I paid them $92.00 for the policy. They said I had no trip interruption coverage. They are big time ripoff artists. Would not recommend Travel Guard to anyone.
Our ordeal with this company started in August. My husband and I had planned a trip for our one year anniversary to Costa Rica as our honeymoon since we did not really get a honeymoon when we got married. Unfortunately, my husband developed severe gastroenteritis the day before we were scheduled to leave, so we had to cancel the trip. That day, I called Travel Guard, gave the man my information, and asked him what was covered and what I needed to send. He told me that everything, including the flight to Costa Rica, the flight within Costa Rica, and any money we lost on hotel reservations would be covered and to send documentation of what we lost, and that we should have a check within 30 days. So, 27 pages of documentation and 1 day later, I faxed all this information to TravelGuard, relieved that we had purchased the insurance and that our trip would be covered.
Almost 3 weeks later, I received notification that I had not sent them enough information and that my claim could not be pr
My daughter was alone in Africa on vacation. she decided to extend her trip for 2 additional weeks. Travelguard would NOT extend her coverage for another 2 weeks for any price. No other company would insure her because she was already there. So as a result, my daughter had NO coverage for 2 weeks. Make sure you read the small print!!
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Super Travel Insurance
http://supertravelinsurance.com
Travel Guard is horrible. Does not want to pay legitimate claims and will do anything to delay, confound and make you mad. Avoid them at all costs! Look at all of the negative comments on the web!
;-)