Travel Guard Reviews

We purchased Travel Guard insurance. Our flight was significantly delayed and we missed our connection. There were no more flights out and we had to stay overnight. After submitting documentation and receipts, Travel Guard denied our claim 100% and closed the claim. I would not purchase insurance from Travel Guard again.

If I could give them 0 stars, I would. They will take your money and will not cover you. Don't waste your money with these thieves! Run run run and don't let the AMOUNT of the ALLEGED COVERAGE FOOL YOU!

I had a good experience with Travel Guard overall. The coverage options were easy to understand, and purchasing the policy was straightforward. I had to contact customer support with a question, and they were helpful and clear. The claims process took some time, which was a bit frustrating, but everything was handled fairly in the end. I’d use them again for peace of mind when traveling.

I never write reviews. My experience with Travel Guard was so bad, I hope I can help someone else to not waste their money. They delay for weeks. You basically need to be the victim of a terrorist attack to get reimbursed. Read the fine print!!

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.

This company provides scam travel insurance. DO NOT BUY. Extreme case of consumer fraud. See the detailed description in the attachment (where the receipt goes). We notified Expedia (who sold the insurance) and Marriott (Property that was involved.) I am SHOCKED that Expedia would sell this insurance. We are also pursuing legal action and the NBC 5 local affiliate is evaluating coverage of the case (Read the detailed summary!).

A really bad company to insure your travel. I have twice sent in documentation that the claims Adjuster has now asked for 3 times. The process to have a claim processed is atrocious. People just don't appear to review attachments carefully, even when pertinent information is highlighted. This might be a ploy to have people like me give up on their claims.

What a rip off! I was offered cancellation protection for $3.52 when I booked Hampton Inn through Expedia. But they charged me $7.04 -- double -- when the transaction processed. When I called Travel Guard they said it was a per-day charge -- even though our stay is only for one night! AND they said I would have to argue with Expedia, but Expedia told me I had to argue with Travel Guard. What a racket! Adding insult to injury, when I went back to Expedia to review the promised travel insurance charge, the hotel rate came up $100 less per night! So of course I wanted to use the cancellation policy to cancel the original reservation and rebook at the lower rate. But Travel Guard said they couldn't confirm that I was able to do that and would -- you guessed it -- have to take it up with Expedia. OMG. Now I'm exhausted as well as disgusted. Never again.

Stay away, rip off. Scam. They don't pay out and make it impossible to get your money. Attorney General needs to look at this company. Don't bother, just wipe yourself and flush. Don't bother with this group.

Travel Guard is worthless as a travel insurance company. I wanted to go to India, but I was born in Pakistan (I'm a regular ** American male; my parents were working in Pakistan for two years in the 1950s), so the Indian government didn't grant me a visa until eight days after I would have returned from my trip. India and Pakistan have been in a low-grade war situation for decades.

We purchased the deluxe plan from Travel Guard for our Rhine river cruise for this September. Our river cruise company, Viking cancelled our cruise due to the delay of construction of the ship. Travelguard AIG has denied our claim for reimbursement of our travel insurance plan premium for $1,634.94. We did get a full reimbursement from the cruise line. We would never advise using this company.

AIG Travel Guard's processing practices are not compatible to other companies. My experience was cumbersome and lengthy. Documentation was excessive and files were not monitored closely causing the insured to resubmit requested paperwork. Each time new documents were submitted a full 10 business days was at play and I, the insured would initiate 50% of the follow up on the claim. It took 2 months to process my claim. I do not recommend this company.

I was planning a trip to new york and got travel insurance just in case anything happened and I could not go on it. I have used travel insurance for all my trips and if put in I got some money back. This time they denied my claim as I lost my passport and I couldn't get a real id in time. (My passport would be coming from overseas.) I contacted the the claims department and even a supervisor. Still nothing. Now I am $450 out of pocket. With the price of everything these days I could of used it. That was just the for the hotel. I got a credit with the airline.

This company is a complete fraud!! They take your money and fight you, when you have a legit claim, example Hospitalizations! I had an scheduled vacation early July! I separately purchase travel insurance for my hotel stay/car rental. And also purchased with AIG for my plane tickets, I got sick and the travel day I was hospitalized! Unable to travel! They refused my claim because I had purchased insurance with different company for my hotel stay and car rental. For the plane tickets I was charge a cancellation fee, that’s where AIG should’ve come in. Terrible.

I purchased AIG Travel Guard Insurance prior to a trip to the UK. Our departure was delayed, and my mother died. Both events were covered by my plan. I have submitted a claim, and made multiple phone calls and sent emails. The call centre says someone will return my call, no one does. My emails go unanswered, and even though I had tracking and know my claim was received, they will not acknowledge it. It is over a month now, and I don't know what to do - I would not recommend using AIG for your travel insurance.

HORRIBLE experience. Only covered one flight, not even the whole roundtrip. I have done all the reaching out. I have not spoke to not one adjuster. They say they are going to reach out to me and have him call me back. No one calls me back but yet and still they tell me the notes show that he called me. How about maybe your employee is lying? There is no customer service for this company. Every time I call I speak with the same person who switched her name. The whole company is a joke. I would NOT recommend. It feels like a poverty insurance company or either a scam. If I paid for trip insurance why does it only cover ONE half of the flight cost? Why have I not spoke to my adjuster whatsoever??? The adjuster usually is the first point of contact. No one is trying to help. The entire claim was $600 (all expenses) and they only are paying out $277. No explanation, no customer service.

AIG travel insurance through Expedia is a total scam. There are restrictions in the fine print that pretty much bail them out of their so called covered events. I was laid off from my job so I had to cancel a vacation. They managed to weasel their way out of it after 15-20 days of decision making. Congrats AIG- You scammed someone who just lost their job. Bravo.

I don't think it's a good insurance company. Its insurance policy is limited and underhanded. It's no coincidence that there are so many dissatisfied customers. You feel like you've been scammed. I don't recommended.

This travel insurance was purchased in good faith, thinking that if something had to happen with a trip to Alaska that we would be reimbursed…. No such luck. We don’t fit the parameters of what would get us a refund. I continue to reach out to corporate and at this point I’m not even getting responses. This company is a joke. I will continue to speak to email, yell at anyone that will listen.

