Travel Guard Reviews

Travel Guard and AIG insurance is not worth it and I would advise never to purchase this travel insurance. I have a legitimate claim and have had to send the same information to a very rude and difficult claim agent. The agent despite having all information focused on and was only interested not in the facts but rather for finding ways to deny claims without reading, regarding or considering the facts and documentation submitted, which could easily be verified.

Unless you are dead or dying they make it pretty much impossible to get any of your money back. They said in the policy that I would be refunded in the case of cancelation for work. A work thing came up that I had to cancel for but when I submitted for my refund they said that i needed written documentation requesting time off from work, another one with written approval for time off, and a final written notice requesting I work during that time. They bounced me back and forth between different departments. And then denied my claim.

My husband planned a mountaineering trip and we purchased a policy with Travel Guard. The trip was cancelled due to extremely high avalanche danger which made the climb impossible. Although we sent all the requested documentation from the mountain guiding company, our claim was denied. Since the airline gave us a reusable credit and the guiding company refunded the total cost, we were claiming only a small amount--the cost of the condo (which was non-refundable). We were informed that our claim was 100% denied because our flight was not cancelled. Buyer beware!!

I highly would not recommend this company. We had to cancel our trip and they’re refusing to refund our money because we don’t believe in going to doctors. All natural care, I would not recommend it at all. You try to get a hold of the CEO of the company and he will not return your call. They tell you they called you back and they do not call you back.

Scamming people on the name of insurance. I booked 2 day hotel stays. I had to cancel my stay because my wife is pregnant and she wasn’t feeling well that day. I canceled the stay and asked for travel guard insurance to cover it so i can get my $500 refund. I got the response that unless I present them a medical proof from hospital that my wife wasn’t feeling good that day, then only i can get refund. So my question is why they didn’t state these type of requirements before I purchased the insurance.

I would first preface this review by saying "Buyer Beware." If at all possible, do not purchase TRAVEL GUARD INSURANCE. Ask if your trip can be insured through another insurance carrier or your auto insurance. I was unable to travel due to work, I was told this was not a valid reason to cancel my trip. And therefore refused to refund 3,340 dollars plus their fee. I have reported them to Consumer Affairs and the Better Business Bureau. DO NOT USE THIS COMPANY. I will continue to post this everyday.

Great insurance unless you need to file a claim. I have spent literally thousands of dollars with them over a number of years. Never had to file a claim. Then when I had to miss two days of cycling trip because of a luggage delay, they denied me. This was after making me jump through numerous hoops gathering information and the reasons for denial were a matter of interpretation. They certainly could have justified paying it. After many loyal years with them and many referrals to my friends, I am now a former customer and will do my best to spread the word.

We had a solid Doctor's note and all the paperwork and they still denied our claim. What is the point of purchasing insurance? Such an outright scam! I would never ever recommend them ever! Especially if you are facing a huge crisis of several days in hospital and air evacuation!!

When my airline changed the schedule of my flight, I had to cancel a hotel reservation that I had insured. Travel Guard refused the claim because "your trip was canceled due to a carrier caused issue." In other words, the policy has loopholes so that the company can avoid claims.

I wish I had read these before I spent the money with this company. I paid insurance on 3 flights, had a measly $54 claim and they just wrote me back to say that I had cancelled the policy. Then when I asked them to provide proof of cancellation, they said to deal with Expedia, where I purchased it directly. Then, even after I got proof from Expedia that the policy was not cancelled, they just ignored my emails. I have filed a report with the FTC and encourage others to do the same. This company needs to be brought down. They are a SCAM.

This in NOT insurance, but a SCAM. They refuse to cover even when the policy clearly states the situation is covered. Then you cannot elevate nor challenge their claim that the policy doesn't cover. Calling doesn't help. Sending a copy of the policy with appropriate section highlighted doesn't help. They just write this is not covered.

