Travel Guard Reviews

Airline tickets worth $1500 were lost even though I purchased AIG travel insurance. The insurance adjuster was sent the required medical paperwork and then continued to ask for the same paperwork which I filled out again. They are typical of insurance agencies. They collect your money and then refuse to pay when a claim is filed.

After reading all of the reviews on here, I was a bit nervous that my claim might be denied. I was supposed to fly 12/6, but was still getting over an infection. I was seen (and treated) by a doctor on 12/1 and given antibiotics. By 12/5 my symptoms had not subsided to a point that I was comfortable traveling and I was still taking the medication, so I cancelled my trip and submitted all of my paperwork from the doctor (diagnosis included) to AIG with my claim. On 12/16, I received approval on the claim, no questions asked, no further documentation required. My assumption is that 90% of people on here leaving bad reviews were trying to get reimbursed for reasons that were NOT covered by the insurance plan. That's a you problem, not a company problem. I will definitely purchase this insurance again in the future.

We purchase a Travelguard policy for each of our trips but have never had to use it until recently. Back in September we were taking a trip to Vienna, Salzburg and Prague. We were at the airport ready to board the aircraft when I decided I probably should not board due to some chest discomfort I had been having for a few days. We left the airport and went to the ER instead. I was told by the ER attending physician that my symptoms were not cardiac-related, so I got the all-clear to travel. We returned home and re-purchased tickets to depart the next day instead on a slightly different routing to meet up with our friends at the 2nd stop, Salzburg. We would miss Vienna altogether since we were to be there for just two nights anyway.

Had visa issues so we cancelled our trip and they didn’t refund our cost. We trusted Travel Guard but I would say don’t go with travel guard. Agents are being so bad telling the same reason like we have in terms and conditions. And when I asked for my insurance money even if they didn’t cover my trip charge they where sending an e-mail that it has to be cancelled first 15 days of insurance, which looks like more fraudulent. Please don’t trust them. I lost my money and humanity from these agents.

Purchased this travel insurance together with airline ticket from Expedia.ca last August, 2019. I had to make changes to my itinerary that I have to travel earlier, so I cancelled my ticket and changed to an earlier date for 4 Sept. 2019. I made the claim (Claim No. **) for the cancellation of the first ticket on 30 Aug 2019. On 11 Oct 2019, they asked for the documents which I provided to them. I followed-up on 14 Nov, 2019 and my claim, as they said is already approved since 18 Oct 2019. As of this day, I still have not received my claim for this cancellation after several follow-ups through phone and email. People from the departments with these emails (infotravelguard@aig.com, CA.expcustsvc@aig.com and **) as given in the policy are not helpful and will just shrug-off your complaint. I would NOT RECOMMEND people to GET this travel insurance from EXPEDIA or other travel agencies.

I purchased a Christmas trip for my parents through Costco in June and promptly insured both parents through Travel Guard, Costco's recommended insurer. My mother passed away in September and I canceled her portion of the trip Oct. 8, and I filed a claim with all requested supporting documentation on Oct. 12. The claim is still under review. Costco has contacted Travel Guard on my behalf to speed up the process, but to date, I have received one scripted email from the claims adjuster. It's now been 9 weeks since the claim was filed.

If you have had your claim wrongfully denied by Travel Guard without a valid reason or have been worn out with duplicitous documentation, please contact your state's insurance commissioner. I was only paid after I filed an insurance complaint with my local Department Of Financial Services. You can use any search engine on your computer to locate your state's insurance regulation department.

We lodged an on-line claim for medical expenses on 14/11/2019. After no response, we rang AIG insurance to check on the status of our claim. The company's policy documents stated that upon receiving a claim, they would contact us in 1 to 2 days.??? This was 19 days later. Then after much heated discussion, they said that an email was being sent to us that very day. 8 hours later, still no sign of their email! We were told that as the policy was a Cancellation Only insurance policy, we were not entitled to any refund of our costs. Yet, the wording of their policy in the section - Covered Events include - serious injury or illness and this item has a TICK against it as being insured.

I purchased their insurance for a week for a rental car through Expedia. My trip was cut short and I returned the car early. I figured I would get the pro-rated amount that I didn’t use returned, but they won’t give me the money back. Who does business like that? I will NEVER use these hacks again and I suggest you look for different options!

DO NOT BUY INSURANCE FROM TRAVEL GUARD!! They are dishonest and will delay responding to your claim for months and, during that time, they will not respond to your Emails and phone calls. After delaying for months, they will send a long list of requirements for additional information (nearly all of which do not apply to your claim). They do that because they know most people will give up and stop pursuing reimbursement of the expenses incurred during their trip. Travel Guard is exactly like the fictitious insurance company "Great Benefits" in the Matt Damon movie named "Rain Maker" (NetFlix). A class action should be brought against Travel Guard and they should be put out of business.

Very unprofessional. No help at all. Deceptive company. Avoid at all cost. They will string you along for months, make up all different forms they need filled out, and in the end, make up some excuse to deny your claim.

This company will lie right up to the point of paying a claim...then they'll deny it. Be sure to read the reviews here and then compare them to the fake 5 star reviews on Travel Guard's own website. This was my first time buying travel insurance and it will certainly be my last. My interview schedule was changed by my potential employer, causing me to miss my flight. Apparently that isn't covered by Travel Guard but they couldn't just tell me that outright, they had to pretend to be processing the claim for 21 days! (Despite the fact that they had sent me an email saying it would be proceed in 10-15 days.) In the meantime my travel reimbursement from the potential employer was hung up, waiting for the claim decision. What a joke.

We were traveling to Honduras for a mission trip. We purchased travel insurance through our travel agent and it was Travel Guard. On the day of our return flight our flight was cancelled by American Airlines due to fuel farm fires in Miami. We were basically stranded in Tegucigalpa Honduras with nowhere to stay. American Airlines told us "We're sorry, it's not our problem". Three days later American told us we had been rescheduled to fly out the next day. A few hours later they told us that our new flight had been cancelled and it may be a couple weeks before we could get out. We contacted Travel Guard and they told us to go ahead and purchase tickets through a different airline so we could get home and they would reimburse us the cost.

We booked our airline tickets via Mastercard and so automatically were 'covered' with AIG travel cover. Booked our tickets in February and flew overseas in September. 3 days prior to departure I had a minor pain in one of my molars, dentist prescribed antibiotics and advised I would be fine in a couple of days. Two days into our trip, I had to have an emergency extraction as the infection escalated. I couldn't even open my mouth to eat for a week. All I claimed was the $250 cost to remove the tooth, so $50 after excess. AIG then tell me the tooth was pre-existing as it started just before I left.

Due to extreme winds at JFK, our flight was cancelled a few hours before scheduled to depart. No alternate flight was available. We were unable to make the trip and had insured the hotel rooms with Travel Guard through Expedia.com. Although the policy details said we were covered for weather events that prevented us from arriving at an airport, they did not cover the $680 hotel rooms we were unable to use. I provided the cancellation notice, hotel receipt, and official weather details for the date of the flight. They sent a form response that claimed they do not cover what it says specifically they do on Expedia when you purchase the protection.

We had to cancel our hotel, flights and scuba trip to Florida because of hurricane Dorian. It made it impossible to scuba dive as the water was too dangerous to be in, even though the hurricane only went up the east side on the ocean. I provided proof that our scuba trip was cancelled, as well as our hotel and flights, with no reimbursements or credits from any of the airlines or hotel. It’s been over 10 weeks and nobody will get back to me. Every time I call, my claims adjuster is either busy or has left for the day. It states specifically in our policy that we are covered for events such as a hurricane. This company is the worst for getting back to you or covering what you paid for them to cover. It’s fraud to take our money and then not follow through and reimburse us for our trip that was cancelled due to a HURRICANE!!

I recently booked a flight and purchased the insurance. A change in the meeting itinerary required me to change dates and I attempted to file a claim with Travel Guard and was referred to policy terms and conditions. This insurance is a total scam - only medical emergencies with a doctor's report will trigger re-imbursement. Do not purchase this product to protect for changing travel plans - it's a total rip off. The fine print will inform you that no re-imbursement will be made due to: travel arrangements canceled by airline/cruise etc. Any change made by the traveler (for any reason), any business or contractual obligations of the insured, failure of travel agency, common carrier or group to provide agreed upon travel arrangements - So - if you plan on dying and want your estate paid back, there is no reason to purchase this add on. It's a roughly 25% charge that you have no chance of claiming benefits.

I purchased the insurance for flights to Florida to visit family. I get Panic Attacks, and in this case my Panic Attacks came back. I got a note from my Psychiatrist, and I had to cancel my trip, but AIG Travel Guard did not reimburse me.

WARNING!!! DO NOT USE THIS COMPANY!!!! I bought airline tickets for my daughter through Spirit Airlines that were non-refundable. This was to come home to avoid Hurricane Dorian. I purchased the insurance at the same time that I purchased the airline ticket, since it was non-refundable. Needless to say, the flight was cancelled and I had to find her another flight with a different airline home. I submitted a claim and sent every piece of information that was needed to process the claim. After two months, I finally get an email. Claim was denied because flight was cancelled before insurance went in to affect (midnight that night). What??? Never heard of such a thing. So I am out $230 and will NEVER purchase their insurance for anything or travel with anyone that offers this insurance.

I recently purchased a hotel room in Spain, due the civil unrest in Barcelona at that time, I thought it might be a good idea if I purchased the cancellation insurance for $16.00. And so as it turned out my plans had to change and I had to rebook (a side note: EXPEDIA.COM was absolutely useless in assisting to change the dates because it was a non refundable purchase). When I contacted this insurance company, I was shocked at the "hoops" I was being asked to jump through to collect on the $120.00. They were asking for newspaper articles on the protests in Barcelona, Emails between me and Expedia, proof I had tried to cancel or change. The agent said "their insurance adjuster wasn't going to do it for me". So people do your homework, this company will make it not worth your while to try and collect on the policy....it ain't worth it!!!. Again, Expedia is about as bad with customer service.

This company deserves 0 stars. I did my due diligence and called BEFORE booking a hotel room when my flight was cancelled. I was given incorrect information that a hotel would be covered. I booked the hotel only to have the rep call me back and tell me it was NOT a covered benefit. I noted all of this in my claim and they still only reimbursed $100 for a $300/night hotel room (there was nothing cheaper due to multiple airline cancellations). It took 3 MONTHS to get a supervisor to call me only to say “well you were given some correct information about the daily limit” and “we can’t do anything else as we already reimbursed you up to the policy limit.” No- it’s not that you can’t do anything, you WON’T do anything. This company is worthless and I would suggest you look elsewhere for insurance. The $100 bucks they reimbursed is not worth the 4 month headache of dealing with their piss poor customer service.

Purchased plane tickets via Expedia and flights were thru Thomas Cook Airlines. On 9-23, I learned that the company went “belly up”. I purchased the insurance believing it would cover this type of incident. Submitted a claim, 20 plus days they declined based that it didn’t fall into one of their categories. I’ve call 3 times to discuss and the adjuster doesn’t respond. AIG travel insurance is trash, lousy customer service, and will never purchase any type of insurance from them.

