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AIG Travel Insurance: The Complete Guide

Everything you need to know before you buy AIG Travel insurance plans

For decades, AIG Travel , part of American International Group, Inc., has provided travel insurance options for many travelers. Marketed under Travel Guard, the company offers travel insurance solutions and travel-related services, including medical and security services, marketed to both leisure and business travelers around the globe.

If you have purchased a trip insurance plan in the past, it may have been provided by AIG Travel without you even knowing it: the company also creates custom policies for several smaller insurance brokers, airlines and even travel groups. Is AIG Travel the right company for your trip? 

About AIG Travel

AIG Travel is a member of American International Group, Inc., a global insurance company that provides everything ranging from property casualty insurance, life insurance, retirement products, and other financial services. Travel Guard is the marketing name that AIG Travel uses to advertise its portfolio of products.

Today, the company is headquartered in Stevens Point, Wisc., and serves travelers in 80 countries and jurisdictions through eight wholly-owned global service centers in key regions, including Houston, Texas; Stevens Point, Wisc.; Kuala Lumpur, Malaysia; Mexico City, Mexico; Sofia, Bulgaria; Okinawa, Japan; Shoreham, England; and Guangzhou, China. 

How Is AIG Travel Rated?

AIG Travel policies are underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., another subsidiary of AIG. As of June 2018, the policy writer has an A.M. Best A rating, putting them in the “Excellent” credit category with a stable outlook.

For customer service, AIG Travel is highly rated on three major travel insurance marketplaces online. With more than 400 reviews, AIG Travel has a five-star rating from TravelInsurance.com , with a 98 percent recommendation rate. Customers of InsureMyTrip.com give the company 4.56 stars (out of five). Although Squaremouth.com no longer offers AIG Travel policies anymore, previous customers gave the company 4.46 stars (out of five), with less than one percent negative reviews. 

What Travel Insurance Does AIG Travel Offer?

AIG Travel offers four plans for consumers, based on their needs and travel plans: Basic, Silver, Gold, and Platinum. Although the Basic plan is not available direct through AIG Travel, it can be purchased through marketplaces like TravelInsurance.com. All travel insurance plans include travel medical assistance, worldwide travel assistance, LiveTravel® Emergency Assistance, and personal security assistance, but only take effect when travelers are at least 100 miles away from home.

Please note: All schedules of benefits are subject to change. For the most up-to-date coverage information, contact AIG Travel.

• Travel Guard Basic: Travel Guard Basic is the lowest level of coverage available through AIG Travel Guard, with the smallest benefits for trip cancellation , trip interruption , and trip delay. The basic plan offers 100 percent coverage of trip cancellation or trip interruption events (up to $100,000), but has very low coverage ceilings for return airfare due to trip interruption ($500 maximum), trip delay (maximum of $100 per day, up to $500), baggage loss ($500 before a $50 deductible) and baggage delay ($100 maximum). The basic plan includes an optional rental car damage policy for an additional price but does not include options for a pre-existing medical condition exclusion waiver or accidental death and dismemberment. Read the schedule of benefits here.
• Travel Guard Silver : Travel Guard Silver is the lowest level of coverage available directly through AIG Travel Guard. Described as “savvy coverage that helps give you peace of mind on a budget,” Travel Guard Silver offers more generous benefits for baggage delay and baggage loss ($750; $50 deductible) and accident sickness medical expenses ($15,000; $50 deductible). This plan also offers optional coverage for pre-existing medical condition exclusion waivers, trip cancellation or interruption due to financial default and additional flight coverage. Typically, travelers who elect to purchase Travel Guard Silver over Travel Guard basic can expect to pay around 2.5% more. Read the schedule of benefits here.
• Travel Guard Gold : The most popular plan offered by AIG Travel Guard, Travel Guard Gold balances insurance costs with benefits. The Gold plan offers more money for trip interruption (150 percent, up to $150,000 maximum), return airfare due to trip interruption (the greater of $750 or 150 percent of the trip cost) and trip delay coverage ($150 per day maximum, up to $750 total). This plan also introduces several additional benefits, including baggage and travel document loss (up to $1,000), baggage delay ($300) and missed connection coverage (up to $250). When purchasing within 15 days of the initial trip payment, travelers may also be covered for pre-existing condition waivers, trip cancellation or interruption due to financial default and primary coverage for accident sickness medical expenses. Optional coverage levels include Cancel for Any Reason insurance (up to 50 percent of insured trip costs), car rental collision coverage and upgrades for medical expense and emergency evacuation coverage. Before any optional coverage, expect to pay 20 percent more for Travel Guard Gold compared to Travel Guard Silver. Read the schedule of benefits here.
• Travel Guard Platinum : Travel Guard Platinum is the highest level of coverage offered by AIG Travel Guard, with the biggest benefit levels. In addition to trip cancellation and trip interruption benefits, travelers can receive up to $1,000 for return air travel due to trip interruption, trip delay benefits of up to $200 per day ($1,000 maximum) and up to $500 in missed connection benefits. Like Travel Guard Gold, travelers who purchase their policy within 15 days of their initial trip payment may also receive the pre-existing medical condition exclusion waiver, trip cancellation or interruption coverage due to financial default, primary accident sickness medical expense coverage and primary baggage and personal effects coverage. Optional policy add-ons include Cancel for Any Reason (up to 50 percent of insured trip costs), car rental collision coverage, and medical coverage upgrades. Because Travel Guard Platinum is the highest level of coverage available, it is also the most expensive: travelers should expect to pay between 50 and 60 percent more than Travel Guard Gold before any additional add-on coverage.  Read the schedule of benefits here.

What Won't AIG Travel Cover?

