Travel Guard Reviews

This company is a legal scam. They collect your money with the objective of never ever paying a claim. Remember the little guy in the "Incredibles" who managed the insurance company Mr. Incredible worked for? That is a parody of this company.

Travel Guard is a terrible company. Under no circumstances use their insurance when booking a flight. If your flight is cancelled they do not refund you. They hope you don’t know you have to ask for your money back within 2 weeks or they keep it. Apparently something magical something magical happens to your money and it becomes theirs after two weeks. That is their policy. It’s a policy of theft. I was refunded immediately by the airline on a canceled flight and assumed since I paid for the insurance when I bought my ticket I would get that back as well. They are a bad faith company with reviews that are all under 2 stars. Maybe they should be investigated by Elon Musk.

I purchased travel insurance for a trip I was taking with my family, and the trip was cancelled due to the weather. When I filed a claim, they denied the claim because they stated I needed to connect directly with the airline. I have never had this experience with any other travel insurance company. The claims person, Ashley **, was unprofessional and not responsive. I had to call many times just to get answers on things that was past the promised deadline. I will never purchase through this company again. If you want to do business with reputable company, use Allianz. AIG Travel Guard will just take your money and do nothing for you when they are needed. I've learned my lesson. If it was possible to give zero stars, I would do that but since I can't they have to have one star but that is too generous.

Very poor experience. Had to cancel a trip due to the LA fires. Sent proof of destination venue canceling the event and received no reimbursement. I suggest looking at other companies to purchase travel insurance that value their customers.

I will be brief, got sick in Crete, could not fly to Rome & London. After much paperwork, few months and 3 adjusters was reimbursed for cancelled hotel stays and flight to Rome not London? But most importantly was a loophole that does not cover additional nights stay (if you get stuck as I did for 7 days in Crete for medical reasons) when entire island was sold out. Only lucked out at large resort had a cancellation. We went out of pocket 5k plus hotel with meals and extra car rental and they gave us $315. We were charged over $700 for this policy and for what was situation I am sure many encounter they fail massively. This had never happened to us but now that I know they have a huge hole in their policy I will look to others next time.

I was told insurance would cover my sister being sick. She had to move in with me. They said she was already sick. Yes but she got very sick quickly. She has stage 4 cancer. We could not leave her. She had no one else to help her. They are scammers...what is the point of insurance.

We had to cancel a trip two weeks prior to departure due to a medical emergency which resulted in hospital stays in excess of two months. We provided documentation from the hospital, proof of payment, itinerary and cancellation policy. Sometimes these were provided more than once or in more than one format, ie invoices and credit card statements. They always want something more to delay the decision another 10-15 days. This has been going on for well over two months. They have even sent emails stating a provided pdf was encrypted which to my knowledge is impossible but it bought them another 10-15 delay in paying what is rightfully due. Phone calls are of no help because the answer is always the same, “Your claim is under review.”

Don't waste your money with this company. After 3 months of runaround and sending documentation, valid claim was denied. Total fraud. Trip had to be cancelled due to events out of my control, which is the purported reason for purchasing said insurance.

I paid for an insurance for no reason! I told him so many times I couldn’t go to the travel for personal reasons that I already told them, (and one of the reasons they explained in their policy), but unfortunately, they decline my refund so many times. I took the trip with Uplift for $500., so I have to give that money back… I was explaining that was not my money that was a third-party company that I have to give the money back, but they never solve the problem. I really needed that refund, but they never care. Because of all of that, I went through depression the whole year affect my emotions and my health. I will never ever take this insurance ever again and I don’t recommend to purchase this policy to anyone. Please don’t do it. It’s not worth it.!!!!

I believe that AIG denies claims for Travel Guard insurance in bad faith, requiring excessive and unnecessary documentation, especially when a claim is made for trip cancellation for medical purposes. I recommend, and I am in the process of doing this myself, filing a Complaint with your state's Department of Insurance. I am doing so in Illinois. Bad faith denials are frowned upon so it is very helpful if anyone who has had a claim denied by AIG for Travel Guard Protection to file such a state-level complaint. Once the states are more involved, an investigation may be opened into AIG as a whole, which would be very good for anyone insured under their policies. Thank you and good luck.

Scam. They lied to me when I purchased my Travel Guard about everything and when it’s time to file a claim they Deny. Total scam. They don’t give corporate number to talk to. I told them before I purchased what happened if I lost or something happened in Mexico like got mugged or lost money or bags or sunglasses they told me to go on the net and get a picture of glasses and they will reimburse me. The adjuster denied my claims.

I signed up with Travel Guard and then immediately cancelled. They emailed and stated that they had refunded the amount and it would post to my account in 5-7 business. My bank did not receive the notification until day 5. It is still pending and not posted. I feel that they held on to my funds until the last minute, making money on my money. Really, look at Generali, they charged less for providing more, including travel evacuation in the policy where Travel Guard had an additional cost and rider.

We had to cancel our trip due to Hurricane Helene which brought 2 feet of storm surge into my home. We lost all of our furniture and many keepsakes. Dealing with AIG Travel Guard has been a nightmare. They had three different insurance adjusters in two months! And each time they assign a new adjuster we have to go through the process of documenting our cancellation and loss. I don't recommend this insurance company for any insurance need.

I too wish I had read the reviews about this company prior to purchasing the insurance! I purchased a trip package with a company that went out of business due to financial issues after almost 10 years in business. I submitted my documentation timely and eventually received an email notice stating that because the business did not have staffing for the trip, my claim under trip cancellation was denied. The trip cancellation portion quoted was specifically related to "me" not the business as to why I was being denied.

