Travel GuardConsumerAffairs Unaccredited Brand
I purchased this plan when buying tickets to visit my Aunt in FL. We ended up having to cancel due to her condo flooding with sewer water and becoming uninhabitable. I went and canceled my flight tickets, because I couldn't file a claim till this was done. It took over a week for the claim to reviewed. Finally they told me that "Cancellations due to the lodging being damaged at your destination are not covered under this plan." ARE YOU KIDDING ME! This is exactly why you purchase this type of insurance. Such a scam, don't purchase!
Knowing my trip had a possibility of changing dates I decided to buy the insurance that was offered by AIG Travel Guard through United Airlines. 24 - 48 hours later I was notified that the policy was denied due to incorrect credit card info. (any site I've ever been to alerts you immediately that there is a credit card info) The TG notification showed a credit card number that wasn't even close? I carefully re-entered & 24 - 48 hours later was notified again - same reason, same wrong credit card number. 3rd time I called the customer service number & went a couple of rounds with the auto message system & got to the area I wanted - press 1 for "a" & 2 for "b". Neither entry was recognized, just went back to "press #1 or #2. Hung up & called back, no surprise same thing. I know it was not my phone because I got passed 2 rounds of questions from the automated answering machine. Not recommended!
I purchased coverage for a trip to Cancun February 8-16, 2018. A week prior I became aware that my sister who was suffering from terminal cancer would likely expire during the time of our trip. I called an AIG phone agent a day before the trip and advised her (Cindy **) that my wife and I were cancelling our trip so I could spend time with my dying sister, I was with her on the day she passed (11 February, 2018). When I was talking to the agent I was told me I could cancel the policy or file a claim. Not being a position to spend time studying the matter, I choose fail a claim, although I protested that I should be able to due either when I had the time to investigate.
Subsequently, I found that our airline will reimburse the cost of an otherwise non-refundable E-Ticket. I asked AIG for a policy refund in lieu of filing a claim for the airfare and they have denied this request twice. The policy cost was $197.00 and the airfare $772.62. I suspect their decision is legal but their policies are misleading and dishonest.
Very unprofessional. Do not waste your time or money. Scam! I booked a flight through Travelocity and purchased the travel insurance provided by Travel Guard. At the time I booked the flight, I was pregnant and healthy. No concerns or issues to even think of. A week before my flight I ended up in the emergency room and diagnosed with preterm labor. The doctor recommended for the safety and well-being of not only our child, but myself, to cancel my flight. I canceled the flight and filed a claim with Travel Guard. I provided quickly and detailed documentation. The claim was denied a week later stating that "pregnancy is not covered under their plans."
I bought insurance through Expedia, what a waste of money. I have the flu and clearly cannot get on an airplane. They will not reimburse me for the flight difference to go tomorrow and will only reimburse me for the $200 dollar fee if I go to urgent care. I am too sick to fly, but do not need to go to urgent care. It's a total scam. Save your money!
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I bought this insurance because we were not sure of our dates and it said 100% cost will be refunded. When I told the customer service rep she rudely said that I am the consumer and I should be more informed and read all the fine print. They have a link which takes you to another link which opens a pop up and there is another link which opens a document that has lot of fine prints. And pretty much shortly of dying or getting stuck in natural disaster you are not getting your money back. Just horrible and shady company. STAY AWAY!!!
BEWARE! I booked flights through Expedia, and was happy to pay the additional $42 dollars for "100% Cancellation" insurance. As you can guess I needed to cancel my flights. I followed the online instructions and supplied the necessary documentation. After 2 weeks I emailed asking if they needed additional documents as it was taking longer than I expected. My claim agent responded and let me know it would be handled in the order it was received. Like 99.9% of all the other reviewers I was emailed a denial letter. I called to get an explanation, short of dying yourself or being in a natural disaster in which makes your home uninhabitable you are screwed. I explained my frustration and said, "I bet you guys rarely refund anybody's claims" She just laughed and said "Yep." I'm currently out $657.00.
Paid for trip insurance through Expedia and it was unfortunately through AIG Travel. After my flights were cancelled and I couldn't stay in the hotel room that I had booked and insured I filled out and sent in all the appropriate paperwork. A couple weeks later I was informed that they would not be covering my claim because they don't cover weather related incidents. Expedia and AIG should be ashamed of the fact that they proclaim 100% coverage! When in fact the only things they cover are ALREADY COVERED BY THE AIRLINES THEMSELVES! AIG is a complete waste of money because they will only give you back what the airlines/travel companies will be returning to you anyways. DO NOT buy their travel insurance. Do what I have always done before (and regrettably didn't do this time because I assumed it was the same) and go with World Nomads, they cover everything and are very easy to deal with.