While AIG Travel offers plans to cover many common travel issues, they will not necessarily cover everything. Excluded situations include:

• Self-inflicted injuries: If you are in crisis while traveling, there are ways to get help anywhere around the world. Note that mental health care may not be covered by your travel insurance plan .
• Pregnancy or childbirth: In many situations, pregnancy or childbirth are not covered under AIG Travel plans.
• Dangerous activities: Planning on mountaineering, going motor racing, or participating in a professional-level athletic event? All of these situations are not covered under AIG Travel plans.
• Baggage loss for items seized by governments or customs officials: Before you return home, be sure to understand what may (or may not) be allowed in your home country. If you believe your items were stolen by customs or Transportation Security Administration officials , there is a separate protocol for reporting those losses.
• Baggage loss for eyeglasses, sunglasses, or hearing aids: Loss or replacement of prescription vision wear is not covered by AIG Travel.

This is just an abbreviated list of situations that may not be covered under AIG Travel trip insurance plans. For a full list, refer to the schedule of benefits of each plan, which are linked in the above content.

How Do I File a Claim With AIG Travel?

Travelers who purchased an AIG Travel plan in the United States can start their claims online . After starting an account online, travelers can file claims for the most common situations, including trip cancellation, baggage loss, and trip delay. Policyholders can also find documentation requirements online , as well as receive updates online. Those who have questions about their policies or claims can call AIG Travel direct at +1-866-478-8222.

The online claims tool is only available for American travelers who purchased their travel insurance plans in the United States. All other travelers should contact AIG Travel directly via their provided telephone number to start the claims process.

Who Is AIG Travel Best For?

At the Basic and Silver levels, AIG Travel is a very basic-level travel insurance plan that may cover those who do not already have trip coverage through a credit card or otherwise have access to a trip insurance plan. Before considering either of these AIG Travel plans, be sure to check that you don't already have coverage through the credit card used to pay for your trip.

If you are planning a major international trip, or are going on a big trip aboard a cruise line, AIG Travel Gold and Platinum may offer better coverage than a credit card. With large benefit levels and coverage already built in for pre-existing conditions when purchased within the first 15 days of an initial travel payment, Gold and Platinum can be a better bet for those who are spending money on a big vacation and want to make sure their trip runs smoothly.

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AIG Travel Guard Insurance Coverage Review – Is It Worth It?

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Table of Contents

Why purchase travel insurance, aig travel guard — coverages and policy options, aig travel guard and covid-19, additional information — aig travel guard, how does aig travel guard compare, the value of travel insurance comparison websites, final thoughts.

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Purchasing insurance for your home, auto, or your life, can be complicated and time-consuming if you want to compare coverages and premium costs between companies. Fortunately, the process of purchasing travel insurance is quite simple , and you can secure immediate coverage within minutes.

It all starts with determining the coverages that most important to you, securing a quote, then making sure you’re purchasing from an established, highly-rated company. One such established travel insurance company is AIG Travel Guard .

With over 25 years of experience and high ratings from premier insurance financial rating company A.M. Best , AIG Travel Guard was named the best travel insurance company of 2020 by Forbes . Its Travel Guard Deluxe policy was also given a top 5-star rating by Forbes’ insurance analysts.

We’ll certainly discuss AIG Travel Guard’s policy offerings in our article today but we also want to discuss why you’d want to purchase travel insurance , whether travel insurance covers COVID-19, the process for obtaining a quote, and additional resources to help ensure you’re receiving good value.

Plus, if you’re wondering if you need to purchase travel insurance or whether you might have enough coverage elsewhere, you’ll want to read on.

While the primary reasons for purchasing travel insurance are to protect your economic investment and to cover unexpected additional expenses you might incur due to trip disruptions, purchasing travel insurance has another, more intangible, purpose.

Purchasing travel insurance can provide peace of mind prior to and during your trip as you won’t be worried that an unforeseen event will result in an economic loss. Knowing you have evacuation insurance when you’re traveling to a remote area on safari, for example, could be tremendously reassuring, even if you never use the coverage.

Here are some sample situations where travel insurance may provide coverage:

• Your sister is diagnosed with a life-threatening illness and you must cancel your trip
• You broke your ankle and will not be able to go on your skiing trip
• You become ill and cannot travel
• You or your traveling companion is terminated or involuntarily laid off from your job
• You are summoned to jury duty or other legal action such as requiring you to appear as a witness

If your trip is expensive, complicated, or you need medical coverage while traveling, a travel insurance policy is a must.

Bottom Line: In addition to protecting your trip investment and covering unexpected expenses due to trip disruptions, travel insurance can also provide peace of mind before and during your travels. 

There’s probably nothing more boring than listing insurance coverages but it’s important to know the types of coverages you can expect when purchasing an AIG Travel Guard policy.

First, AIG Travel Guard offers 3 policy options for U.S. residents (not including NY residents), 3 separate options for NY residents, and 1 policy for Canadian residents.

• Tr avel Guard Essential
• Travel Guard Preferred
• Travel Guard Deluxe
• Travel Guard Essential Expanded — available to NY residents
• Travel Guard Protect Assist — available to NY residents
• Travel Guard Tour, Cruise, & Travel — available to NY residents
• Gold Trip Cancellation Policy — available to Canadian residents

Coverage options and limits will vary by policy, however, you can expect to find the core and optional coverages listed here.

Core Coverages

Here are the types of coverages you’ll find offered on AIG Travel Guard policies and the applicable coverage limits for each type of policy.

There are also additional coverages that may be included at no extra charge, depending on the policy type selected. Terms and conditions apply.