DELAY, DENY, and DEFEND. We traveled for 6 months and purchased Travel Guard insurance for the whole trip. We spent thousands but had used them last year with good results. NOT so this year. Due to a serious illness followed by a death in the family our trip was disrupted more than once. We returned from our trip on April 22 and within a few weeks we filed multiple claims. Today is July 31st and, as far we know, not a single claim has been paid. At least 20 emails so far asking for additional information, we responded to every one. They ask for info to be submitted online but we get errors accessing the site and NO ONE in 20-plus phone calls has been able to fix this. And it gets worse…

I purchased travel insurance from AIG Travel Guard insurance for two separate trips through Expedia. As luck would have it, I had a heart attack 2 weeks before the first trip and then a cancer diagnosis with immediate treatment scheduled just before the second trip. AIG agent Ayinde ** was assigned both times. All he did was delay, delay and delay. Won’t answer phone calls, won’t connect you to anyone in leadership. I ran circles for over 60 days on each claim. I’ve submitted and resubmitted documentation. I’ve asked to speak to the claims adjuster’s supervisor only to be told they did not know who his supervisor was. The first claim was only half paid due to an upgrade on the hotel (created a different itinerary number) and the second claim is still pending. Terrible company at a time when I was in medical crisis and did not need this added stress. DO NOT USE AIG Travel Guard!

I missed the flight because I got ill. I submitted proof of the medical issue with my claim. The insurance declined the claim with so many policies and exclusions. So disappointed. Will never buy this insurance again.

Zero stars. Family member was hospitalized, AIG wanted too much personal information from the doctor. I will not ever purchase this insurance again. It’s seemed like the thing to do at a time, due to the low cost for insurance. Lesson learned. Always purchase travel with a way to cancel other than insurance. Don’t waste your money or time with this business.

I purchased insurance from Travel Guard for a two month international trip. The cost was $6,800. I later needed to cancel and reschedule my trip because of a change of plans. I was told that a refund was not possible because the request was made more than 15 days after purchase, but I would receive a travel voucher for a future trip. I later rescheduled the trip and used the voucher to purchase insurance for a modified trip, with the cost being $5,300. I presumed that the remaining $1,500 would be made available for a future trip, but NO - the voucher can only be used once and the unused amount is forfeited! I believe that I have been scammed out of that amount by a predatory company. I do not recommend anyone purchase travel insurance from Travel Guard. (NOTE: I did not need to file a claim, and so cannot comment on their claim process.)

We have used AIG for our trip insurance for two separate trips. In both cases, we submitted claims and were rejected. The first trip was a cruise down the Nile. Just before our trip, war broke out in the Middle East. Travel to Egypt was not recommended. We felt unsafe. We attempted to cancel our trip and submitted a claim. AIG told us that "war is not an acceptable reason" for cancelling our trip. War is not acceptable?! We were denied. Luckily, the travel agency allowed us to book another cruise at a later date to another part of the world.

I booked my hotel reservation for my daughter’s graduate school graduation in Pennsylvania in May 2025 well in advance and purchased the insurance in case anything happened that would result in a change of plans. The university notified us about 1 week before graduation with time changes. Because the graduation was pushed back four hours, we no longer needed to stay overnight the night before. Hotels.com did not refund us (as expected). So I filed my claim, after not receiving an acknowledgment I followed up and AIG Insurance said they needed evidence that we purchased the insurance. I submitted the email confirmation of the purchase and waited weeks, no word.

My refund was denied first because I had to switch dates due to my university not having a summer commencement (I showed proof of my graduation date being in August, but the university stating that the commencement was in December, not on the regular graduation date for other terms). When attending events in the town, you have to book far ahead or you won't get a room; I wasn't even able to modify my reservation date. Right after I booked the room, however, I found that my mom had been diagnosed with cancer and would be going through chemotherapy, for which I got FMLA from my work so I could help take care of her.

Do NOT use Travel Guard... They are crooks. We just booked a roundtrip flight on Breeze Airways for four people and decided to purchase the trip protection insurance offered on the Breeze website, which is thru Travel Guard. Big mistake. After buying it, I decided to look at the reviews and saw that the vast majority were terrible.... People with legitimate reasons for requesting a refund were either denied or given the runaround and blown off.

DO NOT USE! Purchased for an international trip in Nov 2025 & needed to cancel the trip in July 2025. I thought I secured my money by purchasing the trip protection plan. They lie to get your money then deny your claim. They give you false hope that the check will be in the mail then denied your claim. Terrible business.

Extremely Disappointed – Avoid This Travel Insurance Provider. I purchased travel insurance expecting it to provide peace of mind in case something went wrong with my trip. Well, my flight was canceled due to the war-related conflict between Israel and Iran—a serious and unexpected situation completely outside of my control. I filed a claim, thinking this is exactly the type of situation insurance is meant to help with.

I purchased AIG Travel Guard through Expedia. 12 hours before flight time my father passed away. We were able to defer our airfare but the hotel would not refund or postpone our stay. It was almost $1900 for the hotel. I filed a claim through the website. It was relatively easy. I called AIG twice with questions and they were very helpful both times. It took less than 6 weeks and we received the entire hotel money back. I am so pleased with this company, their kindness and guidance was much needed during such a stressful time.

I made reservations on Dec 31st through Expedia for a hotel stay over the 4th of July weekend in WI. I've stayed there several times for the same event and didn't think anything of it, but this year I booked well in advance to make sure I had a room. I was surprised that there was no cancel at any time clause when I booked, so I decided to add insurance through AIG, via Expedia. It was $15 and I considered it to be reasonable if something should require me to make different plans. In April I had a friend ask if I booked and I said yes, but I would look to see if other rooms were still available for the same dates. I was surprised that rooms were still available, but now they were indeed, "cancel at any time". So as fate would have it, I was forced to retire and with the lost of wages, decided it would be best to cancel the trip and in doing so looked into what I needed to do to file a claim with AIG.

I strongly advise against using this company for travel insurance. I submitted a legitimate claim for a trip disruption, and the experience was extremely frustrating. They requested an unreasonable number of documents, making it nearly impossible to complete the claim process. It felt like they were doing everything they could to avoid paying. Very disappointing service.

Total scam, never use them, we bought United Airlines ticket as emergency and this Travel Guard bundled up on United website so we bought it, we cancelled the trip within 24 hours, thinking Travel Guard insurance will cancel automatically since there is nothing they are covering. Totally gone, their excuse that they don't have an access when tickets are canceled, regardless of all documents we showed them, they declined refunding us our money back. They are greedy people, rude responses, no faithfulness in what they do, just after the money and poor customer service. never use them especially after I read all these bad reviews about them. I'm sure people tell the truth about this greedy, failing company.

Needed to reschedule trip due to emergency surgery. Would not refund or reschedule. Bought early but then considered coverage as day of purchase 11/23, not the day of trip, 6/25. Needed to be within a year and same destination which was fine but medical reason was a year from purchase. There was no way purchasing 11/23 would meet the year requirement. Never got copy of policy. Do not use them.

I bought my ticket to Brazil and two days before my flight I got sick and went to an Urgent Care and was diagnosed with Covid. Right away I called Travelocity to cancel my flight and book another flight. Luckily, my ticket allowed changes and I paid 70.00 extra. Well, I called AIG to try to change the insurance for my next flight and they said that was not allowed but that I could file a trip cancellation. I submitted a claim with all the documentation and they denied my claim even though all I was asking was the 70.00 difference.

I am very disappointed in AIG. My flight was cancelled 18 hours before departure and it cost me $600 to book an alternative flight on another airline. This should have been covered under the Interruption of Benefits clause but I was told that this clause was no longer in effect because my flight was cancelled. This makes no sense! I would not recommend AIG to anyone!

I got their insurance through Expedia, at the time of purchasing, it doesn’t tell you much, it makes you feel you will get helped. It was an automatic bundled package. AIG is Extremely hard to work with, their refund policies are super hard to meet. Total a waste of money!

I purchased the insurance because I sometimes get called in to work because of emergency breakdown can cost thousands of dollars. Scheduled a trip to Memphis and got a room for one night at Westin Beale Street. Thursday night a compressor went down leaving about 10,000 without gas so had to cancel my trip. These ** denied my claim. If you read fine print they have wording to deny any claim. DON'T WASTE YOUR MONEY!!!

Do NOT purchase AIG Travel Guard Insurance, which I unfortunately purchased for my trip to visit my aunt in Canada, who had just been diagnosed with cancer! Their ad on the Expedia, claims that they will pay in full all costs for a cancelled flight. AFTER paying the $61 cost of insurance, AIG sent a 31-page policy, all in fine print, full of exclusions and requirements. If I had seen how few situations they cover, I would not have purchased the policy!

I purchased travel insurance for a trip to visit family in Lithuania. Two months before my travel, I was told by work I could not go. I was told by AIG to cancel my ticket with the airline itself. I think this is where it started going wrong. I canceled with the airline, as I was told by AIG, and now I've gone back to AIG for recompense for my canceled trip only to be asked for more paperwork justifying why I had to cancel my trip. I think I am now 2 months into submitting more paperwork for them to keep rejecting over and over. Run, run, run from this company or you are just giving your money away.

If you plan on flying anytime soon, then this is a must read! I purchased a round trip United Airlines ticket from Virginia to California to visit my terminally ill uncle and added travel insurance through AIG Travel. When his condition worsened, I changed my flight, ultimately spending $1,775.33. Sadly, my uncle passed away before I could travel. I notified AIG of the situation and filed a claim.

We purchased the Travel Guard Insurance for our trip to Phoenix April 16 to the 18th for a doctor's appointment. We had to leave on the 17th due to my physician's request that we return home (which was three hours away) in case I developed any problems with the procedure I had done..When we filed a claim we were denied because we did not submit enough paperwork. I explained to the representative that was all that we had that I had received from the doctor. However, it wasn’t enough for these incompetent adjusters, and they denied our claim. I hope people will look at this and realize that these people at Travel Guard are very unprofessional and lack ethics and morals. I will also be contacting AARP and Expedia to voice my complaints and to alert others.

I recently had a trip from March 25-April 2 to Northern Canada for a hunting trip, visit the artic, and see the northern lights. I spent my time in remote areas that were not close to any towns or cities. I flew into yellow Knife in the Northwest territory and was supposed to spend a week traveling the artic by truck, snowmobile. After 5 days the weather did not allow travel, and we needed to head south do to wind, and extreme cold. I spent my time with the outfitter and a Native from the area, both claiming the weather was to dangerous to stay. To see the area I was please look it up on your favorite location app.

Due to a flat tire on a rental car that had no spare, we had to take a taxi from Ávila, Spain to the Madrid airport. The cost was almost $200. I filed a claim with Travel Guard for reimbursement. They did NOT cover it. Even though it was a trip interruption, they did NOT pay. Beware, Travel Guard is a ripoff. I will NOT use them again.

Worst travel insurance EVER, I purchased this travel insurance for a trip for my wife and 4 days before her trip she came down with a mental health illness. I filled out the necessary paperwork they sent me, it was reviewed and refused .. No compensation, basically bought the insurance for nothing .. Total scam.

This insurance is a scam and no matter your case they will reject refunding you your money. Do not trust these people. Please avoid at all cost. I filed for a claim with a legitimate reason for cancellation only a few days after booking and they made me cancel my flight just to deny my claim so now I am out of pocket over 300 dollars after paying them for the insurance.

This company provides travel insurance for Expedia, I thought we were covered... until we needed to change plans. Then they put us through an obstacle course to recover the travel costs. The company is basically non-responsive and hard to work with. For medical issues they insist on having notes from the doctor... and no doctor that I know is willing to stop what they're doing to fill out info for a patient asking for an insurance form to be filled out. So the hoops continue. As a result of this we will no longer purchase travel insurance on trips booked with Expedia, and by the way, Expedia did not even attempt to advocate on our behalf, they simply pointed us to AIG. Shameful, they should not sell the insurance if it's going to be this hard to use it.

This company is another fraudulent insurance company and scam. I booked the ticket for my minor kid with Travel Guard 100% guaranteed coverage on cancellation when I booked the flight ticket but cancelled later because of minor kids can't travel alone, submitting the claim was denied and they never ever pay on any situation. Customer service will tell, if you cancel the flight, we will cover your cost 100%, but after you cancel, they will ask you to submit the claim but never honor. All their customer service are well trained on how to dodge by not paying the money.

I had an appalling experience with AIG Travel Guard and its Claims Adjuster Angelina **. I purchased a travel policy for a trip to the Dominican Republic in January, 2025. Our trip was great. However, our return flight was cancelled due to weather conditions in the U.S. on January 10. We were required to stay in DR for an additional three nights, returning the US. 4 days late.

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!!!

I used them for cruise insurance. Very Bad experience with AIG. Claim was first off denied. They make it very difficult to file a claim. Refiled and got approval. When check finally came, I deposited it via mobile deposit. 2 days later my bank took back money due to insufficient funds in AIG account. I called their bank and it was verified. I contacted AIG and they blamed my bank, accused me of trying to cash the check twice. I told them it was on their side but they refused to believe that even after I told them I verified it with their OWN bank.

What if We explore reviews for this Company. It's stress to buy Travel Insurance from any Airlines ticket. They Will not refund for any unused Insurance even ticket was cancelled. So you can imagine for their claim. Please be aware when buying travel Insurance.

It was to be the dream trip of my retirement. I had put aside enough money for a trip to Switzerland and Italy, and as soon as I made the first payment on the trip, I bought a travel insurance policy from AIG. When my traveling companion became ill, we decided at the last minute that we had to cancel the trip. I immediately put in a claim with AIG. The claim process was terrible. Although I was given the names of two potential claim representatives, I could never contact either one of them. All I could do was send my communications to a generic “claimsdoc" email. I was never given any contact information, much less a phone number, and all I ever received from them was a series of computer-generated cut-and-paste emails in different fonts, vaguely referring to "enclosed" forms that were neither attached nor "enclosed." The anonymity of the process was nothing short of Kafka-esque.

AIG Travel Guard Insurance makes filing claims so difficult I am sure in order to have clients give up. For example, I filed a claim by filling out the entire claim form they provided only to have them come back with an additional list of requirements, some of which had been covered on the claim form. For example, I initially furnished a copy of an actual credit card receipt along with the bill marked "Paid" as required on the claim form and they came back to me requiring a copy of my bank or credit card statement as proof of payment..

We booked a trip and bought insurance. 19 days later, and 16 days before our trip, my husband lost his job. We provided all required documents and we were denied as they claim they only cover job loss after 30 days from booking the trip. This is ridiculous and the only reason it is in place is greed, plain and simple. They don’t care about you or your family. I am taking them to court. Job loss is job loss and deserves a refund.

I am a real retired traveling fool. The Boss and I cruise every year sometimes twice a year. We used AIG/Travel Guard for our entire trip. That means flights/hotels/shuttles/cruise ship, the whole Kitten-Kaboottle. We used AIG/Travel Guard with our trip to Greece/Italy/Spain. Well The cruise ship had NOROVIRUS on it, which caused the ship to delay the boarding for a day. Well, One cruise day lost at a cost of 602 dollars, had to pay extra day at hotel, buy a shuttle for 8 people, and buy breakfast /lunch/dinner/liquor which was all prepaid per day for the cruise. Celebrity cruise didn't care. But AIGTavel Guard did care. They covered all those expenses. However, I saved my receipts. As I said I travel a lot. Use a Credit card and save receipts. You have to give the Insurer something to work with.

Does not cover flight delays due to the airline.... Are you serious??? I thought that was common sense, so I purchased it. To think that this is a service that is linked by google too is a shame. You'll file a claim and they'll send you their terms and conditions which is law jargon that basically translates to, "We will pay only if a tornado destroys your plane with you in it." Don't fall for this scam, this is what's wrong with America.

I bought this travel insurance because they listed "100% refund on trip cancellation" with NO FINE PRINT to be seen anywhere. When we indeed did have to cancel one of our travelers, they refused to give me a refund for the airline ticket.

NIGHTMARE! To try and make a long nightmare short... AIG cancelled my mom's claim and mistook it for mine while she was out of the country, a family emergency occurred and I needed to book her a flight to return from Peru immediately but LATAM airlines would not help to cancel her original flight date until they could speak with the travel agent despite having all information for her flight (that day I learned just how much power a random travel agent could hold, this was the only one person representing this travel agency).

This is just a scam, literally. YOU WILL NOT GET ANY MONEY FROM THEM. Never again. Expedia should cancel any affiliation with them, I bought this insurance only because Expedia recommended and promise easy process to file a claim and return money. As result - no return for hotel, not even return for insurance itself. Complete scam.

I can only speak to the purchasing process which was hassle-free. The occasion to file a claim did not occur. The agents were professional and knowledgeable. The price and benefits offered were competitive.

Trying to contact them is a waste of time, there is a number listed, but the lady answering the phone can only “notify” the adjuster that we tried to contact him/her and the adjuster is supposed to return the call… which never happened.

Be ready to do your homework if you need to cancel. I had to have a drs note, have the dr fill out a form, cancel the flight and then I could start a claim. It's definitely hard work to get your money back even when you paid this company to make it less hassle. They also have several pages you have to fill out as well. So far it's taken my whole morning to just get the process started. Good luck if you have to cancel your trip.

This is my experience and my opinion. If could give this company a zero star I would. All the reviews stating this company is a scam are correct in my opinion based on my experience. I purchased trip cancellation/interruption insurance. I sustained an injury and Travel Guard (AIG) did absolutely nothing to help me, and they denied my claim after I provided all necessary information. My experience has led me to believe Travel Guard (AIG) designs their policies to fail their customers. I echo the previous posts who feel it's a scam, cash grab and an untrustworthy company. I think you should go elsewhere for travel insurance. I think this company sells cheap insurance to lure you in and then doesn't deliver in your time of need.

This was money not well spent. I will never recommend them and advise AARP to not use them as well. My brother passed away while I was in this trip who lives in another state. I'm not working his wife for a death certificate. I'm done with them. They have my money and the hotel has two extra days paid for.

Do not purchase travel insurance. They will deny you and tell you are not qualified. I provided them all documentation and they told me that my child was not covered. SMH! Had I known that they were going to screw me over, I would have not purchased insurance with them.

I LOST LOTS OF ITEMS FROM MY THREE SUITCASES. Someone stole lots of items from the suitcase. Three of my suitcase handle was broken and lock was broken when I travelled from India to Canada. I make a claim. They just played with us from last two months. They are cheater and fraud company. Please do not take their insurance. They are fraud and cheater.

They advertised that I would be completely covered for an additional charge. They got their money. Filed a claim and they found every reason under the sun to not pay! My wife was having complications from pregnancy and we did not feel safe to travel. Complete scam artist operation. If you’re looking for travel insurance please look elsewhere.

I had to cancel my travel plans after my office became understaffed. This bogus company would not accept the letter from my boss indicating why my travel plans were cancelled. I’m hoping someone will file a class action lawsuit against these crooks.

Do not buy any travel related insurance. Their approval process is basically designed to make you give up and walk away. Something as simple as their ticket cancellation insurance will require you to spend more money on notaries than you did on the ticket.

I'm extremely disappointed with the service I received from this company. Despite reaching out to their manager, it took over three weeks to receive a callback. Additionally, we purchased insurance for our bag, which was lost during our travels. Although it was eventually returned after we returned home. I strongly advise against purchasing from them if you're planning on flying back home from another destination. Since we didn't come back from where we first landed we didn't count for coverage.

Horrible Insurance, do not waste your money! They interpret any way to benefit them in not paying your claim. Purchase Insurance from them at your own risk and know you will be throwing money away. DO NOT USE THIS COMPANY!

I bought trip insurance with this company. Unfortunately my best friend got into a car accident, he is at the hospital in critical condition so I decided to stay and bring him and his family some support. When I requested my trip to be canceled I had to go through a tedious online process answering a whole bunch of questions, They even wanted me to upload hospital proof of illness. Really? I don't have access to my friends medical records, Please stay away of this Travel Guard thing. You pay insurance, you should get your refund right away.