I purchased this insurance just in case I was unable to get work off or something came up that required me to cancel my trip. I bought tickets before my vacation was approved because of the deal Expedia was having. Expedia did not list all the hoops that would have to be jumped through to get a refund. It said cancel anytime for any reason. Their website requests you to call the airline and cancel the flight before submitting your claim. So I called the airline, cancelled the flight and proceeded with the claims process.
I was shocked when the website listed all of the documents they required as proof. They need proof of employment, notarized letters from my employer, proof of purchase, and all documents relating to the travel. There is no way to obtain a notarized letter from my employer. If I had known it was going to be such a hassle I would have just found another way. Now I am out an additional $200 because I decided to rebook the flight to not lose out on the $500 plane ticket. The only positive is I didn’t but more than one ticket.
Exactly like other reviewers said... You won't be able to get any coverage from AIG unless there is an Armageddon like disaster or you are dying. I purchased a plan on Orbitz for our family vacation to the USA, and when I got this plan I thought I'm getting hassle and obligation free insurance as appears when I purchased the tickets as it clearly state "Cancellation Plan"... If any unforeseen incident happened I thought, I will be covered... But nope! That's not what it was. Very very disappointed in Travel Guard and especially Orbitz for promoting them. I advise not to fall in the same trap as I did...
I purchased travel cancellation insurance to cover the cost of an international trip ($12K) - advertised as 100% cancellation coverage. No link at purchased to read policy. The trip was canceled by the client and I canceled my flights through Travelocity, apart from a $600 cancellation fee that Travelocity told me would be covered by the travel insurance policy I took out. Wrong! They denied my claim because the trip was canceled. What? I spoke with a service representative on the phone that referred me through four levels of links and 8 point type to a document that said the policy only covered the SAME THINGS THE AIRLINES ALREADY EXEMPT. This insurance coverage is a TOTAL SCAM. The company may be legally covered, but ethically every person who works for them should know they are exactly what is wrong with this world.
My wife became pregnant before a trip to Cancun and with the Zika epidemic still present. Our doctor's and nurse advised against travel due to harm to the mother and/or unborn child. So of course, we didn't want to take any chances and have complications due to this travel. What is the point of the insurance if it's not going to cover when the unexpected happens. Never again!
Just like other reviewers said... You won't be able to get any coverage from them unless there is a natural disaster or you are dying. I purchased a plan on Expedia for my husband trip, which was a birthday gift for him, and when I got this plan I thought I'm getting hassle and obligation free gift... If he didn't like the idea I thought, I will return it... But Nope! that's not what it was. Very very disappointed in Travel Guard and especially Expedia for promoting them.
I booked a flight to Charlotte, NC for one of my son's big soccer events. Two days before, the event was canceled due to inclement weather. The temps were near zero with wind chill. So I followed all the steps online thinking I was in good hands with AIG's Travel Guard? Apparently not, I got the runaround and for some unknown reason to me they said I was not covered. I sent them all the paperwork they required, including the cancelation paperwork from the Olympic Development Program, which is a program that invites kids from around the country to tryout for different age group teams and that is one way they build their USA Olympic soccer team. So, anyway definitely would not recommend this company for travel insurance.
My sister became pregnant after the flight was booked. Her and her family were taking flight on separate airline. Doctor advised her not to travel. She got a doctor's note and gave me a copy. I in turn sent doctor's note and all of my info to Travel Guard. Within a week I received notification that they will be sending me my refund within 7-10 days. They will refund trips, but you have to have a valid excuse and go through the steps required to get your money back.
Tried to cancel airline tickets. Although I had paid for the tickets and insurance which read 100% trip cancellation. I bought the tickets through Expedia and there was only one link to travel insurance which was Travel Guard. I purchased the insurance. Due to unforeseen circumstances both passengers had to cancel. Travel Guard would not credit my account, nor would Expedia, or the credit card company. My next step is a letter and documentation to the State Attorney General's Office. I suggest you all do the same. The more complaints that are received and documented, hopefully, will shut this place down and fine them big time.