We purchased tickets while in the Mayo Clinic area for flights to go home from the area 12 days later. It is being held against us that we knew of the preexisting condition when we bought the tickets. Of course, we knew, but not for 12 days later! My husband was released from hospital and we were unable to travel for 3 days. We flew to our daughter's home and then were to fly back to Mayo for a procedure, then these tickets were purchased to go on home. We were unable to go home... Both of us were too sick, one way or the other. The form they sent us for the doctor to fill out was for the day BEFORE we bought the tickets. He filled it out accordingly. So they say we had a preexisting condition!!! Our actual travel date was to be the 12th, not the 1st!!! Crooks, that's what they are!!! Obviously, others have similar experiences and so they rate a one star with LOTS of people who take the time to warn other buyers!

Where do I even start... For starters, I have never been more dissatisfied with any company's customer service. When I filed a claim on August 13th, I was assured a response within 10-15 days (let's just say I had to contact AIG well over a month later to even have a claims adjustor review my claim). It is now October 21st and I have yet to receive a savory resolution to my well-overdue claim. The protection plan I purchased assured reimbursement of the Insured in the event of trip cancellation due to unforeseen “Sickness or Injury of a Family Member not traveling with the Insured.” When my grandmother had a stroke, AIG conveniently ignored the terms of its protection plan which I made the unfortunate mistake of purchasing. They are AWFUL at communicating and will NOT review any email correspondences until you call to follow-up and ask if they've received your correspondence. The adjustors are BEYOND unprofessional and rude.

I bought airline tickets thru Expedia with AIG travel insurance to protect against the possibility of having to cancel flights to the Bahamas during the hurricane season. I also bought travel insurance from a different vendor to protect against losing the Resort expenses. The worst happened as hurricane Dorian destroyed our destination resort area in Freeport. The resort insurance reimbursed our resort expenses with no issues. AIG declined to pay as they came up with some fine print requirement that was never obvious. It was a textbook example of a greedy insurance company that weasels out of payment using some obscure fine prints! Stay away from this company in favor of more honest vendors!

I bought the Travel Guard insurance recommended on Expedia for flight to a wedding. On the way back, we had to change the flight because one of us got sick. I tried to file a claim later; apparently you need a doctor's note with official diagnosis??? What the heck? It's really not necessary to go to a doctor for a stomach virus, and the cost of the doctor visit makes the travel insurance not even worth it. So, AIG didn't honor the claim because we didn't have an official medical diagnosis. It's just one of those "gotchas" where you think you bought something helpful, and it turns out it's not actually helpful at all unless the situation is really extreme. Just make sure you read the policy carefully and understand what you're going to need to go through and all the paperwork you'll need to provide in order to actually file a claim - in many cases it's probably not even worth the hassle.

I selected this insurance plan after never purchasing or seeing the need to purchase travel insurance for the first time. I had a severe traumatic event occur in my family and required CPS and a few other agencies involved with the family members I was going to visit. Obviously after our family tragedy, I had to cancel the trip. Ms. ** the adjuster told me to get some paperwork from a counselor. After trying to validate the request, I responded to her e-mail only to have it bounced back on auto reply. More time wasted on phone calls, sitting on hold during my lunch break at work. 5 days wasted and a loss of a 600 dollar plane ticket in addition to the 50 dollars I paid for this garbage insurance policy.

I bought 4 tickets through Orbitz back in March of 2019 to travel to Mexico in July 2019. I bought insurance like I always do because I am active duty military, so, if for some reason I am not able to make my trip due to military training or something else, then I just cancel. I only cancelled a flight once before but sure I was happy to get my money back, which by the way, it was not insured through Travel Guard. This time, I did not think I had to cancel my flight but sure enough, almost two months after I booked my flight I received orders to go to Korea in June so, I had to cancel my flight.

We booked a flight on Spirit Airlines and during the booking a AIG Travel Guard pop up kept blocking our confirmation process. We never consented to any travel guard purchase yet lo and behold they took $25.00 out of my account illegally. The process is scandalous and I recommend to everyone do not buy the insurance and check your account after booking a flight. Because they will charge you without your consent. DO USE TRAVEL GUARD!

Claiming you are a travel insurance company 24/7/365 and marketing yourselves as a company that insures travel, should be just that. Insuring ALL travel. I find it humiliating and unreasonable to have to submit a medical diagnosis explaining that I had an annual exam come back with a possible scare for cervical cancer. If I buy insurance, you (as the insurance agent), should stand by the cancellation, regardless of the reason. Charge a fee if you must, for insufficient "reason"....but pay your clients their cost. That's why they purchased your insurance.

Booked a flight 6 months in advance, yet cannot receive a refund for work related issues. Only reasons allowed: death of insured, sickness??, or uninhabitable living conditions. This is BS. This is a scam.

Please do yourself a favor and don’t purchase a Travel Guard policy under any circumstances. I filed a claim on August 6, 2019, with all the legitimate documentation and didn’t hear from them for weeks. I called several times and got the runaround and several empty promises. I finally received a call from a claims adjustor denying the claim, because the documentation was not valid. When I purchased the policy the terms and conditions were not revealed to me when I clicked on the link. I was only able to see the amount that I would receive from Travel Guard, once the claim was processed and settled.

Signed up for this insurance to "protect my investment." I should not have bothered. My flight sat on the tarmac for 4 hours. Pilot and co-pilot were then taken off the plane by the police. (Another long story.) Back in the terminal we were given the usual runaround. "No more flights today, no more flights tomorrow. We can get you there on Sunday." (Five hours before our return flight was due to leave!) Ended up being re-routed to another city. Slept on an airport floor for 6 hours. Finally got on a plane heading to the right airport at 6 AM the next day. Lost an entire night in a hotel. Delayed for over 15 hours. Filed a claim for the hotel. Travel Guard's response: "You are not covered." No need to say more. Don't waste your money. Just a sham.

Not being sure as to my return date / airport, I bought this insurance because the banner ad said they covered "cancellations". Well, my date and airport plans did need to change, but when I called they denied coverage. They will only pay out if you meet the extremely finite reasons, not if you change your plans. Now not only am I out the cost of airfare, but also the useless insurance fee. Their ad on United's website is completely misleading and should specify that it does not cover cancellations by choice.

I bought the travel insurance when I purchased our flight tickets with Expedia. I had to cancel trip due to our flight back being cancelled. The flights offered in its place wouldn't work for us so I cancelled entire trip. They denied my claimed. The travel insurance policy is very tricky when explaining what the coverage is. I will never get insurance with this company again. Not only am I out the cost of tickets but also the money spent on the insurance. It's a total joke.

We got stranded because of an issue with our rental car. I called the number and was advised to let the rental company handle it. But to keep all the receipts for additional expenses we incurred and then file a claim. We lost a day, 2 nights of non refundable hotel transactions, a ferry, and a tour. I submitted everything with receipts and after 3 weeks have been denied because they don't cover interruption, only any actual damages to the car. But, when we returned the car the girl claimed that a little mark on a tire required us to pay 500 pounds. Again 3 weeks to get a answer from AIG. Even though now that rental company wants about $300 from us, AIG is sending a check for 202. It's very frustrating.

I bought the Travel Guard Gold Policy insurance for my trip. It has a $500 coverage on personal electronics equipment. During my trip, I have an unfortunate accident and dropped my camera and broke it. I filed a claim in June after I got back from the trip with all the documents they asked for, including my original receipt for the camera and the repair estimate from a camera shop which indicate it can not be repaired and the camera cost is $500.

Scammers. I bought travel insurance to protect my money in case I was not able to make my trip. Well I had to cancel my trip and now these people are not giving me MY MONEY back. I won't be going through Expedia again because this is the insurance place they use.

I was led to believe that a trip that needed to be rebooked due to a passport issue could be rebooked without a problem. That was incorrect. However, what made the situation even worse was that after speaking to multiple representatives from the company, no one mentioned that this was a possibility when I repurchased a second policy for the rebooked trip. I was initially happy with the service I received while at the airport explaining to a representative that I was unable to board my flight. That quickly changed after receiving an email upon return from the rebooked trip that I would not be reimbursed for the rebooking of my trip through my travel company or the airline. That savings would have covered the cost of my insurance. Next time, no insurance! I would have saved money!

Bought AIG Travel Guard for my trip to Jamaica over Labor Day weekend. Being in SoFl I knew the risk of a hurricane ruining our plans and lo and behold hurricane Dorian was threatening SoFL. I cancelled our trip after realizing that while we were able to fly to Montego Bay.....getting home would be a challenge. This POS business declined my claim citing that it wasn't in their descriptions for a claim. A ** HURRICANE IS NOT A GOOD REASON TO CANCEL OUR TRIP. If I could sue them I would....but I'm filing a claim with BBB and Consumer Affairs.

I purchased 5 tickets to China through Orbitz and purchased Travel Guard. Specifically, Travel Guard lists this before you order:

My wife and I purchased AIG Travel Guard insurance for a Danube River Cruise and a week in Paris. My wife became critically ill with Pneumonia and diverticulitis and we had to cancel the trip. I have filed a claim and submitted Doctor's reports, itinerary, and all supporting documents. Weeks have passed and AIG hasn't responded. AIG appears to be playing a game of delay, delay and delay. I strongly recommend against using AIG for travel insurance.

I bought trip insurance for a family trip to Europe. Our flights were delayed and we ended up missing our train connection in London by hours. The tickets were expensive and became even more expensive when we had to pay out of pocket to rebook the tickets in person once we showed up. I placed the claim with Travel Guard right away and have had great experiences in the past, but I've since called three times and our claim is still 'under review'. I'll definitely be shopping around next time I am looking to buy trip insurance.

I had to cancel my ticket due to work obligation. They denied my claim. While when I bought it all visas protect your trip. It's fake. Read all terms before you purchase. I regret doing business with them...

Filed a claim with this company after the airline lost a bag for two days. The company claims they'll cover $500 of purchases made due to delayed luggage. First, every time I called one of the phone numbers they provided to me, the person told me I was calling the wrong number/office/business. Nothing but runaround. Filed the claim online and there it sat, not being processed. Emails were ignored. This company is nothing but a one-way conduit for your money to go to their pocket. Don't expect ANYTHING in return.

I recently booked a one night stay in a hotel for a yearly family reunion with a no refund policy in place so I added Travel Guard cover thinking this would cover most circumstances that might occur. For one reason or another illness included the reunion had to be canceled. I contacted Travel Guard and they said I was not covered despite it printed in black and white on their website this eventuality was covered. Their website is wording misrepresented. I would urge people to seek a more suitable travel insurance. I will never use them again.

I purchased trip insurance from Travel Guard AIG in January of 2019, for our vacation from July 13th to July 27th. The insurance was to cover the cost of the cabin we rented in the Adirondacks of New York. The renter is a private couple and we had rented from them for years. The reason for the insurance was that my sister who is 82 is not in the best of health and if it ended up that we could not go we would be covered for the cost of the rental. We did go but after three days my sister became very weak and was having trouble breathing. After consulting with the doctors, it was determined that we needed to end our vacation and return to Rochester where my sister could get a needed blood transfusion. Seemed simple enough to me and I filed a claim for interrupted vacation under the Travel Guard Policy.

This company misrepresents their product. I insured $100.00 hotel stay. When I had to cancel due to illness from a change in my medication, I discovered that to get that they wanted me to go visit my oncologist and get a note. For real? It would cost me more than $100 bucks to take time out of my day get a note. Absurd. This is a joke. Don't buy it. I told the rep after 15 minutes on the phone - "You know what? You win. I give up. You did exactly what insurance companies do - make it so inconvenient to get reimbursed that people finally throw up their hands in disgust and give up. Nice move." It is impossible to get my money because with three or four hours of work involved at minimum for the claim, the cost to me in lost productivity is more than the money I would receive. And what right do they have to my medical records for a cancelled hotel visit anyway? Truth is I could call my physician son and fake it, but unlike them, I am not a liar.

After having medical issues with my wife who had recently given birth, my family could not make our scheduled flight. In short we lost $3000 and they did nothing to support us. Other than mislead us to get doctors notes that wasted even more time and money. Even after providing they still found a way to not give us our money back. What is the purpose of insurance if you can't even use it?

I bought tickets for my kid and I through Expedia and purchased the insurance. 12 hours before my flight American Airlines canceled my flight with no reasoning. I contacted Travel Guard to get my money back and they refuse to give it to me. American Airlines canceling my flight is not covered under the policy I paid for. So I am out $900 plus the money I spent driving 12 hours to get to my cruise on time. I am disgusted with Travel Guard and will never purchase with them again.

My husband was laid off due to reduction of force two days after we purchased an airline ticket for him to fly home to watch our daughter compete. We canceled the ticket and filed a claim. They’ve done used every excuse in the book why they won’t pay... They're a joke and getting rich off people like us! Purchasing their insurance is like lighting your money on fire!

I had a doctor’s note advising me not to travel due to pregnancy and I did not receive a dime back for canceling our trip. So what this company is saying is that I should ignore my doctor’s advise and travel anyway risking my health and the health of my unborn child. I would love to see anyone else that works at this company in my situation go on their trip and completely ignore the advice of their trusted medical professional. Unfortunately, even if we were that irresponsible, we wouldn’t have been able to go on our trip anyway because of the length of time I took to hear back from anyone about our case. It wasn’t until a week after our flights were scheduled that we were informed we would not be receiving any help from this company. This experience has made it abundantly clear that they are in the business of screwing people over and doing everything in your power to make it seem like they want to help customers when really that is their last priority.

We bought airline tickets to Orlando for wed 4, 2019. We were going to a conference, which has been canceled because of Hurricane Dorian. We bought insurance from AIG under the thoughts that you can do trip cancellations. Well a Hurricane and our event being canceled is not good enough. We have to wait for the airlines (spirit) to cancel that day in order to qualify to even make a claim to get our money back. They are misleading in their words in making people think that cancellations from the purchaser is included. Hum Guess Not.

On a bucket list trip with my daughter and granddaughter, my daughter and I got food poisoning. That involved 2 missed day trips in Paris and visit from the hotel doc. They are denying all the claims.

I missed my flight for NY and I had 3 tickets, hence requested for compensation for return flight cancellation at least. They said, they consider the whole trip only hence didn't get anything back. So no point in paying additional for insurance (worthless!). Wasted insurance money on 3 tickets. Please don't go by their advertisements at all, these are just to fool you!! Please go for any other insurance than this one. First of all process is way slow, customer care is impatient to listen to you at all. Not sure if the case reviewer spent a moment to review my case or their policies are all BS. Very very bad experience, would give 0 star if I could.

I have tried since the beginning of August (2019) to cancel and receive a refund for a trip that I am not able to attend and have since been denied. I have jumped through all the hoops that I was told to jump through and have called repeatedly (to customer service because conveniently my claims adjuster isn't available to speak to) to have the matter resolved to no avail, I PURCHASED INSURANCE FOR THIS EXACT REASON. I am extremely dissatisfied that a company would pose as "travel guard" then turn around and refuse to uphold the very thing they claim to do. This company is BS, liars and thieves. Expedia should be ashamed that they do business with a company such as this.

Do not use this company. I purchased travel insurance and had to cancel for several reasons. They go out of their way not to refund you your money. There is a lot of loopholes that is not mentioned. They delay the process by asking you for new documents every 15 days. It had been over a month and I am still trying to get my refund.

I purchased AIG travel insurance for a recent trip to Bermuda. I used an outside company source for booking my trip i.e like Expedia, Travelocity etc. You are not given details as to what they won't cover but a basic "trip interruption or cancellation". So you click and choose and hope you don't have to use it. Unfortunately the 3 people travelling with me had to cancel due to emergencies. Two couldn't leave the country and the other had flooding. So I had to cancel my vacation as well.

Cancel for any reason is a hoax. Not satisfied at all and will never buy this insurance again. I had a trip cancel due to the destination changing the dates and this was not honored. It’s ok it’s $100 so whatever. I think reputation isn’t worth the $100 but somehow they do.

I had traveled to Vietnam in May, I had fainted at the hotel and was taken to the hospital by ambulance. The claim was submitted in June and up to now I have not received any settlement of the claim. After asking me for numerous reports and documents, they have not settled my claim. What they claim in their website that all claims settled within 3 days is inaccurate. They mislead consumers. They are very fast to collect your premium but find ways & means not to settle the claims.

It has been 5 months since we travelled to Cancun Mexico. We purchased the travel insurance plan through Expedia. Seemed pricey but convenient. Our 4 yr old Toddler got a facial infection. We had to cut our trip early and fly to Boston for treatment. I have spent hours providing documentation, Receipts, medical information and letters.. They will find any reason not to pay. Procrastination and Horrible customer service as you never directly speak or work with an agent or adjuster. Call center does the best they can but not their job.. Never again.. I recommend finding different insurance or going without. With the time and aggravation spent I could haven’t just eaten the few grand. So deep into it now I’m held hostage and Medical bills are about to go to collections waiting on AIG.

Just don't purchase the insurance, fly without it. I'm saying this cause it's like any other insurance. They'll find any loophole possible to not pay. Also, it'll take you 3-6 months to find out, that you wasted your time sending in documents and filling out paperwork. I do not recommend.

I'm disabled and due to medical circumstances I couldn't use my ticket but do they care? No. Another trashy rich business that won't even cough up 150 bucks OWED to me. This is a disgusting bunch of rich jerks and again typical corporate places don't wanna dish out a penny. 150 bucks. I sent in proof and these jerks won't help me. Why did I get insurance if it doesn't cover? DO NOT USE THIS COMPANY UNLESS YOU WANT TO GET SCREWED.

Never ever buy an insurance from this company, I bought an insurance and it was told in the policy that it covered any loss in case of an airline failure or delay for 24 hours. When I made a claim they never ever gave me nothing. Instead they send me a letter that, "We wont give you anything and your file is closed."

I purchased a ticket with insurance to see my family before I deployed to Kuwait. I could not make the flight due to military obligations, they are giving me the run around about my refund. Not only did I not get to see my family they are taking my money too. What was the point in buying insurance if I can't get refunded. I'm not even asking for more money I just want my ticket refunded.

AIG Travel Guard - Read the fine print. Our experience now says read every little word. Our carry-on luggage was stolen in the Rome Airport (not a friendly place) In our carry-on we had our passports, jewelry, books. (Read somewhere never to put your valuables in your checked luggage). Well I think all the crooks read that article too.

My husband and I purchased travel insurance to cover our $5,000 in airfare for a recent trip to Europe. Everything was wonderful until our very last day when my husband was pick-pocketed on the Athens subway. This happened at 4 PM and our return flight departed at 8 AM and we could not take it without a passport. We had to book a new one-way flight and go to US Embassy for new passport. I was glad we had travel insurance however they are denying our claim.

I purchase insurance for my flight thru them. I lost my job and had to cancel my flight. I cancelled my flight 2 weeks before the actual flight. The airline honored my cancellation and refunded me 75% of my ticket price. AIG's portion was only $200.00 and they decided to deny my claim. Apparently, you can cancel due to illness but not loss of job. Why even buy insurance if they are going to deny your claim for what you consider to be a valid reason. I will never purchase insurance with them again. It's just a rip off.

TravelGuard is a waste of money. We had a trip interruption upon returning home from a cruise in June. All three kids were sick with high fever, respiratory illness, and stomach virus. Not well to travel. I called TravelGuard on Saturday, the day we were supposed to head home on overnight Amtrak train. He said that we were covered for trip interruption and to call claims on Monday. I had to pay $75 to change Amtrak ticket and $298 for extra night at hotel. I submitted all paperwork, including original itinerary and changes made on Saturday. I have video and pictures of my kids in bed sick.

Me and my wife purchased a trip via Expedia. Unfortunately, we needed to interrupt our trip because of some health problems, my wife ended up at emergency where we discovered that her cancer came back. Since we couldn't change our existing tickets we ended up to purchase new once. She past away shortly after. The incident happened in February. The claim was opened in March after we started receiving the medical bills, now is end of July. Still nothing.

I've had back problems for the past 2 yrs which is why I purchased the insurance for an airline ticket. My back flared up about 3 days after the purchase in which I immediately knew I would not be able to confirm this flight. Upon calling each time and waiting a minimum of 20 minutes each time, I sent in chiropractors doctors letters at their request, but that was not good enough, they then sent me a doctors form to prove he was a doctor and all my personal information of when I was treated and where. Do you really think doctors have the time to deal with this. I certainly don't. Take the money, but I will never do business with them again. Horrible, horrible, horrible.

I purchased tickets for my wife who was in another state for her grandfather's death and funeral. I purchased tickets for her to fly to my son's graduation in NC in less than 2 weeks. My wife ended up having to go to an estate lawyer meeting the day she was supposed to fly out, so the flight had to be changed. I provided Travel Guard the supporting death certificate and letter from the lawyer showing the meeting date. Travel Guard denied the claim stating it did not meet their guidelines. So this insurance is only applicable for death or a medical reason. I wasted $59.00 and I am out over $700.00 for the airline tickets. I will NEVER purchase TravelGuard, (AIG), trip insurance again! Wasted $118.00 on both tickets!

I booked a week long flight through Expedia recently, paid for insurance, and only wanted to change destination from one city to another since the cities are approximately 3 hours away. I booked the flight to the first city in error not realizing its distance from where I actually needed to be. Travelling with a minor can really be tasking. We had zero way to get to and from the airport, limited financially, and transportation ran me as much as the insurance. Furthermore, with the process of completing paperwork, calling to cancel flight, providing proof/evidence for claim. I felt the process was too drawn out.

I purchased Travel Guard /AIG insurance for my trip to the Philippines. I was bitten by a dog while there but could not get my rabies immunoglobulin and vaccine series due to not having the option on the small island I was on. I immediately started the series upon return to the United States. They are not covering my claim because they do not cover Medical care received in the United States even though the incident happened while on my trip. I would give zero stars if I could. After using them countless times, I am never using them again!

