Travel Guard

Travel Guard Reviews

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Overall Rating
1.6 out of 5
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About Travel Guard

AIG Travel, Inc., a member of American International Group, Inc., is a worldwide leader in travel insurance and global assistance. Travel Guard® the marketing name for its portfolio of travel insurance and travel-related services, including medical and security services, marketed to both leisure and business travelers around the globe. Services are provided through a network of wholly owned service centers located in Asia, Europe and the Americas. For additional information, please visit our websites.

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Travel Guard Reviews

ConsumerAffairs has collected 560 reviews and 727 ratings.

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Customer ServiceCoverageStaff

Reviewed Nov. 16, 2023

Coordinated a trip for 16 people to embark on a Viking River Boat Cruise. We purchased a travel policy from AIG/Travel Guard for this ONCE IN A LIFETIME European Vacation. The travel protection plan was recommended by our travel agent. We felt confident we were covered 100% in case of any issues beyond our control were to take place. Unfortunately, everything that could go wrong went wrong and four of us ultimately missed our trip. Our flight was delayed 24 hours and we missed our boat in Amsterdam. After numerous attempts were made to find a way to meet the boat we were informed there was no available options that would allow us to make it. However, as disappointed as we were we felt ok and relieved knowing that our investment had been protected by the insurance policy we specifically purchased for this trip. Only to find out, the policy contained many loopholes and exceptions in which we fell victim to.

So after paying for the policy and saving for 4 years for this vacation we learned that our coverage of $19K only qualified for $2,500 reimbursement. After submitting a 25 page claim, over 160 emails thus far and numerous phone calls we have learned we ultimately wasted our time and hard earned money on this policy. I will never purchase travel protection again. I've heard nightmares about situations like this, but I felt we followed every protocol we needed to in order to protect ourselves. We worked with a travel agent, and we purchased the protection recommended and we followed all recommendations to ensure a seamless experience. It's been a horrible experience between AIG/Travel Guard and Viking Travel. This is the trip we never took that will never go away. Eleven weeks and counting...

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Customer ServiceCoverage

Reviewed Nov. 14, 2023

I purchased a round trip flight from Nashville, TN BNA airport to Portland, ME PWM airport from 16 September 2023 to 24 September 2023; and purchased a Travel Guard Plan from AIG at the same time. The day before I was scheduled to leave I got a call from the airline that my flight to PWM was cancelled due to weather as a result of Hurricane Lee. The airline re-booked me for free to the closest available airport Boston-Logan, MA BOS, and from there I rented a car and completed my trip. Upon returning I filed a trip interruption claim with AIG. Trip interruption due to weather is a covered event according to the policy. I submitted the letter from the airline stating the flights were cancelled due to weather along with all the receipts that coincide with the trip interruption.

As of the date of this review (14 November 2023) AIG has still not resolved the claim. I get repeated requests for "Required Documents: VERIFICATION DESTINATION MADE INACCESSIBLE DUE TO HURRICANE." (That is copied directly from their e-mail.) Repeated calls to customer service and no one can tell me what the burden of proof is that they need. Apparently correspondence from the airline, coupled with every news outlet in America reporting on that hurricane is not enough. In my opinion, AIG makes their product sounds great to travelers looking for peace of mind, however when it is time to pay a claim they find a way to weasel their way out of it. I would not recommend this product to anyone.

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    Verified purchase

    Reviewed Nov. 7, 2023

    I was scheduled to go to the Holy Land in January, 2024. Obviously, this has to be changed because there's a war going on there. Travel Guard does not see that as a valid reason to cover the cost of my cancelled trip. The company will only pay if we go to Israel AND there is terrorism occurring in the town where we are while we're there. Nearby isn't good enough. We were told we could transfer our coverage to a different destination & still be covered if we travelled within a year. We chose Greece, only to find out that Travel Guard meant a destination in the same area- the Middle East. We can go to Afghanistan, Uzbekistan, Iraq, Syria, Jordan, and yes, even Palestine. What kind of offer is that? We can't get our money back, even though our original trip is months away, and we were told that we need to buy a new policy if we want to be covered. I'll never use this company again. If I could give it zero stars I would.

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    Customer ServiceStaff

    Reviewed Nov. 3, 2023

    I reserved a room for a few days out of state. I am incapable of driving myself so I was depending on a friend who was going to the same "celebration of live" event. My ride caught covid and was not able to drive us to the ceremony. When I filed my refund claim AIG wanted the hospital covid records of my friend even though we provided her home covid test and AIG paperwork of the cost/receipt of hotel stay that had been reserved ahead of time, they refused to reimburse me. Phone representatives did not speak English very well and it was difficult to get a supervisor to speak with.

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    Reviewed Oct. 24, 2023

    Had trip cancellation/interruption insurance. Airlines cancelled my flight, with no way to make my connecting flight. I submitted all airline and hotel documents. The ONLY option airlines gave me, to make my connecting flight and go on my tip, was to go one day earlier, than my original trip date, get a hotel to make my connection. AIG denied my claim saying I changed trip days outside my original trip dates. What? That is not true. Been traveling all my life, often with travel insurance. My experience with AIG - they looked for any technicality to try to rationalize to deny. This is purely dishonest. Never again with AIG. Pathetic. Steve B.

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    Customer ServiceStaff

    Reviewed Oct. 15, 2023

    Lost luggage claim that took forever to process. Inept phone reps. Absolutely on communication over 8 weeks. Waste of money. Trying to avoid payment at all costs. Never contacted me directly, never listened to what I had to say. This company is awful.

