Travel Guard is a well-known and well-respected name in the travel insurance sector. It has three major coverage options, and in general, its policies provide above-average coverage for baggage loss and delays, as well as high medical evaluation coverage limits. Depending on the plan you choose, your premium may be slightly higher than that of some competitors, but it will still be in line with the industry average. In this article, we will delve into the reviews and experiences of customers to give you Travel Guard by AIG reviews.

AIG Travel Insurance Plans

AIG Travel Guard insurance may appeal to vacationers, last-minute travelers, and frequent travelers. There are five plans available, each with different benefits like as trip cancellation, trip interruption, baggage delay, and reimbursement for medical and dental expenses.

AIG Travel Guard Deluxe: In addition to the usual benefits, the Travel Guard Deluxe plan provides trip cancellation and trip interruption insurance, travel medical insurance, evacuation insurance, travel delay insurance, and luggage insurance. It offers pet, wedding, and adventure sports upgrades, as well as lost connection, travel inconvenience, and AD&D insurance.

AIG Travel Guard Preferred: The Travel Guard Preferred plan offers many advantages, including coverage for medical costs up to $50,000, dental costs up to $500, and emergency evacuation costs up to $500,000. Additionally, it offers coverage for trip interruption, trip cancellation, and trip delay. Baggage loss, damage, and theft are all insured up to $1,000. This itinerary can work well for both domestic and foreign trips.

AIG Travel Guard Essential: This low-cost travel insurance plan covers trip cancellation, trip interruption, medical costs up to $15,000, dental costs up to $500, delayed luggage up to $200, and delayed travel up to $500.

Pack N’ Go plan from AIG Travel Guard: This plan’s features are intended for last-minute travelers who will not require trip cancellation coverage. They include trip interruption, trip delay, missed connection up to $500, luggage delay up to $200, medical expenses up to $25,000, and dental expenses up to $500.

AIG Travel Guard Annual plan: Designed for frequent travelers, this plan includes trip interruption, trip delay of up to $1,500, missed connection of up to $500, baggage delay of up to $1,000, medical expenses of up to $50,000, dental expenses of up to $500, and emergency evacuation of up to $500,000. Kansas, Montana, and New York do not have access to the Travel Guard Annual.

How Much Does Travel Insurance from AIG Travel Guard Cost?

Obtaining a quotation from Travel Guard is simple and quick. Go to the AIG website and provide some basic information about the trip you want to take. You’ll get a fast price for the insurance plans that are available for your trip, making it simple to compare them.

We did some simulations to see how much a Travel Guard policy might cost. You’ll see that charges often range from 5-7% of the total trip cost, depending on the policy tier you select.

The prices shown below are for a 30-year-old Florida resident flying to Australia for a week in January 2023. The vacation will cost $8,000 in total.

As you can see, depending on the level of coverage you select, the cost varies from about $229 to $417. The prices for the three Travel Guard plans are illustrated in the following example for a 40-year-old California resident flying to Mexico for a week in December 2022. The price of the journey is $6,000.00.

In this example, the cost of coverage ranges from roughly $497 to $664, with the Essential plan being the cheapest and the Deluxe plan being the most expensive. Of course, higher-tier plans will have more coverage limits.

As you can see, the cost of coverage increases as the insured’s age increases. However, when it comes to the percentage of the entire trip cost you’ll spend for travel insurance coverage, these prices are in line with industry averages. In general, you should anticipate to spend between 4% and 8% of your overall trip cost, regardless of which insurance carrier you choose.

Many trips may be adequately covered by your credit card perks, but you should do some research to determine which cards offer the greatest alternatives (and remember to book the trip with that card).

If you’re planning extensive overseas travel or a long cruise, Travel Guard’s Preferred and Deluxe plans may provide better coverage than your credit card. Overall, Travel Guard plans provide a number of coverage options as well as an easy-to-navigate website and may be a suitable fit for your next trip.

If you don’t find what you’re looking for with a Travel Guard plan, try an insurance comparison site like Squaremouth, where you may compare a variety of alternative plan options.

Final Thoughts

It is notable that AIG Travel Guard does not exclude COVID-19 related claims under specific coverages and offers a Cancel for Any Reason add-on, as not every travel insurance company can make that claim. Also, if you are traveling with children, AIG Travel Guard may provide good value by include those under the age of 17 at no extra cost (1 per premium-paying adult). The bottom line when acquiring travel insurance from AIG Travel Guard is that if you can acquire the coverages you require at a price you’re comfortable with, you’ll know you’re doing business with a highly-rated, well-established firm.