I live in Bangkok and was travelling to America. Carriers over here in Asia can only get you so far as you generally have to bridge with CONUS carriers in order to reach your destination. So Bangkok to L.A., L.A. to Dallas, Dallas to L.A., L.A. to Bangkok. It's a logistical nightmare to plan this type of travel. I purchased the insurance thinking that I wouldn't have to prove my business partner lost a ** or something or my dog died....seemed reasonable to pay $19 to have some reassurance... In comes AIG.

Be wary of the cancel for weather piece. I missed my fight due to a snowstorm and road closures - I couldn't make it to the airport. They won't reimburse me for my new flight or old one because I don't have "proof" of the weather. I sent them weather links but that isn't good enough. They want proof of road closure, yet they can't seem to tell me what will suffice as proof!! I asked multiple times what they needed for proof and they can't tell me, just that I need proof.

We had several problems with AIG Travel Guard. The problems included: misrepresentation of the policy, catch-22 within policy exclusions, and failure to distribute settlement despite clear liability. Misrepresentation of the Policy - When we purchased the policy through Expedia it was written as "100% Trip Cancellation". We believe the average person would interpret that to mean any trip cancellation would be covered. Unfortunately, that ended up not being the case.

I cancelled my air ticket within a day and I got refund for my air ticket. Tried calling these guys and call went on hold for hours. Don't take this insurance and waste your time. I prefer instead of purchasing insurance from these guys better fly without insurance. Useless insurance company. I prefer to give -1 rating if possible.

Today l cancelled my mother's Mrs. Lorie ** trip even though they took her money to cover a Trip to Toronto from Gatwick airport. The total cost was £409.52 plus £31.00 insurance. Not any one time did the site say that they DO NOT INSURE AFTER THE AGE OF 80 AS MOTHER'S BORN IN 1935. IT TOOK HER MONEY ANYWHERE. TODAY THEY SAID THEY WILL ONLY REFUND £31.00. This is an insult. Please full refund the total cost of the trip. Also of four hundred and nine pounds and fifty-two pence. This is an insult to both me and my mother.

AIG is indeed a money grabber. I bought a travel insurance through Expedia, turned out to be they don't cover anything at all - read their small prints. Service is bad, nobody picks up phone call nor answering email. Better give your money to the poor. Never do any business with AIG again. Lesson learnt for life.

I purchased the insurance and plane ticket Feb, 2019. Was not able to take the trip in June. Cancelled a few weeks in advance, waited a month to hear back that my coverage was denied. Seriously waste of time and money, save your money and don’t buy this insurance.

Prior to my trip to Peru in May, 2019 I paid $379 for the Travel Guard Silver Plan. When I returned I filed two fully-documented claims for small amounts adding up to less than $200. Both of my claims were denied. The first claim was for a hotel required due to a train strike that prevented me from reaching my destination in Peru. I had to pay for a second hotel on the same day. The second claim was for a missed airline due to a pre-arranged taxi not arriving at my hotel to pick me up. It seems as those this company will not pay a claim unless the specific reason for the claim is spelled out in the small print of their coverage document. It also took more than a month for my claim to be processed and denied.

My husband helped me move to FL last September for health reasons but he stayed in CO until his mother passed from late-stage Alzheimer’s. She passed late April. He was going to stay in CO longer so I purchased round-trip ticket for him to visit me over July 4th. Because I purchased the travel ins a week after her death, they would not refund for her death. Understandable, however, the underwriter said if I provided a letter from the nursing home with her date of admittance and diagnosis, she would refund my money. I thanked her for being willing to do that for me and went through more brain damage and the 2 wks more just to have them deny it anyway.

I had a cruise booked for June 2019 to Cuba, which was cancelled 11 days prior to my scheduled departure date due to newly enacted U.S. government restrictions prohibiting cruise ship travel to Cuba. I was refunded my money by the cruise line and travel agency, but AIG refused to refund my Travel Guard policy fee. They gave me varied reasons over a week of back and forth communications, all of which were ridiculous considering they never paid out any claim and the cruise was cancelled due to no fault of my own, which is why the policy was purchased in the first place. They made it clear to me that they just didn’t want to refund me and I will never purchase from them again. I will also make sure that everyone I know that travels are aware of my negative experience with AIG and their Travel Guard Policy.

It's as simple as they do all in their power for not to cover you. They request some documentation and try to stay as strict as possible to avoid any coverage. This is the worst experience I have ever had in my whole life. Don't buy this!!!!

I purchased expensive insurance knowing that I may have to cancel. Upon cancellation I went through hell and still did not get a refund. I did however do so much paperwork so far that I might as well be working for them full time!

Booked a trip last fall. Found out one of the travelers was pregnant. The region the trip was planned for was the highest risk level for the Zika virus which is known to cause birth defects. The CDC has a travel warning asking pregnant folks or those intending to become pregnant within a year, yes a whole year, not travel to this country. This cruddy company would not refund the airline tickets. Thankfully Hotels.com is an amazing company and refunded the hotel payment with NO questions or problems. AIG you stink. Absolutely biggest waste of money and time with this company - DO NOT USE THEM! Not caring about risk to an unborn child and mom is unconscionable - you should be ashamed of yourself AIG!

DO NOT USE THIS COMPANY, their insurance policies are whack, and they didn’t give my boyfriend back credit or a refund! His work schedule changed and they just stole his money. DO NOT BUY FROM THIS COMPANY.

Booked a vacation for my wife and I and had to cancel due to flooding and after days of phone calls they told me I was not due a refund unless my home was destroyed due to the flooding so It didn’t make a difference that I couldn’t travel there due to it.

I wanted to cancel the ticket I booked because I won’t be able to make it out on the airport I booked it at and I had to extend my stay. I called them several times and they kept telling me to call the booking company I booked at to cancel and the booking company tells me to call this company for my cancellation plans. I was sent back and forth on the phone between companies and wasted my time. Also this company did not want to cover the booking I wanted to cancel because they say it’s not included in their policy when they claim that they cover cancellation plans. So this flight insurance is definitely useless especially when you actually need it. They look for loopholes for them not to reimburse your ticket.

Booked a flight through Expedia with AIG insurance - lost $566.91. I booked a flight through Expedia to go to Israel. Because I was traveling halfway across the world I put the AIG insurance to protect my investment. The airline went bankrupt and when I made the claim they said that they couldn't do anything about it. I made a claim through Expedia, through my bank, to AIG themselves, it's been 2 months and 25 days but they have not done anything about it.

Changed flight dates within the first hour of making them. Wanted to change the date of insurance which I purchased. I was told I forfeited the money. Don't waste your money. I was not asking for my money back. I just wanted them to change the date for the coverage. BEWARE! This company is a ripoff and not customer friendly.

I was taking an international trip with my wife, and we purchased this travel insurance. The person we planning to visit DIED in a motorcycle accident, and the travel insurance refused to reimburse the trip because he wasn't technically a "family member" according to their narrow definition of family. I pointed out that the whole purpose of the trip was to visit this person, and the insurance company didn't care. AWFUL CROOKS! Do not purchase this product!

I planned to fly from Chicago to Orlando on Sunday May 19, 2019, but decided to fly earlier. When I called the airline and asked to change the reservation they said Travel Guard will not cover this and I have to pay for another ticket price. When I called Travel Guard, they said the insurance does not cover changing reservations and I need to call AIG insurance. When I called the insurance they said changing reservations is not covered even though in the insurance coverage they say I can even cancel the trip at any time. I had to call Frontier Airline which they charge you for everything thing including carry on bags and changing reservations by phone. I paid full price to change my existing flight departure date. Do not waste your money buying travel insurance, it is definitely a scam.

This has to be the WORST company EVER!!! No seriously!! I put my claim in April 18th and it’s now May 16th still nothing. So I call them and after being on hold for an hour (the hold time is always long) the agent asks me for my address. Then she states that they SOMEHOW have the wrong address by 2 numbers?!!! "ARE YOU FLIPPING KIDDING?!" is what I told her. After weeks of countless back and forth with documents showing my address how could they get it incorrect??! So I ask to speak with a supervisor and she tells Me that their phone lines are down and they will call me back within 24hrs. I never received any email stating my claim was approved or for how much it was approved for and I have still not received a call back. Oh I did receive an email stating my address was updated and a “void request” was sent so once that’s honored the check can be resent and that will be another 2 weeks. Literally they are the WORST!!

So my flight was cancelled. I was forced to re-rent a car, and purchase another ticket. The insurance is frustrating. You might think you would get decent, prompt service but forget about it. The company has a site to track your claim. It never updates. They say you need something, you send it, it never updates. An agent was assigned and emailed me that I need to submit more information that I already have submitted. They don't answers and now that I have a direct line to the agent, neither does she. If you want to wait two months with a frustrating process then insurance is good for you. Right now, I am out $2000 and still have yet to get answers nor repayment since no one returns my calls or emails. Good luck.

We purchased airline tickets on Cheaptickets to go visit my husband's sister who is terminally ill with cancer. We planned on going at the end of May but today found out that her condition has gotten significantly worse and so we contacted the Cheaptickets and said to contact this bogus travel insurance company AIG that we paid for. Well surprise, first they said we had to have her doctor fill out a medical certificate to PROVE she is dying but as the conversation went on, because she has a pre-existing condition, meaning since she had cancer before our flight they won't cover our tickets. Talk about a horrible thing. It's bad enough that he is losing his sister but now we have to eat the cost of two tickets and buy two more to get there or he will have to go alone without me. Stay away from any kind of travel insurance. It's all bogus. Shame on you AIG and your travel insurance. They deserve less than a 1 star.

I got my money back for my trip. Very professional and kind people working for this insurance who care about people. I purchased this kind of protection thru Expedia many time. This is my first time making a claim. I will keep purchasing AIG in the future and I also advise all my friends and family to do the same. You never know when you need it.

Do not buy travel insurance from AIG!!! The process took weeks. Worst experience with insurance ever. After giving them all personal mandatory medical veteran appointment proof, and getting signed physician paperwork filled out...all but your private medical diagnosis, (which I would like to keep private), AIG denied my claim. So now they have all my personal information and a big disappointment, no reimbursements.

I purchased "Flight Cancellation Insurance" which implies that you can cancel your flight if you need to, for any reason. If it can only be canceled due to a documented medical reason it should be called "Medical Cancellation Insurance" which is really what they are selling. Very misleading. I will never book through Travelocity or buy insurance from AIG again. This is a scam.

I purchased an airline ticket and bought the cancellation plan (AIG Travel Guard Insurance). I made sure that military reasons are covered, when I submitted the claims they said that military reason I stated only started on May and since I purchased it April it is not covered. Now it's their word against mine, they changed the policy according to their needs so they could rob you! DO NOT EVER GET AIG INSURANCE!

Filed a claim almost a month ago, have not heard back. No required documents whatsoever, just an email acknowledging the claim and that's it. On their website, they claim 5 to 10 business days to process. Do not believe! It is like nobody is on the other end of the spectrum! It is just a little chunk of money and am wondering now if I will ever really get it back.