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    Customer Service

    Reviewed Sept. 29, 2023

    I had a layover flight recently from Munich to Zagreb. My luggage was lost when arriving in Zagreb. Immediately, I reported this and received irregularity report. I did receive my bag 20 days after my trip in my city of Toronto intact. Had all the documentation required for the claim including receipts for items needed, clothes and toiletries. The claims department had the audacity to ask for a renters insurance policy. What?! And also they wanted something from the airline stating I had not received compensation. And agreed with a previous review, customer service is in the Philippines and they have no knowledge whatsoever, just say the same thing over and over.

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    Customer ServiceCoverage

    Reviewed Sept. 25, 2023

    [1] I called your helpline on the morning of December 16th, 2021 (about 11 AM Eastern Standard Time). The operator told me that I was covered after I mentioned the word COVID. He went as far as giving me advice to refuse benefits from United Airlines because that would complicate my claim with AIG which he said was certain. I was adamant in my erroneous belief that an AIG representative stated that my trip was covered and to refuse United Airlines refunds because it would make the claim recovery process more complicated.

    [2] My uncle died of COVID that morning.

    [3] Omicron variant was rising in Spain. I knew this was not going well. When I purchased the tickets, on November 14th, the daily average of new cases in Spain (according to the NY Times) was 3074. On the day I canceled the tickets was 24,846, the factor increase is greater than 8x. As I write this the daily average is a record high for Spain, 56,771, a factor of 18x greater than the date of purchase.

    [4] I canceled 6 days before the flight left hoping that Lufthansa could find others for the seats. United has a full 18 days to fill those seats (perhaps someone without a 10 year old son).

    Yes, I understand that the fine print does not cover my exact case but 2020 and 2021 have been extraordinary years and you would expect a venerable institution like AIG to have a heart and not always follow the fine print in extraordinary circumstances. You want proof of extraordinary circumstances? In the early afternoon (Eastern Standard Time) of December 20th, 4 hours before I and my 10 year old son were to take off the State Department of the United States issued this statement (I paste from the website

    Spain Travel Advisory Issued December 20th, 2021 Spain – Level 4 --- Do Not Travel. Do not travel to Spain due to COVID-19. Exercise increased caution in Spain due to terrorism and civil unrest. Read the Department of State’s COVID-19 page before you plan any international travel.

    The Centers for Disease Control and Prevention (CDC) has issued a Level 4 Travel Health Notice for Spain due to COVID-19, indicating a very high level of COVID-19 in the country. Your risk of contracting COVID-19 and developing severe symptoms may be lower if you are fully vaccinated with an FDA authorized vaccine. Before planning any international travel, please review the CDC’s specific recommendations for fully vaccinated and unvaccinated travelers. Visit the Embassy's COVID-19 page for more information on COVID-19 and related restrictions and conditions in Spain.

    Country Summary: Terrorist groups continue plotting possible attacks in Spain. Terrorists may attack with little or no warning, targeting tourist locations, transportation hubs, markets/shopping malls, local government facilities, hotels, clubs, restaurants, places of worship, parks, major sporting and cultural events, educational institutions, airports, and other public areas. Demonstrations are common. They may take place in response to political or economic issues, on politically significant holidays, and during international events.


    You claim these are not covered under the fine print, especially to a father with a 10 year old son? The world had no inkling on November 14th, when the tickets were purchased, that this would happen but with some foresight I tried to hedge my bet against a rise in COVID and purchased your insurance. On November 14th, after I purchased your insurance sent me an email which begins as follows:
    Breathe easy! Your trip is protected.

    You’ve added Flight Protection Plan to your trip to Barcelona.

    Is it not problematic to use statements like “breathe easy” and “Your trip is protected” during a global pandemic which affects the respiratory system? Yes, life happens AIG. Since I bought the tickets for my son and I
    • COVID has hit record numbers in Spain (a factor of 18 increase).
    • My uncle died of COVID, five other family members have tested positive, many of them juvenile.

    • The State Department issued a DO NOT TRAVEL TO SPAIN and a DO NOT TRAVEL TO GERMANY.

    I, in due diligence, canceled as early as I had a premonition (so the airlines could sell the seats and I could avoid quarantining my son during a ten day family vacation to his grandparents), and I called your helpline (and received erroneous advice). Do the correct thing as a venerable company that, I hope, is interested in maintaining their reputation.

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    Reviewed Sept. 14, 2023

    Travel Guard (AIG Travel Travel Insurance) has a strategy of pretending it didn't get documents; pretending it doesn't understand documents, etc., with the hope that eventually you will give up on your legitimate insurance claims.

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    Reviewed Sept. 1, 2023

    We traveled 31 days to South America on a cruise and land trip. Peru land trip was cancelled due to US State Department warnings. Travel Guard was requested to pay $1600 for flight changes to come home from Santiago, Chile instead of Lima, Peru. They refused and said that political unrest was not covered, only strikes. We countered that the US State Department in fact said that there was a Peru nationwide transportation strike. Travel Guard refused to pay. DO NOT USE AIG TRAVEL GUARD. THEY ARE NOT TO BE TRUSTED.

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    AIG Travel author review by Holly Johnson

    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.

    by Holly Johnson Personal Finance Writer

    Holly Johnson is the founder of Club Thrifty, a personal finance and travel resource geared to families, and has over 10 years of freelance writing experience covering credit cards, loans, insurance and other banking topics. She is also the co-author of budgeting book Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love. Johnson is an investment expert who built and manages her own seven-figure portfolio, and she frequently writes about various investment strategies.

    Travel Guard Company Information

    Company Name:
    AIG Travel
    Company Type: