Travel Guard Reviews

I purchased protection for a flight and had an severe illness just beforehand. A family member had also tested positive for Covid-19 so I had to cancel beforehand. They considered me as “not having an illness” (their words) because I wasn’t hospitalized, and refused to reimburse me for my flight. I’ll never use this again, and would recommend others don’t as well.

I presently have three pending claims with AIG Travel Guard. Two are from a trip in May, 2022 for a relatively small medical claim and the other for delayed baggage. This is being written in January, 2023. AIG sends repeated requests for documentation, including demands for documents that are not listed in the policy—or even exist. They send an e-mail like clockwork every month saying that they need more time to review my claim. I have a much larger claim for trip interruption and medical expenses from an accident in Vietnam in November, 2022.

Travel Guard insurance under the umbrellas of AIG is a scam. They will not reimburse your travel expenses. They will not communicate outside auto emails sent. After filing a claim Oct 31st 2022 and waiting until Jan 5th 2023 I was forced to go to BBB. I have over 30 emails sent and over 42 phone calls on record attempting to communicate. DO NOT purchase insurance with them. They WILL NOT communicate or reimburse.

It amazes me that Travel Guard Group Insurance of AIG has an A+ rating with the Wisconsin BBB after reading many bad reviews and filing a claim with Travel Guard. Below is the final complaint I filed with my state Insurance Commissioner:

Filed a claim for lost luggage, filed online and received notification that claim was received and should take 10-15 business days. Waiting 2 months and no contact from Travel Guard. Called 3 times, waste of time, just got the run around. Still no status on my claim. Horrible service.

Word to the wise. If anyone is travelling in the future and booking a flight or Hotel through Orbitz or Expedia, PLEASE DO NOT PURCHASE TRAVEL INSURANCE. it is a rip off. I cancelled a trip over a month ago and they refuse to reimburse me my hotel costs. I have written to FTC, Government and other representatives regarding their bad faith practices. It is time we put these insurance companies out of business and stop them from ripping off Consumers.

I had a trip from hell about 6 months ago, major delays both outbound and return. Travel Guard paid both, with interest. They are still very backed up from covid claims, but were professional and helpful any time I contacted them for status.

I have purchased a trip cancellation insurance with Travel Guard Canada just in case something goes wrong and I won't be able to travel. My flight was booked on November 1st and I happened to badly twist my ankle on October 29. I submitted trip cancellation request the very next day including travel policy number and all other related information. I have received a response that the review will take 10-14 days. A MONTH LATER I finally got a reply with request for more forms and paperwork.

They say their claim processing is 10-15 days. After multiple emails and phone calls I am at day 49 and still have not been renumerated under the terms and conditions of the contract. DO NOT WASTE YOUR MONEY!

Booked a tour of Italy for May 2023 1 year in advance, purchased trip insurance thru Travel Guard at the same time in May 2022. In September, the tour company informs me of significant additional charges for traveling solo (over 2K more). I cancel the tour, get refunded most of the prepayment. I call to cancel the trip insurance and I’m informed I had To cancel within 15 days of the effective date of the policy. The trip is scheduled a year out, and a lot can happen during that time, what kind of unfair business practice only allows 15 days to get a refund? This insurance is a scam, do not purchase.

My 19-year-old daughter who has an intellectual disability saved up her money from her job to fly to Florida and visit her cousin. Five days before the flight, her cousin was diagnosed with a malignant spinal cord neoplasm. Needless to say, my daughter wasn't able to go on her trip bc she had no one she could stay with. While I am not usually one who purchases travel insurance, I encouraged my daughter to just in case (it was only about $20 and she had worked so hard to save that money, you know?!). We sent in the medical documentation showing that it was a real diagnosis yet AIG is denying her claim. So now she is out not only the money she paid for her checked bag each way but also the seat reservation fee (since she was flying alone, having picked the seats helped her have less anxiety). If there was an option, I would upload both the email that AIG sent to us and my response back to them which I emailed shortly before writing this post.

We insured a trip to Africa with this poor excuse of a company. Our daughter, who was living with us temporarily prior to a move, was diagnosed with cancer. The treating physician indicated that it was likely she would need chemotherapy after surgery. As the hospital is over a 90 minute drive from our home and the proposed therapy would be taking place while we were supposed to be on vacation, we obviously needed to cancel the trip and be available to take our daughter to any medical appointments. We advised AIG of the cancellation and provided all needed documents requested.

Flight from Italy cancelled due to an unforeseen Air Traffic Controllers strike. I thought trip insurance was for unforeseen events. This is the second time "trip insurance" found a way to not pay this year. This industry should absolutely be investigated.

This is a scam - they evade paying legitimate claims. Our flight was cancelled to start trip delaying our vacation by over a day. They refused to give us compensation for that. There was 1 hour and 50 minutes to make our connection, but their loophole was that the trip needed to allow 2 hours for a connection. If that is the case - why did they agree to insure the trip? They knew what the connections were when they took (stole) our money. Scam. Do not buy.

I would like to alert people that Travel Guard cancels your policy the day after the flight takes place. Our event was canceled 10 days before we flew and I alerted them and their response was to CANCEL the policy. I tried several times to contact them and had over an hour calls with waits several times and the result was "Sorry, your policy is automatically canceled the day after the flight. There is n nothing we can do." I am an elderly woman, find filling out the online claim challenging, and received NO SUPPORT from their staff re telephone contacts. I would suggest avoiding this company. (You might want to look at Consumers Report list of the 10 airline insurance company they recommend.)

Travel Guard is rated as the worst Travel insurance nationwide, they manipulate ignorant customers and scam additional fees on their United airlines tickets. They're managed by a unqualified managers.

Travel Guard Insurance Canada (TGI) has willfully misguided public consumers (including me) with their insurance policy claims. TGI has failed to reimburse a basic COVID claim, following months of back and forth correspondence, as well as endless bureaucratic forms and customer service delays. This company clearly profiteers on their poor service model by manipulating claimants with endless run-arounds and intentionally convoluted legal jargon. This is a predatory firm and should be held accountable in a court of law.

I purchased AIG Hotel Booking Protection Plus for a hotel reservation in South Africa booked on Orbitz. The insurance policy said I should file a claim if delayed by a natural disaster that delays our travel by more than 5 hours. A storm that hit Dulles airport in July 2022 delayed our travel to South Africa by two days. Orbitz could not get our reservation fee reimbursed. AIG took weeks to respond to our claim, and then denied the claim. All attempts have failed to contact AIG by phone and email to follow up when at face value the policy should cover our extra expenses for the two day delay and cancellation. I would strongly discourage others from purchasing this insurance.

On June 22, 2022 I accidentally left a smaller piece of luggage on a fast train traveling from Naples to Rome, Italy. I did not notice the missing bag until later that evening when getting ready for bed. The next day we traveled back to the USA. Upon returning home, I immediately gathered all necessary required documentation including train ticket receipt/ airline tickets/ clothing receipts/ AIG proof of insurance and started my claim. It is now Aug. 23, 2022 and as of yet I have not received any compensation for this claim.

I submitted a claim for travel insurance after being stranded for some additional time in a foreign country due to a positive Covid test. I filled out the requested paperwork and submitted receipts only to find out AIG denying they had received anything and asking me to resubmit. They just pull stunts so they don't have to pay you.

Our trip was interrupted by Covid and when I called Travel Guard for help I was told “we’re so sorry” then basically said ‘let us know if you get home ok’. There was no offer for help other than a list of phone numbers for medical services. After we go ourselves home, we submitted a claim. They say it takes 10-15 days. It took more than 30 days and when they denied the claim, they said they only cover “fees and fines”. They said their policy doesn’t cover anything else. So, honestly, what good is it? I will never buy Travel Guard again and recommend the same for others.

I actively recommend against the use of any services provided by AIG Travel Guard or AIG in general. I booked round trip tickets from Newark, NJ to Manchester, UK in June. Tickets were booked through United Airlines but flights were provided by Air Canada. The trip had a single layover/transfer in Toronto each way. I experienced endless delays on the way there but still arrived 4 hours after the originally planned arrival time.

When my husband and I were forced to cancel our trip due to a last-minute city-wide mandate ceasing all travel for firefighters during the pandemic, AIG refused to cover us citing that only if he had been fired from his job would they cover it. This was a completely reasonable claim supported by evidence (an official letter) but were denied after several attempts. Shame on this company for treating any customer like this but especially our first responders!

Very disappointed! Travel Guard should be ashamed of their business actions. They clearly place their own greed above doing the right thing. 1.3 billion profit in Q4 of 2021 and they can't spare giving me my money back for a SERVICE NOT RENDERED. If you actually look at their policy payout and all the limitations in the policy, you'll see that they're basically just TAKING your money. Wish I read all 44 pages first.

They announce that they will return 100% of your money if you cancel the plane ticket, but what they do not describe to you is that to that happen, you basically have to die, and logically that is not going to happen to anyone, therefore what they do is steal your money....Conclusion...THEY ARE SCAMMERS....DO NOT BUY INSURANCE FROM THIS COMPANY.

AIG Travel Guard will not refund your premiums (after the date listed on your policy, which is 15 days after booking) even if the flight cancellation is due to the airline, and not you, cancelling your flight(s) or changing your flight dates, making it not possible to go on the trip. It does not address this situation at all in the policy, so uses the blanket cancellation date. Even though the change is through no fault of your own. Read the fine print for the policy you are purchasing if it is not specifically outlined in their policy, it is not covered.

For a recent trip to Europe we paid $1200.00 for a policy that we believed covered illness, etc. We were also told it would cover lost baggage. It doesn't. After 2 months of back and forth, we were told to use our homeowners insurance, which, of course had a higher deductible than the value of our items in our bag. We trusted our travel agency who sold us this policy. They should have mentioned this little caveat. We trusted Travel Guard. In both cases, this trust was misplaced. While Travel Guard happily took our money in its open palm, it fisted any monies it said it would give. Greed won. We lost. We will not use, nor will we recommend this company.