My 17 yr old and I plan a trip to NY City for spring break. I purchased my tickets on Travelocity and decided to get travel insurance for the first time. I was so glad I did (at first) because my son suffered a severed shoulder injury playing basketball a week before the our trip. 4 days before the trip the doctor advised us that he should have surgery during the break and as soon as possible in order to prevent further injury. I submitted every available medical document. I just received an email that’s because it was a sport injury they will not cover the $1,200 tickets. It was an accident! What a waste of time and scam!!! Don’t bother with this company.

I purchased travel insurance to visit my grandmother while she was receiving in-home hospice care at my cousins home. I had to stay one extra day to help care for her until she was placed in a home. AIG is asking for notes from her Doctor. I don't have access to that stuff in another state. I hope AIG is put out of business and a class action lawsuit filed on behalf of everyone they have RIPPED OFF.

I had a trip planned and had to cancel it well before that actual trip due to medical reasons. Now they want me to go back to the doctors and fill out paperwork with them and give them access to my medical records. These people are not doctors and should not have access to my medical records, Plus, going to the doctors will cost more than the amount I am trying to get refunded, these people are ** and AIG Travel Insurance is a scam.

I purchased trip cancellation insurance along with my airline ticket through Travel Guard Group Inc. My father died before I could go out to see him, so I canceled the trip and submitted a claim - which was denied. I submitted the death certificate, proof of payment of the airline ticket, etc., and the claim clearly should have been covered under the contract that I was provided - death of an immediate family member. However, I received a call from Alex who told me that the claim was denied because this was a foreseeable event. Are you kidding me? I am extremely dissatisfied with this sham insurance coverage.

AIG Travel Guard is discriminatory against self employed or independent contractors. The US workforce is presently described as 30% self employed. I paid $900 for an airline ticket and was denied a claim because I had to cancel due to health concerns of my 90 year old mother with dementia. I was hit 3 ways because I was asked to leave my job because caring for my mom was taking too much of my time at work. I had to cancel my trip to take care of my mom and now I am unemployed. My claim was denied after 20 days, not the 10 as promised. You are required to cancel your trip before a claim can be filed. So the choice of still going on the trip is gone. Out $900. Out the insurance money. No trip to Ireland. I would NEVER use this company for travel insurance.

My experience with this product is absolutely one of misdirection and misleading. I purchased the travel insurance for peace of mind about cancellation and I need to care for my wife unexpectedly which I thought would be covered for the extra $122 for the trip. This insurance does not cover what they market they cover. You can not cancel your trip; there is no peace of mind with this product unless you die and they pay for your body to be mailed back home. RUN AWAY!

Complete Scam, Don't Ever buy AIG Travel Insurance. Purchased tickets with Spirit Airline to connect to a WOW Airline flight in Baltimore, but the WOW Airline went bankrupt March 2019 and all flights were cancelled and no one received any refunds. I purchased travel insurance through Spirit Airlines in case this issue happened but I was denied any payment when I made my claim. I am completely out the entire flight of both the Spirit and WOW Air even though this is the exact reason I bought this stupid garbage scam product. This was no fault of mine and was totally out of our control yet we were forced to eat hundreds of dollars even though we invested in this travel insurance.

AIG Travel Guard is a joke. Exclusionary criteria, all there in the finest print, allow them to deny ALL claims. I wonder what AIG Travel Guard's payout for claims vs.the amount collected for insurance coverage is? I suspect they would be a good target for a class-action lawsuit given their promise upfront to cover ALL instances of cancellation and their DENIAL to cover just about ANY such occurrence.

While purchasing a flight ticket on Expedia to Dallas, I was offered to add the insurance for an extra charge to protect my flight and cancel my trip at any time. I agreed to pay extra and got the insurance. Now that I really need to cancel my flight reservation and lean on my purchased insurance, it appears to have a problem and I will not get reimbursed. I have exercised my right to file a claim to recover my loss, looks like it is pending and will be pending for next 15 business days.

Do NOT get travel insurance for any reason. It is a waste of money, and will NOT give you peace of mind regardless of how they sell it. This only covers EXTREME circumstances, and they will do whatever they can to get out of paying you. It is all the 20 page policy document. Get a magnifying glass to read every word, because MOST items that will happen to force you to cancel your flight are not covered unless it is a death and/or dismemberment. Usually the airline is nice enough to give you a refund anyway in those extreme circumstances. This is not worth it, and will cause more pain than anything else if you have to actually cancel your flight. This is one of the shadiest types of coverage I've seen for insurance. It is a money grab by AIG. United would do well to eliminate their partnership with them.

Never have I experience such a ridiculous and overwhelming search for information, including years and years of medical history. This truly is their method of trying to get a person to drop the claim. I will not drop it. Soon they will hear from my attorney. Please do not use this insurance.

We purchased travel insurance for an out of country trip purchased through Expedia. During our trip the Airline carrier cancelled our return flights and two options were presented to us: overnight flights which would allow us to return one day later than planned (medically unacceptable in our case), or a 4 day delay in our return (financially unacceptable). We were forced to accept a refund on our original flights and repurchase return flights which required us to leave a day early, spend a night in a hotel, and cost an extra $1200. The Insurance did not cover any of this additional cost. Trip interruption travel insurance had exclusions built into the policy. I do not recommend purchasing any insurance from this company.

I feel like I've been scammed, which seems to be a common thing according to Google with travel insurance. I recently booked a trip to Mexico and on our way home I specifically made sure we had a 2 hour delay to make our next flight. I booked my trip through Expedia and they offered travel insurance by AIG. According to the policy trip delay was covered. Reading further it States any Carrier that causes a 12 hour delay would be covered. Well they denied my claim. Coming home on American Airlines we left 46 minutes late from Cancun but as we all know pilots can make up some time and we arrived only 17 minutes late. Unfortunately there were at least 4 other airplanes internationally arriving too. We were tied up in customs for 2 hours because all these planes arrived at the same time.

SCAM - quick to sell but won't pay out. Their policy states cancel for ANY reason. ANY is not an isolated term, it means ANY reason. This is false advertising at its finest and I plan to take them to court over this. It doesn't matter why we cancelled, I'm not going into any details there because when they advertise cancel for ANY reason, the details become irrelevant. THEY denied my claim saying it didn't meet their criteria but they advertise cancel for ANY reason. Why on earth are they allowed to get away with scamming people out of their money like this without any repercussions?? Please someone with power - do the right thing and bring the hammer down on these scumbag scam artists. Disgusting beyond belief.

I booked a vacation to Copenhagen thru Expedia. My carrier, WOW Air went out of business. Travel Guard, which Expedia offers claims will cover cancellations for any reason, will not pay me a dime. Never buy Travel Guard Insurance! It is useless. AIG is a den of thieves. They gladly take your money and give you nothing in return. Now I will try to get my hotel money back. Wanna bet they won't pay that either?

Bought the coverage for me and my family and AA flights 737 Max was cancelled to Santo Domingo because they grounded the airplane because of Ethiopia air crash. AA rerouted us to Punta Cana with a different airplane model. It cost me additional $300.00 to travel from Punta Cana to Santo Domingo. I filed a claim with Travel Guard described as AIG Travel Insurance. They denied it. A friend that used them before told me they will deny it. And of course they did. Why buy insurance when the coverage is for something that never happens? They only cover what will never happen. It is fraud!! Do not waste your money on this casino!!

I purchased a flight for when I come home from deployment. Our leave window changed. I called the support number, and was told that I rated the refund. So I cancelled my flight and submitted a claim. Then I get a called telling me that I don’t rate the refund. $200 gone to nothing!!!

I had purchased a travel protection plan for a flight with WOW airlines. On the day they went under and my trip got cancelled, I filed a claim for the cost of the ticket, about 655 dollars. I just received notification that their trip cancellation coverage does not cover this. This is the second time that travel insurance I had refused to pay out a legitimate claim, I think I will never again purchase travel insurance, certainly not with this company.

Purchased tickets with WOW Air Dec 2018 through Expedia and added the additional AIG Travel Guard insurance sold by Expedia. Then the airline went bankrupt March 2019 and all flights were cancelled, even then they refused to honor the claim. This is exactly what customers get a policy for, unforeseen emergencies. This had nothing to do with me or any irresponsible action on my part. Very irresponsible company, Please don't fall for the scam.

Travel Guard/AIG will be happy to sell you a policy but don't expect them to honor it in case of a travel issue. They twist and change the explanation of benefits to suit their needs so they don't have to pay you. We missed our flight due to Air Traffic Control issues, thus we lost out on two nights of the vacation we were headed to (Australia). They say they don't cover ATC issues. Yet - they covered the hotel and meals we had to pay for during our delay in L.A. What? Why does it work for some instances but not all under the same issue?

Purchased insurance, business cancelled trip (says it protects against cancellation). They purposely make it almost impossible to file a claim and after this is done their electronic form removes fields upon submission. Wow. In today's age of tech, it is OBVIOUS they are using OLD SCHOOL tactics to completely DEFRAUD the consumer right under the nose of the FTC! Can't wait to see a class action lawsuit! Please invite me to join with the others who lost their money when this happens. Advice - NEVER SELECT THE UPSELL INSURANCE SCAM.

So, bought 4 tickets for family vacation through Expedia along with AIG Travelguard insurance. (I really did not believe I would have to use it, and as a skeptic, I figured if I had to make a claim they would ignore it). I was completely wrong. Flight was non refundable which is why I figured I would get it for all of us. Cost me $144 for all four of us.

Purchased non-refundable rate on CheapTickets for a hotel. Therefore, I purchased the AIG Travel insurance to have peace of mind for changes or cancels. My husband had work related commitments scheduled during our trip and has to be there. I went through the claims process which asked me for a notarized letter stating the reason my husband needed to cancel because of work. We provided that along with other documents.

I will NEVER USE this AIG TRAVEL INSURANCE company AGAIN!!! Had to simply CHANGE my departure date by 2 days on a return trip because my daughter had an emergency issue with her pregnancy. They charged me $75.00 for this change. I communicated to them the reason for the change. They REQUESTED that I provide them with a letter from my daughter's DOCTOR explaining what the nature of her issue was. I advised them of the HIPPA laws. It's been almost 2 months now and I'm simply not going to deal with them anymore.... I will not waste anymore of my time with these people....THEY ARE THE WORST...! Going forward, I will deal directly with the airline. I asked them, what's the purpose of obtaining insurance if you are going to be penalized for using it? DUMB!!!

I booked a hotel on Expedia and purchased this travel insurance. My meeting was canceled and they denied my claim stating that it did not fall within their guidelines. It is a total scam. DO not waste your money on these thieves. The insurance is cheap so they just deny your claim and keep your money. I have yet to read a positive review on these thieves. ** them!

I will never use this service again. Had to cancel a trip 'cause of work and they would not refund my flight. I will not waste my time or money! I’d rather deal directly with the airline. And shame on Expedia for even being a platform to offer this bootleg insurance.