• 1 child under 17 per covered adult is included for no extra charge
• Pre-existing conditions waiver
• Trip exchange coverage
• Single occupancy fee coverage
• Evacuation for a security reason
• Non-flight accidental and dismemberment insurance
• Worldwide travel and medical assistance services

Optional Coverages for an Additional Fee

You may secure any of the following add-on coverages by paying an additional fee.

• Cancel for Any Reason Insurance — covers trip cancellation for any reason
• Rental vehicle damage — coverage for collision damage when renting a vehicle
• Pet bundle coverage — pet care, medical expenses, and adds pet illness to trip cancellation benefit
• Adventure sports coverage — coverage for higher risk adventure activities
• Increased lodging expense bundle — increases the amount covered under travel inconvenience benefit
• Wedding bundle — coverage when a destination wedding is canceled
• Name a family member bundle — select a traveler to be covered as a family member

Hot Tip: For more information and tips on purchasing travel insurance, start here in our article on travel insurance basics .

Travel insurance , in general, is designed to protect you from financial loss due to unforeseen events that may cause you to cancel your trip, or to cover disruptions that could occur during your journey. It is not meant to cover voluntary trip cancellations due to fear of getting ill.

Voluntary cancellations, including those that are related to the fear of getting ill, are not covered on travel insurance policies. However, there is 1 option for obtaining coverage for voluntarily canceling your trip.

Cancel for Any Reason insurance (CFAR) is an optional coverage that can be added to select travel insurance policies allowing you to cancel your trip for any reason you deem necessary and be covered for partial reimbursement.

AIG Travel Guard offers CFAR coverage as an optional add-on to add to its Preferred and Deluxe plans , with these stipulations:

• Must be purchased within 15 days of the initial trip deposit
• The trip must be canceled more than 48 hours prior to departure
• The full cost of the trip must be insured for at the time of purchase

Cancel for Any Reason insurance does not cover the entire cost of the trip. In this case, to add CFAR insurance to the Deluxe and Preferred plans above, the additional premium would be $53.31 for coverage to cover up to 50% of the trip price. Additional options may be available to cover up to 75% of the cost of your trip.

The above prices are for a single trip 1-week in length for a traveler of 40 years of age at a cost of $3,000.

AIG Travel Guard policies, even without the CFAR insurance add-on, offer coverage for trip cancellations due to COVID-19 related illness and also medical coverage should a covered traveler become sick with COVID-19 during their travels. Terms and conditions apply.

Bottom Line: While trip cancellation, trip interruption, and emergency medical may offer some coverage for illness, you must purchase Cancel for Any Reason insurance to have coverage for canceling a trip due to the fear of getting ill. AIG Travel Guard offers this coverage on its Deluxe and Preferred plans.

Point-of-Sale Availability — In addition to offering travel insurance package policies directly to the public, AIG Travel Guard offers travel insurance products via several travel providers including airlines and various travel services. You’ll find the option to purchase Travel Guard protection during the checkout process with companies such as United Airlines or Frontier Airlines when purchasing a flight and when making a travel purchase via Costco Travel .

Call for Additional Quotes — While AIG Travel Guard does sell annual multi-trip policies, you must call to request a quote. Adventure sports coverage, medevac coverage, and rental vehicle damage coverage quotes are also available via phone.

15-Day Free Look Period — If you decide, after you have reviewed your purchased policy, that you do not want it, you may receive a full refund.

Cruise Insurance Option — AIG Travel Guard offers cruise insurance that includes cruise diversion and other applicable coverages.

Filing a claim — to initiate a claim, you can either call AIG Travel Guard at 866-478-8222 or access travelguard.com to begin the process. You will need your policy number handy. Once your claim is submitted, you can check the status at claims.travelguard.com/status .

First, know that when purchasing a policy from AIG Travel Guard, you’re buying from a highly-rated established insurance company. Here’s how the company stacks up in relative comparison with other travel insurance companies.

To Other Travel Insurance Companies

Comparing travel insurance policies can be complicated as coverage limits and prices vary widely. We looked at a 1-week trip to Mexico for a traveler 40 years of age and a total trip cost of $3,000 as criteria for obtaining a quote.

AIG Travel Guard’s Preferred plan, which prices out at around $200, aligns with the John Hancock Bronze policy above. Add in CFAR coverage, however, and the comparison costs are closer to AIG Travel Guard’s $254 premium for its Preferred level plan that also includes CFAR.

This 1 example uses the criteria of a specific trip for an individual traveler of a certain age and may not reflect the same relative premium costs as other comparisons.

Your own individual traveler information, the number of travelers, trip length, destination, state of residence, selected coverages, and the total cost of your trip will ultimately determine the premium cost. Our example is just a narrow snapshot comparison.

Bottom Line: Travel insurance policy coverages and costs vary dramatically. To ensure you’re receiving good value, determine the coverages that are most important to you, compare policy options, and purchase from a reliable company. 

To Credit Card Travel Insurance

The travel insurance coverages that come complimentary on your credit cards are no substitute for a comprehensive travel insurance policy. With that being said, the coverage that comes with your credit card could be enough to cover some trips.

Here are some examples of trips where you may not need travel insurance and the coverage you have on your credit card could be sufficient.

• The trip consists of only a round trip domestic flight and hotel stay
• The trip is a road trip by car
• The trip does not include any non-refundable trip expenses
• The trip does not have several travel providers involved
• Your health insurance covers you while traveling and you are not worried about having additional medical coverage during your trip

Also, keep in mind that coverage offered on your credit card is generally secondary versus a primary travel insurance policy. This means you must first file a claim with other applicable insurance, including coverage with the airline or travel provider, for example, before the credit card coverage will kick in.