Just like the subject mentions, SCAM. Advertisement is absolutely false. I purchased the most expensive insurance choice I had for my travels, and was to get refunded 100%. That did not happen. I was out a good 4/500 dollars. These people will ask for tons of "proof", make you call a few times and still will not honor their promise. STAY AWAY!
When I purchased the travel insurance it did not advise what the "covered" reasons for canceling would be on the site that I was using. I did not even know the name of the company until after I agreed to purchase the ins. Once it was purchased and I actually needed to use it, of course they refuse to pay, stating not a covered reason. I will be contacting my state insurance bureau.
What a shame. Paid for insurance. Got sick, got the forms. Signed by the doctor, Attached required documents. Was waiting for the payment but got this requests for about 20 different documents. I don't believe that anyone would spend days to get these documents for possibly refund $300. I guess that's how they make the big money - not paying back anything.
Required Documents: AUTHORIZATION OF RELEASE OF INFORMATION - The ill party should sign and date the release of information form included with the claim form. BLOCK OUT ACCOUNT INFORMATION - Please be sure to block out all financial account and credit card numbers on any documentation you submit. DATE OF BIRTH DOCUMENT - Please provide a copy of documentation proving the name, address, and date of birth of the insured named on the claim form . Examples include driver's license, identification card, etc.
ORIGINAL RECEIPTS - MEDICAL EXPENSES - Please provide the original receipts for the medical expenses incurred. OTHER INSURANCE INFORMATION - Please provide a copy of the front and back of any Group, Retiree, Extended Healthcare Plan, Other Medical Insurance, or Travel Accident Insurance cards. PROOF OF FOLLOW-UP CARE - Statement from doctor indicating reason for medical treatment and proof of all follow up care. PROOF OF PAYMENT Copy of the canceled check, cash receipt, or credit card statement verifying your payment for the medical expense incurred. PROOF OF THE REASON FOR THE CLAIM - Please provide a statement from a doctor indicating the reason for medical treatment if the bill/receipt does not provide the reason for treatment.
AIRLINE E-TICKET DISCLAIMER - FOR YOUR INFORMATION (READ ONLY) - Most airline e-tickets can be used up to one year from the original date of issue with a change fee. By claiming your e-tickets with us, you are stating that you have not used or exchanged these tickets and will not use these tickets in the future. Insurance is underwritten by National Union Fire Insurance Company. The Policy will contain reductions, limitations, exclusions and termination provisions. All coverages may not be available in all states. Claims Department P.O. Box 47 Stevens Point, WI 54481 -0047 www.travelguard.com
AIRLINE TICKET AUTHORIZATION FORM - AIG Claims Inc. is a wholly owned subsidiary of AIG and provides claims administration for Travelguard travel insurance products. Please complete the enclosed airline ticket authorization form. COPY OF NEW/REVISED AIRLINE TICKET INCURRED DURING THE TRIP - Please provide a copy of the new/revised airline ticket. If traveling by means other than air, please provide proof of the new travel date; such as bus/train ticket, car rental contract, proof of early/late departure from the resort or hotel, etc.
COPY OF PAYMENT FOR ADDITIONAL AIR FARE - Copy of canceled check, cash receipt, or credit card statement showing payment for additional airfare. INVOICE/BOOKING CONFIRMATION WITH TRIP COSTS - A copy of the trip invoice along with a copy of the cancelled check, cash receipt or credit card statement for each payment made OR the paid invoice that documents the amounts and dates of each payment. ITINERARY OUTLINING TRIP - The printed description of where you were to be on each day of your trip.
ORIGINAL AIRLINE TICKETS IF NON-REFUNDABLE - If you were issued e-tickets please provide the e-ticket passenger receipt. If you booked over the internet please provide the printed ticket confirmation sheet that includes the ticket numbers. TRAVEL DELAY REASONABLE ADDITIONAL EXPENSES - Please provide the original receipts for the additional expenses incurred or if no receipts are available a list of expenses incurred that provides the amount paid and the date of the payment and what the payment was for.
My wife and I purchased a Travel Guard medical and travel interruption insurance policy for our 12 day Peru trip. I got sick on day 3 and 5 and missed one of our flights (legs) on Latam Airlines. Latam cancelled our flight back to New York from Lima stating that since we missed one leg they can cancel all subsequent legs. So we were forced to repurchase our same seats again on the same Latam flight. The cost was $2300 ×2 total $4,600 one way tickets. My wife is a physician and had 40 patients scheduled at her office the following day and needed to get back.