I filed a claim because my trip got cancelled and I don’t know why. I’ve called a dozen times and my case manager, Aline **, has never answered my called. Nor have I got a call back. I sent an email. Still waiting to hear back. Do not use Travel Guard! They will do anything to not pay a claim. They just care about making money.

AIG insurance through Expedia is a nightmare. I purchased two flights through Expedia for a trip to Mayo Clinic. My appointment date got moved up so I had to cancel my original flight. I was told I would have to file a claim to get money back, which I did. I then REBOOKED a flight through Expedia for an earlier flight. I just got notice that both my husband and I's flights are denied because "Seeking medical treatment is not covered"... But if I would have had to cancel "Due to an illness by a doctor it would." ARE YOU KIDDING ME? So the flu would have been covered but going to MAYO Clinic is not. I WILL NEVER EVER do business with Expedia or AIG Insurance again. Steer clear. They just took over $700.00 dollars from me. When it asks for "travel protection" click NO.

Don't waste your time with this nightmare service. If you do happen to need to use it you will be filling out lots of forms, downloading lots of documents and running around getting things notarized. They really want to make it a pain in the butt so you give up which I did. I was just trying to get an airplane ticket refunded nothing else. It was so much paperwork. I spent an hour then found out I need to get things notarized. I don't have time for this.

Purchased AIG Travel Guard travel insurance with a flight through Expedia. There was a problem with my visa the day of travel that forced me to cancel my trip. This wasn’t covered in their policy, apparently, and my claim was denied. Situations like these that are completely out of a customer’s hands are the reasons why we purchase flight protection. They weren’t helpful at all. Definitely won’t make the mistake of purchasing this travel insurance again and other customers should think twice about doing the same.

I purchased travel through Expedia, Wow Air abruptly declared bankruptcy and all flights canceled. Travel Guard is saying they they won’t cover the airline meals and luggage that are a la carte aka piecemeal. This is a total scam! I was told my trip was covered! Expedia and Travel Guard lie!!! Never use Expedia or Travel Guard, use Hopper. All over the news and internet HOPPER refunded customers tickets AND made their new flights!

I purchased my tickets in Dec 2018 for travel in March 2019. Unfortunately I injured myself in January and wouldn’t be able to travel. I submitted all required documents, received an email that it was received and waited for a phone call. During the 4 weeks of waiting, when I called I received professionalism and courtesy each time. I was never contacted but I checked the page often. At the end of the 4 weeks I received an email that was claim was approved for the full amount and 3 days later I had the check in hand. I’ve bought insurance a few times in the past but this was the only time I needed it and so happy that I did.

We booked a flight through Orbitz, AIG was offered as the "travel insurance". We put our entire bit of savings into our honeymoon, got the travel insurance, had to cancel only to be told we cannot get a refund unless I had a heart condition or essentially a life threatening condition. I advised them I cannot travel due to bed rest per doctors orders for my pregnancy and they said that wasn't good enough. So now we don't get a honeymoon.

Bought insurance for a trip to Italy. After several hospital visits along with a licensed professional telling me & them that I shouldn’t travel, I filed a claim. My condition wasn’t covered according to some lengthy paragraph they were reading. When I finally became so frustrated I hung up on them. Their website tells you that you will be contacted by them to discuss your claim... not. I heard nothing until my status changed to “closed” on their website 3 weeks after filing and getting them the required information. After setting on gold with 3 different people for an hour, finally got ahold of someone only to be told it was denied. AIG is an absolute joke. Save your money & run!

Purchased this coverage through Expedia and it actually covers nothing because the runaround you get trying to get an answer about coverage leaves you completely frustrated. Canceled flight surprisingly isn’t covered as we were told by the first person we spoke to and then she said, "I’ll transfer you to someone else," after a half hour hold, they hung up.

I purchased a ticket online. It clearly said refundable. It gave me an option where purchasing insurance not only made it refundable but negated the cancellation fee. The selling point was that the insurance was less than the cancellation fee, so it was a smart purchase as a consumer. The ticket was not refunded by the ticketing company or insurance. Basically I paid for insurance for nothing. It's 2019 and companies shouldn't be able to scam people so easily due to fine print that doesn't make any sense.

If there was a 0 I would review 0. I understand insurance well, and understand that sometimes insurance doesn't cover certain events. I'm at a loss for the benefit of TravelGuard travel insurance. I purchased Travelguard through the Expedia website upon being prompted at checkout. Given that I was traveling to a third world country I thought it would be prudent to have certain coverages. Upon Haiti entering into civil unrest, riots, and violence the state department issued a "no travel" warning and extracted all of its personnel. Airport access was blocked by burning cars and violent protest. This is AIG's idea of travel insurance cancellation is not a covered event.

They want me to consider others that will read this but they didn't consider refunding my money in January after I had submitted all the required documents. Because of my husband's medical condition I could not leave him. I canceled my Seattle flight in December. It is now March and I am still waiting on a refund when I am told I will receive one. Because I changed address in January, I will bite the bullet for that time. From then to now is a little much. My husband passed five days before Christmas. I have heard nothing but words of untruth which led me to file with the Better Business Bureau.

Twice now I've bought travel insurance with AIG Travel Guard and twice they've made it so difficult to collect on the insurance that I will NEVER buy any insurance with AIG again -- travel insurance of any other kind of insurance. It just isn't worth the time or money. What a joke.

Bought Travel Guard insurance for a hotel for a work trip. Opened a claim when found out the trip was canceled. Not honest at all, they referenced something on page 6 of their 20 page insurance document to deny the claim. Company was not upfront by what they cover and the exclusions. Do not give them your money.

Before we left for a trip to Costa Rica we purchased AIG travel insurance. Leaving 2 of our flights were late and we arrived in Costa Rica after 11pm which is not a good time to be entering a foreign country. Our return flight was also late and going thru customs caused us to miss our plane and we had to stay over until next day. AIG coverage & benefits on our policy list Missed Connection & also Trip Delay per insured.

Trip to Canada. Rental car was backed into while we were shopping. Called rental company. They said, "When you return the car just file a claim. There is no out of pocket expense." The rental company charged us $1,000 anyway. We filed our claim, sent in all the paperwork. Called every week! Sometimes 3 times a week! The insurance adjuster Gloria ** never called back. We were told she would call us.

I purchased my tickets from Expedia with the travel insurance they offer as it said my trip would be cover 100% if I needed to cancel, well I’ve never had to cancel a trip until now but I only need to cancel and immediately rebook for a different city to land in and take off from and extend my stay by 3 days. I’m having surgery and the doctor informed me after I purchased my tickets that I needed a minimum of 7 days after surgery before flying back home to avoid complications of blood clots in my legs and/or lungs.

I purchased a travel policy recently and called back today to ask some questions about adding on a hotel to the policy. I spoke to someone named Susan who was extremely rude and sarcastic. She kept reading me a paragraph from the policy in a nasty manner, couldn't answer my questions and when I asked to speak to someone else, she told me everyone was busy and they would call me back in 48 hours. I was really shocked by her attitude especially since the woman I purchased the policy from originally was very nice (of course). I am now sorry that I purchased from them and just hope I won't need them for this trip because based on today's experience and all the negative reviews I'm seeing on this site, we won't have much luck getting our money back.

My wife and I purchased flights to Europe and purchased AIG's travel insurance. After booking our flights, we found out we're pregnant and then two different OB doctors told us to cancel the trip due to risks of the pregnancy. Despite providing requested documentation and letters from both doctors, our claim was denied. To be clear, we had to cancel our trip on 2 doctors orders for the health of the baby and our claim was denied. Furthermore, our Claims Adjustor didn't even have the professional courtesy to call me back after repeated messages. AIG is a disgusting company, don't waste your money with them.

I booked a flight to Costa Rica thru Expedia to get some dental work performed. I took out a AIG Travel Guard flight insurance plan for 70 dollars. Well I have to stay longer in Costa Rica and had to cancel my flight. I contacted AIG. Told them what happened and the customer service representative Brenda ** wanted documentation to support my claims. I went to my dentist who wrote a letter stating my condition of having to stay later and AIG said they would review it. My policy cover sheet states trip cancellation would be 100% covered, so I thought I would be all set.

Do yourself a favour and save the money. You will not get paid out. It is just a total rip off. They will make you jump through many hoops and after a while they will tell you that you did not qualify because of some bogus rule.

Never never never use this insurance. They are horrible to work with if you should suffer a loss. They find a way not to make good on your claim. We used the Travel Guard/AIG car insurance offered through Travelocity. Only use car insurance from the rental company!!!! AGAIN NEVER USE TRAVEL GUARD!

I purchased this policy as part of my United Airlines ticket. I ended up changing the return leg of my flight. I called Travel Guard, and they said I had to log into their website and make the change online. Why? When I never purchased the policy on their website? Fine. I logged into the website and made the changes. I received a confirmation email that it would take up to TWO BUSINESS DAYS to process my request. The customer service rep never mentioned a waiting period. When I heard back regarding my date change, I was told that they would decline my request as the request was not received within 24 hours. Ridiculous. I should have been told this when I called. You feel a little remorse when a policy is unused. But when you don't even get the opportunity to find out whether or not your policy could have been useful? There is no better definition of "waste of money."

I would like to give this company no stars. What good is insurance if it does not protect the one thing it is suppose to protect? I booked my trip through Orbitz. I received the confirmation of the insurance which has 100% trip cancellation. I’ve always purchased the insurance because I am in the military but never had to use it until now. I now have a military exercise that I have to attend during the week of travel. Found this out over 3 weeks in advance so I cancelled the plan tickets and filed the claim. Now I am being told that it will be reviewed but my reason does not justify the cancellation. Why is the only option offered during the time of purchase and why send information stating 100% trip cancellation if this is not the case?

We purchased AIG Travel Insurance while booking a cabin in Tenn. My father pass away and left us with unexpected bills. We tried to cancel our vacation but we were denied from AIG Travel. We still don't know why it was denied. I do not recommend AIG for anything.

We purchased this travel insurance recommended by Expedia rep via chat with Expedia. Was told to buy the more expensive ($100.00 per person) plan because it covered EVERYTHING. Total scam, missed our flight, had to stay in Miami overnight. Got to our final destination the next day. AIG rep told me to save all receipts. Yea... Took a month and a half, first a total rejection of claim, many emails, numerous phone conversations with multiple rude uninformed service representatives. It cost me $435.00 in losses and they finally sent me a check for $200.00. They stated it only $100 per day max. Even though we were affected two days. In my opinion...this is a total scam. I will be contacting the BBB as well as the Attorney General to stop people from being taken advantage of. They only gave me back the $200.00 I paid. Didn't cover any costs or losses. DO NOT PURCHASE!!!

I bought travel insurance for a trip I was taking for the Christmas holidays. The day before I was suppose to leave, I received a court summons that I had to go to court on the day I would be out of town. I then cancelled the trip and started a claim using Travel Guard. I turned in all the requested documents (court summons) and my claim was denied because my adjuster thinks that I knew that I had to go to court and should have booked the trip which a total LIE. The court summons that I received even says the day I received (the day before the flight) it. Travel Guard is a waste of money!!!