Read their hidden terms and conditions very carefully before you consider purchasing this insurance. My claim was denied after the airline canceled my flight. And the reason was because the airline cancelled the flight and that's an exclusion. Whatever you think you might get insured for, you will likely not be covered under this insurance company. Be aware!

I purchased flight insurance and my flight was canceled and I had to rebook with another airline. I submitted my claim with all documentation attached, I was contacted twice to provide more documentation and provided it immediately. I have not heard from the claims advisor since October 25 even though I responded immediately with all documentation. When I email I only get an automatic response. When I call the customer service line they tell me that they will message the claims advisor since it is more than 10 business days since I submitted the documentation but no one gets back to me. I feel the company is taking me for a ride and not providing any service!!!!

Long process. Filed a claim for a reimbursement for airfare due with hurricane Helene flooding my Airbnb. Poor communication during this process. Slow to respond. Approved claim, mailed check but left off my apartment number, which I doubt checked was included. Taken a week to void and reissue a new one after repeated requests and calls. No apologies, the adjuster got snippy with me, me the customer waiting on her money.

I wish I had read reviews before purchasing the insurance. We purchased this insurance for a flight to a wedding. 3 days before the flight my 87 yr old father with many serious medical conditions was hospitalized. He was hospitalized for 10 days. I needed to make his medical decisions for him. I am an RN and hold his medical POA. I obviously could not leave the area.

We were told to not go to Machu Picchu by the US State department due to political unrest in Peru and countrywide transportation strikes. Our policy covered refunds and costs due to strikes. After 4 months of documents and dialogue they just refused to pay. I had similar disappointment with Allianz on a bankrupt cruise line that they covered but refused to pay. I am of the thinking to get medical insurance for travel and forget travel insurance companies. They all seem to be extremely difficult to pay and look for loopholes to not pay.

Purchase prior to flight which was canceled due to a hurricane. Submitted request after the flight was canceled due to Being unable to as I had to scramble to make other arrangements to evacuate. Travel insurance denied me because I submitted it later than my flight. Unbelievable. Worst company ever to do business with. Total money scam.

If I could rate Travel Guard with a zero, I would have. Terrible company, I was told I would receive a refund of $1012 after my wife had a stroke. This is all within the window needed in order to receive a refund prior to the cruise. After several days I tried calling and was told I could not talk with anyone concerning my refund. I had to go online and fill out a form and someone would email me. They have a decision-making group that decides if you get money back. You are not allowed to talk with anyone. After several days I was told I would receive a voucher good for two years. I sent another email explaining that my wife had a stroke and we would not be able to take trips in the future. Again I received an email telling me I would not be receiving anything. Terrible company, DO NOT DO BUSINESS WITH THIS COMPANY, THEY ARE DISHONEST!

AIG agent was very uncooperative and would not listen to what I had to say. I requested to talk to a supervisor. I was then forwarded to a voicemail box. Their phone system asks if I want to answer a survey after the call, but after talking with them and them not liking what I was saying they do not give you a survey to answer.

This is the biggest scam ever insurance. They find whatever to deny coverage. I purchased flight insurance for my travel dates and my flight was changed and was under the impression that since they knew all the info on the first they would get the update on the change. Come to find out, they did not extend my insurance as requested because I sent an email after original flight date expired to make sure they have my changes only to get an email back that my request is denied because it came 2 days later while I was still on my original trip. Scammers! Will never buy from them again.

The worst service I ever hired. They refused to reimburse me for the expenses incurred. I had an accident in Brazil, was robbed, and my car was stolen. I ended up going to the hospital and had surgery. They refused to pay, even though I have all the proof: police report, medical discharge, surgery description, additional expenses, and all other required documents and receipts.

Had a horrible experience with Travel Guard. When I purchased my policy I was told that I could modify my insurance if we changed cruises. Well, I did change cruise and was told I could not modify and was not entitled to a refund. I was told the modification was not within the timeframe. When I asked to see that policy or that in writing I was told that it was a non written policy. AVOID THIS COMPANY.

Please do not deal with this insurance company. I purchased my insurance with my flight last year and I canceled my flight due to medical emergency. I claimed my cost since April and this company keep denying me. This insurance company is scammer. Please stop dealing with this company, they are not trustworthy.

I’m very irritated at AIG (automatic travel insurance through airline). The company, I used to work for, declared chap 7 bankruptcy (ie shut everything down and everyone is fired). I would think that this a good grounds for qualifying for filing a claim: losing my job (no fault of mine) per the terms for insurance reimbursement. When one files for insurance claim AIG requires a lot of leg work of the filer to submit so they can determine if your claim qualifies which I completed. After they reviewed my case, claim denied due to a lengthy list of legal reasons. Lesson learned: AIG is not worth the cost if you can’t get a claim to be repaid. I wish I could rate a 0 instead of a 1. Never again AIG!!!! Buyer beware!

Book a trip in March 2024 for November 2024 and also purchased AIG insurance. 2 months before my trip the tour company canceled the trip and refunded the money. I want a refund from AIG for $616.86 but they refused with the comment:

"Since your request was received after the departure date listed on the travel insurance plan, per the terms of your Policy of Insurance, your request for a premium refund is denied". They don't easy at all to file claim.

Very dissatisfied! Absolutely frustrated w/ no response from AIG/Travel Guard Claims Department! I purchased their policy ** and opened a claim ** due to Death in the family! I have uploaded all the docs requested including latest changed itinerary and the fare change details as requested several weeks back but it still shows "outstanding" on the claims portal and there is no response from them, very frustrating!!!