Enroll for AIG Travel Guard

Our trip insurance plans include assistance with navigating canceled flights, lost bags, sudden health emergencies, and more – virtually anywhere in the world.

Schedile of Benefits

  • Trip Cancellation ..................................................Trip Cost up to a maximum of $100,000
  • Trip Interruption.............................up to 150% of Trip Cost up to a maximum of $150,000
  • Trip Interruption-Return Air Only.............................................................................$1,000
  • Trip Delay .........................................(Maximum of $200 per day)to a maximum of $1,000
  • Missed Connection .................................................................................................$1,000
  • Baggage & Personal Effects.....................................................................................$2,500
  • Baggage Delay ...........................................................................................................$400
  • Accident Sickness Medical Expense...................................................................$100,000*
  • Dental........................................................................................................................$500
  • Physical Therapy.....................................................................................................$2,000
  • Emergency Evacuation & Repatriation of Remains ..........................................$1,000,000*
  • Escort Maximum ..................................................................................................$25,000
  • Accidental Death & Dismemberment.....................................................................$50,000

Extension of Coverage:

All coverages, except Trip Cancellation and Cancel for Any Reason, will be extended, if:

  1. the Insured's entire Trip is covered by the plan;
  2. the Insured's return is delayed by one of the Unforeseen events specified under Trip Cancellation and Interruption or Trip Delay.

This extension of coverage will end on the earlier of:

  1. the date the Insured reaches his/her Return Destination; or
  2. 7 days after the date the Trip was scheduled to be completed.

Baggage Extension of Coverage: If an Insured’s Baggage, passports and visas are in the charge of a Common Carrier and delivery is delayed, coverage for Baggage and Personal Effects will be extended until the Common Carrier delivers the property to the Insured. This Extension does not include loss caused by the delay.

EXCLUSIONS

This plan does not cover any loss caused by or resulting from:

  1. intentionally self-inflicted Injury, suicide, or attempted suicide of the Insured while sane or insane;
  2. Normal Pregnancy or Childbirth, other than Unforeseen Complications of Pregnancy, or elective abortion of the Insured, a Traveling Companion or a Family Member;
  3. war or act of war, whether declared or not, participation in a civil disorder, riot or insurrection;
  4. commission of or attempt to commit a felony by the Insured;
  5. Mental, Nervous or Psychological Disorder;
  6. if the Insured’s tickets do not contain specific travel dates (open tickets);
  7. being under the influence of drugs or narcotics, unless administered upon the advice of a Physician or intoxication above the legal limit;
  8. any loss that occurs at a time when this coverage is not in effect;
  9. traveling for the purpose of securing medical treatment;
  10. any Trip taken outside the advice of a Physician;
  11. PRE-EXISTING MEDICAL CONDITION EXCLUSION: The Company will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition of an Insured, Traveling Companion, Business Partner or Family Member which, within the 180 day period immediately preceding and including the Insured’s coverage effective date: (a) first manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; (b) for which care or treatment was given or recommended by a Physician; (c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

The Company will waive the pre-existing medical condition exclusion if the following conditions are met:

  1. This plan is purchased within 21 days of Initial Trip Payment;
  2. The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the Trip at the time of purchase and the costs of any subsequent arrangements added to the same Trip are insured within 21 days of the date of payment or deposit for any subsequent Trip arrangements;
  3. All Insured’s are medically able to travel when this plan cost is paid;
  4. The Trip Cost does not exceed $100,000 per person (only applicable to Trip Cancellation/Interruption). This coverage will be terminated and no benefits will be paid under this Pre-existing Medical Condition Exclusion Waiver coverage if the full costs of all prepaid, nonrefundable Trip arrangements are not insured.

Claim Procedures:

Notice of Claim: The Insured must call Travel Guard as soon as reasonably possible, and be prepared to describe the Loss, the name of the company that arranged the Trip (i.e., tour operator, Cruise line, or charter operator), the Trip dates, purchase date and the amount that the Insured paid. Travel Guard will fill in the claim form and forward it to the Insured for his or her review and signature. The completed form should be returned to Travel Guard, PO Box 47, Stevens Point, WI 54481 (telephone 1.800.826.1300). All claims will be administered by AIG Claims Inc., in those states where it is licensed.

ASSISTANCE SERVICES*

All Assistance Services listed below are not insurance benefits and are not provided by the Company. Travel Guard provides assistance through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the traveler.

Travel Medical Assistance

  • Emergency medical transportation assistance
  • Physician/hospital/dental/vision referrals • Assistance with repatriation of mortal remains
  • Return travel arrangements
  • Emergency prescription replacement assistance
  • Dispatch of doctor or specialist
  • Medical evacuation quote
  • In-patient and out-patient medical case management
  • Qualified liaison for relaying medical information to family members
  • Arrangements for visitor to bedside of hospitalized Insured
  • Eyeglasses and corrective lens replacement assistance
  • Medical payment arrangements
  • Medical cost containment/expense recovery and overseas investigation
  • Medical bill audits
  • Coordinate shipment of medical records
  • Assistance with medical equipment rental/replacement

Worldwide Travel Assistance

  • Lost baggage search; stolen luggage replacement assistance
  • Lost passport/travel documents assistance
  • ATM locator • Emergency cash transfer assistance
  • Travel information including visa/passport requirements
  • Emergency telephone interpretation assistance
  • Urgent message relay to family, friends or business associates
  • Up-to-the-minute travel delay reports
  • Arrangements for long-distance calling cards for worldwide telephoning
  • Inoculation information
  • Embassy or consulate referral
  • 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

LiveTravel® Emergency Assistance

  • Flight rebooking
  • Hotel rebooking
  • Rental vehicle booking
  • Emergency return travel arrangements
  • Roadside assistance
  • Rental vehicle return assistance
  • Guaranteed hotel check-in
  • Missed connections coordination

Concierge Services

  • Restaurant referrals and reservations
  • Ground transportation arrangements
  • Event ticketing arrangements
  • Tee times and course recommendations
  • Floral services
  • Personal Security Assistance

  • Arrange emergency and security evacuations
  • Deployment of consultants to extract client to safety
  • 24/7 access to security and safety advisories, global risk analysis and consultation specialist
  • Immediate security intelligence of events occurring throughout the world
  • Collaborate with law enforcement to assist with apprehension and prosecution of victim assailants
  • * Non-insurance services are provided by Travel Guard.