Travel Guard Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Rupali

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

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

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

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

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

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

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

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

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

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

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

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

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

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!!!