Travel Guard denied the claim stating I did not have a doctor letter the day of missed flight leg even though I had 2 doctor letters from same week showing altitude sickness and needing oxygen and prescription meds. Furthermore I called Travel Guard from my hotel in Lima, Peru seeking reassurance before purchasing expensive one way tickets. The agent told me to "Do what you need to do, you have trip interruption." Now 2 months later I get a denial letter and have to appeal to my state insurance board. Do not do business with Travel Guard. Go with your credit card travel insurance coverage.
My husband and I had to cut our 3 night stay short by 1 day on our vacation, because our son was sick at home. We had reason to believe it was viral, so we did not take him to the doctor. Because of that, our claim was denied. It is called "cancel for any reason" policy, but that is a lie. Don't waste your money.
DO NOT USE THIS COMPANY! The whole point of getting insurance is to have protection for your trip. I ended up having to cancel for work reasons. This is the first time ever having to cancel a trip for any reason. I followed the prompts to correctly submit my claim. It asked for a notarized letter from my employer and documents to support my claim. It's been two weeks and I've heard nothing so I called today. They said they mailed me a letter and called me. Both of which never happened. Today they say I'm unable to get compensation for my claim because using it for work is not covered. How misleading!!! I feel like I've been scammed.
My husband and I were invited to go on a trip with friends back in July of 2017 with an actual trip date in November 2017. After reviewing all flights I found the best from my location was with Spirit as one of their daily flights is to Puerto Rico from Myrtle Beach SC. This was a pretty expensive trip planned and paid for months in advance so I made sure to purchase Spirit's travel insurance which is through AIG Travel Guard Insurance. It cost $65.00 and would give me peace of mind, so I thought. Well this was before Hurricane Irma and then Maria came through and hit the islands hard. Puerto Rico made it through the first one but Maria made it a point not to leave anything standing. Pretty much no island left and definitely no resort left.
I put in a claim with the travel insurance and submitted it. It took a couple of weeks for them to call and I received a call from the claims agent who told me that I did not have insurance for a named peril so they would not be reimbursing me. I told her I was very dissatisfied with that decision and wanted a supervisor to contact me. About a week later a supervisor did contact me and when she realized how dissatisfied I was she simply re-spouted the reasons that I had already been told were satisfactory for a claim to be paid and mine wasn't a valid one. So here is a lesson that all of you should learn, if you want to purchase travel insurance to give you peace of mind, think twice. The insurance is only good if you don't have to use it. What better reason could there be than for your destination to have been devastated and your resort closed indefinitely to put a claim in. Nope they don't cover it!!! So don't buy it!!!
Travel Guard a total joke. Recently my wife I bought a vacation package to Cabo and purchased Travel Guard travel Insurance. The morning we were to leave we learned a hurricane was approaching and travel advisories/warnings had been issued for the Cabo area. So we decided it was better to cancel our trip instead of traveling into a hurricane. Made a claim with Travel Guard only to be informed that our claim was denied because no flights were cancelled and we were not evacuated. So I guess it’s better to fly into a hurricane and possibly lose your life just so you can meet Travel Guards definition for inclement weather. Don’t buy Travel Guard, they will find any excuse to deny your claim.
Was supposed to go on our honeymoon to Puerto Rico on September 28 - October 3rd. Bought insurance because we knew it was hurricane season. Shortly after hurricane Maria, we canceled our trip for obvious reason. Submitted the claim and sent in all the paperwork. Got denied because the flight we had booked still went out and the hotel never closed. Our hotel was used for workers, and even though it didn't close, it didn't have power. Airport may have been open, but there was no way to get to our hotel from the airport. Most of the island is STILL out of power and roads are completely flooded. It's not even safe for tourism right now. This company is just a bunch of thieves.
When booking on Frontier Airlines website, it offered trip insurance for $10.95. It did not lay out the basics of coverage, but typically these policies would cover cancellation for a variety of good reasons. The reservation came to my email and in it, it included a reference to Travel Guard Insurance and listed a policy number. After being injured and unable to travel, I cancelled then found the Travel Guard company on the internet. When attempting to file a claim online, the website said the policy number was not valid, and so I had to call in. I get told that isn't my actual policy number. It took almost 60 minutes of talking to people in a foreign and domestic call center to get my 'actual' policy number.
I believe this is designed to discourage claims because nobody is that incompetent. Finally I was given a claim number. Filing the claim online was equally tedious and now 2 hours of my day is shot, and from reading the other reviews I don't even expect to be paid. Once that does not occur, then I'll begin to involve others, but for now I needed to post this warning to consumers.