I had a family emergency emerge but it didn’t qualify for coverage. The response I received was rude and very disregarding of my experience. Listen to what people are saying here - DO NOT USE AIG at all.

The following is my complaint to the BBB. As of today, AIG has not responded to the BBB. On 12/4/2023, I booked an all inclusive vacation package to Tulum, Mexico through Travelocity for my girlfriend and I from 4/1/2024 to 4/7/2024. I was offered a package protection plan through AIG Travel Guard which I paid $250.70 for. My total vacation cost including travel protection was $2285.67. Since, it was pretty costly, I thought it would be worth it to pay that extra $200+ just in case something prevented us from going on this trip. I was wrong. So, in early March, I received notice that my company was bought out by another company and I was to report to the new company on 3/18/24. So, basically if I wanted to keep my job, I was going to have to cancel the vacation because my PTO with the new company was going to be denied. I cancelled the vacation and filed a claim on 3/13/24 and supplied them with all the documentation they asked for.

I bought a Travel Guard policy to insure a 7 week trip covering Europe and Asia. From the very beginning, things went wrong. The airlines kept us waiting over 12 hours to finally cancel our flight. Meanwhile, charges are accruing at hotels in Europe, we're missing excursions, etc., with no word from when the Airlines might be able to get us out of town. We decided to abort the European portion of the trip, return home, and pick up in Asia for the final 4 weeks. Upon returning home, we filed a claim with Travel Guard for a total of ~$2400 (after paying over $600 for the policies). Needless to say, after 8 weeks of chasing them down, elevating our claim and sending in tons of documentation, we were denied on the basis of something in the "fine print" (that evidently took their people 8 weeks to find)!! This company is just a money grabber and I will NEVER buy travel insurance again. It's not worth it!!!

I purchased "trip protection" from Expedia while purchasing flights for my dad. I cancelled the flight purchased within an hour of buying it because he needed different dates. Both of the airlines refunded with no problem. I searched everywhere on Expedia to try to find how to cancel/refund the "trip protection" and couldn't find it. Finally I saw the email that was emailed to me for trip protection and I saw that it was through AIG Travel Guard. I tried contacting them through phone and then was directed to online chat. Because I had purchased the flight of my dad they would not speak to me any further. I also tried to put in a refund online and will wait and see if that ever pans out.

This company did not perform when we needed them. We had booked a trip to Israel/Egypt & bought insurance thru AIG Travel Guard. The Hamas terrorist invasion took place about 2 weeks prior to our trip & therefore our trip was cancelled. AIG did not reimburse us for our trip. There were a total of 42 people going on this trip. All 40 of the other travelers were reimbursed by their insurance group (Travelex Insurance Services). My husband & I were the only ones not reimbursed. DO NOT USE AIG TRAVEL GUARD under any circumstances. Their small print says they will reimburse for terrorism, but they did not.

Submitted a claim to reimburse flight for a cancelled cruise. Collected necessary documentation. Completed form online. Attached documentation. Emailed approximately a week later from claims adjuster asking for identical paperwork. Asked to speak with adjuster. Adjuster called me. During conversation it appeared she didn’t understand exactly what the claim was for, despite having paperwork in front of her. Within two hours later received email denying claim for an airline we didn’t submit a claim for. Spoke with customer service - again. He strongly recommended resubmitting paperwork after he reviewed paperwork with me on the phone. Waiting for next shoe to drop.

Save your money. Denied our claim, even though the package we purchased covered delayed flights, cancelled flights, etc. They denied our claim. American Airlines was horrible and we missed at flight and had to rent a vehicle due to them not having a flight out for us to return home for 3 days, leaving us stuck where we connected in Charlotte, NC. The rental vehicle was purchased at our expense and AA refused to reimburse our flight and rental after they said they would. No hotel vouchers, food vouchers, nothing was offered. Then insurance denied us as well. This company is useless. Avoid them at all costs!! They take your money, cause stress, loss of sleep and have zero customer service. I rate them right up there with American Airlines. They must have their employees write their reviews on their company website! Bottomline, they are WORTHLESS!

AIG will not refund if you cancel a flight. Only if it falls under what they have listed below. Such as terrorist attack, lost of Employment, etc. You have to read the fine print. They would not refund $401 for my stepson's cancelled flight.

Here are the real reviews about this service. Funny how you can’t write a google review or one on their website… I recently purchased insurance for a flight and had to cancel due to severe anxiety due to travel. When submitting my claim AIG said I didn’t qualify for a refund. I had a doctor's note stating I was unable to fly and have been recently medicated for my anxiety. However AIG doesn’t cover mental health related issues which is very sad considering how important mental health it. Please don’t waste your money like I did if you have flight anxiety and think this company will help you.

Consumers BEWARE of AIG/Travel Guard and Expedia for their misrepresentation on travel insurance cancellation policy. Average travelers make their reservations at least a month ahead of their departure and get insurance because of COVID. Did you know that AIG/Travel Guard in fine print has a 14 day limit on any cancellations. For most people they will probably not go through the two hour run around maze of cancelling their policy and getting their $16 refund back as I tried. Only to find out (in fine print) that it was nonrefundable after 14 days. This is clearly misrepresentation on AIG and Expedia part. Especially Expedia markets extensively on their 100% refund policy a few days before departure. I hope an attorney or someone will bring light to this massive fraud.

I purchased travel insurance through Travel Guard/AIG and they refuse to refund me for a flight that had to be rescheduled for return flight home. They denied my claim. No one called me to help me with the matter. I sent several emails to different affiliations with their company and they stated that they are not affiliated with Expedia. Please save your money and do not purchase travel insurance through Expedia, or this company you will not be refunded for any travel delays.

I purchased collision damage insurance via Expedia when renting a car recently. The insurance was provided by Travel Guard. While driving, I was side-swiped by a large truck making an illegal left hand turn, from the right lane. The car had $7000 worth of damage, which I am now responsible for because Travel Guard is denying the claim. They are requiring proof of travel more than 100 miles away from my residence, which was never stated on any prior documentation. There is no indication of this requirement on Expedia, in the correspondence I received from Travel Guard, and they even didn't mention it when I called the company immediately after the incident. Now, more than a month later, they are denying the claim because I do not have sufficient proof.

We purchased a policy with a travel agent for an international trip. The first problem was that the travel agent did not sell us the policy that we had discussed but sold us the policy that we currently have. This policy literally covers absolutely nothing and of course our claim was denied. Keep in mind we did not cancel because we wanted to, but were forced to due to one of our jobs. We asked to reschedule the trip and they refuse to speak to us, refuse to write to us in fact have provided no customer service at all. We have called numerous times, we have emailed numerous times, they fail to respond to all requests for information. I don't understand how a company like this stays in business. All of the negative reviews on here are very accurate. Warning to anybody looking to purchase travel insurance through them do your research!

