Travel Guard Reviews

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.

I bought TG insurance for a trip 3 months in advance. My doctor told me I would be fine to travel by the date in question. As it happened, I took a turn for the worse and was unable to go. The person who handled my claim was rude, cold and stated that since I had “pre-existing” condition, I could not be reimbursed for the tickets. I guess the insurance would be great if you are 25 and in perfect health. But if you are older like me and have diabetes, arthritis or cardiac issues, etc- don’t waste your money.

As the title suggests... stay away from this. A COMPLETE LIE! The policy does not specify any exceptions... and, there are many. You will be dealing with moronic service agents for hours on end. A complete waste of time.

Do not waste your money on this falsehood of travel protection coverage. I purchased for a trip to see my terminally ill mother and was purchased the coverage "just in case" I needed to change plans depending on my mother's health. Well I had to call and try to delay my return trip because my mother was dying and I was not going to leave her. I was told that I could not change my flight plan and would have to cancel return trip and then call back when rebooking and use the claim number they give me. Well all lies because then I was told when I booked return trip that I would need to send death certificate and copy of obituary.

DO NOT PURCHASE AIG Travel Guard Insurance. This company is a fraud. I purchased travel insurance for my trip next month (October 2018) back in April when I booked my tickets. I had to cancel due to a work commitment that was mandatory. Before purchasing the ticket and the insurance I verified with AIG that my trip would be 100% covered. Today it's a completely different story. Submitted everything that was asked for including the letter of verification from my employer for the claim along with all the receipts. I received an email from them saying that was not a good excuse for canceling my trip. If I was sick, dead or someone in my family was dead then I would have qualified!!! I would NEVER use this company again. They are quick to take your money but won't pay your claim. STAY AWAY from AIG/Travel Guard.

I hope this stops a few people from purchasing AIG Travel Guard Insurance so they can spend that money on something useful. This company is a fraud as far as I'm concerned as I purchased travel insurance for my trip this month (September 2018) and had to cancel due to business. I am self employed and my very largest client needed my services the same time as I had booked my trip. AND because I enjoy having a place to live (rather than living under a bridge) I accommodated my client by telling them I would be there for them.

My wife and I had planned to travel to Houston, TX in September 2018. We had purchased a flight cancellation plan from Travel Guard (AIG) for a United Airlines flight that we had booked through Travelocity.com. While we were on our trip, our 4 year-old son was going to be being watched by his grandmother in North Carolina. Unfortunately, 3 days prior to leaving for our trip, our home was projected to be in the path of Hurricane Florence, which on the day of cancellation was a Category 4-5 hurricane.

We bought the travel insurance from Vayama when I bought my plane tickets. From what it looks like, it promised 100 percent refund if we canceled the trip before 48 hours beforehand. It didn’t did not specify only some conditions or reasons, could we get 100 percent back in the heading. We could not guarantee we could take the days off, so we paid 150 dollars just in case we needed to cancel. From their customer service, it sounds like they are affiliate with Vayama, meaning they only provide insurance for them. I called in to the customer service line and after 48 minutes of waiting, I was able to speak to a customer representative. I also called the Vayama representatives that if I were to cancel, the cancellation fee should be paid by the insurance company. (The cancellation fee was 780 dollars to cancel all three tickets). I spoke to the representative from the Travel Guard about the cancellation fee and he said they could be filed under the claim.

This company finds any excuse to not pay out. I have submitted documents for legitimate circumstances, and I get a response back days later describing how they can't or won't pay. They keep your hopes up by telling you that, "If you have this other item, we can pay you." When you send that in, they pull out another excuse. This company is a fraud and should pay for their crimes.

Do not purchase hotel insurance through Expedia. As so many others have stated, they do not pay even if you have a legitimate reason. I purchased a hotel room in Tampa so I could be by my mother's side during a serious surgery. A week before the surgery, the doctors said my mother was too sick to operate on. It two adjusters MONTHS to sort the claim. In the end, they didn't pay a penny. Total scam! Do not pay for the hotel insurance!

I purchased travel insurance from AIG through the airline I bought a ticket from. I needed to cancel the trip a month in advance because work obligations disallowed me to leave. I attempted to file a claim and was denied. I expected this. What I did not expect was after some rigorous research, I found that the majority of people who purchased travel insurance from this company were denied claims though they had much more legitimate reasons to cancel their respective travel plans than I. Natural disasters, family emergencies, illness, etc. The list goes on yet claims weren’t paid to these poor people.

Actually about the only thing that AIG is good for is to waste money. I had wanted to take my mom to Montreal and had made the mistake of spending money on insurance. BIG MISTAKE and a complete waste of time. They have you jump through so many hoops and keep demanding that I resubmit documents which I have already submitted twice. These people are a complete SCAM. Your money would be better placed in a Ponzi scheme.

I recently purchased reservations for 3 rooms at Sonesta Hotel in Cusco, Peru. My family and I were unable to use these rooms due to an 18-hour train delay from Aguas Calientes. Smartly (I thought at the time) I had purchased travel insurance through the AIG travel guard that Expedia offered with this reservation. So I filed a claim when we returned to the U.S. It was denied because our lives were not in peril, we were not kidnapped, we were not incarcerated, none of us were in the hospital. The Terms and Conditions that they list lead one to believe that one can get a refund from an unforeseen need to cancel the hotel reservations. Shame on Expedia for offering a scam to people. And Beware to other Travelers!! Do not sign up or pay for travel insurance offered by Expedia.com and certainly do not ever use AIG Travel Guard!

My plane ticket cost $1,034.60 and $75 for insurance. I canceled because the person I was going to see got pneumonia. I cancelled my flight and they said, "Too bad! You're not getting your money back." Then they informed me that I needed a signed doctor's paper for the person I was going to see.

AIG Travel Insurance/Expedia Travel insurance company suck. Don't never ever buy from them. You paid for the insurance policy and they failed to inform me that the only way You can get the refund for your ticket must be a Medical for you to get the refund for your trip. So many people review stating that they have Medical reason, deaths in family, Hurricanes all with paperwork and the company still denied all their Claim. This company Is complete Rip off. DO NOT EVER BUY EXPEDIA/AIG TRAVEL GUARD PROTECTION PLAN!!! Waste of money for insurance. The customers rule not helpful. It’s better to take $20 and use it to light the BBQ grill??? #aigtravelguard #aigtravelinsurance #expedia #protetionplan #aig #suckcompany #ripoff

Purchased their trip insurance plan since my wife was pregnant, in case something wrong would happen. Weeks before we took the flight, doctors told us not to take the plane because of a placenta previa. Filed a claim, gave them more documents/proofs than needed. A week later, we got a simple email saying the claim was denied, that you need to lose the baby to get your money back! Amazing! To summarize, amazing insurance, amazing people! Just kidding. Never ever go with them. Pure and simple scam.

I booked a room with Expedia and purchased AIG as known as Travel Guard showing that I would be safe with my purchase even if I was to be a no show BUT they denied my claim when I had a death in the family. I'm out of the cost of the room and insurance cost. DON'T TRUST EXPEDIA OR AIG / TRAVEL GUARD!!!

For anyone reading this, please DO NOT ever purchase travel insurance through AIG. I have foolishly done so in the past, and called AIG to ask if I qualified to file a legitimate claim with them on two separate occasions. On both occasions, I was told that I did not qualify. The first occasion involved Hurricane Matthew. I had traveled to Orlando that year, and my family and I had to return home very early due to the hurricane. When I booked the travel, the hurricane had not been forecast. Despite this however, I was told that my trip interruption did not qualify as a "legitimate reason" to file a claim.

I purchased AIG Travel Guard insurance, because I needed to book my trip, but I also knew there was a small chance that the trip might change by one day. Against the odds, it did - so I called Expedia, who told me that I cannot change my trip - instead, I'd have to cancel the trip, and re-book it, which I did, since I felt comfortable in the fact that I had cancellation insurance. But, when I filed a claim to recover the cost of the original flight, they told me (big surprise) that the reason I gave for the cancellation was not a valid one. (The reason was I had to be at my work one day earlier than I originally thought.) Any time I have EVER had a claim with this type of insurance, the insurer always ducks and dodges, and NEVER pays. It would be better to take $22 and use it to light your grill. Do NOT buy this insurance!

I was in need of emergency medical assistance for a sprained knee in Israel... total amount was $204 USD. I submitted to AIG, was told to submit to my US insurance company. AIG knows that neither Medicare nor supplemental covers overseas medical care - that's why we (have to) buy the travel insurance. 3 times I wrote back with this information; AIG responded with "Sometimes supplemental will pay overseas claims." NOT! After everyone's time is wasted by my submitting to Medicare and Blue Shield, AIG will have to pay. They just string you along hoping you will not take the time to follow up. Sorry AIG, this time you are messing with the wrong sister! I will not use AIG again.

Will take care of you while in the hospital but will not reimburse when it comes time to pay up on airfare. Flew my fiance over to be by my side and paid my hospital bill but as I already had a ticket to return home when I was well I bought her ticket for much less than the original ticket through AIG. Will not reimburse even though they didn't have to pay my ticket, didn't have to pay food, didn't have to pay anything else. All I asked was for the flight back to be reimbursed. NOPE! They were just going to leave my fiance over there. Good job sticking your clients with the bill, AIG!

Do not purchase AIG Travel Insurance. I booked a flight on Travelocity, and purchased the travel cancellation insurance knowing there was a chance I wouldn't be able to make my trip. I did have to cancel, and Travelocity did not refund my money, but gave me some sort of travel credit that I will never be able to use! I called AIG to file a claim and get my refund, and they told me I had to file my claim online. The representative was unhelpful. After explaining my situation, he pretty much told me that I am out $650! I will never use Travelocity to book travel any longer, and I will boycott every AIG insurance or financial services product they offer!

We canceled the travel to go overseas because my wife got pregnant and her doctor advised her not to travel. It’s risky, we had a letter from the doctor saying that it a risk on her and the baby to travel, they denied the claim. I am so stupid. I have been buying travel insurance all the time, I learned my Lesson. I will never buy travel insurance. It waste of money. I advise not to do so, they make you fill out tons of paperwork and in the end you do not get reimbursed, next stop BBB. After that the media people need to know. I will not rest until they go out of business.

Rip-off company. I travel every year to Europe with my family and always get travel insurance because I have Pacemaker/Defibrillator. This year I got 2 tickets to Europe for June 3 2018 for $ 2300.00. In May I had heart problems had to have heart surgery and could not go. I submitted my paperwork to AIG with the operation report and a CD. I was then informed they wanted it in longhand. I went back to my Cardiologist and he did it. After sending this in I was informed by AIG that they don't cover pre-existing conditions. What a joke of a company.

Recently the International Airline changed our departure flight to another day. When I called to modify the coverage I was informed that I had to buy another policy since their policy does not allow for flight changes not under the specific guidelines. Such as Airlines combining two flights into one due to low passenger turnout. What a scam. I did not cause any action on this so why am I penalized? Really be careful about taking out any insurance, especially from this company, if you book your flight well in advance because any time the airline changes one segment it would require that you purchase a completely new policy.

Unfortunately due to a job loss I had to cancel a trip but luckily had pre-purchased trip insurance. My insurance agent granted my claim after a month of back and forth and sending every document and letter I possibly could, only for him to send my check to a random address across the country. Upon contacting him and him saying he sent a "correct" check to my address that has been on every form I've sent thus far, the check arrived STILL with the incorrect address from across the country.

I booked a flight for my family leaving Managua Nicaragua because the government was/is killing its citizens and any persons speaking against. I called AIG to ask IF I purchased a travel policy with my situation, would I get a refund. The US Embassy put out an email saying not to travel on my date because there would most likely be violent protest and counter violence by the National Police. I filed my claim and was denied. The reason for denial was that the US doesn't consider the airport closing as "Terrorist Activity." Even though more than one reason was met according to the DOC all reasons deemed denied. This refund money would have gone to buy food for Nicaraguans in dire need. AIG has stolen our money and therefore taken food from the needy.

I purchased travel for my son as he was returning to college. Two days prior to the trip he became ill with the flu. Based on a fever, chills, and cough he was advised not to travel. As a result, he did not fly. I was not worried as the doctor provided us with a medical note. I was informed by AIG that the note was not sufficient and they would need the doctor to complete a lengthy questionnaire and they also would need access to his medical records. What!!! The majority of colds and the flu are treated via the phone and advice nurse. Additionally, the note has been verified as authentic and you need access to his private medical records. The service is a complete ripoff! Don't waste your money!

You purchase travel insurance in the hopes that if something out of your control were to happen, that you would be provided for. I purchased Travel Guard through Expedia for a flight in 3 weeks. My grand-dad fell extremely ill, and I needed to cancel my flight. Even though he is considered "immediate" family, they are unable to insure me because he is not flying with me. This is a complete rip-off. You still have to pay cancellation fees with the airline, they protect you from NOTHING. Save your money.

This company sells you travel insurance. However this will NOT pay you for cancelled trips. They offer nothing more than you already get for free from airlines, etc which is basically nothing. I had a cancelled trip, in advance, out of my control, and they would not cover it. I made several attempts and they gave me the same stipulations and lack of coverage as the airline and rental car agency did when contacting them direct. They are thieves who provide no real coverage.

I bought the travel insurance from Travel Guard for a flight to Germany for last March. Because of an illness in the family and they were expected to go home so I wanted to change my flight to later date, which I did change and was charged $300 to change flight and the so called insurance would not refund my money without the Dr in Germany filling out several pages on this patient. I would not recommend this company to anyone.

We had a group of 11 family members from 3 different states going on a cruise. My brother-in-law became very ill and was placed in ICU and was not expected to make it. Our family decided to cancel the cruise even if we lost our money. Before filing the claim, I read these reviews and was a little nervous until I noticed that most of the complaints are about things that are not covered. A life threatening illness of an immediate family member was the reason our claim was filed. The list of immediate family members included was greater than I thought it would be, nieces, nephews, in-laws, immediate family member of a travel companion, were all included. Every single member of our party qualified.

I purchased this, indeed I have done so many times before, when purchasing a ticket on Expedia. Due to an acute illness, I could not catch the scheduled flight. By the time that I would have been able to see a physician, the symptoms had abated. In order to provide Travel Guard/AIG with medical documentation, I would have had to require my family physician to commit fraud.

This insurance (run by AIG) is a total scam. We purchased it with our trip through Travelocity recently and were prodded to buy it, mentioning that we would receive "peace of mind" and "protection" for any unforeseen events. We were flying to see a friend with terminal cancer. Days before our flight departed, he died. We did not make the trip out and filed this insurance claim, filling out the extensive paperwork, including copies of the obituary. Within one week it was denied; they said something about it not qualifying because it wasn't "immediate family".

I purchased this travel insurance through Expedia. The ad stated: "3 reasons you may need to cancel" and listed "work obligations" as one of the 3 reasons. This is false, when I called to cancel due to work obligations, I was told I was ineligible for a refund. This company uses false advertising to collect major profits at the expense of their customers. I'm very disappointed and will be sure to let all of my followers know. Furthermore, I will never use this company again for personal or work transactions.

I am not surprised to see NOTHING but a sea of one star reviews. This insurance company is the ultimate bait-and-switch. I called them prior to making any changes and was told the claim would be covered if I provided 3 documents (of their choosing) which I did. Made my change and PAID for the change of $157 and per them once the travel was completed submitted the claim with the documentation they asked me for. CLAIM DENIED. No phone call. No questions asked just CLAIM DENIED. I let a supervisor know exactly what happened and what their employee told me so they are supposedly now in the process of pulling the recording. Not holding my breath. ** company. Save your $25!!!

DO NOT DO IT!!! Their cancellation requirements are UNBELIEVABLE! My friend, who I was traveling to visit died. I am not a family member, so I really do not have access to her death certificate. That is required, along with the cause and date of death, to complete the claim. It is a total waste of money. Their main objective is to take your money and never give it back.

AIG insurance is a waste of money! I purchased the insurance because during the process of buying my flight on Expedia.com the insurance was offered and appeared to be very easy to use in the event cancellation was needed. I ended up having to work and called to cancel my flight as instructed by the Expedia agent. They then instructed me to file my claim through AIG. AIG denied my claim because it didn’t meet their standards for claim (basically death in the family or illness by hospitalization). Why would I even purchase this insurance if that’s what I needed?

What a waste of money!!! I had to cancel a flight and hotel due to a mechanical issue with a truck I was to deliver to Florida that broke down in Georgia. I tried canceling the hotel Sleep Inn & Suites Wildwood, FL and no one would even answer the phone. I left a voicemail asking for a callback, no callback. Really poor customer service. Then I contacted Spirit Airlines to cancel the flight and was told to submit a claim with AIG as I have travel insurance. Because I booked through Travelocity, AIG wouldn't help, told me to go directly to Travelocity. After 1 hour on the phone, they said no refund and to contact AIG directly. AIG - said NO REFUND as well. BOTH COMPANIES ARE WORTHLESS AND I WILL NEVER USE THEM AGAIN.

My daughter purchased travel insurance for two airline tickets. Her husband couldn't travel because of work obligations. She submits the tickets for refund, Emirates airline advised that we communicate with AIG for any questions. AIG denied the refund even though one of the reasons a customer can choose was a work reason. And it was a very legit reason.

Absolutely worst insurance I have ever purchased! Would have rated 0 stars if possible! They would make every insurance claiming process extremely difficult and at the end of the day they will never approve whatever your claim is. DO NOT WASTE YOUR MONEY WITH THIS GARBAGE PRODUCT AND COMPANY!

My best friend's mother was going into hospice the day before my flight. I was going to visit my best friend and we had plans to spend the weekend together. When she found out unexpectedly that her mom was compensating and was being transferred to hospice care, she booked her flight to go see her mom and I cancelled mine (knowing that I bought insurance). I spoke to a representative from Travel Guard on the phone and they stated it met the qualifications. Now, I am being told after providing the death certificate (as her mom actually passed when I would have been at my friend's house), that because I was visiting her, she does not count as my travel companion. She would only be my travel companion if she were flying there as well?!?! They are not refunding my ticket or even booking me a new flight to go see her. This is a horrible way to treat someone who is dealing with such a difficult situation. SICKENING!

This is totally scam fraud... you won't get anything. I purchase 100% coverage ending up with nothing. Claim denied. Only cover in case of death so I have to die to get trip cancellation covered. This scam company need to be closed down. Our government let scammers running businesses like this. Shame on you. 5 stars. Fake reviews won't help you. Going viral with this till you close down.

I bought a policy and wanted to cancel it within a few days. I was told I cannot unless I go through Expedia! Really? I am on the phone with Travel Guard with my confirmation email and I'm told to go back to Expedia to cancel an insurance policy. Something smells.

Report your grievances to the Dept. of Insurance for whatever state the adjuster is working out of and the adjuster's company is located. I purchased this AIG Travel which I purchased thru Expedia. This was my first time purchasing this insurance but had used other travel insurance companies in the past that were great. I bought this thru Expedia because it was convenient, but I came to regret it. I feel Expedia needs to do better as well vetting the products that they allow to be sold on their site.

I booked a flight through Expedia and purchased the "Travel Guard" policy because I knew it was possible I would need to cancel this flight plan. When they say, "... for whatever reason..." DO NOT BELIEVE THEM! I called and tried to do the 'honorable' thing as soon as I knew my situation. Not having to deal with this situation before, my first question was "Where do I start?" Through option offering it was suggested I first cancel the Travel Guard policy while we are on the phone together, then I was to call Expedia to cancel the flight through Expedia - "... we can't do that for you here..." So I contact Expedia next... Nope, nothing applies... It's cancel completely and lose all money or take a credit OR just don't show up and then file a claim (of which I'm sure these phone notes would be a rash on their screen for approval and I would be denied).

I’ve purchased Travel Guard thru Expedia. For $100, I will have insurance, just in case I needed to cancel for any reason...I would get my full refund - SO THEY PROMISED!! So my mom passed away 5 days before my trip. I called to cancel my trip and the person I spoke to on the phone gave me an email address to send my “explanation of Reasoning for this cancellation.” So I tried that email and it was incorrect! So Second phone call I made, I Complain that they had given me a wrong email address so the lady on the phone gave me a different email address where I can send my complaint to. I tried that email address and Again...that was incorrect!

This plan was offered to me through ORBITZ. I know $23.00 for a Cancellation Plan doesn't sound like much, but times that by all the suckers these bandits rob every day with no plans on reimbursing and you'll know what kind of a scam they're running. First jump through all the silly hoops to start your claim, then wait for them to examine it, then, drum roll please... denied. Do yourself a favor and purchase a ticket that allows you to cancel, it's a little more but the rewards are no frustration or disappointment, and now you can take that 23 bucks and have some lunch, or a couple of drinks!

I booked a hotel through Expedia and saw this ad from Travel Guard claiming that it protect against any last minutes cancellation. Since I was not certain that I can 100% make the trip, I bought the policy. Later on, I had to cancel the trip due to work requirement. When I file the claim, they quickly rejected my claim by saying that they only pay if I was sick or I was going to be fired. When I pointed to them that their ad claiming that they protect against any last minutes cancellation, they bring up the fine print which nobody will ever read. What's a scam.

Do not take travel insurance with Travel Guard. I took out insurance for a flight. I never received a policy with them. They have a "pre-existing condition" clause. Basically unless you are a perfectly healthy person you will never get reimbursed. I took out the insurance on March 8, 2018. At that time my husband was in good condition. He developed an ulcer on his toe which ended up gangrene and it was amputated on March 27, 2018. The flight was scheduled for April 15, 2018. I canceled the trip on March 27, 2018.

When the insurance is offered on Expedia - no terms or restrictions are even provided. However, right on the home page of the website is specifically states you can count on them even if you need to cancel due to work reasons. We had to cancel as we own our business and it's caring for LIVE ANIMALS and lost much staff and could not leave them unattended. They denied the claim stating cancelling due to work is not covered. I am attaching a pic of the website indicating we can count on them - even due to cancelling for work issues. They should be ashamed of themselves.

I purchased the TOTAL Protection Plan. The plan clearly states that if the insured cancels the trip they will be reimbursed. It does go on to say "OR" if unable to continue a trip due to illness... It does not say "If the insured cancels the trip AND/OR is not able to continue due to illness..." I understood that if I cancelled the trip I would be refunded. If I used the ticket and was "UNable to continue due to medical issues I would get my money back also". They denied my claim. And they sent me a website to back it up...that said "Satisfaction Guaranteed". This company sells insurance under the term "TOTAL Protection" when it is actually bogus statement to instill false security and steal your money!

To anyone wondering if trip insurance is worth it. From my experience ABSOLUTELY not! I purchased it in January 2018, in February 2018 I discovered a medical reason why I 100% would not be able to travel. I provided my medical records and a Dr. note stating I would not be able to travel during my scheduled trip and I was denied a refund. I lost my tickets and all my money because the only thing AIG covers is death. Do not waste your money on AIG/Travel Guard Insurance!

Don't let the name Travel Guard fool you. This insurance is not designed to protect you but rather it's designed to prevent you from receiving any kind of compensation from a change of plans in regard to your travel. I bought ticket from 3 different airlines and 2 different hotels. I got travel protection for them all. It was only the Travel Guard insurance that would not let me collect for my change of plans. I learned my lesson, and hopefully this review will prevent you from the pain that I experienced. People get insurance for a reason.

I would give this company 0 stars if I could. They take forever to get back to you about a claim that you filed, and when they do get back to you they decide they can't cover you. I got insurance so I would have a fallback plan if anything happened. There is very few things they will cover and within that group you have to meet specific requirements that no one will meet. I will NEVER use them again. Their whole company is a JOKE.

March 13 18 - I purchased travel insurance for air and hotel for April 1st thru the 4th. The insurance was from Expedia to Travel Guard to AIG. Because of the reported weather condition expected at the time of the visit, I cancelled the trip. I reported on my claim that due to the expected rain and wind, and that my daughter had a severe cold it was not a good time for the trip. I cancelled the airplane, the hotel did not allow cancellation or changes. My reason on the cancellation/refund form was due to the weather. I recently received a request for medical form to be completed by my doctor. What, for bad weather...If AIG does not allow weather as a reason for a cancellation why is it stated on the form reason for cancellation.

We purchased 2 Mountain Collective ski passes with travel insurance for the 2017-18 season. This pass gave us 32 days at multiple resorts that could be used throughout the ski season without restrictions. On 2/23 my husband suffered a serious accident which fractured his tibia in multiple places, ending our ski season. Because trip interruption was covered we immediately contacted AIG and provided detailed documentation from the surgeon, receipts for the purchase and proof of the actual number of ski days we were able to use. AIG refused to coordinate with Liftopia, the entity that had processed the purchase. Hence, we were not compensated for the unused 29 days remaining on the pass and received only a tiny fraction of the reimbursement we were due. The customer service was appalling, the marketing not just lacking transparency but downright deceptive. We will never do business with AIG, Liftopia or the Mountain Collective again!

We had items stolen from our baggage after it was lost by the airline on the way from Canada to Miami. We were on a cruise and only got our lost bag back three days into the cruise in Mexico. After we left Mexico we suspected some items were missing (too late to file a Police Report) and only confirmed the items were missing when we got home to Canada. (Canadian police would not file a report as the items were not lost in Canada). Travel Guard denied our claim for theft because we did not file a police report. Our claim was for very little more than our premium. Do not expect this company to show any tolerance or give you a fair deal.

I would award AIG Travel Guard zero stars if possible. The absolute worse! Purchased full travel insurance through Expedia three months prior to a trip to Mexico. When you purchase the plan, you are not provided with the terms of coverage; only promises of full coverage for trip cancellation, interruption, etc... As luck would have it, our return flight to New England was cancelled due to a Nor'easter which had shut down all the airports. Consequently, we had to pay for additional nights of lodging, which isn't cheap during the spring break season. Our claim for expenses incurred as a result of this interruption was denied by AIG because "cancellations due to weather" are not covered. Their advertising is deceptive and misleading, at best.

I purchased Total Protection insurance when I booked my trip Jan 7. Travel to be March 3-11 to Bonaire. Baggage did not arrive until the night before our departure back to AZ! For 7 out of 8 days, had no luggage, no dive gear, nothing! United Airlines decided to keep the baggage in Newark instead of sending it on the next flight! According to the Total Protection plan, lost/delayed baggage is covered. When I submitted my claim, however, apparently I am supposed to submit a claim first through my Renters/Homeowner's policy! What? Where does it state that in the policy? My Homeowner's policy deductible is $1500 -- so I am out of pocket the first $1500 -- which is more than my claim with AIG!

I purchased the cancellation insurance for my 5 family members and fell ill beforehand. Starting the claim was easy, I got my doctor to fill out the proper paperwork they required and received an approval in a few weeks and my cheque soon after. I would recommend.

I purchased this plan when buying tickets to visit my Aunt in FL. We ended up having to cancel due to her condo flooding with sewer water and becoming uninhabitable. I went and canceled my flight tickets, because I couldn't file a claim till this was done. It took over a week for the claim to reviewed. Finally they told me that "Cancellations due to the lodging being damaged at your destination are not covered under this plan." ARE YOU KIDDING ME! This is exactly why you purchase this type of insurance. Such a scam, don't purchase!

Knowing my trip had a possibility of changing dates I decided to buy the insurance that was offered by AIG Travel Guard through United Airlines. 24 - 48 hours later I was notified that the policy was denied due to incorrect credit card info. (any site I've ever been to alerts you immediately that there is a credit card info) The TG notification showed a credit card number that wasn't even close? I carefully re-entered & 24 - 48 hours later was notified again - same reason, same wrong credit card number. 3rd time I called the customer service number & went a couple of rounds with the auto message system & got to the area I wanted - press 1 for "a" & 2 for "b". Neither entry was recognized, just went back to "press #1 or #2. Hung up & called back, no surprise same thing. I know it was not my phone because I got passed 2 rounds of questions from the automated answering machine. Not recommended!

I purchased coverage for a trip to Cancun February 8-16, 2018. A week prior I became aware that my sister who was suffering from terminal cancer would likely expire during the time of our trip. I called an AIG phone agent a day before the trip and advised her (Cindy **) that my wife and I were cancelling our trip so I could spend time with my dying sister, I was with her on the day she passed (11 February, 2018). When I was talking to the agent I was told me I could cancel the policy or file a claim. Not being a position to spend time studying the matter, I choose fail a claim, although I protested that I should be able to due either when I had the time to investigate.

Very unprofessional. Do not waste your time or money. Scam! I booked a flight through Travelocity and purchased the travel insurance provided by Travel Guard. At the time I booked the flight, I was pregnant and healthy. No concerns or issues to even think of. A week before my flight I ended up in the emergency room and diagnosed with preterm labor. The doctor recommended for the safety and well-being of not only our child, but myself, to cancel my flight. I canceled the flight and filed a claim with Travel Guard. I provided quickly and detailed documentation. The claim was denied a week later stating that "pregnancy is not covered under their plans."

I bought insurance through Expedia, what a waste of money. I have the flu and clearly cannot get on an airplane. They will not reimburse me for the flight difference to go tomorrow and will only reimburse me for the $200 dollar fee if I go to urgent care. I am too sick to fly, but do not need to go to urgent care. It's a total scam. Save your money!

I bought this insurance because we were not sure of our dates and it said 100% cost will be refunded. When I told the customer service rep she rudely said that I am the consumer and I should be more informed and read all the fine print. They have a link which takes you to another link which opens a pop up and there is another link which opens a document that has lot of fine prints. And pretty much shortly of dying or getting stuck in natural disaster you are not getting your money back. Just horrible and shady company. STAY AWAY!!!

BEWARE! I booked flights through Expedia, and was happy to pay the additional $42 dollars for "100% Cancellation" insurance. As you can guess I needed to cancel my flights. I followed the online instructions and supplied the necessary documentation. After 2 weeks I emailed asking if they needed additional documents as it was taking longer than I expected. My claim agent responded and let me know it would be handled in the order it was received. Like 99.9% of all the other reviewers I was emailed a denial letter. I called to get an explanation, short of dying yourself or being in a natural disaster in which makes your home uninhabitable you are screwed. I explained my frustration and said, "I bet you guys rarely refund anybody's claims" She just laughed and said "Yep." I'm currently out $657.00.

Paid for trip insurance through Expedia and it was unfortunately through AIG Travel. After my flights were cancelled and I couldn't stay in the hotel room that I had booked and insured I filled out and sent in all the appropriate paperwork. A couple weeks later I was informed that they would not be covering my claim because they don't cover weather related incidents. Expedia and AIG should be ashamed of the fact that they proclaim 100% coverage! When in fact the only things they cover are ALREADY COVERED BY THE AIRLINES THEMSELVES! AIG is a complete waste of money because they will only give you back what the airlines/travel companies will be returning to you anyways. DO NOT buy their travel insurance. Do what I have always done before (and regrettably didn't do this time because I assumed it was the same) and go with World Nomads, they cover everything and are very easy to deal with.

I purchased this insurance just in case I was unable to get work off or something came up that required me to cancel my trip. I bought tickets before my vacation was approved because of the deal Expedia was having. Expedia did not list all the hoops that would have to be jumped through to get a refund. It said cancel anytime for any reason. Their website requests you to call the airline and cancel the flight before submitting your claim. So I called the airline, cancelled the flight and proceeded with the claims process.

Exactly like other reviewers said... You won't be able to get any coverage from AIG unless there is an Armageddon like disaster or you are dying. I purchased a plan on Orbitz for our family vacation to the USA, and when I got this plan I thought I'm getting hassle and obligation free insurance as appears when I purchased the tickets as it clearly state "Cancellation Plan"... If any unforeseen incident happened I thought, I will be covered... But nope! That's not what it was. Very very disappointed in Travel Guard and especially Orbitz for promoting them. I advise not to fall in the same trap as I did...

I purchased travel cancellation insurance to cover the cost of an international trip ($12K) - advertised as 100% cancellation coverage. No link at purchased to read policy. The trip was canceled by the client and I canceled my flights through Travelocity, apart from a $600 cancellation fee that Travelocity told me would be covered by the travel insurance policy I took out. Wrong! They denied my claim because the trip was canceled. What? I spoke with a service representative on the phone that referred me through four levels of links and 8 point type to a document that said the policy only covered the SAME THINGS THE AIRLINES ALREADY EXEMPT. This insurance coverage is a TOTAL SCAM. The company may be legally covered, but ethically every person who works for them should know they are exactly what is wrong with this world.

My wife became pregnant before a trip to Cancun and with the Zika epidemic still present. Our doctor's and nurse advised against travel due to harm to the mother and/or unborn child. So of course, we didn't want to take any chances and have complications due to this travel. What is the point of the insurance if it's not going to cover when the unexpected happens. Never again!

Just like other reviewers said... You won't be able to get any coverage from them unless there is a natural disaster or you are dying. I purchased a plan on Expedia for my husband trip, which was a birthday gift for him, and when I got this plan I thought I'm getting hassle and obligation free gift... If he didn't like the idea I thought, I will return it... But Nope! that's not what it was. Very very disappointed in Travel Guard and especially Expedia for promoting them.

I booked a flight to Charlotte, NC for one of my son's big soccer events. Two days before, the event was canceled due to inclement weather. The temps were near zero with wind chill. So I followed all the steps online thinking I was in good hands with AIG's Travel Guard? Apparently not, I got the runaround and for some unknown reason to me they said I was not covered. I sent them all the paperwork they required, including the cancelation paperwork from the Olympic Development Program, which is a program that invites kids from around the country to tryout for different age group teams and that is one way they build their USA Olympic soccer team. So, anyway definitely would not recommend this company for travel insurance.

My sister became pregnant after the flight was booked. Her and her family were taking flight on separate airline. Doctor advised her not to travel. She got a doctor's note and gave me a copy. I in turn sent doctor's note and all of my info to Travel Guard. Within a week I received notification that they will be sending me my refund within 7-10 days. They will refund trips, but you have to have a valid excuse and go through the steps required to get your money back.

Tried to cancel airline tickets. Although I had paid for the tickets and insurance which read 100% trip cancellation. I bought the tickets through Expedia and there was only one link to travel insurance which was Travel Guard. I purchased the insurance. Due to unforeseen circumstances both passengers had to cancel. Travel Guard would not credit my account, nor would Expedia, or the credit card company. My next step is a letter and documentation to the State Attorney General's Office. I suggest you all do the same. The more complaints that are received and documented, hopefully, will shut this place down and fine them big time.

Just like the subject mentions, SCAM. Advertisement is absolutely false. I purchased the most expensive insurance choice I had for my travels, and was to get refunded 100%. That did not happen. I was out a good 4/500 dollars. These people will ask for tons of "proof", make you call a few times and still will not honor their promise. STAY AWAY!

When I purchased the travel insurance it did not advise what the "covered" reasons for canceling would be on the site that I was using. I did not even know the name of the company until after I agreed to purchase the ins. Once it was purchased and I actually needed to use it, of course they refuse to pay, stating not a covered reason. I will be contacting my state insurance bureau.

What a shame. Paid for insurance. Got sick, got the forms. Signed by the doctor, Attached required documents. Was waiting for the payment but got this requests for about 20 different documents. I don't believe that anyone would spend days to get these documents for possibly refund $300. I guess that's how they make the big money - not paying back anything.

My wife and I purchased a Travel Guard medical and travel interruption insurance policy for our 12 day Peru trip. I got sick on day 3 and 5 and missed one of our flights (legs) on Latam Airlines. Latam cancelled our flight back to New York from Lima stating that since we missed one leg they can cancel all subsequent legs. So we were forced to repurchase our same seats again on the same Latam flight. The cost was $2300 ×2 total $4,600 one way tickets. My wife is a physician and had 40 patients scheduled at her office the following day and needed to get back.

My husband and I had to cut our 3 night stay short by 1 day on our vacation, because our son was sick at home. We had reason to believe it was viral, so we did not take him to the doctor. Because of that, our claim was denied. It is called "cancel for any reason" policy, but that is a lie. Don't waste your money.

DO NOT USE THIS COMPANY! The whole point of getting insurance is to have protection for your trip. I ended up having to cancel for work reasons. This is the first time ever having to cancel a trip for any reason. I followed the prompts to correctly submit my claim. It asked for a notarized letter from my employer and documents to support my claim. It's been two weeks and I've heard nothing so I called today. They said they mailed me a letter and called me. Both of which never happened. Today they say I'm unable to get compensation for my claim because using it for work is not covered. How misleading!!! I feel like I've been scammed.

My husband and I were invited to go on a trip with friends back in July of 2017 with an actual trip date in November 2017. After reviewing all flights I found the best from my location was with Spirit as one of their daily flights is to Puerto Rico from Myrtle Beach SC. This was a pretty expensive trip planned and paid for months in advance so I made sure to purchase Spirit's travel insurance which is through AIG Travel Guard Insurance. It cost $65.00 and would give me peace of mind, so I thought. Well this was before Hurricane Irma and then Maria came through and hit the islands hard. Puerto Rico made it through the first one but Maria made it a point not to leave anything standing. Pretty much no island left and definitely no resort left.

Travel Guard a total joke. Recently my wife I bought a vacation package to Cabo and purchased Travel Guard travel Insurance. The morning we were to leave we learned a hurricane was approaching and travel advisories/warnings had been issued for the Cabo area. So we decided it was better to cancel our trip instead of traveling into a hurricane. Made a claim with Travel Guard only to be informed that our claim was denied because no flights were cancelled and we were not evacuated. So I guess it’s better to fly into a hurricane and possibly lose your life just so you can meet Travel Guards definition for inclement weather. Don’t buy Travel Guard, they will find any excuse to deny your claim.

Was supposed to go on our honeymoon to Puerto Rico on September 28 - October 3rd. Bought insurance because we knew it was hurricane season. Shortly after hurricane Maria, we canceled our trip for obvious reason. Submitted the claim and sent in all the paperwork. Got denied because the flight we had booked still went out and the hotel never closed. Our hotel was used for workers, and even though it didn't close, it didn't have power. Airport may have been open, but there was no way to get to our hotel from the airport. Most of the island is STILL out of power and roads are completely flooded. It's not even safe for tourism right now. This company is just a bunch of thieves.

When booking on Frontier Airlines website, it offered trip insurance for $10.95. It did not lay out the basics of coverage, but typically these policies would cover cancellation for a variety of good reasons. The reservation came to my email and in it, it included a reference to Travel Guard Insurance and listed a policy number. After being injured and unable to travel, I cancelled then found the Travel Guard company on the internet. When attempting to file a claim online, the website said the policy number was not valid, and so I had to call in. I get told that isn't my actual policy number. It took almost 60 minutes of talking to people in a foreign and domestic call center to get my 'actual' policy number.

I wish I had seen this site prior to purchasing insurance from Travel Guard. I'm not an attorney, but I'm no dummy either. When I read the initial offer to purchase travel insurance, I was under the impression that we'd be covered if we couldn't make the race due to employment obligations. This is exactly what happened, however, AIG denied our claim. I would never recommend "Travel Guard." Not only are we out the cost of two tickets, but the cost of the insurance as well. We live too far away to try to sell them at the track and besides, NASCAR isn't selling out these days anyway so the demand isn't there. I guess we'll just have eat them and continue warning others of this bogus company.

Why buy travel insurance? Well, one reason is security in case you get laid off, right? That sounds reasonable. That is what I did... I was going to a wedding and the flight was $3000 for four of us. We bought insurance "just in case." Two weeks later I was laid off. Travel Guard wanted a letter confirming this, which I sent. They then denied the claim saying that I was laid off within 2 weeks of buying the ticket. Huh? Literally we are talking about 1 minute of difference here due to the timing of the event. But TG won't budge. But my question is this... Why would they even *have* a 2 week wait time? I had zero notice that the company was going to have a layoff. None, zip, nada.

Paid for an airline ticket. The airline cancelled the flight and only refunded me partial payment. You would think an airline that cancelled would give you a full refund. Nope... out 80.00 plus. Had to book with another airline cost me an extra 50.00. AIG would not honour the flight cancellation and difference in price and partial refund. They are a joke!

I was taken to the emergency room six days before the start of our trip with a kidney stone on the move. Bottom line, I had to cancel our trip on the day of departure. The online claim handling went well. I was able to upload our receipts and travel providers' cancellation policies. I had everything but the doctor's form. Travel Guard got back to me the next business day via email and telephone stating the claim has been assigned, along with the direct contact info to reach the assigned claims representative. The rep was easily reached, returned my calls, and stated she needed to wait for the doctor's report before the claim could be adjudicated. (This was understandable.)

This company is a racket. They have every excuse to not insure your claim. I will tell more with details when I get off work. Just got the call today from the scam artists today making excuses why not covered!!!

My wife and I booked a trip to the Cayman Islands back in Jan 2017. Our trip was to being on 4/27 for a week. Worried about our aging parents we decided to purchase the AIG travel guard insurance. Today 4/6 I find out my mother is going to require surgery on 4/21 and will require attention for the first week after the surgery. I contacted AIG to inquire about the procedures for cancelling our trip. I was told it would be covered but they could not guarantee anything until I submit the proper forms, Dr's notes. etc. and that an analyst would review the case which could take 4 to 6 weeks. HUH??? Without knowing whether our request will be approved or not before our scheduled departure date, I am put in a position of either cancelling our trip and 'hope' that AIG will refund our money, or, go on the trip so not to lose all of our money. I will NEVER and would warn everyone NOT to purchase travel insurance from AIG.

We were on the ground in DFW for 6 hours due to mechanical problems and missed a connection in SFO. I purchased Travel Guard insurance in good faith to find out that trip delay for mechanical problems ARE NOT COVERED. Buyer beware... We had to pay extra to re-book our ticket out of SFO. What is travel insurance for anyway if not to cover issues like the one we experienced.

We purchased this insurance for our Oct 2016 trip to the Bahamas. During the days leading up to our departure Hurricane Matthew formed and became a category 5 Hurricane heading directly towards the Bahamas. The night before we were supposed to leave (we had a 6 a.m. flight) we sat in our hotel room watching the news and weather channel. EVERY forecast predicted a direct hit for the island. We called the hotel whom stated they were making evacuation plans, we called the airlines whom said flights were cancelled, delayed, rerouted on Sunday - we were leaving Saturday.

Our family planned a family vacation to Jamaica in 2016 and we bought the insurance for all members of our family (10 people at about $70/person) as we have done for every trip. After we bought the insurance, our daughter-in-law became pregnant. She talked to her OB-GYN and was told in no uncertain terms that she should not go on the trip due to the Zika virus. Her OB-GYN and her family doctor sent letters to Travel Guard explaining her previous high risk pregnancy and the risk to this pregnancy, as well as a letter from my son. The claim was denied because "there was no risk to the baby's life or the mother's". Even our travel agent told us there should be no problem getting a refund. This insurance is totally worthless and should not be purchased by any travellers. We travel with our family every other year and always bought the insurance, but will never buy it again.

I book flight. I purchase the travel insurance from Travel Guard, member of AIG, and should refund the cancellation trip for any emergency and that what happened I cancel my trip because family emergency, and call and talk with MR. Michele **. He was extremely rude and and willing to help my out and he said that there's no refund for the money I paid for the insurance, and there no refund for the ticket. I really don't advise any one use Travel Guard, member of AIG.

If ZERO stars have been an option that's what they would've done. I have bought travel insurance for years and never had to use it until now due to mechanical issues on our plane. The delayed flights and missed connections would have us arriving three days late which we chose not to do. We had thousands of dollars of nonrefundable hotel and rental car expenses which Travel Guard said they would not cover unless half of our trip time or 6 days were lost! I thought that was what I was paying for. I had read the hundred blogs of terrible reviews after I had purchased the policy and I thought boy if I had read this before I purchased, I would not of purchased at all. Now I am truly sorry that I wasted the money and thanks to them, threw away thousands of dollars that they would not cover. DON'T BUY it!

Travel Guard AIG offers flight insurance to consumer without honoring their policy. I was one of those consumer. I live on a fixed income and tried to protect my trip investment buying insurance through this company. Needless to say I received no refund. Along with countless other victims I feel we the consumers need to file a class action lawsuit to closed this company down and be refunded that monies due us. This company is a predator, and continues to use little people like us to become wealthy. They NEED TO BE STOPPED!!!

I booked a vacation package for my family through spirit airlines. Also purchased travel insurance for covering our trip due to any unforeseen events. Later we found my wife is pregnant and she was suffering with severe vomiting and nausea. So we went to the primary physician and physician advised to avoid travel and take rest.