Web site says 10-15 business days to settle a claim. When I call, I'm told 4 weeks? I only have two simple claims: a 2day non refundable hotel stay and a short inexpensive non refundable flight. Ridiculous.

I purchased a trip through Expedia and then had to cancel the trip as the our dates of travel changed. I purchased travel insurance through this company and they refused to refund me the premium even after my trip was cancelled and the dates changed. So currently I paid over $400 in premium for insurance coverage for a trip that does not even exist.

YOU WILL LOSE TIME AND MONEY, GUARANTEED! AIG fraudulently represented insurance services that were not even any type of insurance but rather a scheme to defraud consumers. This violation of the Texas Deceptive Trade Act is specific in that AIG was and is representing that goods or services have sponsorship, approval, characteristics, ingredients, uses, benefits, or quantities they do not have. After a claim is filed the actual terms of the policy are revealed. In this case they were requiring a doctors’ visit and report for the claim I submitted. However this was never disclosed in advance in ANY of the literature. The “insurance” is simply marketed as Travel Insurance by ignorant travel agents who make recommendations without any training or licensing. Therefore, the product is fraudulent and deceptive on its very offering.

Someone should sue them. They deny all claims. Read small words. This company should be illegal. DON'T buy!! If you are a lawyer bring them to court. They scammed many people! Criminals! Criminals! Criminals!

You pay for a service, you would expect to get service!? Normally, yes; with this company NO WAY! They will jerk you around so much, make you jump through hoops, etc. and still not do anything or reimburse you for anything. You are better using a credit card that protects the consumer against FRAUD when you are making any type of reservations. I contacted my credit card company and put a stop to their (Travel Guard's and Expedia's) nonsense in a heartbeat. Never again will I use either of these groups. Check out reviews before you get sucked in!

Our flights got cancelled due to weather the first weekend in February. We had to rebook with another airline at a much more expensive rate, as our airline never rebooked us. It's now May, and I still haven't received a response. I've called Travel Guard multiple times and always get the same answer, it's under review. Today they did transfer me to the person supposedly reviewing my case, but to no surprise, my call was not answered, and said it would take approx 3 days to get a call back. I will never use Travel Guard again.

I signed up for the travel insurance. They declined my claim and after reading all the reasons for claims, my reason was not one of them. Not only do you have to go through all the hassle to prove a claim with documentation, but the small print seems to negate every reason. This is scam insurance. And will not cover any reason for cancelling a trip. This insurance company - AIG Travel Insurance are CROOKS!!!

A training was canceled resulting in accommodations being canceled. I had no choice but to cancel airline reservations. Travel Guard denied my claim. We were out just over $1500. I will never do business with Travel Guard again. They are limited in what they reimburse and even more limited in how they interpret your problem. If I could give them minus stars I would.

I had to give one star because apparently I couldn’t proceed with this without clicking on it. Honestly they should get negative stars! They are a complete joke. I had to cancel a trip back in January due to broken arm. Sent all the required forms in and have made a million calls to them with same nonsense responses. I even certified mail to make sure they received it because they kept saying there were missing documents!!! I emailed them stating I knew they received it because I had it signed for. This 10 to 15 day is all nonsense they never once got in touch with me and just know I was told by their representative that it is closed!!!! I still don’t have my money and it is now April!!! Their rude representative actually hung up on me!!! I will proceed further and never deal with them again and tell everyone I know that they are scammers!!!!

I took out Travel Guard insurance before a trip involving flights, a hotel, a land tour, and a cruise. An airline error caused me to be unable to board my first flight, and everything from that point on was cancelled. Travel Guard denied all my claims even though none of this was my fault, and when I asked for a refund for the premium, I was turned down. This purchase was a total waste of money and left me with uncompensated expenses. I will NEVER use this company again.

Opted in on this 'travel insurance' when booking a flight from Expedia. I believed that this protected me. It did not. What was not clear at the time of purchase was the onerous documentation needed to qualify for a refund of my ticket purchase. This in no way protects you as a consumer from unforeseen circumstances. The support staff are not empowered to make decisions and the best they can offer is to email you a link to web form that you already received with your Expedia confirmation email. Would not recommend.

In my opinion, the job of AIG Insurance company is to fool people. By offering them services, and when people have a real difficult situation that requires them to refuse or cancel a trip, your Claims Adjustor (in my case it's James **) will find 1000 "legitimate" reasons that at this particular moment the investment does not reimburse losses. I strongly recommend EVERYONE, who wants to lose time and money, be sure to buy THIS Insurance!

I was told over the phone that my claims would be honored and reimbursed. Then after hours of putting all the documentation together and filling out the millions of forms on forms on forms, I was emailed with the simple denial letter with no logical explanation as to why my claims were denied. I have suspicions that this entity is not on the up and up. Do your own research: Go to Google.com and type in "Travel Guard Lawsuit" and see what pops up. Also, I tried to post a review on Insuremytrip.com, but it seems they screen all their reviews and only post the good ones.

I bought my Lufthansa airline ticket and AIG insurance together in December of 2021 to spend Christmas in Hungary with friends and relatives. I canceled my trip the same day of my trip for having Covid19 symptoms, I was not able to get a refund! I filed a claim with AIG, Travel Guard company, they have been dragging the claim since December 23rd, 2021, every couple of weeks I get a new request for new documents! I already submitted documents 15 times, I also get tired of them asking, I decided to send all documents by mail to their office, Claims Department P.O. Box 47, Stevens Point, WI 54481-0047, Attn: Amanda **, Claims Adjuster

I had to cancel my flight since my company had to postpone the annual meeting due to COVID. AIG did not refund the cost of the trip because COVID is a pandemic and there is not “unforeseen”. That makes no sense. Won’t be using them anymore.

My Cruise was canceled out of Miami and my hotel room wasn't protected by this policy. I Lost 239.00 assuming that things that could happen, that are out of my control, would be. Live and learn but will never use them, again.

If you are in need of travel insurance I encourage you to look elsewhere. Please know that I filed my claim with AIG when I was unable to travel to Africa because of an inconclusive Covid-19 test result. 24 hours after the airline sent links to request a full airfare refund, I promptly used the airline’s link to request my refund and it was received about 48 hours later.

We bought travel insurance for a trip to the UK that was supposed to happen a few weeks ago. We bought from AIG specifically because they said they would pay if your trip was cancelled due to covid. We were worried about covid and the new omicron variant. One of my kids who was traveling with me on the trip tested positive and got covid right before we were supposed to go. She was double vaccinated. She was sick for days and had to quarantine. She didn't see a doctor because they won't let you unless you're dying. In addition, you can't get on a plane, particularly one for an overseas trip if you test positive whether you're sick or not.

I called to cancelled my trip, they said they did and filed a claim for me. But they never cancelled my trip at spirit airline which I later found and never covered anything for my claim. Worst experience of insurance purchase.

What is the point of this travel insurance policy since it doesn’t cover trip cancellation? They charged $1000 for insurance for family of 3. The cancellation would not cover waiting on negative COVID tests which take forever in London and the family is stuck in a hotel room waiting on COVID negative results and not able to see London. In anticipation of this, a cancellation was initiated by me. Travel Guard does not recognize this cancellation and rejected the claim. I strongly discourage people on Expedia and other travel sites to refrain from using AIG Travel Insurance. What a rip-off!!!

I purchased Travel Guard insurance through Expedia for my trip. Due to Covid and other issues, I had to cancel. As many customers have stated here, it was a complete waste of my time and money. I doubt that they pay out to any or very few people, even though insurance is purchased. What a racket. I would never bother with this again.

Bought travel insurance from them. Placed a claim for an event that is listed under the coverage. It's been 3 months. I am unable to get any kind of info regarding the case. I am sent from one company to another (being from QC it seems they subcontract it to another company, Global Excel, that it was never mentioned when the insurance was bought), from one agent to another. Hours of waiting on the phone to get ahold of an agent and every agent is transferring me to another one, which leads only to more hours on the phone waiting...if I don't get simply cut off. I will never ever buy anything from AIG / Travel Guard again and strongly advise anybody to review their options before doing so. Tony

Bought insurance for son's summer travel. On return home, his flights were either canceled or delayed. So severely that he was stuck in Chicago overnight (without any help from the airlines for a hotel voucher), and had to pay for his own meals and transportation to and from hotel/airport. My policy clearly states coverage is at 100% for delays or cancellations. I submitted all requested documents and screenshots of the airline notices pertaining to cancellations and delays and I'm STILL fighting to get answers from this insurance company about my refund. Travel was in August! Save your $ because this is a ripoff and you won't be protected anyway.

Delta Airlines canceled our flight to Roatan for no reason. I did get a 100% refund from them, but Travel Guard refused to refund my money! My brother was on the same flight, but used Allianz Travel Insurance. He was refunded 100% from Delta and Allianz. I will NEVER use Travel Guard again, and I'd encourage others to us Allianz.

My flight for postponed due to COVID. Since the new tickets were more expensive they wanted me to pay an upcharge - I received this (I kid you not) 14 days after my initial email. I promptly responded that I would rather cancel the policy. *16 days later* they responded saying my request was denied as they require 15 days notice to cancel. I hope they enjoy my money, and they'll never again enjoy my business. This is without exaggeration the worst customer service I've ever received from any company.

Our event was canceled because of Covid and we did not receive a refund. Every other airline, hotel and venue is working with people during this unprecedented time. For crying out loud this an INSURANCE company. It’s their job! Will never use again.

Don't waste your time paying extra. They make it very unreasonable to use what the service is for. I'm disappointed the Expedia would allow a service from crooks. I've tried their support and website.

Bought a policy. Our return trip was delayed months due to COVID factors. The airline had no problem rescheduling our flight but Travel Guard denied our claim related to the trip back because we did not fly back within seven days of our original booking date. The first claim specialist I spoke with didn't even know their policy had this language and encouraged me to file a claim. It was subsequently denied by a different claims specialist. It is clear that this company is more concerned with denying claims than in doing what is right.