Have been using AIG Travel Guard for years. I recommended them to friends going with me to Israel in October 2023. Fortunately for me I went with another company. AIG Travel Guard would not pay for my friends when they filed. My insurance company did pay me fully for my losses. I will never recommend or use AIG TG again. My friends got burned!!

I booked an airline ticket for our wedding anniversary to surprise wife and took travel insurance as I'm not sure if she can travel across the country being 8 month pregnant and after revealing the trip to her we decided to cancel the trip and claim the insurance. I went through the claim process and the claim analyst is not listening to our side of the story and just reading through the terms and conditions and saying that it is our mistake not to read the terms and conditions properly. Very disappointed with the claim analyst behavior.

Do not purchase from this company! The prior reviews are correct. They will take your money and deny your claim for no valid reason. Our trip from Dubai was interrupted because my husband had traveler's diarrhea and we had to board a later flight costing us additional fees. I filed a claim which they denied paying. Isn’t the purpose of the insurance to protect against unforeseen circumstances?

I specifically purchased travel insurance to cover tickets/everything, and of course I had to cancel my trip and this company will not reimburse me for the airline that won't give me credit/or refund. I will never use this company again and advise anyone wanting travel insurance to purchase separately through another company, not through Expedia like I did.

I would NEVER recommend TG. If you buy a policy and try to cancel you will never receive any cooperation or a refund from TG. I booked several flights on United Airlines and added travel guard policies at checkout. I canceled these 2 flights the next day and 1 the same day via United, assuming that because I booked both the flights and the policies through United, that they both would cancel, especially since it hadn't even been 24 hours.

Travel Guard insurance. Do not purchase travel guard insurance. If you have a claim they will not pay Even per their own policy. In July of last year, my wife was diagnosed with brain cancer and after surgeries and the start of chemotherapy. She wanted to take a trip to Mexico. When she was feeling better. To have peace of mind, I purchased travel guard insurance knowing that there was a possibility of her getting sick and not being able to make the trip. When her Doctor changed the medication for her chemotherapy, she was way too sick to make the trip. Even for travel guards, policy a change your medication. They still denied the claim, so if you have a pre-existing condition or handicap. Do not purchase travel gaurd insurance. You will have no peace of mind.

I purchased travel insurance through this company for my car rental in December 2023. It covered liability and accident, however, I had a scrape situation, where I hit the side of the car with a pole while I was trying to park. It caused $7000 in damage. That was covered, however, I found out that the diminution of value to the car caused by that accident was not covered by my insurance. As a result, they are asking for $6800 after the insurance has paid the claim. I have no coverage for this amount. I was shocked, I will never buy this insurance again. Also, it was very difficult to find the right phone number to contact to file the claim. There were numerous different companies referring me to other companies. It took several days before I figured it out.

We bought flight cancellation insurance for flights to Singapore to start a cruise with Cunard going through the Red Sea. The booking and insurance was done with Expedia through AIG. Claims seem to go through Travel Guard Canada. Cunard cancelled the cruise and promptly provided us with a complete refund. I called AIG twice to discuss the situation and confirm their insurance would cover the flight cancelation. They would not provide any definitive information until I fully cancelled the flight and declined a future credit with the airline company. I then filed for the insurance coverage and was promptly denied. Their arguments for refusal are tenuous at best. I would have at least had a credit for future use with the airline if they had been a bit more forthcoming with their questionable decisions. These were overseas flights and cost over $2,200 Cdn.

I have insured my travels to & throughout the EU & Baja for years. I just encountered how useless this money has always been: I have now experienced the same failure of the AIG/Travelguard to actually process claims in a timely, comprehensive and legally compliant manner. There is one legal term here that applies: BAD FAITH CLAIM ADJUDICATION. I will be reporting them to the appropriate entities in my state, as our AG is motivated to deal with consumer protection issues, that specifically include actions against travel insurance BAD FAITH.

During flight arrangements and purchases through United Airlines, I was transferred to their flight insurance department to insure my flight. Because I was going to a sketchy area, Israel, I was advised to purchase their Security Bundle in the obvious scenario that strife occurred I would be 'secure'. Well that couldn't be farther from the truth. War broke out while I was there, I followed all their protocol with their security team, and yet despite their expensive insurance, I was denied all coverage. It has been a long battle and I have been squeaking out bits and pieces of reimbursement as I keep pointing out holes in their arguments that security risks are not covered. This is a scam and should be reported to all agencies available: insurance commission; CFPB; BBB, including your state and federal representatives.

This company sells you insurance for flight interruption etc and they simply don’t pay. I had my flight interrupted. They make you difficult to file the claim. And they closed my case without notice and refused to pay.

I am owed a total of $275.00 from this company; $150.00 for delayed luggage and $125.00 for a prepaid, unused hotel room (due to rescheduling of a river cruise by the cruise company!). It’s been over 2 months and they have yet to provide me with any compensation! They keep asking for more and more documents which do not exist! A multi million dollar company should be able to shell out $275.00 but they refuse to do so. It is discouraging and frustrating! By far a complete waste of my money to have purchased from them to start with. Non existent customer service!

What a waste of money. I paid a premium of $800.00 for a January trip to Israel. My claim was for the $600.00 the travel agency kept as a trip cancellation fee. Who knew Hamas was going to attack Israel. I'm not going to endanger my family's safety. Isn't that a reason enough to cancel a trip but Travel Guard said that was an exclusion. Travel Guard would still have made a profit of $200.00 if they paid the claim but now they get to keep all of the premium. I sure despise Travel Guard. They're laughing all the way to the bank.

Booked a vacation of a lifetime with Viking Cruises through a travel agent who recommended we purchase travel insurance. She chose a policy with Travel Guard which we did purchase. Our flight was delayed 24 hours causing us to miss the boat in Amsterdam. Viking had booked our flights and they made several attempts for us to meet the boat at one of the ports of call. Unfortunately nothing worked out and we made the decision to cancel, since we felt confident we were covered with trip insurance. After filing the requested documents with Travel Guard, and waiting over 2 weeks, Travel Guard said they could only reimburse us 2K for a "trip delay". We paid 1K for the policy so essentially were got 1K for a trip we paid 19K for. We tried to appeal but the policy had so many loopholes we realized we were wasting our time. This trip that we never took has been a nightmare between Travel Guard and Viking. I will never purchase travel protection again.