I broke my foot when traveling. I sent in the receipts 2 months ago and I still don't have a check. I talked to them once and they said it's being processed. I called again and on hold for an hour. When I check the status online it says I don't exist.

It is enticing a low priced insurance offer to "safeguard" your purchase but oh boy! They will bring thousands of excuses to avoid honoring a claim. Check this out: I bought Travel Guard from FLL to DTW in the morning connecting flight coming from LIM and in Lima, the aircraft was grounded for 16 hours. Naturally I missed my connection flight (not fault of my own) but TRAVEL GUARD ONLY COVERS IF THE AIRLINE DOES IT REGARDLESS OF WHATEVER MIGHT HAPPEN TO YOU!!! In other words, the connecting flight departs on time but it is YOUR FAULT you were not there on time because is the first airline problem. I wonder why do you buy insurance if only applies to things that might happen to the airline only? I should not be lured into insuring the airline flight. WTF!!! DO NOT throw your money away and just give yourselves plenty back up plans and time. Oh how I hate corporate GREED. Read the fine print.

AIG-Travel Guard is readily accessible when quoting a travel insurance policy, and providing payment instructions. If you ever have a claim, you will find it essentially impossible to connect with a customer service rep. Hold times are close to one hour. Even if you carefully fill out all the required forms and submit all the needed supporting documentation, Travel Guard is unresponsive, and even treats the customer as if one is doing something illicit by filing a claim. Terrible, terrible, terrible.

I was misled by incompetent agents while inquiring whether or not I would be covered under a situation involving my boyfriend's military responsibilities. I wanted to book a campsite for a festival taking place upstate New York and was directed to call the Travel Guard agency to get more information on coverage, since the festival ticket/camping booking agency did NOT offer any refunds.

I paid for trip insurance through AIG when I booked a flight to NY to take my 6 year old son to visit his family. After I booked the trip, my son was taken away from his mother by the courts and full custody was given to me. This situation was made worse for him since he has ADHD and was recently diagnosed with Autism Spectrum Disorder (ASD). Needless to say, it was not the best time to travel and I contacted AIG to use my insurance policy. They told me to send in documentation, which I did. Then AIG promptly denied me. I will never use AIG again for anything and will warn everybody I know about their poor customer relations and business practices.

We recently planned a trip through a travel agent and regrettably could not go to a family member being sick. We had the most incredible time trying desperately to get our money refunded with the travel insurance that we purchased through AIG... It was horrific! They rejected our claim several times and they were extremely non-responsive to our repeated phone calls trying to settle this claim. We had to literally jump over hurdle over hurdle trying to get them to pay. The phone representatives acted like they could care less and gave an attitude of total "non-caring".

I am writing to express my displeasure with the rejection of my AIG Travel Guard insurance claim, but more importantly, the unethical treatment I was given by a number of AIG Travel Guard staff members in trying to obtain information on my claim rejection and subsequent appeal. We purchased travel insurance with AIG Travel Guard on 8/21/14 for our Italy trip scheduled for 10/17/14. I developed a back problem after the purchase date which got progressively worse. My doctor decided that the trip would be detrimental and we cancelled. My claim for reimbursement of $6800 was mailed on 10/17/14. I received the final rejection of my claim on 3/4/15, six months later.

I booked a cruise to Alaska with a travel companion to assist with my medical issues of bilateral para neuropathy and ataxia. I required her to assist me with navigating stairs and curbs as well as assisting with balance issues causing potential falls. My travel companion cancelled due to her mother's ill health and resulting hospice care. I am unable to travel without this needed assistance.

I booked a trip to Punta Cana on 1/5/15 to begin on 1/18/15 for four nights and took out the Travel Guard cancellation insurance. On 1/12/15 I had to admit myself to the hospital emergency room for heart related problems. I have had some heart palpitations over the years but this was somewhat exceptional so I wanted to make sure I was okay since I was going to a foreign country. I followed that up with an appointment with my personal physician the next day. He advised me not to travel until after I saw a cardiologist. He made the appointment for me and I have had two procedures in outpatient since. I contacted Travel Guard to file a claim thinking I would surely be covered.

This is a warning to travelers with pre-existing medical conditions about Travel Guard | AIG Property Casualty, 3300 Business Park Drive, Stevens Point, WI 54482). It has "policies" to reject trip cancellation claims that may be legal but do not align with the service they are suppose to be providing. Others may have similar policies. The best way for travelers to avoid this happening to them is to find an insurance company that provides "cancel for any reason" policy. Decide for yourself whether TRAVEL GUARD insurance policies are "legal theft" - below is how they used their policies to reject my $7,300 trip cancellation claim...

Hello all. I wanted to share my experience with travel insurance companies. Recently I purchased Travel Guard medical insurance policy, had an operation abroad and submitted a claim 4 months ago, still waiting to be paid as at the time they did not organize things directly with the hospital. Every time I call they say "We are reviewing the claim" and asked for the same documents several times. Now they say that some investigators will go to the hospital and that would delay 60 to 90 more days. THAT IS NOT WHY I GOT INSURANCE! The insurance is supposed to cover you in cases like that.... But no, NEVER use Travel Guard!!! If somebody can help me let me know as I really need these money.

I purchased travel insurance for my hotel and due to a British Airways strike that was not confirmed until the day of my travel if my flight was going or not, Travel Guard refuses to reimburse my money. They claim British Airways had been threatening to strike from February 22nd. I did not purchase my ticket until February 24 and was not aware of a strike. They just told me that since BA is always threatening to go on strike they will never cover for their flights. I found this a very poor excuse for not refunding my money.

I have my head in sorrow right now and I really don't know what to do. I live in USA, but originally I am from Slovak Republic, where my parents still live. I purchased a round ticket from JFK, N.Y. to Bratislava, Slovak Republic on 3/6/2008. The flight was booked for departure from JFK on 4/21/2008, landing in Bratislava on 4/22/2008. The airlines - Czech Airlines. I also purchased insurance - AIG Travel assist insurance.

On Jan 8 my husband reserved 2 seats with cheap seats to and from Montana from NY. We were to leaving Jan 14 and returning Jan 17. Through this website they had a box to check for flight insurance 9.95 per person just in case of the unexpected. The unexpected was that my grandma had a complication during a routine surgery and caused them to. She had a very short time to live. This unfortunate thing had nothing to do with her pre-existing condition and now they are telling me I am not insured for that being a pre-existing cond.