AIG Travel Insurance is a scam. I purchased the insurance as part of my trip from Expedia. When you purchase insurance, it's simply a checkbox at the end of the checkout page. My hotel was from January 1st-January 3rd 2019. I cancelled on 12/29/2018 due to a back injury - my doctor advised me not travel as I was unable to move or sit properly (6 hour flight). I uploaded the doctor form.

I bought insurance for a cruise. I was then called to active duty military orders for the days of the trip, so I had to cancel. AIG would not reimburse me a dime because military obligations are not covered in their policy.

Purchased this insurance for an upcoming trip I am making to Florida, for my Son's Graduation from Pilot School in the Air Force. His Captain changed the graduation date, due to the facility wasn't available. I had to purchase new tickets for a week earlier. I filed the claim, and they told me that this doesn't fall under their terms. No one was sick. What a bunch of BS. This is a change out of my control, this is due to a change within the United States Air Force. They don't care. I requested a refund for the insurance and was told no. Unless you are sick at the day of flight, don't bother wasting money. Why buy insurance when it covers nothing. This is a scam. They shouldn't be allowed to get away with this!

I purchased this travel insurance for a flight on United. Then my plans changed, and I needed to cancel the flight. Even with this insurance, I wasn't able to get a refund, partial refund, or credit to a future flight. So this insurance basically did nothing.

I purchased the insurance for a family vacation. We were scheduled to travel in June of 2019. My grandfather passed away in January of 2019. I wrote several emails and attached a variety of documents including proof of critical illness (hospice papers). I went as far as to attach funeral arrangements and a death certificate. The company still asked for more proof that he could not travel. I thought the whole point of insuring the ticket is so that if an extenuating circumstance happens it would be covered. Clearly this company is a fraud.

I've been reading these reviews and my response is, "why even try?" I'm going to Europe in March and was supposed to train back to Amsterdam from Switzerland. I figured I'd fly out of Switzerland instead. Expedia wants $300 plus the other fees to change it. Then I figured, I'd cancel the flight and make a new one; it was only $200 more. Based on all of these negative comments and the chat I had on the phone, Travel Guard sounds like a crock of crap. If you buy insurance, you should be refunded, period. That's why you buy it.

Purchased round-trip tickets for 2 to go to family member funeral. At the same time as paying for tickets, I also purchased AIG Travel Guard insurance. Trip there was OK - but the return trip was NOT. We arrived at the airport early - then found out flight was delayed - then delayed again, then again! Finally the airlines canceled the flight - and didn't have another for 2-3 more days! Immediately phone Travel Guard - who give me an "incident" number to refer to later, then they assisted in identifying a flight later that day with another airline. As you know, last-minute air travel is expensive - $1,100 in this case. Waited around airport - had two meals during the long wait. Flight home turned out fine, with the exception of being 12 hours late getting home! Filed my travel claim with Travel Guard. Didn't hear anything back after a good while, so I phoned them - was told "the check's in the mail"!

Why buy travel insurance if the company doesn't stand behind their policy? Please, please don't line the pockets of this company with your hard earned dollars. I did. My trip for 3 was delayed due to the airline being grounded. Beyond my control, obviously. I had already reserved a vacation home at the travel destination and arranged to meet my oldest son at the airport in Florida. I reserved a car (got charged $$ to change the reservation) for myself and to pick up my son at our meeting place...the airport. He was stranded with no ride, no accommodations because I had no flight until the following evening. I called AIG. They arranged new flights for my 2 younger boys and me to fly out on the original departure date. Different airline, different departure city but worth the 2 hour drive to ensure my oldest son wasn't sleeping on a park bench somewhere. I was told it would be covered by my travel insurance policy.

I purchased this policy for a ticket I bought my mother. My mother is going through a very difficult ordeal and suffered some mental health instability and has hospitalized in the ICU for over a week. When I filed a claim I had to file it in her name despite that had purchased the flight and policy and I was the injured party not her. They denied the claim stating that mental health issues are not covered. This is absurd, what an absolute joke. Do not buy this insurance especially through Expedia. I will never purchase a flight or this policy through Expedia again. Absolutely horrible. If I could give zero stars I would.

We had purchased 3 tickets to Curaçao for a family vacation a few months ago through Expedia, we bought the AIG Travel Guard insurance to feel secure of our purchase. My wife went to her doctor and was informed she was pregnant, she let her doctor know she was traveling to Curaçao and he warned her that Zika virus is a threat to the unborn child. The Center for Disease Control also states “DO NOT TRAVEL” to Curaçao if you are pregnant, they go further to say the the male partners should not travel either do to high risk of infection. When we called Expedia they just brushed us off to AIG, at first they seemed very helpful. We gather all required documentation and submitted right away. This was their response:

I was super nervous after reading these reviews about getting my claim paid. I paid for airline tickets back in June for a trip late November. The day before I was supposed to fly out, I came down with the flu. It was awful. I knew I had to go to the urgent care center to be checked out to see if I could possibly get some medicine that would allow me to fly, but was told no way. They gave me a note and prescription for **. I called the airline and canceled that morning. When I felt better in a few days I went on the site to see what I needed to do. I downloaded all the forms and proceeded to fill out. It took me a week to gather everything and I just uploaded to the site, and kept my fingers crossed.

Hi! My situation is similar to Meredith's. I had purchased a one-way ticket and needed to extend my trip. Since I had purchased Travel Guard/AIG insurance I thought it wouldn't be any big deal. Again - just changing the flight - not cancelling. The reason I changed my flight had to do with my mother receiving chemotherapy. The insurance adjuster had the gall to ask me to obtain a doctor's note proving that my mother had received this. Are you kidding me? I'm supposed to ask my sick mother to reach out to her doctor to get a note? Isn't that against HIPAA laws? When you purchase insurance it shouldn't matter if you stub your toe and don't want to fly - that's why we bought the insurance. No reimbursement was given. What a SCAM!

I looked over every single review on this site and I must concur. AIG Travel Guard is a scam. Beware!!! I purchased Platinum Insurance Protection for a cruise I was taking. While on the ship I had an allergic reaction and saw the ship's doctor. Upon return I filed a claim with AIG. Big surprise they are declining the claim because they want my primary insurance to pay first. They claim that they are "excess" insurance coverage even though that was not disclosed at time of purchase. My primary insurance company is unable to process because the ship's doctor did not provide the proper medical/procedure/diagnosis codes. Norwegian will not provide the codes. Back to the Travel Protection Insurance. This is a complete scam. You would be better just throwing your money away.

Too bad there's not a negative star rating. DO NOT EVER buy travel insurance with AIG/Travel Guard - United Airlines should kick these scammers to the curb. I purchased AIG/Travel Guard travel insurance offered on the United Airlines site with my one-way ticket from Boston to Los Angeles on 11/17/18. Due to a family illness I was forced to change - NOT cancel - my departure date. Same flight, but departing just two days later. United charged me a change (not cancellation) fee of $200, and an airfare difference of $95, telling me that normally they would waive the change fee as a courtesy, but since I had purchased travel insurance they had to charge both, and that they would be refunded. Dream on, United.

Purchased Travel Guard insurance for a flight from Washington-Dulles scheduled for Nov 15, 2018. Winter Storm Avery dumped record snow from my home in Pennsylvania to Dulles making travel impossible on the day of the flight. AIG denied the claim because the airplane departed on time... Not being able to get to the airport didn't matter, even though cancelation due to inclement weather is specifically covered for 100% reimbursement. Avoid AIG Travel Guard, AIG, and their underwriters the National Union Fire Insurance Company of Pittsburg, PA located in New York, NY... Seems they are not very good at honoring their policies.

The Worst travel Insurance company in US. Please buyers, beware! Please don't waste your money. They are scams, deceivers. I bought a ticket with them and they sent me a receipt of confirmation. Because of job related problem, I cancelled the trip on month ahead. After I filed the claim, they called me and said that they do not cover this problem and no way to refund me. My wife and I lost both our money. They will mislead you. I warned you but you can anyway waste your money.

So I purchased my flight ticket from Oakland, CA to Los Angeles,CA and the day before my flight departure I started not feeling well. Come to find out I had the flu and decided to cancel my flight. I then bought over the counter medications to self-treat, therefore did not go to the hospital or speak to a doctor. I felt better a couple of days later, then I filed a claim for my ticket purchase to be refunded. Days later my claim was denied. Reason for denial being "You have to get a physician's note or speak to a doctor before we can approve your claim."

THIS AIG TRAVEL GUARD INSURANCE IS A SCAM! if you buy it, while booking a trip via a travel site, AIG makes look like you will get a full refund if for any reason, if you have to cancel your trip. THIS IS NOT THE CASE! I had to cancel my trip, and filed a claim, which was denied. Reason: Because my reason to cancel the trip does not fall in their Policy Perils. But, wait, I was NOT provided these Perils at the TIME OF PURCHASE! But, AIG continues to say they did provided them to me. All I got from the beginning was an email receipt, with instructions to file a claim if I need to. I have rebutted the claim, complained with BBB and the Insurance Commission in my state, and NOTHING gets resolved! AIG Travel Guard continues to "Play" the "Insurance Gimmicks" with my dispute.

All, do yourself a huge favor and don't bother purchasing a policy from AIG or TravelGuard. In the event you have put a claim in, they will deny it - by quoting small print in regard the point you are seeking reimbursement on. Let me share. Norwegian canceled several routes this November onwards, and I was affected. This group told me to go to the airline for reimbursement, they were shocked I would seek to open a claim with them, but since I had bought a policy including trip cancellation, I was making a claims. The airline reimbursed, but would not cover the cost of the hotel I had booked that was non refundable.

This insurance is definitely not worth the money. My trip to Africa was delayed and I lost approximately $1000 on activities and hotel because of the delay. They refused to reimburse me for those losses because activities/hotels are not covered by their insurance policy. Is that not the point of travel insurance? I would never recommend this insurance company to anyone.

On the middle of a transatlantic cruise in the middle of the Atlantic Ocean, my wife suddenly became ill. It’s a worst case scenario, 1000s of miles from the nearest port and only option is a clinic on the ship. She was rushed to the ship's doctor and they took vitals and did lab tests. In the meantime, I used the ship-to-shore radio to call AIG very early in the morning. The first person took my information and placed me on hold to speak to a specialist. Because it costs $5 a minute, I hung up after a couple of minutes. I figured it would be better to contact them later when it wasn’t insanely expensive to call.

This is the worst insurance company. I had a physician note stating I cannot travel and they denied my claim for flights. Why bother paying for the insurance?! I used Trip Mate for my actual vacation and got my full refund back. DO NOT USE AIG TRAVEL GUARD. They do not want to help you at all. Terrible customer service (they were so nasty on the phone!!), scam!!! Stay away!!! Awful company & I will never ever recommend!