It is now three years later, and I STILL HAVE NOT RECEIVED THE CHECK! I purchased policies for travels in 2021 and in 2022. I had to cancel both trips due to my husband's illnesses. AIG denied the first claim even though my husband had been hospitalized. After going through the hoops and getting his doctors to write even more notes for AIG, we were again denied. I gave up. There went $850 out the window. I would have been better off if I had just accepted the airline's offer of substitute tickets (for a future trip). AIG "approved" the 2022 claim and told me they were sending the check. Didn't receive it. Waited a couple of months and called them again. Was told the check was printed and would be mailed. Never received anything.

Very bad experience with Travel Guard. Went to Costa Rica 9/2025. Precipitation prevented us from landing in San Jose. Left us in Liberia airport after long delay on tarmac (we were hoping they’d bring us back to San Jose). Sent us on very uncomfortable 3.5 hour drive back to San Jose and arrived at 1:30 am. Missed our pick up which was at 6:30 pm so booked a hotel at airport Holiday Inn so we could get pick up service back next day to take us to our final destination, Esterillos Oeste. After multiple attempts to recover just my hotel payment ($141.25) they sent a denial letter. I would not recommend them. Feels like a scam. I sent all receipts requested. They kept asking for a note from United Air explaining why the flight was delayed. Never happened.

ABSOLUTELY AVOID! Travel Guard Insurance is a Complete SCAM. If you are reading this, please heed my warning: DO NOT BUY TRAVEL INSURANCE FROM TRAVEL GUARD. Tell your family, your friends, and your colleagues to stay far away from this company. They deceive customers and will deny your legitimate claim after months of waiting. I submitted a claim for a loss of approximately $800. I spent four grueling months going back and forth, meticulously providing every single document they requested. I gave them more than enough evidence to prove my claim was legitimate, yet they still found a way to deny it.

Our flight was cancelled due to government shutdown therefore we had to cancel our hotel. Travel Guard said that the shut down was not a reason and would not reimburse us. Travel Guard is a total farce!

I recently used them for car rental insurance; never again. I was required by the car rental company to pay upfront for a small dent and now a month later still no reimbursement from them! I submitted all my documents but they still keep asking for additional paperwork.

I’m one of those who got scammed by AIG travel insurance. I was supposed to go to Puerto Rico to attend a public panel discussion as an invited guest. I bought the tickets and I got the insurance. Later the event got cancelled and I have received a very official letter of cancellation. I’ve submitted the papers and I got a decline notice from AIG, stating that only a death of someone could give me my money back. It never said that when they were selling me this insurance. AVOID AT ALL COSTS! These are scammers.

They deserve a 0 for being a scam! You pay for insurance and they refuse to pay. I paid insurance for a flight that was not able to be taken and they are refusing to refund the amount for the flight. Travel Guard Travel Insurance Case **.

This travel insurance is basically just a scam. I had to cancel my hotel reservation due to illness. While their site says this is a covered option, instead I spent 3 months emailing back and forth and calling with absolutely no resolution. Every email they write is just a template, probably just an AI, saying the same thing over and over regardless of what you mentioned in the previous email or from when you called. Incredibly frustrating and I will never sign up for this "service" again. Stay far away from AIG!

I spent days on the website and with 3 different representatives, starting on 10/29/25 after Hurricane Marissa struck on 10/28 and interrupted a bike trip I had scheduled to Jamaica on 11/6/2025. The trip was rescheduled for November of next year. I requested a transfer of the dates of my policy to next November and was denied; other travelers in my biking group had trip insurance that other insurance companies switch dates for immediately and with no question. Travel Guard cancelled my policy and issued me a $38 dollar refund on a $280 policy. Never again will I go to this company! I hope those poor travelers who were stuck in Jamaica for days after Marissa struck did not get similar slow and unsatisfactory service. Can you imagine. I got off easy. When I go biking in Jamaica next year, Travel Guard won't be there with me, that's for sure????