Absolute waste of money. I tried to cancel recent trip to New Orleans because of hurricane IDA. AIG makes it VERY easy to sign up for the insurance, but such a hassle to actually file a claim that I ended up going to the hotel and airline direct and getting room refunded and flight credited. When trying to file my claim they ask for all kinds of proof of bad weather. They ask you to upload that proof with all kinds of other information. Are they serious!!! It was a major hurricane that hit Louisiana during the time I was scheduled to travel. If they need me to jump Thru hoops for something that obvious I can only imagine what it would be like for other reasons. Bottom line…. DO NOT waste money with this company. They will NEVER get another dollar of mine.

We have purchased a travel insurance while buying a ticket from Expedia that was labeled 100% cancelations fees refund. For some government unexpected rules our boarding was denied and they did not pay.

I wish that I had read the reviews from others before paying $19.00 for this insurance. It is nothing but another profit making scam for AIG and Travelocity or any of the other travel companies. I ended up with a travel voucher from the airline which I could have received without the insurance. The insurance leads you to believe that illness of a family member not involved in your flight can be a reason to cancel flight. To provide detailed medical/health information is required to file a claim and that is against patient privacy concerns. With the push of a key you can purchase this insurance but trying to file a claim is a major under-taking. I sincerely recommend that you contact the airline about their cancellation policy before buying this insurance.

I bought insurance for a trip to the Santa Barbara, CA area. We are two retired school teachers living on a retirement income. MY claim was for around 1400.00. Two or three days before the trip I hurt my feet with a first degree burn and had doctor documentation stating so. I submitted everything required and they said I didn't. I redid it again. Now today they say that I have no claim. MY feet were was burnt that I could not walk for three days and even now after a couple of weeks it is extremely hard to walk. This was a TOTAL WASTE OF MONEY. They said I had to be hurt while on the trip. So think about this. If you are in the hospital with a heart attack and can't go they will not pay you on this policy.

I was exposed to Covid-19 and became too ill to travel and definitely could not expose myself to other, so we had to cancel our trip to Texas for a wedding. The online claim form is long until you get close to the end, then it becomes a pain in the rear! You are expected to download a doctor's report, forms showing the costs you paid (OK), forms to show cancellation and any credits you may receive (OK) and then a description of reasons for cancellation (repetitive). I get everything ready to download to start my claim and receive a message that my files are over 2Mb and cannot be downloaded! Everything was for nothing! If you cannot download the forms, you cannot go any farther and you cannot file a claim. Tried calling but of course no answer or any help. This process is onerous and it is done by them on purpose to avoid having to pay! Stay Away!

On 7/2/21, I purchased a travel policy from them for a trip that I purchased from Costco to travel on 8/17/21. I wanted to increase my coverage and started calling them the last week in July. I tried multiple times on multiple numbers, each time holding between 30 minutes and 1 hour. No one ever answered the phone. Finally, on 8/8, I called the emergency number and someone did answer but they could not be of assistance. I emailed them at that time and although it was past the 15 days examination period, I wanted my money back. I could not imagine needing that insurance while I was out of the country and no one will answer the phone.

Purchases a ticket via Spirit Airline with Insurance, did NOT received confirmation email attempted to search for my via confirmation # given, response "OOOps something went wrong with your search." Got the same response multiple times for a week, My family had decided they may cancel the family get together because of the uptick in covid cases in Florida, however where we had planned to stay was pretty safe, while again attempted to confirm my flight with Spirit response again was "OOOps something went wrong no information found," called spirit, they were unable to confirm my flight,

I read the contract, thought I was protected, but my wife had a medical emergency and we had to cancel. We filed a claim with a letter from her doctor and they still denied us. Might as well light your money on fire if you opt for it. STAY AWAY!

Before purchasing this travel insurance and carefully reading their 16 page cancelation and refund policy I thought that it would help me protect my trip and recover any money spent if I needed to cancel my flight to unforeseen circumstances beyond my control as they had advertised. When something came up and I had to cancel my trip due to medical reasons I filed a claim online. I called them later that week. Waited on hold for over an hour, when someone finally did answer the phone they asked for all of my information and before I could even ask I single question related to my claim they hung up.

I purchased the insurance when I was buying tickets from Cheaptickets as my travel date was in 4 months. As COVID is increasing and we got health news that we might be at risk. I called them to see if I could cancel the flight and all they could do was read me back the policy and ask me to first cancel the flights and wait for them to review it. I should have read the reviews before getting the insurance. In addition to the flight cost, I wasted this insurance cost as well. Please be aware of the trap.

SCAMMERRRRSSSS! Even if you are well within your legal rights to be approved for a claim they will try to make you jump through so many hoops with bogus document requests, until the time to process your claim passes and then they can automatically deny you. Do yourself a favor. Don’t do business with this company! On any level, I did further research and found out people they are even making people with legitimate death claims suffer!

I'm writing to alert fellow travelers to read the fine print if purchasing travel insurance through Travel Guard, the travel insurance used by Expedia. Typically, purchasing this insurance is easy, having a claim approved is another matter. My wife had a passport issue which prevented us from traveling and due to bad advice from Expedia agents, canceled the trip 24 hours too late and were not allowed a refund from the hotel.

UNETHICAL AIG INSURANCE: I want to post this as a WARNING to those seeking to fly. Be cautious if you use flight insurance. AIG Insurance, a part of Travel Guard, is a deceptive company that cares nothing for its clients. A few months ago I had purchased flight insurance through Expedia. AIG Insurance was that company. I knew there was a chance that I would not be able to make the trip so I bought the insurance for such a situation. When I could not make the trip, the insurance company requested reasoning and evidence for why I could not make this flight. It was supplied. They returned with nothing but excuses. I countered back and received only attempts to justify their malicious practices.

This is what you get in your confirmation email: "All travel insurance refund requests must be submitted in writing within 15 days of the effective date of the policy, provided it is not past the original departure date and no claim has been initiated." I thought I could cancel within 15 days of my trip but nope... The effective date of the policy is NOT the same as the departure date... Did you know that? I didn't... I just assumed it was. Not being lured into that trap again.

Piss poor! My trip to Europe was cancelled by British Airways and Costco. Costco returned 100% of money, no questions asked. Was totally not our fault for cancellation. Travel Guard wants to give be a credit refund... $600. For what. I won't be using service again. I didn't cancel. The airline cancelled. Wtf?

I had very bad experience with AIG Travel Guard insurance. Whatever you present as an evidence that you qualify for a refund, they’ll always come back to you with a reason to not refund/reimburse you!

Tried to cancel tickets to Miami, due to civil unrest and spring break tried to get refund. Even though the reason we cancelled was a pre-populated reason on their claim site, they said it was not covered.

I booked an Alaskan cruise for Mid August on February 28th. For the 1st time ever I got insurance for $420. Eventually my cruise was cancelled. I tried for months to get a refund or credit for a future cruise. They told me that I needed to cancel by March 15th in order to get a refund or credit. At that time how was I to know that my trip would eventually be cancelled. The representative told me that if I take a trip and nothing happens you do not get a refund. I said I understand that but I never took a trip. She said there was pre trip coverage that they provided so that's why they are justified in keeping my money. What a ripoff.

I’ve used Travel Guard for more than 15 years. No more! During this pandemic I’ve had to contact them several times to change my trip insurance due to COVID travel restrictions and cancellations. Instead of giving me a full refund, as the cruise lines and tour companies are doing, they will only give you a credit voucher for future travel and the voucher is only good for two years. I used my first voucher on a local trip. The voucher was worth $300, but I only needed $100 coverage. You cannot get credit for any unused portion of the voucher. So, they are basically stealing $200 from me. I’ve complained to them, I’ve talked to managers, I’ve written to them... They just don’t care. I was a loyal customer. They have lost me for good.

This company is disgusting. They are more concerned about keeping their money than helping to stop the spread of Covid. I took out a policy before a ski trip this past December, and the day we were supposed to leave, we got word that my son had been exposed to Covid and we decided to quarantine. Of course, because we were symptom free, we could have gone and risked exposing everyone there, but we decided to do the right thing and cancel the trip.

I had bought a flight originally for 2/10/21 through Expedia (JetBlue airlines). I was forced to reschedule due to conflict in scheduling COVID-19 testing. I had never had an issue cancelling/rescheduling my flights (thus why I always buy flight insurance). Long story short, when I cancelled the original flight for 2/10, AIG (Travel Guard) denied my refund request. I don’t need another airline credit in the middle of a pandemic! I want my refund! They told me “anything related to Covid we do not refund”. What scumbags. Update your policy, there’s a nationwide pandemic!

I purchased 6 tickets through Expedia on Ethiopian Airlines in February 2020. The "Flight Protection Plan" was offered when finalizing the purchase. The cost was $72 per ticket for a total of $432. The wording, when purchasing, is deceptive and makes it seem as if any legitimate reason for canceling the trip is covered for 100% of the cost of the trip. The airline only gave a partial refund of our tickets. I submitted a claim to AIG to recover the $1800 that was not refunded by the airline. We canceled our travel plans because of the pandemic. AIG refused our claim and would not even refund us for the $432 we paid for the bogus insurance policy. Why is it worded specifically as "Flight Protection"? This is misleading. I'm aware there are many many angry customers and I will be looking into a class action lawsuit. This company needs to be sued so it cannot operate like this anymore.

I purchased 6 airline tickets through Spirit in Feb. 2020 which was prior to Covid issues for vacation in June. Obviously we had to cancel this due to lockdown and our resort not available to visitors. We rebooked for August with Spirit but ultimately had to cancel again. I filed a claim through Travel Guard and faxed 10 pages of their requirements. In October, after many calls to them, I was told they didn’t receive my claim although I had a claim number. I faxed all again. In Nov, I was denied!! Their reason was "fear of Covid" was not a valid reason and was not stated in their policy which I purchased. My advice...stay away from this terrible company. It is a scam!

It is a total rip off, they should be ashamed of themselves and it is essentially fraud. Don’t waste your money, as they will just deny your claim, give no reason at all for it and no recourse to get your money back.

I had a cruise canceled because of Covid-19. Travel Guard Insurance by AIG would not issue a refund or credit toward another cruise. Awful customer service. If you are planning a cruise please pick another insurance group. Travel Guard Insurance will take your money without insuring anything.