We had a trip booked to Israel March 4-14, 2024, in June, and promptly insured the trip with Travel Guard. As a result of the terrorist attacks, the trip was cancelled, and the US State Department has given travel warnings for Israel. Both Delta and the travel company refunded all monies paid. Delta sent me an email offering a refund or travel voucher, whichever I preferred, and the tickets I purchased were non-refundable since I booked with insurance. Travel Guard has refused to reimburse any money paid for the policy because it was not cancelled within 15 days of the booked policy. WHO IN THE WORLD KNEW THAT HAMAS WAS GOING TO ATTACK ISRAEL??? This is a horrible way to treat customers, and I have used Travel Guard for many years but will NEVER book with them again for insurance. Lesson learned, Travel Guard cares more for their money than keeping customers. Very poor way of doing business, Travel Guard.

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.

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.

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.

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.

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.

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.

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.

[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.

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.

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.

My family and I were scheduled to go on a trip in May with friends. Wife and I had passports, but our kids did not. We applied for their passports in November of 2022. Trip was scheduled for May 2023. Daughter passport came with no problem. We received a letter from Dept. of State stating that there was an issue with son passport, the passport agent at Post Office didn't do something correctly. We let our travel agent know.

My wife and I booked a trip to Jamaica for October. We purchased insurance to become reimbursed on a non-refundable flight. We did this specifically in case my wife became pregnant. My wife did become pregnant, and the trip is not too long after the due date. We unfortunately have to cancel our trip. The resort was amazing to work with and we were reimbursed that portion of our trip easily. After submitting the process form including supporting documentation, the company requested a form from our provider. Slightly annoying, but we complied. We were then denied because pregnancy is not included in the coverage. Based on other reviews it seems like very little is. So it sounds to me like this is purely a money grab. Avoid at all costs because you'll likely never get reimbursed which makes the policy useless.

This company is a fraud. I will be contacting BBB. This company says they will reimburse you if you are unable to make it to your trip. They denied my claim and wouldn’t help me to get my money back. Scam!

Travel Guard (also known as AIG Travel) is little more than a scam. The wording of their policies is so restrictive that it's clearly an attempt to protect themselves from having to pay claims. To further discourage their customers, they make the claims process nearly impossible. For instance, in reply to my claim, they said they needed:

I bought this primary coverage as I am travelling for 4.5 months and wanted to be sure I was covered. Forbes.com recommended Travel Guard and AIG as one of their top 2 travel insurance companies, which says something negative about them too! So far 2.5 weeks since I submitted a single small claim along with the description and invoice, and not even an acknowledgment or a reply. When I call thier customer service which it claimed was open 24/7 there was a message to say I had to call back after 8.30 US East Coast time. When I called back it was clear I was not speaking to an East Coast based person. They told me that claims usually take 10-15 business days , but now take an unspecified amount of time longer due to demand. She could see I had submitted my claim, but was unable to say anything more.

Please do NOT waste your money on this travel insurance! We had to cancel our trip weeks before our departure date, and our money was not refunded. Even after calling twice and waiting for a manager who never came to the phone, they are keeping our money for a service which they are not providing. Disgusted.

I had a RT flight in June and purchased their Travel Guard insurance that stated very clearly that they would cover medical situations with proper documentation. I reached out to them days before my flight when I discovered that I would need a medical treatment from my doctor and that it would interfere with my flight plans. The insurance company told me that they would need proof by documentation from the doctor and that they would get back to me in a few weeks. They only did basic follow-up emails that stated they had received the documentation and were "reviewing" it.

BUYERS BEWARE!!! AIG Travel Guard is a scam. I had to cancel my flight due to work obligations at a new job and even though I gave them all documentation supporting this, I was not able to get my money refunded because my boss didn't "word it saying the time was approved before making my flights." Obviously I asked for the time off before making my flights but because my boss didn't word it that way I was denied. I had to jump through hoops and was still denied. This company is a scam and I will do everything I can to voice my truth and how I was duped out of my $1400. I am also in the process of filing this issue in small claims court as I have all email correspondence supporting this. DO NOT GET THIS INSURANCE!!!!

SCAM FRAUD COMPANY! This company brazenly and clearly advertised that their premium policy allows for a full refund cancelation for any reason within 72 hrs of boarding under their Travel Policy Plus program. Over a week before my flight - I called in 4 (FOUR) separate times to cancel my policy - specifically policy #**. I paid $1250 for a flight to Europe and $152 for premium insurance....These petty theft fraudsters operate out of the Philippines; when calling in to cancel my flight, they told me I couldn't cancel it in severely broken English. Even speaking to their "supervisor" it was like speaking to a wall, and they read the same script. Additionally, they wouldn't even provide me a refund of the $152 for the insurance. They are false advertising their coverage across travel booking platforms and not getting hit with any of the consequences as it's considered petty theft. RUN! STAY VERY FAR AWAY!

AVOID AIG for travel insurance at all costs. We wasted $700+ on a policy with AIG on a cruise. The company cancelled then disappeared with everyone’s money and they refused to refund money. We were grateful we’d purchased travel insurance but AIG refused to pay out any money on our policy. So now we’d lost $3000 in partial payments for our cruise and $700+ for a worthless policy with AIG. They’re a dishonest company who bend over backwards to avoid paying out any of the funds you paid them. AVOID AIG unless you have $700 you don’t mind flushing down the toilet. DISHONEST COMPANY!!! AVOID AIG!!!

My flight from MCO to PHL was delayed for an hour. As a result of the delay and a back up on the tarmac which caused an additional delay we reached PHL late. The PHL flight to LAS had not yet departed but we were told by Frontier "since we were late they gave our seats away". Frontier offered to put us on the next flight for 10 PM the next day almost 24 hours later. This was a weekend trip. I had to pay out of pocket for lodging for the night and a flight the next morning for 4 people. All of the expenses including meals were listed as refundable on the policy but AIG has refused time and again to pay the claim. Our flight was not delayed more than 3 hours.. DENIED. Also the policy list Missed Connection as a benefit claim option but conveniently for AIG it is not listed on the drop down as an option when you file your claim. So Trip Interruption and Trip Delay were selected as the 2 closest options which of course were DENIED. The adjuster Ayinde ** was rude and unprofessional!

Because of a hurricane here in central Florida, we had to reschedule our return home (Airports were closed for our destination.). The company kept requiring more and more documentation that we provided. It was never enough. I would never use this company again.

We have bought a policy to cover four tickets for our family going overseas. My wife work as a doctor and asked the sales agent if the policies cover work related cancellation since sometimes she need it back in the USA ASAP. The salesperson mentioned yes it’s cover. We went to our trip. Two days before the end of our trip we have to go back. We purchased new tickets and go back to the US for her work related emergency.

We booked a flight on Frontier Airlines from SLC to Dallas/Fort Worth, with a layover in Las Vegas. We had to be in Texas by 5:30 the next morning to take our daughter to the hospital for surgery in another city, and take care of her children. When they delayed the flight by two hours it meant we would miss our connecting flight in LV. There were no other flights that would get us there in time. Frontier refused to refund our fare because the delay was less than two hours, even though it caused us to miss our connecting flight.