I wish I had read review before purchasing AIG Flight Insurance. It is obviously a scam. It was advertised on Expedia stating that in terms of cancellation, I would be reimbursed fully. I paid 180 dollars for the insurance and I fell sick at the airport on the day of departure and I had to cancel the trip. AIG has refused to reimbursed me stating that the policy does not affect sickness arising from pregnancy (because I am pregnant). Even though I sent my doctors report, stating I was advised to cancel trip due to high-risk pregnancy. I would not advise anybody to pay for this, they would find every means to deny your claim.

My wife and I booked a trekking trip to Mount Everest in Nepal. We bought Travel Guard insurance. While there, we had two issues arise. The first was lost luggage which contained needed trekking gear. Despite a time difference of more than 10 hours, we were able to get a rep on the phone immediately who walked us through our options (which included the option of them covering the purchase of new gear). The luggage issue corrected itself with the arrival of our bag the next day, but it was nice to know we had the green light to buy gear if needed.

I scheduled a round-trip flight to California and decided to buy the Travel Guard insurance in case I needed to cancel since I bought tickets way in advance. Well, the day before I was supposed to fly to California the major fire broke out right where I was traveling to. I was told not to come to the area because the area was being evacuated. Expedia and Delta declined a refund and they gave me the number to call Travel Guard. I filed a claim and was declined. Why do we buy insurance if they are just going to decline automatically? This company is a total rip-off.

I booked a room for my clients and mind you they have the money to spend on a nice accommodations. They went for a small vacation and after spending over 1500.00 in hotel fees not including the insurance from AIG Travel Insurance and the food and beverage tabs, the hotel was booked with construction workers trying to help rebuild the coastal area. Not a problem. The problems was after traveling over 4 1/2 hours and being detoured and finally making it to the hotel they just wanted to get some dinner and go to bed. When they got ready for bed they heard a bunch of commotion from outside their room and the room beside them. They checked and it was several fights and drinking and someone had already called the police. They came. The place quieted down and shortly after that it started again.

We purchased travel insurance for our trip to Iceland (specifically, Auto Damage Coverage for our rental car). After returning the vehicle to SIXT on the last day, the associate proceeded to blame us for a very minor scratch on the car. Whatever we thought, we have insurance. Well, they were requesting payment up front with a credit card. They told us that we'd need to seek reimbursement through our Insurance company AIG-Travel Guard and file a claim with them. Lo and behold, I've file the claim over a month ago and the minor amount of $200 still has not been processed. Our AIG adjuster did not even attempt to call the rental car company for the documents needed to complete the claim. What a joke and slap in the face for protection we paid for.

I purchased flight insurance and for the first time, I needed it. My company is being sold so my trip is not needed. I didn't know they were selling, they didn't know I had a trip planned. Perfect reason to use the insurance. Correct? Wrong. This company denied my claim, hiding behind the fine print. Totally rude employees. When I asked their last name, they wouldn't give it for fear of retribution. Really? They will not let you speak to the same person twice. They will not call you back so if they offer, stay on the phone or you won't talk to that person again. Because I wasn't terminated or laid off as per their wording, "the Insured or Traveling Companion is involuntarily terminated or laid off through no fault of his or her own", I do not meet the criteria. Please stay away from these folks. A complete and total rip off that will waste an awful lot of your time.

After a hurricane hitting Florida we booked tickets with insurance and when canceling flight due to airport being closed AIG would not cover anything. Total waste of money. Disgusting service. I would never recommend anyone using them. Save your money.

Twice I have purchased insurance from AIG, and twice I have been denied. The first time when I missed a trip to stay home with my dying father. The second time after being hospitalized for severe depression. These guys are disgusting, and will NOT hold up their end of the bargain. I am repulsed by their business practices.

I purchased a ticket with United Airlines and travel insurance with Travel Guard for a business event on 9/27/2018 for 5 days. I work in a small law firm so scheduling flexibility is a priority. I was scheduled to fly out on a Wednesday but on Monday we received notice from the court system that scheduling had changed and cancelling my trip was the only option in order to accommodate our client and the court's deadlines. I filed a claim with Travel Guard and was told that even though I had submitted the proper documentation, my reason for cancelling was not valid and not covered. The rep from Travel Guard was rude telling me she would be forwarding me the denial letter. Such a waste of time and money both filling out the paperwork, follow up and waiting 6 weeks for a denial. Stay away from Travel Guard. It is definitely a ripoff.

AIG is a fraud. I will never buy trip insurance again. Claims are not paid for any reasonable situation and the details of when they pay is not clear. My husband has cancer, but I did not use that avenue because the process of getting my claim is so onerous. I used my work commitments that prevented me from traveling, both are true. For medical coverage they want me to get signature from all the docs and document for last 180 days. I feel that the trip insurance is a fraud.

I hate to be that person but I wish I could give this less than one star! This company is a SCAM and I would NOT recommend it to anyone. It's a complete waste of time, money and your sanity. The only way they refund you for anything is pretty much if you show documented proof that you or someone you're immediately related to you dies around your trip dates. Otherwise all they do is have customer service talk you around in circles essentially explaining to you in different ways how you're screwed. It's a waste of money and more trouble than it's worth. If you want your trip truly covered, do some research first and go with a legitimate company. This Travel Guard company is complete joke and now I'm out over $600 with no way to get new plane tickets to my sister's wedding.

My wife was diagnosed with cancer, so I purchased Travel Guard Insurance 1 month prior our cruise departure in the case we will not be able to go - due to her starting cancer therapy etc. Sure enough the therapy started on our departure date Oct. 5 I purchased tickets 3 months prior departure. Well I supply all the info dr. diagnoses. Then Travel Guard told me they will not refund my money for the trip because of preexisting condition. Their 20 page agreement stipulate that simply put it "preexisting sickness is not meet conditions to get your money back". If I bought Insurance before I purchased the tickets they would reimburse my money. How stupid and primitive is that. Disappointed with crocks. AS a info cruise was $2800 and Insurance was $250 anyway.

We recently traveled to Mexico and because of the rain, flooding, mud collapse, we had to traveled come back early. Airlines charged us for return tickets due to change on itinerary. We filed a claim with AIG only to learn that trip interruption only applies to airline flights being canceled or delay, nothing to do with our trip, hence insurance policy sold as Travel Guard! This is a cheap scam that is being perpetrated by most travel websites along with airlines companies. Their idea of bait and switch as long as nobody complains. I will be writing to the insurance commissioner as I don't feel it's fair to us consumers.

I was called into state active duty in Florida for Hurricane Michael relief and support. I was activated four days prior to my original flight and I was told I had to be ill/injured/police involved of some sort and my claim was denied. Currently in Florida helping families that lost everything and this company doesn't support the military service members.

I had to cancel 2 consecutive trips, one insured by AIG/Travel Guard, the other with Allianz. After filling out all of the required paperwork from their website for AIG and faxing to the company, they send me a letter telling me to fill everything out again. One of the things they want is another detailed account of my condition from the doctor. I'm sure he will be happy about that. Don't use this company. Allianz is much easier to deal with, I settled with them a month ago, but am still messing around with AIG/Travel Guard.

I purchased two tickets for a round trip flight from Myrtle Beach to St Louis for a wedding on Sep 27-Oct 2 through Travelocity, and purchased trip insurance through their selected provider, AIG Insurance. Hurricane Florence hit North and South Carolina in early September, and while we fortunately had no initial damage, we live near the Intracoastal Waterway and about 10 days after the hurricane, flooding from rivers in North Carolina had reached record levels and thousands of homes in our area were flooded. On 9/26 the water had risen to reach the foundation of our house, was still rising, and we were subject to a mandatory evacuation order in our neighborhood for flooding danger.

My husband and I purchased tickets from Tampa to Pensacola, FL during Hurricane Michael. Although the policy states coverage for weather events such as hurricanes, the fine print detail is for my PRIMARY RESIDENCE not my travel destination. Huh? So I purchased travel insurance that does not cover my travel. As other people have posted, do not purchase this insurance and do not book through Expedia who has a relationship with this company. Avoid the frustration that I experienced of filing all the paperwork and the runaround on the phone. Wasting my time and money is an absolute one and done for me. Never again.

You are not insured when you buy AIG. My experience is through Vietnam AIG (Ho Chi Minh). They are not a trustable company. I bought my roundtrip tickets from HCM to Boston through tripsta.com, I also bought AIG insurance way before flying out. I had to reschedule my return flight due to my doctor says I cannot travel until another month (back pain). It turns out tripsta.com is out of business so I contacted airlines directly, they say they don't charge changing fee, they also can cancel the return trip but only Tripsta company can change return flight date.

I purchased travel insurance for my flight that I was planning on taking in November. Still nearly a month away yet the travel was in order to visit a friend of mine that is no longer going to be living there. I tried to first explain this to the booking agency that I bought both the flight and insurance through, but I also sat on hold being passed around to people from Travel Guard for nearly 2 hours. I have been informed that simply because the place I was going in pretty much no longer there is absolutely no reason to refund my INSURED purchase.

I purchased travel insurance for a flight from Charleston SC to TX which would happen at the end of my month long vacation in Myrtle Beach. When the hurricane came, I was advised by the rental office that the rental unit in Myrtle Beach was reported as damaged and I was unable to acquire other suitable lodgings so the planned trip to Myrtle Beach was cancelled and the rental company is returning the money paid in advance. AIG denied the claim for reimbursement of my flight. The policy they sell is a practically useless. Don't purchase from them as it covers very little and terms are not very clear. Buyer beware!

I filed a medical claim as my fiance with cancer had an awful reaction to a new treatment. We've been traveling a couple of times a year since her diagnosis 3 years ago. In this case it had nothing to do with her cancer but simply the inability to travel because of unexpected complications related to treatment. GET THIS: I haven't even heard back yet and with every fiber of my being I know I will be denied. This is simply based on the ridiculous service and extremely tricky claims process.

I purchase travel insurance through Travelocity for an AIG travel insurance plan. Unfortunately hurricane Florence destroyed my travel itinerary. Flights were cancelled and I was mandatorily evacuated from the area in which I was at. I ended up having to go to Florida to get a flight back to where I came from. When I filed a claim with AIG, I found out the plan was garbage. It was not at all the policy that I had been given that I was sold. AIG refused to cover what the policy clearly stated was covered. It was not my fault that the natural disaster occurred. It was definitely an extenuating circumstance. I Got No Satisfaction whatsoever from AIG or from anyone else. I will never purchase AIG insurance through anybody again.

Hurricane Florence directly hit my destination, killing over 40 people and leaving Wilmington NC an island. The airport would be open to fly into a few days after the storm but the surrounding area was in a state of emergency. Most of the city had little to no power, roads downtown were flooded and impassible. Since I am not a permanent resident of Wilmington they did not cover my cancellation. Unless you get a life threatening disease or someone you love dies moments before your flight this service is a scam. Expedia was 0 help as well. My advice would be to avoid Expedia and Never purchase Travel Guard. Expedia is useless in getting even a travel voucher from the airlines...(I do not think they even tried and just said the airlines said no) so when you cancel to file a claim there is no going back to the airlines and AIG just confirms your money is gone. It is a blatant scam. I will never use this or Expedia again. Book through the airlines.