US insurers, by far the biggest thievery in the world! My travel policy 0**, taken for a Suffolk Skidaddlers club trip to Jackson Hole Wyoming Feb, 2019 was disrupted by the unfortunate death of my mother. I have taken this and policies every year previous to this for this trip with the expectation that I have a mother well into her 90's in reasonably good health up until a recent diagnosis of a lung tumor.

I booked a trip in January to go to Russia this December, before there were any COVID cases in the US. In September, cases were still on the rise and experts predicted it would get worse around the holidays (my trip was for mid December) so I decided the responsible thing to do was cancel. I was only provided a voucher and not a refund because this wasn't considered "unforeseen." I just looked today and my original flight was canceled as they're not allowing US residents into Russia due to COVID. AIG / Travel Guard is a total scam. Do not waste your money.

My trip to Mexico had to be cancelled due to my kids’ expiring passports. I was hoping to carry over the trip insurance but TravelGuard would not allow this because I don’t have a reschedule date. I would accept a credit but TravelGuard will not do this either. At the advice of Costco I submitted a claim which TravelGuard denied, because apparently a passport issue is not a covered event. I would not have expected this. I would take a refund for the insurance since I don’t have a trip to use it on, but I doubt TravelGuard will refund my money. So AIG TravelGuard is batting 0 for 4. I’m extremely upset and disappointed with the lack of empathy and compassion, and I will voice my displeasure.

In 2020 due to COVID country shutdowns we had to cancel travel where the country was closed. We had AIG Travel Guard anticipating this issue, with insurance where we were covered for any reason. Claim was filed in May, still pending in November. Claim response says "generally within 10 to 15 business day" I should be informed of my decision. Frequent follow ups with customer service are worthless, with the teams reiterating they are behind, and will process in order received. No commitment as to when they would respond.

I chose Travel Guard because of its past reputation, ease of doing business in the past and the fact that it was founded in my home state of Wisconsin (it felt good to support a homegrown product.) I can no longer recommend them or am I willing to do business with them. As with many of the other reviewers, I filed a claim many months ago. Our trip (four persons total) was in early March and was cut short due to the death of my mother.

I scheduled a trip to Banff Canada just before the pandemic. Travel to Canada was restricted when our travel date was nearing and we were unable to get into the Canada from the US. When this was explained to Travel Guard they stated we would have to cancel our reservation for them to look at the claim. We canceled our reservation and they denied our claim although their policy clearly states that "Sickness or Injury of an Insured, Traveling Companion or Family Member traveling with the Insured, which results in medically imposed travel restrictions."

I purchased their insurance back in April this year. My flight was cancelled by airline company. As a result, I had to stay in Canada for a while. However, they refused to reimburse any incurred hotel or accommodation costs. Not even a penny. This is from their email: "When a trip has been cancelled the coverage under the insurance policy ends." Excuse me? Does this mean your insurance put all risks on client side? How ridiculous!!!! Very dishonest company to deal with. Never buy this garbage insurance!!!

If you are thinking of buying insurance for your travel plans really consider it before you use AIG Travel Guard. VERY LONG (7 month and counting) story short, they are the most unresponsive and careless company I have ever dealt with. Below is a shortened version, because you'd need a whole bottle of wine for the long version, of how our experience with them has been so far.

My daughter had died due medical malpractice. My husband and I had been embroiled in a lawsuit over her death and all but one company had settled out of court. I was absolutely sick to my stomach over the situation as the decision to sue was not made lightly. We had elected not to go to trial with the remaining company thinking that a month long trial by jury would be agonizing. My husband was sent to California on a work trip and purchased a ticket for me to go with him to try to get away from it all for a time. He purchased AIG travel insurance for my ticket just in case.

It was a terrible decision to count on their flight insurance. All flights (in both directions), as well as all accommodations were canceled for our vacation, but AIG refused to cover the Travel Guard insurance I purchased. And they wouldn't give a refund on the payment I made for the flight insurance. So, I am out over $3,000. A total waste of money in a situation out of my control. I purchased the tickets and insurance in January, well before the Covid pandemic was known, but just wanted to make sure things were covered in case anything came up that might prevent us from going (such as the Covid pandemic). Would never count on them again and would highly recommend that anyone considering purchasing this to NOT DO IT!!!! It's a bad deal and they are a corrupt company, which doesn't care about their clients/customers at all. I feel completely used and ripped off. AIG SUCKS!

Refused to honor my claim for a hotel stay because I could not prove that my hotel was made “uninhabitable” by a hurricane. I provided news stories, weather reports etc and they stated I had to prove it with photos of the hotel that it was not usable during a hurricane. Please don’t waste your time or money on this “insurance”. It is 100% a scam.

It is encouraged to get the insurance when you purchase your flight, then you do... Then there was a huge spike on the virus and you can't fly with your kids because is not safe... You put a claim and it gets DENIED! So why pay these fees? Why go through this extra money, extra process, extra headache to be out MORE money!!!! What an embarrassment and truly bad experience. Horrible! NEVER EVER AGAIN!

There was a group of about 7 of us who planned to travel from Louisiana to Miami, Florida in August of 2020. Well after Florida stated that they would make people from Louisiana quarantine 14 days we canceled the trip. I also got laid off. My layoff was before the 30 days that they claim to cover. I sent in the letter that they asked and was denied because to them a lay off and termination is the same. The policy states, "d) the Insured or Traveling Companion (or, if the Insured is a Child, the Insured’s parent or legal guardian), is involuntarily terminated or laid off from their employment. The termination notice must occur at least 30 days after the Insured’s effective date of coverage. The employee must have been an active employee with the same employer for at least 1 year. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons;"

We planned a beach vacation, rented a house at Oak Island, NC. A hurricane hit the area several weeks before the start of our vacation. Due to the damaged roads etc., the local government closed area, only emergency personnel/construction was allowed in. We were told by the rental agency to file a claim. We filed a claim on 8/19. After two/three weeks we called to check on the status. We were told it will take six-eight weeks maybe longer. Apparently, you can't talk to the person processing your claim or a manager. The person answering the 800 number is the only person you can talk to and they only see what’s on the screen in front of them. It's very frustrating, sitting and waiting for the claim to be paid. No one cares at Travel Guard. I'm very disappointed with their services and will never get insurance from them in the future.

Do not waste your money on AIG Travel Guard Insurance. I purchased two International flights in Feb 2020, knowing that Covid may be a concern I paid for Travel Guard. My flight was cancelled, border to Germany was closed so US citizens were not allowed entry and my claim has been denied. Not once, but multiple times it has been denied. Every time I call back they say that the claim will be expedited to a specialist and I should hear something in 3-5 business days, but of course that does not happen. I'm wondering exactly what I paid for; isn't this supposed to be travel INSURANCE, to protect you from situations like this?

I purchased travel insurance with Travel Guard, when I purchased airline tickets through Expedia. I was going on a cruise so I needed the airline tickets, but unfortunately, my cruise was canceled due to the Covid Epidemic and the no cruise ban issued by the government. So I made a claim with Travel Guard on 5/9/20. I was supposed to travel on 8/30/20, I called multiple times to Travel Guard and they kept saying my claim is under review. They made a decision on 9/15/20 denying my claim. So I was out of $1200.00, I am so upset because if they made a decision earlier I could at least get a credit from the airlines but I got nothing!

I do not trust this company nor will I ever use them again. They declined our claim twice. Both times it took 8+ weeks to hear back. They are glad to take your money and then refuse to do anything with it. No regard for people. The pandemic is why they declined our claim. Basically told it was our fault for buying it with the thought we might need it. There needs to be a class action lawsuit!!

I put in a claim on June 24th after Air France cancelled our flight. Still haven’t heard anything, it’s now September. It does no good to call, and we’ve received no updates by email or otherwise. Horrible customer service. One star is generous for this company.

I booked a flight from the US to Italy through a travel agency and the flight was canceled in March 2020 because of the pandemic. I insured the flight with AIG travel. Here's my complaints:

I submitted a refund claim with AIG Travel Guard on May 1st 2020 for a trip a arranged in August 2019 and scheduled for May 2020. I acquired and paid for an AIG travel Guard Gold Insurance Plan. The international trip was cancelled due circumstances before our control due to the global pandemic, Covid 19, but AIG has refused to process my refund. It is now August 25, 2020 and AIG is continually request more and more information. They are a ripoff.

I had purchased AIG Travel insurance for my vacation to Costa Rica. Due to an emergency surgery I had to cancel my vacation. I went through the company I purchased the vacation from and they were awesome because I had almost all of the resorts cancel my reservation and give me a refund. A couple of resorts did not give me a refund and I had purchased the AIG Travel Insurance. It's been over two months and I keep getting emails asking me for refund receipts. After numerous emails back claiming there were no receipts because I didn't get a refund still nothing. So numerous emails and over two months I have no progress on getting my money back from this insurance company. DO NOT do business with this company. This complaint is being forwarded to the Wisconsin Attorney General's office.

Literally the absolute WORST experience I have ever had in my life dealing with a company. Literally not a single person will help over the phone and will do NOTHING due to covid. Crooks. Thieves. Do not ever buy their insurance. All they do is give you a runaround. I can only hope that people widen up and that this ludicrous and LYING company goes bankrupt. If I could give negative stars I would for how awful this company is. STAY AWAY!!!!

I purchased travel insurance through them through Expedia. I had to change a flight and there was an adjustment in cost. Filed a claim which my policy 100% covers such situations. Even after saying the claim was approved and will be settled, 4 months have passed and still not received payment. When you contact customer support "they tell you it's in processing" and can't provide an ETA. It's 2020 and a wire transfer is taking longer than "Philippides" in ancient Greek times delivering a message. That's because they have no intention on paying and keep you going in circles. Even the email they provide to submit claims doesn't work, a dubious way they get you to waste time. If you read this, believe me, I'm saving you a headache, migraine and stress, DO NOT USE TRAVELGUARD (AIG) IF YOU VALUE YOUR LIFE.

I purchased this travel insurance through Expedia and apparently Travelguard is not actually AIG, as they outsource the processing of claims to another company called AON Affinity. This is something I only found out after 4 months. Calling AIG directly is no help as they have no access to these claims. Even though the claims are not being processed by AIG, I would still never do business with them based on them partnering with AON. I opened two claims for hotels in Italy back in April that had to be canceled due to the corona virus. They are essentially the exact same claims, but just for different dates.

I filed a claim in February, on March travel due to accident, numerous calls and emails, the claim is still investigated, I send all requested information still reviewing information. I was to be paid in 4 weeks.

Submitted a claim in March of 2020 due to Colo/Rectal Cancer Surgery, kept submitting new forms Travel Guard requested. It is now August, 2020. No action, just excuses. A person buys travel insurance for a reason. This subsidiary of AIG is the WORST excuse for an insurance company I have ever encountered. DO NOT purchase travel insurance from Travel Guard. You will be very disappointed.

We cancelled a Grad City trip in early June because of Covid and we still haven’t received a refund. Only asking for impossible paperwork that I can’t produce and doesn’t exist like airline tickets etc. I sent them what I could get from grad city but they need to work harder in getting these refund processed! I certainly wouldn’t buy insurance again.

I had emergency major surgery and had to cancel my vacation trip. I had only put a deposit on this trip to that point. I filed March with the travel agents assistance. It took 5 months and countless calls, Faxes, Emails to finally get a check. At the 5th Month I reminding them that that this was cancelled because of emergency major surgery and that this has caused undue stress in having this claim go through. That is when they finally called me instead of me calling them. 5 MONTHS!!! It amazes me they have high rated reviews on other websites.

Would advise anyone looking to purchase travel insurance to avoid this company. Also avoid booking through Expedia, as neither has been helpful in resolving my claim. Flights have been cancelled due to pandemic. Tickets purchased directly from Norwegian Air were immediately reimbursed. My claim with AIG has been "pending" for nine weeks with no update.

I was so pleased to finally receive a refund check from them in July after waiting since April. I deposited the check. Today my bank informed me it has a stop payment on it and they charged me $12.00. They did not email me or call me with an explanation. $976.06!!!!

****DO NOT PURCHASE TRAVEL INSURANCE FROM AIG TRAVEL GUARD**** This is by far the WORST company EVER. They refused to return my money for a trip that was canceled because of Covid-19. I had to go thru my credit card company and now they will have to deal with them. The customer service reps, management, claims dept need to be completely shut down. After waiting almost 3 months for them to process my claim, only to be told lies, after lies, and more lies. I called to speak with a supervisor and the rep told me there are NO SUPERVISORS within the entire company, after she realized I was not going to give up, she put me on hold for about 12 mins.

They will do everything they can to avoid paying you back. They ask for the same documents months later. Every time you send them the document it takes few months to process. Then, few documents later (everytime you submit it takes months to process), they ask for same documents again!!! I still did not get my claim and I give up. That is their intention. Make it really difficult for you where you give up for the claims. I have all the emails as proof that they are avoiding.

AIG Travel insurance was purchased for our family trip. The trip was cancelled on us by the service providers (airline and hotel) so there was never anything to insure. AIG refuses to refund insurance premiums at a time when families need this money due to Covid. Just thinking about all the trips that were cancelled on customers by service providers and AIG laughs all the way to the bank because they didn't have to do a thing to collect this money. This is robbery. I hope I am part of the class action law suite that will eventually surface. I did not cancel my trip. I was not even able to take my trip which I would have if the service providers did not cancel. AIG is crooked and fraudulent.

Refuses to finalize paperwork and pay claim. I have called several times and provided all paperwork several times. The continue to push back about needing more time to review. I quickly received vehicle refund from other company but this company does not manage refunds well.

I contacted the company again and provided additional information and had to call about 3 other places and email that back to AIG Travel Guard; I was persistent but the staff did genuinely help me with providing good directions! It was a hassle, but eventually paid off and I appreciated that there was more options for appealing and them understanding the situation.

This was the first time I used AIG and I will never buy a insurance with them again. They just take your money and do nothing for you. Next time I will buy health insurance in Manulife and the cancellation trip with my cc. It was money that I just wasted.

A complete Scam! Never do business with this company. I filed a claim back in February after cancelling my trip, provided every piece of documentation they requested and more. They accepted everything and said they will process the claim. It has been 5 months and after 10 phone calls, never able to speak with the adjuster, and 17 emails later I'm told that they are overwhelmed. They purposely are holding on to my money and making excuses not to pay out. A complete sham!!! This company should NOT be in business because they are stealing from people!!!

Covid virus caused flights and travel to Italy to get cancelled. I received refunds on flights, excursions but not the non-refundable Casa stay. I purchased the Travel Guard as recommended prior to any known Covid activity. I submitted claim for that non-refundable part of the trip and included all relevant documents and proof of payment. Understandably due to the virus things were backed up. After 8 weeks I contacted by phone and was told that no one has reviewed the paperwork yet but it would be expedited.

After several months of waiting for them to respond to my claim, they respond requesting flight information and other details that I had already provided when I 1st submitted my claim to cancel my flight due to the COVID-19 crisis. This company appears to go out of their way to essentially make you want to give up, and I will never use this traveler's insurance company again!!!

Our cruise had to be cancelled, because of Covid 19, this insurance will not pay unless we are still under Shelter in Place orders 60 days before the trip. Even though Canada will not allow cruise ships into their ports. Shame on them for taking advantage of these 4 senior citizens.

Purchased Insurance for 3 tickets to NYC. Was told by AIG that the vendor provided a credit per an email they received. Called Vendor (Expedia) and was told They do not communicate with AIG as they are separate and they do not see a credit. Even the Expedia rep said this is a scam. The best thing the company could do is refund the insurance amount that was paid to them. This company needs a lawsuit!!!

I should have checked Consumer Affairs reviews before buying AIG Travel Guard insurance on 03/17/20 on a trip to Hawaii scheduled on 04/07/20. Costco Travel canceled the trip on 03/26/20 on Hawaii governor order for 14 day quarantine requirement. There is no phone answer or email to reach since 03/17/20 therefore I have no one to ask if I need to cancel insurance for refund which is 15 days from 03/17/20. I called several times and was able to reach operator in mid-May and in mid-June who told me to wait insurance claim since they are overwhelmed with claims.

AIG Travel Guard is the travel insurance that comes with purchases on Expedia. Save your money. It means nothing. Even during the pandemic, they refuse to pay claims. Even when the policy says 100% covered due to cancellation for any reason. I have sent over 14 emails and faxed every possible document requested and still it says "your claim is being reviewed". It's been over 90 days. This is a scam.

We purchased travel insurance for our trip to Portugal planned for mid March 2020. Mid February, I had an accident causing a severe knee injury and my doctor did not want me to travel. In March I canceled the trip, unfortunately also just as the COVID-19 was really ramping up. I submitted all the required documentation (this was a huge amount of work) Although I was assigned a case number and all the documents were accepted, it took a full month to hear anything back, and this was simply that a claims adjuster and had been assigned to my case.

I had to cancel my travel due to Covid-19. I cancelled in March. I have submitted my claim three times and still no payment refund. Every time I submit, they ask me to send the the same information I have already sent. I will NEVER use this company again.

I planned a family Spring Break trip for March 2020 that was cancelled by the Pandemic. We purchased bball tickets and eventually got reimbursed by the vendor. The hotel quickly reimbursed us via Expedia when they closed during the pandemic. The flight vendor has issued a credit which I have no intention to accept as I want my cash. I paid for "cancellation for any reason" and would expect them to be true to their description and refund me fully. At this point, I'd guess I've made 7 calls, held for a total of 4 hours and sent about 6 emails (including reaching out to a supervisor on LinkedIn when they would not give me her voicemail or phone number) with no real effort at response. They have never replied to my request for an escalation to a supervisor. And their agents read scripts about the unprecedented pandemic that I can repeat in my sleep now.

Purchased travel insurance for trip to Ireland on Aer Lingus. Flights cancelled due to Covid. Insurance was purchased so I would not have to deal with an airline that I have never used before or plan to use again. Since the airline gave me a credit for 6 months, Travel Guard refused to honor their insurance nor even reimburse the 180.00 they received from me. Rude, unempowered and generally horrible staff on the phones and multiple occasions of refusal to let me speak to management nor have a person with authority speak to me. Run from this company- crooks!

Purchased travel insurance for flight into Dallas March 22; the flight was empty but not officially cancelled. Daughters college was deemed "uninhabitable" due to the city closing. They have no intention of ever honoring this policy. We have attached documentation; they want proof that AA has NOT issued a refund; how can I prove that? Nice cover for them, but totally dishonest practices. They won't let us speak directly with the contact person whose name is listed on the claim form! Total sham. We've spent HOURS jumping through all the right hoops.

In January 2020 I made reservations for a trip from FL to CO & surrounding areas. Two hotel reservations were made thru Expedia.com which offered travel insurance with AIG and which I purchased. Due to COVID19 the trip had to be cancelled. I cancelled thru expedia.com & made a claim with AIG on their website including with the claim ALL documentation they requested. Many phone calls to their claims area resulted in stonewalling like I have never ever experienced. Now after 11 weeks numerous phone calls internet inquiries & several emails not only do the claims remain unpaid but my most recent internet inquiry indicated "no such claim exists". ABSOLUTELY STAY AWAY FROM AIG & THEIR TRAVEL INSURANCE. IT IS ANOTHER AIG SCAM!!!!

I bought travel insurance for a flight in April 2020 and cancelled the flight in March 2020. I have been contacting this insurance company multiple times to get refunded but have been constantly put off and no one will respond to why or when I will be reimbursed. It has been 3 months now with only a few emails asking for information which I provided immediately. There doesn't seem to be any reason to buy travel insurance if they are just going to put you off until you go away. Covid can only be used for an excuse for so long and 3 months is too long!

I called 4 times today using a cell phone and then a work landline and each time a different "Rep" said they could not "hear me" and had to drop the call. In the meantime I spoke to other people without any issues on both phones. I filed almost 2 months ago and am less than a week out on my travel plans that were made BEFORE Covid-19 so getting a refund for my flights should be a no brainer since they have all the correct documentation according to Jeanne an AON rep that I spoke to May 21st who was taking calls for AIG. I will give them a 5 star rating once I see the check in the mail!

Had a trip booked with my wife and three children to Florida in March 2020 with American Airlines. Bought the travel insurance through Travel Guard, after my trip was cancelled I filed a claim and nearly 3 months later 6/13/20 and sending documentation over and over again, my claim was denied. This was the first and last time I bought travel insurance. What a terrible company to do such a thing during a nationwide crisis. I would not recommend Travel Guard to anyone. I have forwarded all my documentation from this event to my state representative. Hopefully he puts the wheels in motion to pass a law requiring full refunds. Bottom line, terrible company.

I purchased travel insurance for a flight to visit my son in April in Seattle. When we had to cancel our flight due to current circumstances I breathed a sigh of relief that I had purchased travel insurance. I submitted our claim with the required documentation in March. After a lot of emails and time spent on the phone, it is obvious a refund through the insurance company is not going to happen. It is a sad state of affairs, when people are out of work and in need if their hard earned money, they cannot depend on a product that they paid for in good faith.

I purchased AIG Travel Guard insurance for a trip planned in March. It was canceled no refund and yet AIG continually asked me for documentation I have already provided and refused to honor the insurance I purchased in good faith. They do not respond and I have sent the documentation multiple times. They are withholding refunds that are clearly covered in the policy I purchased. Shameful in these times. I would not recommend to anyone.

We had airline tickets purchased through United.com (along with travel insurance) to travel 3/14-3/20 to Disneyland. Three of us were scheduled to depart from one airport, and our older son was scheduled to depart from another airport near his college. On the afternoon of 3/12, Disneyland made the decision to close effective 3/14. United gave us a “travel credit” for future travel. On 3/12, I filed a claim through Travel Guard. As of today (6/3) only my son has received a full refund for the cost of his airline ticket.

Purchased insurance for a trip to work on the Navajo Reservation. Reservation closed due to COVID 19. I have been trying for over 2 months just to get the claim to an adjuster. I have been lied to by "supervisors" about the status and one even told me my claim "might" be reviewed by January... NINE MONTHS after it was submitted. They won't pay it... They won't deny it so I can appeal or report them. They just keep you in limbo hoping you will go away. DO NOT buy Travel Guard!

I recently bought a Annual Travel Guard policy from AIG. On my first trip I had to be admitted to a hospital in Malaga, Spain. The hospital required assurance of payment. I could not get AIG to do anything promised in their literature and their policy. I advanced € 9,000 to the hospital on May 5. Today is June 3 and I have not been paid by AIG. Only words, no money. This company is ripoff artist of huge magnitude. They stiff clients left and right. Included with this experience was a separate charge for flight that was canceled by the airline while I was in the hospital. AIG refused to refund the premium. WHAT A RACKET! I intend to report this matter to the Insurance Commission in my State and push them to restrict AIG's ability to sell insurance in my state.

Last year we bought three plane tickets and had them insured via AIG. After the COVID virus caused our trip to be cancelled we called to receive a refund. We were simply told that it was not covered - end of story. Prior to this AIG did everything the possibly could to make dealing with them difficult in the hopes that we would give up. We had to provide "proof" that we had bought insurance in the first place. We did this by emailing them the receipt that they already had. It was an absolutely horrible experience working with these people. Not only did we lose the $1,300 cost of the ticket but also the cost of the insurance. NEVER USE AIG!

Paid for travel insurance but my parents who are 85 and 93. Covid-19 prevented their ability to travel. Travel Guard has been horrible throughout this experience. Here it is now two months and I have not gotten a direct answer. I have filled out all the paperwork at the wedding on a phone countless times the countless hours. I contacted individual today and was told I should be receiving an email as my claim form was not executed. I asked them to check it and they responded acknowledging it wasn't fact in their file. I asked for my refund. They then told me that Expedia, the travel agent was reviewing the claim. Expedia, after an hour wait on their phone, told me I must file for a refund with American Airlines first. American Airlines stated that I needed to talk to Expedia or travel guard.

After booking a European trip on November 2019 for vacation taking place in June 2020, I purchased AIG / Travel Guard to ensure my trip was covered. As soon as the pandemic was announced in March 17, 2020, coupled with my employer cancelling all vacations and requests days off because I was classified as essential, I emailed AIG / Travel Guard explaining this. I also provided all the paperwork, such as flight / hotel information and supporting official documents detailing what they request and needed.

Cruise was cancelled due to virus. Requested refund within the time limit and that was verified by one of their phone reps. Refused to give refund. Requested to apply to another trip next year. Again refused. Do not waste your money. We will never use this company again. We have used a different company in the past for many cruises but thought we would try this company. Never again. Slow to respond and even though cancellation was not our fault they kept the money. Glad I didn’t have file a claim. Would probably be out thousands if it was a serious problem. Only a few hundred but not a good company.

In December of 2019 after two years of saving on a fixed income, myself and my wife planned a trip. We paid a tour company and an airlines for the trip and added two days to the hotel reservation to recover from the flight. We also added travel insurance through Travel Guard for $496. In April both the tour company and airlines cancelled and refunded our money. Travel Guard would not refund our payment saying that we needed to cancel within the first 15 days to receive a refund. In 2008, the American public bailed out AIG, Travel Guard's parent, to the tune of 182 billion dollars. Where is the justice here? They should have refunded an unused policy. I would never again use this company.

I booked a trip to Vegas for Memorial Weekend. Because of the Pandemic, I am not able to fly. I filed a claim with AIG Travel on March 27, 2020 and it is now May 14, 2020 and absolutely no one seems to know the status of my claim. I've called 3 times without success. I understand the high call volumes but I've waited patiently and my flight is scheduled for next week and I have no idea whether I will be reimbursed. Never AGAIN will I use AIG Travel Insurance.

I booked a flight through Expedia last January. The flight was part of a excursion to Myrtle Beach under ludicrous premise to play golf (‘Golf’ is a four letter word for “drinking lots of beer). The flight was scheduled for April 22. At the time of booking I invested $19 for AIG Travel Guard Insurance – this is strongly recommended by Expedia. Expedia has a clever arrangement with AIG. They talk you into buying AIG insurance so that when your flight to Detroit ends up in Bangkok, Expedia tells that since you bought the AIG insurance you need to contact AIG.

My husband and I flew to the Hawaiian Islands on Feb. 24, 2020. On March 20, we purchased a ticket on United Airlines to return to California on April 14, 2020. On March 23rd, all visitors were advised by the Mayor of Kauai to "leave as soon as possible". In fact, the airlines advised on that date that fights may not be accommodated after March 26th. We needed to leave immediately.

Booked a hotel room thru Orbitz and purchased the insurance. This was in early March so before the declared pandemic situation. I was double-billed for the premium but eventually was reimbursed for the error. The day before my trip, I became sick (not with COVID-19) but I couldn't make the trip. I tried to cancel thru the hotel but they wouldn't even answer their phones so I filed a claim with the insurance. As of May 5th, no response at all and of course, no refund. I have contacted Orbitz several times and they continue to give me the runaround and tell me to call the insurance company. Thankfully my credit union has me covered and will be refunding me for the hotel room as well as the insurance premium. I fully believe this insurance is nothing more than a scam and I doubt they ever really pay any claims.

I paid for travel insurance through AIG Travel for the first time. Event we were traveling for was canceled due to the Covid-19, travel ban - because we weren't sick they won't pay. Are you kidding?? It took over two months to get this answer as well.

Our trip to France in May was cancelled, Travel Guard will only provide a credit instead of refund due to their policy of only refunding after 2 weeks of purchase. No consideration of a refund given in this unprecedented time, despite the funds I assume they have.

Submitted a claim for just part of our trip that was cancelled by the cruise company. Just wanted our airfare recouped due to part of it was paid with miles, the other part was non-fundable. (Obviously, with COVID-19 hitting the travel business, things changed with no fault by us consumers.) Instead of the full amount of $2012, we were paid $14. No reasoning and no answer to why that amount. I guess if they are in the money making business, they made easy money off this traveler. If they had returned my insurance fees, I would have been satisfied. But, this company doesn’t seem to have even that much integrity. I will never recommend these crooks to anyone.

I would never use this company again. My trip was cancelled because of Covid 19 and I provided all of the required information to be reimbursed. The company has done everything they can to delay by claiming they require more information and time. I believe this is an active attempt to frustrate me to the point where I either give up or accept anything they offer. Extremely unprofessional.

Avoid using Travel Guard! You have lots of other options out there for travel insurance so choose one of them. The website is hard to navigate, and the documentation required to submit a claim is somewhat vague, but that wasn't the worst part of the experience. We paid $1435 for trip insurance, and when a flight delay forced us to stay another night, the company refused to pay for our room and one meal. The adjuster said our policy only covered delays that occurred while we were on our trip, and since the change occurred just prior to departure, they weren't paying.

Little to no communication while deliberating my case then a short email declining it, starting a loop hole they were going to hide behind. I will never use them again. In the future, using a credit card with travel insurance will undoubtedly bring a much more pleasurable experience.

We had our cruise cancelled by Princess. We asked Travel Guard to give us a voucher so we could use the insurance again on a rescheduled cruise. We submitted our request 1 day late and they denied us (we have used them on a dozen other occasions). You would think with all the issues surrounding the virus, they could have made and exception. No Heart, No breaks, NO Voucher. Please do not use this company. They are just a greedy bunch. Any questions, call me.

On Maasdam during the coronavirus outbreak. We were to disembark in Hilo Hawaii on 3/20/20 and to fly to San Diego on 3/21/20. I made arrangements to fly home from San Diego on 3/22/20 and purchased trip insurance for this flight home on the Expedia website. When we found out that Hilo was closed to all cruise ships, I cancelled the flight from San Diego to home.

I paid this company $1,334.00 to insure a trip to Ireland and Scotland. The trip was cancelled by all parties (airlines and trip arranger) due to the Covid-19 virus. AIG is refusing to refund the premium I paid them. They say they will issue a credit voucher for a future trip to be used by 4-16-2022. I am 72 yrs old and may not be alive by then. They are taking my money without recourse. This is the same company that receive a $182 billion bailout by taxpayers during the financial crises. They took the bailout but are refusing to bail out their own customers. I believe this company to be un-ethical and could care less about the customer. Suggest any one should not buy their product and file a complaint with their insurance commissioner.

I purchased Travel Guard insurance for an April 4th-9th trip. Unfortunately, I had to cancel my trip, based on medical advice on March 9th and submitted all paper work online by March 11th to the company. Given the unusual times, I have tried to be patient, however, I am at my wit's end. I called and spoke to a customer service rep on two different occasions prior to the "15 day" of review. I was instructed that I called too early and given a date after the 15 day review indicating that someone will contact me by close of business on that day. Did not occur. Called again and was told that the claim was in final review, waiting on info from carrier, but would hear something by the end of the week. Did not occur.

Do not use Travel Guard for your travel insurance. They will give you every excuse in the book as to why you will not be refunded for your ticket. I am immune compromised and my doctor filled out all of the required paperwork as I ordered my ticket March 1 2020. Cancelled March 4 2020 due to Covid 19. I just got off the phone again with them and still one excuse after another.

Warning!! I purchased Travel Guard insurance for a ski trip covering hotel and flight. Due to illness (MD documented) the trip was canceled. Claim was filed, all supporting documents sent and nothing. Travel Guard nor AON (read the small print) ever followed up. I sent many emails and held for an hour plus many times, to only be auto disconnected. Be warned, this is not a legit service. I finally disputed the charges on my AMEX and won the dispute, so I recaptured what I paid for the hotel, flight and the insurance fee. All this was done through Expedia. Very bad experience - and Expedia was no help!

Absolute GARBAGE! I purchased travel insurance for my wife and me for travel that was supposed to go to Rome and Venice in April. All air travel is cancelled worldwide. Flight cancelled by the Airline is not a good enough reason for travel insurance refund. Somehow if travel is not cancelled within 15 days of purchase, it's your loss. I wasn't asking for a refund, I just wanted to use this for a later date, when worldwide travel is opened again. Travel Guard made no effort to help me extend purchased travel insurance to a later date. Travel Guard directed me to Expedia, whom I purchased Airfare and Insurance, to resolve this issue. Travel Guard stated they only process claims and extending an already purchased policy was not their policy. Avoid this company, they will take your money, but then you're on your own.

Due to illness, I couldn’t travel. Since I had insurance, contacted company, uploaded required documents 5 times. I haven’t received no refund. Company claims medical certificates missing. Can’t reach anyone. Not even a e mail response from representatives. This is going on since February 27.

Travel Guard is one of the worst insurance I ever had. They took 6 months to process and deny coverage. I had to cancel my travel due to my wife pregnancy. At least more than 50 percent of human population knows how pregnancy process works. But it seem like they don't have any clue. They want me to submit document to prove it is an injury and ultimately denied as I had doctor consultancy after 8 weeks. I wonder will they will be any helpful during emergency as there plenty clauses which will help them to deny coverage. I suggest people not to waste their money on this insurance. There are many credit cards which provide better services without any additional cost.

Booked a United flight for my wife and I (both in the coronavirus high risk category) on January 9th 2020. Flight from San Francisco to London departing April 15th 2020 returning April 29th. Purpose of trip was to visit my parents who are both in their 90s. Following US government advice (President's coronavirus task force), I cancelled the trip. Social distancing of 6 feet is next to impossible on an aircraft.

Will not honor COVID-19 Claims. When I finally got through to this companies "customer service" department, I was treated rudely and told that "International Pandemic" is not a valid reason for travel cancellation claim. I paid $365.20, basically for an insurance policy that insures "nothing". I have also filed a complaint with Better Business Bureau. This companies policies are despicable, and I won't use them in future (I travel a lot for business and personal).

Purchased Travel Guard Gold traveler's insurance from AIG for an expensive trip to Mexico. US recently banned travel to Mexico with COVID-19 outbreak. The fact that I cannot legally travel to Mexico will NOT be covered by this policy. Read the fine print under exclusions to trip cancellation "(d) any government regulation or prohibition." Don't waste your money. If you absolutely must buy travel insurance, find a carrier that will provide a cancel for any reason waiver (unlikely to find such a thing while COVID-19 is out there). AIG spends money on advertising (PGA, New Zealand Rugby, etc.) NOT on paying out on their policies. Will NOT use again.

In good faith, I purchased Travel Guard travel insurance 3.5 months prior to my trip. I had saved for this trip for three years and was taking no chances. The insurance stated that it covered trip delay and trip interruption, things that happen sometimes when TRAVELING. I was seated on the plane for over an hour before the crew had us disembark due to a mechanical issue. This caused a cascade of issues: a night in a hotel, two missed connecting flights, and an extra $1000.00 for a boat taxi (which I had NOT saved up for). I was in another country, alone, female, and arrived at midnight. Had I just given up and gone home, all my expenditures for the trip would have been forfeited. My claim was DENIED. AIG/Travel Guard used tricky word play to justify the denial. Even the agent I spoke with agreed that it was wrong. If you do not want to be ripped off, DO NOT BUY TRAVEL GUARD/AIG travel insurance.

It was the first time ever I took insurance for my travel. The travel was for a national conference, 12 hours before the start of the conference we were informed about cancellation of the event which was due to rapid coronavirus spread in that state and in that case I took quick action and cancelled my flight in a hope to get refund from at least this travel insurance company. After filing the claim I received a reply about 14 days after saying "Trip Cancellation due to COVID-19 concerns doesn't comes under coverage." Coronavirus spread caused national emergency in USA however it's not a genuine reason for claim according to AIG Insurance. I am highly disappointed by their service and will suggest not to take this insurance. It's totally useless.

When buying online airline tickets, there was only one offer for travel insurance. Took the insurance offered. Travel insurance is travel insurance. NOT. They lied and misrepresented the product. Documents required that aren't available.

Bought $458 worth of insurance to cover $2,200 worth of airline tickets. Due to travel restrictions from covid-19 we cannot go. They tell us a worldwide pandemic isn't enough to refund our $$$!!!! READ THE FINE PRINT!!!!

Terrible. 30 min. wait period. Policy claiming that coronavirus is not eligible reason for claim albeit flights/hotels closing/canceled. I would never use this service again as appears to be very unreliable form of insurance for unexpected emergency.

I booked a trip to the Bahamas for late March 2020 in September 2019. At the time no-one had heard of COVID-19. I paid for coverage at the time of booking my flight. Now my coverage does not cover cancelling my flight due to a Level 3 travel warning issued by the US State Department and The Centers for Disease Control. This Level 3 travel warning is for travelers over 60 years old not to fly out of the country due to possible illness and death due to exposure to COVID-19 virus. My wife and I are both over 70 years old.

FLY WITH AN AIRLINE THAT HAS A CLEAR CUT CANCELLATION/REFUND POLICY. I bought a plane ticket through Frontier Airlines, Denver to Charlotte, in order to take care of a family member after surgery. I always buy insurance when it is offered (I'm an insurance agent). Her surgery ended up being cancelled due to surgeon availability a week before the flight/appointment so after 3 phone calls, one to Frontier and 2 to Travel Guard, I was instructed to cancel the flight and file a claim on Travel Guard's website with whatever documentation I had etc. which I did on 2/14/20.

After online claim it is looks impossible to reach AIG people to understand the processes. Even no update in review even after 10 days. Reaching customer care seems impossible after 1 hours hold with 15 times with several days.

Travelers BEWARE!!! Especially if you have fur-babies that you love. We purchased our plane tickets to FL in November, 2019, and bought the AIG Travel Guard Policy the same day. We were all set for our trip at the end of February, 2020. At least we thought we were. On February 3, 2020, our 7.5-year-old Belgian Tervuren was diagnosed with inoperable bladder cancer. We needed to start Roxy immediately on chemotherapy with sessions scheduled for every three weeks over the next three months. While we still don’t know if the chemotherapy will be successful, we did know that we could not be walking the beaches of FL while our fur-baby was undergoing her second round of chemo. We canceled our trip and filed a claim with AIG Travel Guard. After jumping through hoops and numerous phone calls and emails, we gathered and submitted all the required paperwork for our cancellation claim on February 24, 2020.

When booking a recent trip for a conference, Travel Guard was a 3rd party insurance provider for the booking site used. Choosing to air on the side of caution, I paid the extra fee to protect my travel plans. Due to circumstances which arose outside of my control, I had to cancel my travel plans. The site I booked through directed me to call TravelGuard in order to put in a claim and that's where things started to go downhill. Especially at this time when many are trying to cancel their travel plans expect to be on the phone waiting for a representative for HOURS, only to be directed to their website to do everything yourself with NO assistance. Don't expect any actual service.

I bought insurance from this company to cover ticket cancellation and I got bad situation one day before the flight date, so called and open claim to cancel, it was in Oct 22, 2019 many many calls and always on hold more than 30 minutes, they sent me email asking for medical report and my cling waited one month to receive the reports fees $ 50 an no response, so I paid the fees and sent the report until this date I didn't get refund. I lost my ticket plus insurance amount plus $ 50. So I advise everyone to take care about this un honest company and do not deal with them.

I have now had two occasions to use Travel Guard insurance in the past four years for flights I could not take due to injury or illness. Both times the refund was speedy and easy. Both times I purchased this insurance via United and the refund actually came from United (after I filed with TRavel Guard I was instructed by the person I spoke with at Travel Guard to go to the United refund site and upload my documentation there). Both times the refund was processed within 10-14 days. I was surprised to see negative reviews here and all I can imagine is that people are expecting them to cover things the policy does not cover -- read the contract before you purchase it, so you know what it covers. If you are injured (as I was playing tennis) or fall ill and have seen a doctor about it and can produce evidence, you will be covered. At least that was my experience.