Terrible company. They would not refund the insurance cost. I had to cancel my flight due to uncertainty with the Government shutdown. They refused to refund the policy cost. I got a partial refund from the airline but Travel Guard would not even refund the 50 dollars I paid for the insurance. A friend that was traveling with me also had to cancel his flight. He had bought Generali Global travel insurance. They refunded his policy cost with no problem. Stay away from Travel Guard.

Do not trust them. I filed a claim over 2 months ago and they are not processing my claim, they do not answer might emails and the freaking adjusters do not call me back. Even though I've been calling/emailing them for weeks now. Fraud alert!!! They are thieves!!!

I’ve never been more disappointed in a company that claims to provide “travel protection.” My experience with Travel Guard has been an absolute nightmare. Sure hope no one else out there's considers there pets family. I purchased a policy expecting support and understanding if an unforeseen emergency arose — that’s literally why people buy travel insurance. Unfortunately, when my dog needed emergency surgery, I had to reschedule my hotel stay. This wasn’t a “change of plans.” It was a genuine emergency, backed by veterinary records and invoices.

Travel Guard guys please beware this company is a scam. They are based out of Zürich, Switzerland. Legitimate claims you will be denied. The government is shut down. Of course they are toothless tiger. I don’t think they’ll do anything about this company scamming us out of our money. The whole company a so-called corporation is in cahoots to rip you off. The adjuster James ** horrible. All of them are in the same club to rob you of your hard earned money here in America cause we have no protection. Please be careful. Avoid AIG and travel guard at all cost. Allegedly, they are horrible people.

I have always covered my trips and every time they always come up with something and nothing gets covered. Stay away from this company since they seem to not cover anything. Back in August we missed our connecting flight (not our fault) and we ended up renting a car and driving home (didn’t want to wait 24hours for a flight when it took 5hours to drive). AIG has denied to pay for missed connecting flight or car rental we took. What was the point to pay for insurance? Don’t waste your money on this company.

I purchased three flight ticket and paid for insurance through Travel Guard. I cancelled the flight tickets just an hour after purchasing due to a dead in the family. I filed a claim through Travel Guard, and they denied stating that even though I paid for the insurance on 10/14/25, I was not covered until 10/15/25. They also asked me to resurrect my dead uncle so he could sign some paper work. I travel quite often, I have never filed a claim. My advise, do not flight with Spirit airlines and DO NOT USE TRAVEL GUARD. THEY ARE A SCAM INSURANCE COMPANY. THE ABSOLUTE WORST.

Awful, terrible. Just the worst service ever. They take a long time to answer your claim. When they finally answer is to let you know you don’t qualify for a refund. My husband and I had a trip for Brazil stopping in Colombia. On your way back trip was cancel 1. Visas did not arrive on time to take our trip, bad weather also made it impossible to reschedule the trip. Well the reasons they did not even care since no one ever answer the phone nor answer emails I sent over.

DO NOT BUY!!! This company is a scam. I knew better than to buy and didn't trust my gut. NOTHING is ever covered so they are just getting free money from everyone. I submitted everything document they asked for with valid reason to cancel, and still no refund.

I had a horrible experience when mis-booking the trip and accidentally choosing the wrong date. I even had protection coverage through Travel Guard which denied the claim! ‘Booking error’ wasn’t a good enough reason for claim coverage! Travelocity was not helpful to change the date of the booking and the hotel itself couldn’t alter the date due to booking through Travelocity!! DON’T use TRAVELOCITY or waste your time with TRAVEL GUARD!

Absolutely criminal. I bought the insurance for a United flight. Due to budget cuts and downsizing, we aren't allowed to take vacation during a black out period (my flight was scheduled during this time). Trying to get a hold of someone to read the fine print and send it to you was a job in and of itself. They direct you to an online portal where you have to know your policy number, however that isn't on your receipt. I asked for the fine print to be emailed, but a week later they sent an email saying I should receive my information in 7-10 days in the mail. I had to call them back again to get it emailed. However when I did get it, it says the insurance will cover if you have an unforeseen event including if you have to miss your trip due to an employer mandating you work during that time.