Bottom Line: If you have a significant investment at stake, several travel providers involved, or want medical coverage during your travels, you should purchase a comprehensive travel insurance policy for your trip and not depend on a credit card with travel insurance . 

Travel insurance is widely available and competitive. You won’t have trouble purchasing some level of coverage regardless of your situation. Additionally, there are travel insurance comparison websites that make it easy to find a policy that fits and purchase coverage that is effective immediately.

These travel insurance comparison websites are each easy to use, have qualified people to assist, and all feature policies offered only by highly-rated companies.

Travelinsurance.com

• Instant coverage
• Simple format, easy to secure a quote quickly
• Guarantees the best price for the policy you’re purchasing

Squaremouth

• Features 20 companies with nearly 120 different policy options
• Its customer service team is award-winning
• You can access thousands of customer reviews

InsureMyTrip

• Educational content to assist you in understanding coverages
• Features 21 highly-rated companies
• Licensed agents can answer questions and assist with a claim

Bottom Line: Travel insurance comparison websites provide quick easy access to securing a quote, compare several high-rated travel insurance providers at once, and the benefit of receiving immediate coverage. 

While airlines and travel providers have made significant changes to cancellation, refund, and exchange policies, it’s still important to consider purchasing travel insurance if you’re uncomfortable with the possibility of losing your trip investment or incurring unexpected expenses during your journey.

In addition, if you need medical insurance coverage during your trip, you won’t find that coverage on a credit card or with the airlines — you’ll need to purchase it.

The fact that AIG Travel Guard does not exclude COVID-19 related claims under certain coverages and offers a Cancel for Any Reason add-on is significant as not every travel insurance company can make that claim.

Also, if you have children traveling with you, you may find good value with AIG Travel Guard having those under 17 included for no extra charge (1 per premium-paying adult).

The bottom line when purchasing travel insurance from AIG Travel Guard is that if you can secure the coverages you need at a price you’re comfortable with and you’ll know you’re completing that transaction with a highly-rated established company.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

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How Do Travel Insurance Claims Work?

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Table of Contents

How travel insurance claims work

How to submit your travel insurance claim and get reimbursed, time limits for filing a claim, how long do claim submissions take, how to choose a travel insurance plan, if you need to file a claim from your travel insurer ....

Whether your flight has been canceled, your luggage is lost or you get sick or injured during your trip, travel insurance can protect you. But to get your benefits, you need to submit one or more travelers insurance claims, depending on your situation.

Here's how travel insurance claims work and what to watch out for when submitting your claim.

Travel insurance claims are the system through which a traveler submits documentation to their insurance provider for reimbursement of a covered expense. This reimbursement is not guaranteed; instead, it hinges on the approval of the claim from the insurance underwriter.

In general, the provider will need to verify the situation before remitting any reimbursements to travelers, and the level of coverage varies significantly. Insurance providers typically have very explicit, extensive requirements in order for claims to be confirmed and refunded.

Travel insurance 101 means knowing how travel insurance claims work. Hopefully, you’ll never need to file a claim, but it pays to know the following facts if the worst should happen.

» Learn more: What to know before buying travel insurance

You must qualify for a covered reason

Insurance companies are very explicit about the situations they will cover, and coverage details vary by company and the type of policy that you've purchased.

In general, the more expensive your policy, the more benefits the policy will offer. While some policies cover only medical emergencies, others cover trip cancellation and interruption , lost or stolen bags, and other losses.

Even though policies can be dense or boring to read, be sure you look at the details of yours so you know what types of situations you're covered for .

The details of your claim matter

The details about your reason for canceling are important, and the specifics will determine your eligibility. For example, you may not be feeling well, but are you sick enough that a doctor would suggest that you cancel your trip? There's a big difference between having a small cough and having pneumonia.

You may have to go through extra steps, like seeing a doctor, to prove your eligibility.

» Learn more: The best travel insurance companies

Reservations must be nonrefundable to qualify for cancellation benefits

When you’re traveling on miles and points, you can receive medical, trip delay and lost luggage benefits from a travel insurance policy you purchase. But if you want reimbursement for a canceled flight, travel insurance only covers nonrefundable expenses.

This prevents travelers from trying to "double-dip" and get a refund from both the airline and the travel insurance company.

Keep cancellation policies in mind before purchasing travel insurance. If you’re flying Southwest Airlines, which offers easy changes and refunds, and if your hotel has a 24-hour cancellation policy and you don’t have many activities booked in advance, you may not need travel insurance. The more flexible your plans, the less need you will have for travel insurance.

Claims should be submitted as soon as possible

Being proactive and timely with your claim ensures you won’t miss any deadlines that the travel insurance company may have. You don't want to go through the entire claims process only to find out that you missed the deadline by a few days. Instead, start your claim as soon as you can.

Organization is your friend

The travel insurance company will require documentation to support your claim, so you'll want to be organized as you collect the necessary records.

To stay organized with your documents, set up a folder in your email account for relevant messages, keep all paper receipts in an envelope and write down details of every conversation.

Many travelers digitize everything to make it easier to submit documents via email or an online portal. Your documentation should show that you have a valid claim that meets the insurance company requirements.

Time limits for filing a travelers insurance claim vary from company to company, so it is wise to refer to your specific policy to ensure you have a clear idea of the timeframe. Overall, most companies require claim submissions within 3 months of the incident.

For instance, according to insurance provider Seven Corners , "You must file your claim within 90 days of the incident, also known as the timely filing limit."

After you've submitted your claim — and assuming you have provided all of the required documentation and other elements — it can take up to two weeks for your reimbursement to be remitted.

Generally speaking, you should expect communication regarding your claim within that same timeframe. This could be to alert you of your claim's approval or to ask for additional evidence.

The more complex your travel insurance claim, the longer your approval and reimbursement process may take.

If your claim is approved, expect to receive a check or direct deposit of the amount owed.

Shop around if you’re looking to purchase a travel insurance plan. There are many online providers of travel insurance and the coverage amounts, limits, exclusions and other offerings can vary widely from provider to provider, not to mention policy to policy — even within the same company.

A comparison tool, like SquareMouth , can help you filter results based on what is important to you. You can filter your search to find policies that cover trip cancellation, trip interruption, baggage, medical treatment or other needs. You can then compare the cost of one policy against others based on your preferences and budget.

Travel insurance offers valuable protection in case something goes wrong with your travel plans. Your policy benefits will vary based on the level of coverage purchased and which company is offering the protection. When evaluating travel insurance providers, learn about their claims process should the worst-case scenario come true.

How to maximize your rewards

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Business travelers: Ink Business Preferred® Credit Card

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60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

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1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

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*Discount only available when purchasing through Leisure Guard direct. Discount does not apply to add-ons or any additional premium for pre-existing medical conditions. This discount is only available to new travel insurance policies and must be added at time of purchase.  

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Travel Guard Travel Insurance Review 2024

Updated: Feb 28, 2024, 7:42am

Travel Guard travel insurance offers unlimited emergency medical coverage for travellers under age 54, and a still-generous $10 million for those 55 and up. There’s also a number of add-ons for certain plans if you’re a business traveller, taking a golf or ski vacation, or flying to a destination wedding. And if you’re worried about having to cancel, the Cancel For Any Reason upgrade gives peace of mind. But there are downsides. The mail-in claims process is clunky, and the upgrades aren’t available for all plans. Plus Travel Guard travel insurance isn’t currently offered in Quebec. Still, Travel Guard offers comprehensive coverage for a competitive price.

• Unlimited medical coverage under age 54
• Several benefit add-ons
• Pre-existing medical condition exclusion waiver
• CFAR coverage option
• Not available for Quebec residents
• Medical questionnaire required at age 56
• Clunky claims process
• Maximum age is 85

Table of Contents

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AIG Travel, Inc., a member of American International Group, Inc., is a worldwide leader in travel insurance and global assistance. Travel Guard is the marketing name for AIG’s portfolio of travel insurance and related services for both leisure and business travellers. Medical and security services are provided through a network of wholly-owned assistance centres located in Asia, Europe and the Americas.

Travel Guard Travel Insurance is underwritten by Toronto-based AIG Insurance Company of Canada.

Travel Guard Travel Insurance is currently not available for Quebec residents.

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World Nomads Travel Insurance Review

On World Nomad’s Website

Emergency medical

$5 million, $10 million

Cancel For Any Reason (CFAR)

Baggage insurance (Maximum)

$1,000, $3,000

Here are the key types of travel insurance coverage offered in Travel Guard Travel Insurance plans:

• Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work, as well as medical evacuations, repatriation and arranging for a bedside companion if you are hospitalized.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions cause a massive delay or you lose your job, trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and reimburse money that you lose by cutting a trip short due to a covered reason, including non-refundable activities and hotel stays. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, such as six, 10 or 12 hours.
• Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over. It also extends to your personal belongings, if they are lost, damaged or stolen.
• Travel accident insurance:  This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while in transit during your trip.

Travel Guard Travel Insurance offers four plans for travelling outside of Canada.

Platinum All Inclusive Package: This is the most comprehensive plan offered by Travel Guard with unlimited emergency medical insurance for travellers under age 59, and $10 million in coverage for travellers 60 and up. It includes coverage for unforeseen medical emergencies, trip cancellation and interruption, flight and travel accident coverage, and baggage loss, damage and delay insurance.

Eligible emergency medical expenses include:

• Care received from a physician in or out of hospital
• A hospital room
• Rental or purchase of a hospital bed
• Medical appliances including a wheelchair, brace or crutches
• Diagnostic tests
• Prescription medication
• Private duty nursing
• One follow-up visit for your emergency
• Ground ambulance transportation
• Emergency evacuation and repatriation
• Dental treatment due to a blow to the face, up to $1,500
• Dental treatment due to other causes, up to $600
• Paramedical services, such as treatment from a physiotherapist, chiropractor, chiropodist, podiatrist or osteopath, up to $300 per profession

Medical benefits also include coverage to bring someone to your bedside, expenses for meals, hotel accommodations and associated expenses if you are hospitalized and/or if a medical delay prevents you from returning home, repatriation expenses and return of your remains if you die.

The Platinum All Inclusive Package offers two optional add-ons: Cancel For Any Reason (CFAR) and Cruise and Tour Protector coverage.

The Platinum All Inclusive Package is for travellers age 74 and younger.

Gold Emergency Medical Plan: If you’re only worried about medical emergencies while travelling, this benefit offers all of the medical coverage listed above. The Gold Emergency Medical Plan offers unlimited medical coverage for travellers aged 54 and under, and $10 million in coverage for travellers 55 and older.

Silver Deluxe Trip Cancellation & Interruption Package: This coverage option reimburses you for insured non-refundable travel expenses (such as hotels or prepaid excursions) if you have to cancel, interrupt, or delay your trip due to a covered reason. This benefit also includes baggage loss, damage and delay coverage, flight and travel accident coverage, and provides a specific benefit for a missed connection.

The Silver Deluxe Trip Cancellation/Interruption Package includes six optional add-ons: Cruise and Tour Protector, Expanded Benefits Upgrade, Golf Protector Coverage, Ski Protector Coverage, Business Protector Coverage and Collision Damage Waiver Coverage.

Gold Deluxe Trip Cancellation & Interruption Package: This coverage option offers the same benefits as the Silver package but some have higher payouts.

The Gold Deluxe Trip Cancellation/Interruption Package includes one optional add-on: Cruise and Tour Protector. There is also a Change of Mind benefit that reimburses your cancellation penalties up to $400 if you cancel a trip because you changed your mind, provided your trip has been paid in full.

We’ve highlighted the key benefits of Travel Guard Travel Insurance for the four single trip plans to help you identify which coverage is the best fit for you.

The price of a Travel Guard Travel Insurance plan depends on factors such as the cost of your trip, your age, your answers to a medical questionnaire, if required, and the amount of coverage you choose.

Here are some examples of the cost for Travel Guard Travel Insurance single trip plans for healthy travellers based in Ontario:

TravelSafe Travel Insurance Review

Emergency medical: $1 million Cancel For Any Reason: Yes, 75% Baggage insurance (maximum): $2,000

Related: TravelSafe Travel Insurance Review

• CAA Travel Insurance

Emergency medical: $5 million Cancel For Any Reason: Yes, 50% to 75% Baggage insurance (maximum): $1,500

Related: CAA Travel Insurance Review

TuGo Travel Insurance

Emergency medical: $10 million Cancel For Any Reason: Yes, 50% Baggage insurance (maximum): $500

Related: TuGo Travel Insurance Review

Travel Guard offers several optional add-ons for its travel insurance.

The following six add-ons are available with the Silver Deluxe Trip Cancellation & Interruption Package :

• Business Protector coverage
• Cruise and Tour Protector
• Expanded Benefits Upgrade
• Golf Protector coverage
• Ski Protector coverage
• Collision Damage Waiver coverage

Business Protector coverage: This upgrade offers the following added benefits if you are travelling for business and need to make a claim under these scenarios:

Cruise and Tour Protector: If your pre-booked cruise is cancelled or if the dates are changed by the cruise company or tour operator, you are eligible for the following benefits:

Expanded Benefits Upgrade: This upgrade offers the following increased benefits and added benefits under these scenarios:

• Wedding coverage: If the primary reason for your trip is to attend a wedding and the wedding is cancelled due to the death or hospitalization of the bride, groom and/or parents of the bride or groom
• Wedding, sporting event or conference arrival delay: If the primary reason for your trip is to attend a wedding, sporting event or conference and your arrival is delayed for a reason beyond your control.
• Entertainment benefit: If you are delayed beyond your scheduled return date, the entertainment benefit pays for a ticketed event, such as a movie, live production or sporting event.
• Same-class ticket benefit: If you travelled on business or first class and you are later eligible for a flight replacement under your trip cancellation. Interruption or delay coverage, this benefit upgrades your economy-class ticket to your same-class ticket.
• Meals & accommodation benefit increase: Your meals and accommodation benefits for trip interruption and trip delay are increased.
• Baggage delay benefit increase: Your baggage delay benefit is increased from $400 to $750.
• Hurricane coverage: Your trip cancellation, interruption and delay coverage will now cover hurricanes.

Golf Protector coverage: This upgrade offers the following added benefits if you are playing golf on your trip and need to make a claim under these scenarios:

Ski Protector coverage: This upgrade offers the following added benefits if you are skiing or snowboarding on your trip and need to make a claim under these scenarios:

Collision Damage Waiver coverage: The benefit offers $50,000 in coverage if you need to make a claim due to physical loss or damage to a rental car during your trip.

If you purchase the Platinum All Inclusive Package , you can purchase the following add-ons:

• Cancel For Any Reason coverage
• Cruise and Tour Protector coverage

If you purchase the Gold Deluxe Trip Cancellation & Interruption Package , you can purchase the following add-on:

There are no add-ons with the Gold Emergency Medical Plan .

Using the example of the couple travelling to Mexico, here is the cost of the optional add-ons when selecting the Silver Deluxe Trip Cancellation & Trip Interruption Package with a base premium of $134:

Yes. You can buy multi-trip annual insurance if you travel more than once a year for multiple individual trips. Travel Guard offers nine, 16, 30 and and 60-day annual plans for emergency medical coverage.

Here’s how the cost compares for a single-trip emergency medical plan and the four multi-trip annual plans:

Worldwide emergency travel assistance is available 24/7 by calling the LiveTravel hotline.

When you have a travel medical emergency, the following support may be available:

• Health care facility location
• Assistance finding a doctor who speaks your preferred language
• Translation assistance
• Prescription refill assistance
• Coordinating medically necessary return travel arrangements
• Emergency medical evacuation
• Medical monitoring
• Medical equipment rental/replacement

Depending on your coverage, worldwide travel assistance services include:

• Lost baggage search and stolen luggage replacement assistance
• Lost passport and travel documents assistance
• ATM locator
• Emergency cash transfer
• Travel information, including visa and passport requirements
• Emergency telephone interpretation services
• Urgent message relay to family, friends or business associates
• Up-to-the-minute travel delay reports
• Assistance with obtaining long-distance calling cards for worldwide telephoning
• Inoculation information
• Embassy or consulate information
• Currency conversion or purchase assistance
• Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures
• Up-to-the-minute travel supplier strike information
• Legal referrals/bail bond assistance
• Worldwide public holiday information
• Flight rebooking assistance
• Hotel rebooking assistance
• Rental vehicle booking assistance
• Coordinate emergency return travel arrangements
• Roadside assistance
• Rental vehicle return assistance
• Guaranteed hotel check in
• Missed connection coordination

Personal security assistance includes:

• Arrange emergency and security evacuations
• Coordinate consultants to extract client to safety
• 24/7 access to security and safety advisories, global risk analysis and consultation specialists
• Immediate security intelligence on events occurring throughout the world
• Collaboration with law enforcement

The Gold and Silver Deluxe Trip Cancellation & Interruption Packages also offers the following Concierge Services:

• Assistance with restaurant reservations
• Ground transportation arrangements
• Event ticketing arrangements
• Tee times and course referrals
• Floral services
• Local activity recommendations

You must contact the Assistance Centre before receiving medical treatment or you may have to pay 30% of the eligible medical expenses. If you are unable to call, you must get someone to call on your behalf.

Yes. Travel Guard offers Cancel For Any Reason coverage as an optional add-on with the Platinum All Inclusive Package. If you are prevented from taking your trip for any reason not otherwise covered by the trip plan, Travel Guard will reimburse you for up to 75% of your prepaid, forfeited and non-refundable payments or deposits.

This add-on must be purchased at the same time the base plan is purchased, and within 15 days of the initial trip payment. Any additional payments must also be insured under this coverage within 15 days. To be eligible for coverage, you need to cancel your trip 48 hours or more prior to your departure date.

In general, a pre-existing condition is defined as any sickness, injury or medical condition that existed before the start of your coverage, whether or not diagnosed by a physician, that you showed signs or symptoms of or received medical attention for.

With a Travel Guard travel insurance plan, any pre-existing conditions must be stable and controlled for 90 days before the start of your policy to be eligible for coverage. In additional, Travel Guard will not cover any losses if you:

• Have been required to use, take or been prescribed nitroglycerin in any form more than once during a seven-day period for a heart condition
• Require the use of home oxygen or had to take oral steroids, such as prednisone or prednisolone, for a lung condition

According to Travel Guard, a medical condition is considered stable and controlled when there has been:

• No new treatment, new medical management or newly-prescribed medication
• No change in treatment, change in medical management, or newly prescribed medication
• No new, more frequent or more severe symptom or finding
• No test results showing deterioration
• No investigations or future investigations initiated or recommended for symptoms whether or not your diagnosis has been determined
• No hospitalization or referral to a specialist (made or recommended)

Travel Guard offers a Pre-existing Medical Condition Exclusion Waiver whereby the company will waive any pre-existing medical condition exclusions if:

• The policy is purchased within 15 days of making the initial trip payment
• Any additional payments or deposits are insured within 15 days of purchase
• You (the insured) are medically able to travel when you pay your premium

In addition to pre-existing condition exclusions, there are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim. The following are general exclusions to coverages provided by Travel Guard travel insurance:

• Expenses from any sickness or injury present before you bought your policy that you would expect to need medical treatment or hospitalization during your trip
• Expenses incurred once the medical emergency ends
• Non-emergency or prescription medication, including vaccinations, medication for the maintenance of a medical condition, vitamins, physical exams or routine tests
• Organ or bone marrow transplants, or surgery for artificial joints or prosthetic devices or implants
• Expenses for acupuncture or holistic treatment
• Ionizing radiation or radioactive contamination
• Eligible expenses that were not pre-approved
• Any medical condition if if was determined you could return home but you chose not to travel
• Expenses for any services prohibited by your provincial or territorial health insurance plan
• Routine prenatal care, a child born during your trip, childbirth or associated complications, pregnancy or associated complications after 26 weeks or any time after the expected date of delivery
• Your mental or emotional disorders
• Suicide or attempted suicide or intentional self-inflicted injury
• Any alcohol-related sickness, injury or death, or the abuse of medication, drugs, alcohol or other toxic substance
• A trip taken against your physician’s orders not to travel
• Your commission of, or attempt to commit, a crime
• Your participation in rock or mountain climbing, hang-gliding, parachuting, bungee jumping, skydiving, ski jumping, ski flying, heli-skiing, ski acrobatics, ski stunting, freestyle skiing, ski racing, ski bob racing, on-piste and off-piste skiing in areas designated as unsafe
• Your participation as a professional athlete in a sporting event
• Your participation in a motorized race or motorized speed contest
• Operating or learning to operate any aircraft, performing employment duties on any aircraft or ship, performing duties in any regular armed force services
• Travel to any country where there is an active travel advisory not to travel before your departure date
• War, acts of foreign enemies or rebellion
• Expenses relating to travel in, to or through Cuba, Iran, Syria, Sudan, North Korea or the Crimea region

There may be additional exclusions specifically for medical, trip cancellation/interruption/delay and baggage coverage.

To be eligible for Travel Guard Travel Insurance you must:

• Be a Canadian resident
• Have purchased your policy prior to your departure date
• Have purchased your policy less than 18 months prior to your departure date
• Have purchased your policy for the full duration of your trip
• Have purchased your policy for the full value of your non-refundable, prepaid travel arrangements
• Be insured under your provincial or territorial insurance plan (or your emergency medical benefits will max out at $10,000)
• Be less than 75 years old
• Be travelling for less than 183 days if you are less than 60 years old
• Be travelling for less than 60 days if you are between 60 and 75 years old

In addition, the following makes you ineligible for Travel Guard Travel Insurance:

• A licensed physician has diagnosed you with a terminal condition.
• You have undergone a bone marrow transplant or an organ transplant (except for a corneal transplant) that requires the use of anti-rejection/immune suppression drugs.
• You require dialysis of any type for kidney disease.
• If you are under the age of 75 and in the last 12 months you have been prescribed or utilized home oxygen therapy at any time.

You can file a claim by contacting Travel Guard by telephone at the numbers listed on the website depending on the province or territory you are calling from.

The insurer will provide the forms for your claim within 15 days of you initiating the claim. However, if you haven’t received the required forms during that time, you can submit your proof of claim in the form of a written statement outlining the cause or nature of the accident, sickness or disability that caused the claim.

If you are making an emergency medical claim, you must provide original receipts for incurred expenses, including those for subsistence allowance expenses.

For a trip cancellation/trip interruption/trip delay claim, you may be asked to provide:

• Proof of all non-refundable, prepaid deposits or payments
• Completed documentation if a medical condition was the cause of the cancellation
• Complete unused transportation tickets and vouchers
• Original receipts for subsistence allowance expenses
• Original receipts for new tickets
• Reports from police or local authorities documenting the missed connection or travel delay
• Invoices and original receipts from travel service providers

If you are making a baggage insurance and personal effects claim, you may need to provide:

• A letter of coverage or denial from the transportation carrier
• A written report regarding the loss or damage
• Original receipts or sales slips for all lost and stolen items over $149.99 per item claimed and proof that you owned the articles
• Original receipts and sales slips for all items claimed under baggage and personal effects coverage

If you are making a Rental Car Collision Damage Protection Benefit claim, you may be asked to provide:

• Your car rental invoice
• Your rental agreement with the record of the damages that existed when you picked up the car
• The police report and rental car agency report including estimate of repair costs

You must file your claim with us within 30 days of the loss or damage in the case of a claim under Rental Car Protector Coverage.

Travel Guard Travel Insurance FAQs

Does travel guard travel insurance pay for medical costs upfront.

According to the company, benefits for emergency medical expenses, emergency evacuation and repatriation of remains services may be payable directly to the provider of the services, however the provider, “must comply with the statutory provision for direct payment and may not have been paid from any other sources.” The insurer adds it will “make every effort, though we cannot guarantee, to pay providers directly.”

Does Travel Guard Travel Insurance offer coverage extensions?

Yes. Your coverage is automatically extended for up to 72 hours if your return home is delayed due to a transportation issue. If you or your travelling companion are hospitalized, your coverage is extended for the period of hospitalization, plus up to 120 hours after discharge. If you or your travelling companion are too sick to travel on your return date but do not require hospitalization, your coverage is automatically extended for up to 120 hours after your planned return date.

If you want to stay longer on your trip, you can extend your coverage if you apply and pay the premium before your original return date as long as you have not made a claim and there is no reason to make a claim.

Does Travel Guard Travel Insurance require a medical questionnaire?

Yes. Travellers over age 55 are required to complete a medical questionnaire to determine your eligibility and rate category.

Does Travel Guard Travel Insurance have any age restrictions?

Yes. You must be a minimum of 15 days old and no more than 85 years old.

When does my coverage with Travel Guard Travel Insurance begin?

In general, if you purchase cancellation coverage, it begins the day you buy your policy and ends the day you make a claim or leave on your trip. Your medical and interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Does Travel Guard Travel Insurance offer a free look period?

Yes. Travel Guard offers a 10-day Right to Examine period during which you can review your policy and cancel if you’re not satisfied with it.

Can I get a refund with Travel Guard Travel Insurance?

You can request a refund for the all-inclusive plan up to the departure date as long as you have not made a claim against the policy. A refund will also be issued if your travel supplier cancels or changes your trip and all your insured trips costs are refunded without penalty.

With an emergency medical plan, you can request a refund if you have a minimum of four unused days of coverage.

No refund will be issued if you have initiated, reported or made a claim against your policy.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

Courtney Reilly-Larke is the deputy editor of Forbes Advisor Canada. Previously, she was the associate editor of personal finance at MoneySense. She was also managing editor of Best Health Magazine and has contributed to publications such as Cottage Life and Blog TO. She currently lives in Toronto.

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Trump says he will visit Springfield, Ohio, 'in the next two weeks'

Former President Donald Trump said at a rally Wednesday that he would travel to Springfield, Ohio, the focal point of unsubstantiated claims targeting Haitian migrants, "in the next two weeks."

"I’m going to go there in the next two weeks. I’m going to Springfield, and I’m going to Aurora" in Colorado, Trump said at a rally in Uniondale, New York.

Trump has pushed ba s eless claims that Haitian migrants in the beleaguered Ohio city are eating pets, which have repeatedly been debunked . His running mate, Sen. JD Vance of Ohio, and the ticket's allies have also spread the lie.

As for Aurora, Trump has repeatedly spread debunked rumors related to Venezuelans in the city.

Social media posts spread online falsely claiming that a Venezuelan gang had taken over an apartment complex, which local officials denied. Trump has repeatedly invoked both Springfield and Aurora at his rallies.

"You may never see me again, but that’s OK. Got to do what I got to do," Trump added. "'Whatever happened to Trump?' 'Well, he never got out of Springfield.'"

Springfield Mayor Rob Rue, a Republican, said at a n ews conference Tuesday that a visit from Trump "would be an extreme strain on our resources."

"So it’d be fine with me if they decided not to make that visit," he said.

NBC News has reported that Trump planned to visit Springfield "soon."

As Trump, Vance and their allies repeatedly spread false claims about the city, Ohio Gov. Mike DeWine said at least 33 bomb threats have been made in Springfield. DeWine, a Republican, said some of them are coming from "one particular country," which he declined to name.

The president of the Haitian Community Support Center in Springfield told NBC News that the conspiracy theory has made Haitians "scared for their lives."

Trump has spread false claims about Haitian migrants at his rallies and during his debate last week against Vice President Kamala Harris.

“In Springfield, they’re eating the dogs," Trump said, falsely, during the debate. "The people that came in, they’re eating the cats. They’re eating, they’re eating the pets of the people that live there."

Spring f ield o f f icials said there are "no credible reports" to support the claim.

The Trump campaign did not immediately respond to a request for further information about his plans for a trip.

Megan Lebowitz is a politics reporter for NBC News.