Bought Japan Airline ticket and travel insurance with Ico Travel and Tour and Travel Guard last year. The travel agency recommended us also to get the travel insurance. I called my Travel agency that I need to get a refund because my wife doctor's advice is for her not to travel and also the current corona virus. WE went to her Doctor and was able to get the Doctor's certificate. Our travel agency told us to call Travel Guard for refund.

I only had one option at the check out point when I was purchasing my flight ticket and later when I claimed it It took them 2 month to get back to me and they told, "The insurance you bought does not cover work related issue" which was the only reason I bought this on the first place. I feel absolutely cheated on. There was no indication of what reason to miss a flight is covered and whatnot and there was only one insurance option. Do not purchase this insurance and do not count on them to be reliable!

False Sense of Security for Travel. Purchased for a flight to Asia in December before COVID-19 was known. Event that I was attending was canceled and quarantines for people returning from Asia were starting in late January. I submitted the lengthy claim form to AIG with documentation. It seems like they're trying to weed out submissions with that process. After several weeks, I received a form letter that said my claim was denied. Their policy covers very little and the fine print leaves them a lot of room to deny claims. Make sure to review it very carefully or better yet avoid wasting your money with AIG Travel and Travel Guard. Instead, purchase flights with airlines that have no rebooking costs or purchase a cancel-for-any-reason policy through another company.

I submitted a claim Feb 11. Called Mar 3; was on hold for 90 minutes then hung up on. Tried contact form on website, no response. Might have been worth it to eat the cost of the cancelled ticket. Clearly they are actively hoping customers will give up and just take whatever they can get.

Our cruise line cancelled the cruise due to the corona virus. They returned 100% of our payments. Then I called AIG to cancel the insurance that I would not need since we weren't taking the trip. "No can do" they said and cited the contract clause that cancellations had to be within 15 days of purchase. Technically, they were correct. But given the extraordinary circumstances caused by the worldwide virus, one would expect a quality company to act in good faith and return a premium for insurance I would never use. I will never use this company again.

Tried to file a claim. Called 3 different phone #. No human to talk to. Tried going online to file a claim. As you move though the process it will ask you for some documentation. I go get it and it does not like the format or it's too big and every time you go retrieve something else hopefully in the right format The claim you have been working on is gone and you get to start the process all over. They clearly do not make a claim process as easy as it is to buy. They are sweet as can be to sell you but that seems to be as far as customer service goes. I know they are busy with the coronavirus and I am not sure but they say Australia wildfire.

Please do not be misled by star ratings of anything above one star. I was offered what I thought was a reasonable fee to have travel interruption/insurance on a trip for me and my family to Thailand via China on Air China. Due to Coronavirus the airline cancelled my reservation and asked me to accept a different departure. Such departure was at a time that I would not even have been in the state so obviously not able to meet.

We bought insurance to cover a trip to Antigua. The day we were to leave, the airline canceled our flight due to weather. We could not be rescheduled to leave for two more days and our trip was cancelled. Cocobay Antigua kept our $3500 resort payment as penalty. We thought, good thing we have insurance. Wrong! AIG only reimbursed $400 for trip delay. What a scam, I guess this is how they stay in business.

My flight was delayed due to bad weather; I had 3 extra days of hotel fees and car rental, not to mention food, etc. Filing my claim took several hours; the wait time to get to a human is very long. Then, it took them almost 3 months to process. Then, they gave me a whopping $8. Complete, total rip-off, terrible customer service - I have nothing good to say. Run, don't walk, from these scam artists.

I signed up for this insurance so if we had issues we could recoup some of our costs. Unfortunately someone basically has to die in order to get any money back. DO NOT GET THIS INSURANCE!! IT IS A SCAM!!! My wife ended up having to work and we had to just change the dates we were traveling. They would not honor their insurance. This company would rather have you lie and make something up rather than have people tell them the truth. Shameful!!

Do not believe the good reviews. So many companies these days pay people to cover their bad reps and I 100% believe this is one of those. My husband and I were right in the middle of all the Coronavirus mess while we were traveling to Thailand and Bali. We spent the last 2 days of our trip in a panic trying to reroute our flights to where we wouldn't have to fly Air China directly into Beijing and have a 9 hr layover in the middle of the plague. We couldn't even get Air China on the phone! We stayed up until 4am 2 days in a row trying to get it resolved. Expedia, who we booked our tickets through finally got in touch w Air China. They specifically directed us to NOT fly into their area. The only thing available was a direct flight from Bali to Dubai (one of the only countries not yet infected) that went to Houston so we took it thinking #1. We dont have a choice #2.

I purchased Travel Guard Insurance for a flight that I booked through Spirit Airlines. I had to cancel the trip. It's been WEEKS since I filed the claim and required documentation. In the original advertisement, the ad made it sound so easy, that if I had to cancel my flight, I would only lose $22.00. At the moment, I am on hold (up to 30 minute wait time) to speak to the representative named in my claim. This seems very much to be a MONEY GRAB! I paid for the insurance and it looks as if I may not get any money back. This should not be legal!!! What a waste of money. Bottom line....don't purchase it, at least through this company. They make you jump through so many hoops for something that should be so simple. I am going to file a claim through the Better Business Bureau. I don't know what else to do.

It only took a few minutes to reach an agent to purchase a policy, however, after purchasing and trying to reach an agent it has become impossible to receive any assistance. I called "Claims dept." and have waited on hold for 1 hour & 17 minutes only for the "agent" to tell me she wasn't licensed and couldn't help with my questions. EVERY other time I've attempted to call has been over a 25 min. wait. I was called back a day later but the rep still couldn't answer my questions. Upon trying to contact the claims dept. or any representative the phone lines put you on hold for a minimum of 25 minute wait then just hangs up. I tried this for 3 days. When trying to reach tech support to help with an online claim filing, you press #2 for tech support and it immediately hangs up. I tried this over 20 times.

I booked a flight through AARP Expedia. I tried to get the flight insurance, but the email wouldn't allow me to log in. When I called AARP they couldn't help me and told me to call TravelGuard. After a half hour wait, I had to hang up. I tried again and after a half hour, I got an agent who told me that he couldn't help me, but he would transfer me. I asked how long I'd be on hold and he said, "About a half hour." I said, "You're kidding me! I'm trying to buy your product and I get put on hold for an hour!" So I hung up. Not good customer service, to say the least!

I purchased an AIG Travel Guard policy through Spirit Airlines when booking a flight. I had to cancel my trip due to a change in my work obligations. The claim process asked me for a notarized letter from my boss stating the reason, copies of emails, a letter from the airline with the cancellation, the original trip confirmation, etc. I gathered and submitted all the required documents only to be denied and told work related cancellations are not covered. It is deceptive and misleading to require people to send documentation to support a reason that isn't even covered under the policy. Why wouldn't the claim system just say "work isn't covered" as soon as you selected "work" as the reason? Truly a waste of time and money and highly dissatisfied with the entire process and the policy. I will never purchase travel insurance again and would wholeheartedly discourage anyone else from purchasing this either.

United suspended my flight to China due to Coronavirus. I asked for a refund on my travel policy. They said it was denied because it was 15 days after I purchased it. Um hello, I didn’t know within 15 days after my purchase that United Airlines (and most airlines) were suspending flights to China. Total frauds and money suckers! Avoid at all costs! What is delightful is that they write in their email that they provide quality service. Ridiculous!

Please use another insurance company and do not Choose Travel Guard AIG while booking from Expedia. They promise a lot and give nothing. You should book travel insurance from outside expedia. Travel Guard has expensive insurance while private insurance provide cheap and better coverage than AIG travel guard. Their insurance agents are very rude and will not listen to you and will use book words to not give you any money which you deserve.

We purchased a flight back in October for a flight to Wilmington. It was for a business class over there for one of our technicians, so we knew things could change last minute and wanted to be able to be protected, even on a non-refundable flight because these types of things change all of the time. After reading about Travel Guard and the things they list that they "cover" on their page labeled "Why Travel Insurance?" I soon discovered that everything they listed there was a JOKE. I do NOT advise wasting an extra $30 bucks or so on this company. We had to cancel our flight because the class got switched to a different weekend. For a company that claims they can get your money back if somebody that is not even you gets "sick" and everyone cancels, but your ticket is non refundable... it's kind of funny when they cannot get your money back or flight switched to a different weekend.

Useless, you need a "proper" reason to get reimburse. It's not a "no question ask" full protection with cancellation of the your trip whatsoever. Make sure you are 100% not going to cancel the trip through Expedia or you gonna get **!!!

I purchased TG trip insurance as part of my booking with United for a trip to Hong Kong in November 2019. Since the riots and violence in Hong Kong remained unabated into November, I had to cancel the trip. My claim for reimbursement for the plane ticket, which was nonrefundable, was denied because the fine print of the contract says that riots and civil disorder were not covered. This exclusion is unreasonable because it implies that people can travel in unsafe places. Additionally, the exclusion was not disclosed at the point of purchase because the contract was only available after purchase. TG's practice is designed to fool people into believing that they have trip insurance for protection. AVOID TRAVEL GUARD. It's not an honest company to do business with.

I booked a hotel and was offered travel insurance in case I something happened I’d get a refund. Turns out it’s not true. They say they cover cancellation. Well I had to cancel and rejected my refund. They are a scam.

I've called several times and waiting 30+ minutes on hold each time. No one ever answered while I was on hold. No one responded to the message I submitted through an online form either. I think they just expect people to give up.

Despite specifically stating online flight cancellation is 100% refundable, in reality it is 0% refundable. You have to PROVE to be DYING, IN JAIL or swept up in a tornado, to get a cent back fr SCAM ARTISTS!

Do not spend money on travel insurance buying on Expedia. In my case it didn’t work. I stayed sick due to illness, changed my ticket, the insurance asked me to issue a document. I filled out all the columns that were there, but a month later when I no longer had the opportunity and access to they again requested that hospital additional documents, which, as you know, I can’t provide anymore! I ended up losing $500.