Travel Guard Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I purchased AIG/Travel Guard travel insurance in Dec/2019 for a flight I was taking in late Jan/2020. I had to cancel my trip because of complications arising from my dad's death last year. I cancelled my flight and was told there would be a penalty of $200 with the airline but that my flight insurance would cover the cost. I phoned AIG/Travel Guard insurance and they said I would have to file a claim with them. I looked at the claim and they wanted my dad's death certificate and social insurance number. Why the heck do they need that stuff? I spoke to a lawyer about this and he stated that I didn't have to give that info to some unknown insurance firm.

Due to limited space, we'll do our best. Our final leg of a return trip took us through Chicago O'Hare where we were stranded. The American Airlines captain had his aircraft backed away from the gate 10 mins early, leaving 24 passengers stranded, all of whom wound up at the AA Service desk. Ours was the last flight home that evening. Not wanting to stay, my wife and I picked up a one-way rental vehicle and set out on a six hour journey. In addition to the vehicle, fuel was purchased.

Beware using this firm. Orbitz has them listed for travel insurance which I was unlucky enough to have trusted. When I had changes and could not make the flight I contacted Orbitz for my refund. I was directed to contact them(AIG) directly to be reimbursed which was somewhat inconvenient but thought okay just get it done. Once I contacted AIG I was told that it would not even be processed for 10-15 days. Two weeks beyond that I began receiving emails requesting doctors notes relating to me cancelling. At no point did I ever remotely state there was a illness and that I needed my funds returned.

I submitted all documents they needed for missing my trip due to serious health problems, but I'm still waiting for more than 13 months. They never bother to send a piece of paper or Email to prove they are not fraud. It's a scam for travel insurance to waste my money and get nothing.

The claims department has kept me waiting for over 90 days to settle my claim for being flooded out of my insured trip by a "cyclone storm" on October 12, 2019 in Annapolis, Maryland. I provided all documents required (plus offered photos and a video of the flooding) after countless on hold calls and excuses for their delay. I contacted a manager but only received a claim check for $$62.00 for my $970.56 claim. I called seven more times after an average hold time of over 45 minutes and had to leave a voice call back message each time. I will never use them again!

This is the feeling of the first communication you have with AIG. I have an AIG protection policy from CheapTickets as I used to get the protection plan in case of any issues through travelling (flight). This is the first time I got the boarding pass and banned from the border's police counter because my name is suspicion with a similar named person. I missed the flight and claimed the flight amount with AIG. They have drastic problems that convinced me to write this review.

I purchased the insurance while booking my flights. I talked to a customer service representative about getting a refund on my flights which I was told I’d be denied. When I paid for travel guard it stated cancellation insurance and nothing more. They should post what reasons qualify you to cancel prior to taking your money with an acknowledgment check box. This is a great way to scam people out of money. Great Idea to whoever came up with money scheme.

After a head injury in Athens, Greece that required 48 hours of MRIs and exams to be allowed to fly, you disallowed the hotel/food expenses. Should we have sat in the ER for 48 hours, sleeping there and not eating? Ridiculous!

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.