I bought this insurance based on positive reviews, lesson learned, all the positive reviews come from people that did not have a claim and only because they liked the price. By the way it is impossible to leave a public review unless is positive in the company page. Don't be fooled, unless you have full documentation and less than the amount allowed you will not get paid and once the decision is made is final no revision no nothing, I got the same email declining my appeal 6 times. I got $43.40 per person after a 2 day delay in getting my luggage, any expense to reach a store is not considered, make sure you reach the $200.00 per person maximum allowed and have extra invoices also, send even your underwear and socks to the Hotel drycleaners (This is allowed).

For $67 in addition to my $980 airline ticket, it is a waste of money. Basically, only good for cancellation and leaves much to be desired for medical coverage when traveling internationally. Save your money and get a Chase Sapphire credit card that will cover you for cancellation for free! I tried to upgrade my coverage and it wasn’t possible since I had purchased it on the United website.

Rupali

I purchased this insurance through a travel agency. I paid several hundred for the policy. I changed destination and it was updated 3 months before the trip. They lost my car rental and had no transportation at the airport. AIG said they had no details of my trip. Was happy taking my money. Biggest mistake EVER. Waste of money and time was given an adjuster 4 requests for calls no response. Speak to someone you can't understand and refuse to let you talk to anyone. Was told they are too busy to talk to me. DON'T BUY IT.

I had to cancel my Vegas trip, I bought the insurance package that was supposed to cover the canceled trip at 100%. Been over 2 weeks, did not receive any updates. Finally called customer service. The first lady I spoke with couldn't resend me the email that was supposedly sent out 2 weeks ago. I called again and the guy I spoke with was finally able to send me my denial letter about my claim. I had to cancel my trips due to my babysitter not being able to watch my kids. According to their policy, my cancellation reason did not fall under their benefits. Ridiculous! The reason for insurance is to protect for all reasons. I guess it is my fault for booking with stupid Spirit Airlines and their dumb policy as well.

After using Travel Guard for over a decade with no problems, I have noticed a significant change in this company. Not only are they making it difficult to enter a claim (ex..requesting the same documents repeatedly, taking weeks and months to respond, etc) but they are refusing to pay as they had in the past. We had a purse snatching in Spain, for example, in April 2022 and spent hours of our trip at the police station making a report. This paperwork and documentation on the costs of the valuable items (iPhone, prescription glasses, AirPods) original and replacement costs should have been sufficient to make this claim but it took almost a year to get half the amount. Clearly, from their requests for the same paperwork every 4-6 weeks, the company hoped we would give up on the claim. What should have been simple and easy was ongoing and not satisfactory.

Back in 2022, Travel Guard was rated higher than now and someone helped me on the phone with policy questions. Move to today. Called - could not understand the person - they were of no help whatsoever. Could not answer even the most basic question about the policy. I will not use Travel Guard again.

AIG/Travel Guard are completely worthless and a waste of money. I spent over $400.00 on insurance in case of delays and lost baggage on a golf trip to Scotland. It took me over four months to get e letter for BA concerning my canceled flight from the so I could even submit my claim. I never got a copy of my policy but after submitting two cab rides, two hotel rooms, and a couple of meals, they said my maximum claim was only $100.00 a day per person. So $400.00 for the insurance and $770 pound in expenses and I got $200.00.

I bought travel insurance through the Airline (Spirit), and it was with Travel Guard. Got sick, Airline rules say I couldn't fly. Filed a claim with supporting paperwork. Went to check on my claim and of course, their system says they cannot find my name of claim number. This is what insurance Companies do - you file a claim and then they pretend they cannot find you in the system, so it never gets paid. You are just throwing your money away with travel insurance, you won't get paid.

I booked two Suncountry airline tickets for my grand daughter and I. Prior to our trip my mom fell ill and needed 24/7 care. I needed to cancel to take care of my mom. My mom’s doctor wrote a letter of her needing this care and that I was a necessary care provider. I submitted the doctors letter along with itinerary and payment. Suncountry gave me a voucher for partial of the ticket cost. I submitted the rest to Travel Guard. During the time of what would have been my travel my mom was put on hospice. I received a request from Travel Guard for more information. After my mom passed away I sent them the original doctors letter, the credit card info, etc along with the obituary. They sent their condolences and then later sent attachments for the doctors form to fill out and the hippa form. I’m not going to waste the doctors time on looking up dates etc, and who is suppose to sign the release of information form? What?

During my over two decades of active travels, I have never come across such a hopeless organization that does not see what customer has submitted for claim, does not see what email customer has sent even though their automatic system is quickly acknowledging and confirming receipt of email. It is over 10 weeks with at least 5 email and 3 phone contacts to them, but of no avail.

Please don't buy this product, they will firstly drag their feet for months, the customer service is horrendous and they will tell you, "Oh we are busy right now, we will call you back." NOTHING. My claim was denied with some clause that no one would understand, don't bother with this company, such a scam - the government should make companies like this illegal.

Very expensive tour was canceled due to civil unrest in destination country. Tour company was refunded my total costs but insurance isn't eligible for refund. I was offered a "voucher" for future travel for $138 less than what I paid. What value was received for that money? Trip insurance without a trip seems like stolen money.

We purchase the AIG Travel Guard insurance to cover domestic flight insurance for a 12/23/22 to 1/2/23 vacation. American Airlines delayed our flight 3 times and eventually cancelled our flight. We contact AIG for help while in the Phoenix, AZ airport. They provided no help saying it "was Christmas." So we worked on making other flight provisions on our own. We eventually flew with United Airlines, arriving in Florida a day late, but still in time to board our family Caribbean Christmas Cruise.

I have been waiting about six months for reimbursement from this company for a flight cancellation I had to make due to having spine surgery. Their tactic is delay, delay, delay and hope we go away. I am filing a class action suit against AIG and Travel Guard. If you have been mistreated by this company please contact me and you can join the class action. We don't pay anything. The attorneys do the work. We need to punish these people. Contact me at through Facebook messenger. Gary ** Dallas

My wife passed away Aug 20, 2022, a few days before leaving on a trip. I filed a claim with Travelguard and provided the necessary documentation. I was advised a check would be mailed 15-21 days after the claim was reviewed. An assessor wasn't assigned to the claim for three months. I suppose they were waiting for me to go away or die. He required me to send the same documents I'd already sent. I eventually did receive the amount I was entitled to but dragging it out that long makes AIG's integrity questionable. I can't speak for the quality of travel insurance from other providers but I can't imagine the experience could be worse.