I wish I had seen this site prior to purchasing insurance from Travel Guard. I'm not an attorney, but I'm no dummy either. When I read the initial offer to purchase travel insurance, I was under the impression that we'd be covered if we couldn't make the race due to employment obligations. This is exactly what happened, however, AIG denied our claim. I would never recommend "Travel Guard." Not only are we out the cost of two tickets, but the cost of the insurance as well. We live too far away to try to sell them at the track and besides, NASCAR isn't selling out these days anyway so the demand isn't there. I guess we'll just have eat them and continue warning others of this bogus company.
Why buy travel insurance? Well, one reason is security in case you get laid off, right? That sounds reasonable. That is what I did... I was going to a wedding and the flight was $3000 for four of us. We bought insurance "just in case." Two weeks later I was laid off. Travel Guard wanted a letter confirming this, which I sent. They then denied the claim saying that I was laid off within 2 weeks of buying the ticket. Huh? Literally we are talking about 1 minute of difference here due to the timing of the event. But TG won't budge. But my question is this... Why would they even *have* a 2 week wait time? I had zero notice that the company was going to have a layoff. None, zip, nada.
Travel insurance should be just that... A backup to the unknown. But AIG (who administers TravelGuard) stacks the deck so that they don't have to pay. It seems like they are just as rotten as they were during the meltdown! What is even more interesting is that while they are denying my (I believe) totally well-founded claim, they are not even offering a refund for their totally bogus (my opinion) policy. The 'event', unable to travel, already occurred so essentially there is no way I could ever (legitimately, in their eyes) file a claim. If that is the case, then there is no policy and, at the very least, the policy should be refunded. But that isn't an option AIG has even given information about. I like Virgin America but I am very upset that they would partner with someone that sells a product that essentially has little or no value. Virgin needs to rethink its partnering strategy.
Paid for an airline ticket. The airline cancelled the flight and only refunded me partial payment. You would think an airline that cancelled would give you a full refund. Nope... out 80.00 plus. Had to book with another airline cost me an extra 50.00. AIG would not honour the flight cancellation and difference in price and partial refund. They are a joke!
I was taken to the emergency room six days before the start of our trip with a kidney stone on the move. Bottom line, I had to cancel our trip on the day of departure. The online claim handling went well. I was able to upload our receipts and travel providers' cancellation policies. I had everything but the doctor's form. Travel Guard got back to me the next business day via email and telephone stating the claim has been assigned, along with the direct contact info to reach the assigned claims representative. The rep was easily reached, returned my calls, and stated she needed to wait for the doctor's report before the claim could be adjudicated. (This was understandable.)
I uploaded the doctor's form on June 12th. On June 13th, I was informed that my claim has been closed and it was referred to their audit department for final approval due to the high dollar amount. On June 14th, I was advised that claim was approved and would be paid in full. On June 17th, the check was received at my residence. Travel Guard's online portal system worked well for me and overall, Travel Guard did what they said they would do according to the terms of the policy. All our non-refundable payments were reimbursed to the penny. Our claims adjuster was pleasant, professional and competent. No complaints from me.
I write this review as my experience was (thankfully) 180 degrees from what Consumer Affairs reviews led me to expect. I only saw these Consumer Affairs reviews well after I purchased my policy. I was quite anxious, expecting the worst when it became apparent I would have to cancel our trip. Based on our experience, I would recommend them and we plan on using them again to insure future trips.
Travel Guard expert review by Matthew Brodsky
Serving millions of travelers each year, Travel Guard is one of the leading providers of travel insurance.
Per-trip or annual plans: Get coverage for an annual vacation or for every trip you take during the year.
Instant online quoting: In addition to their more than 12,000 travel partners, you can also buy Travel Guard plans online.
Tiered pricing: Choose between three different service levels to get the coverage you need.
Travel health insurance available: Health issues and medical emergencies can crop up at any time, but with travel health insurance, you can visit a doctor and know that your bill is covered.
Baggage coverage: Enjoy up to $1,000 in coverage if your luggage is lost, stolen or damaged during your trip.
Best for: Party animals, workaholics, adventurers and family trippers.
Travel Guard Company Information
- Company Name:
- Travel Guard
- Year Founded:
- 3300 Business Park Drive
- Stevens Point
- Postal Code:
- United States
- (800) 826-4919