If you’re a senior planning to make retirement the best time of your life, you’ll need travel insurance. With an AIG Travel Guard travel insurance policy, you can travel domestically or internationally and enjoy coverage for illness, trip delays, and more. Furthermore, you’ll have support at home to assist you in finding the best restaurants and events or in getting help during a medical emergency.
AIG Travel Guard Travel Insurance Pros and Cons
Our AIG Travel Guard Travel Insurance review includes everything you need to know to make an informed decision, including both the pros and cons of purchasing a policy.
Pros
Various plans to choose from, including Pack N’ Go & Annual Plan
Extensive Coverage
Add-ons for pet coverage, adventure sports, car rentals, & more
Call collect to support
Medical and dental coverage up to $100,000
No age restrictions
Cons
Cost $$$
No senior discounts
No trip extension option
Unfavorable customer reviews
AIG Travel Guard Travel Insurance Features and Benefits
AIG Travel Guard makes our list of the best travel insurance for seniors for is its extensive coverage options. You can choose between three tiers of coverage: a Pack N’ Go plan for spontaneous trips or an Annual Plan if you’re looking to jet set throughout the year. Furthermore, the coverage offered within their plans spans just about any need you can imagine, from medical care to finding the best concert tickets.
- Various plans to choose from, including Pack N’ Go & Annual Plan
- Extensive Coverage
- Add-ons for pet coverage, adventure sports, car rentals, & more
- Call collect to support
- Medical and dental coverage up to $100,000
- Medevac coverage up to $1,000,000
- Telemedicine services
- Pre-existing coverage with an upgrade
- Accidental Death & Dismemberment coverage
- Trip cancellation, interruption, and delay coverage
- Baggage loss, theft, damage, and delay coverage
- Missed connection reimbursement
- Evacuation and Repatriation reimbursement
- Concierge services
- Travel Assistance
- Medical Assistance
- Security Assistance
- No waiting period
- No age restrictions
Related Article: Why Is Travel Insurance Important?
AIG Travel Guard Travel Insurance Editorial Rating
Trusted Company Reviews Rating Score for AIG Travel Guard: 8.5/10
AIG Travel Guard earned an impressive 8.5/10 on our rating scale, largely due to its spontaneous trip option. This features coverage available the same day you purchase it, for times when your spontaneity has taken over, and you’re jet-setting off on an adventure. Just make sure you purchase your policy before you depart!
If you’re more of a planner but travel frequently, they also have an annual plan that covers all your spontaneous trips throughout the year. So, you can go wild and see the world with no worries!
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AIG Travel Guard Travel Insurance |
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Best Travel Insurance for Spontaneous Seniors |
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| Policy Cost | $$$ |
| Medical Coverage | Yes |
| Telemedicine | Yes |
| Pre-Existing Conditions | Yes |
| Age Restrictions | X |
| Specialized Plans for Seniors | X |
| Trip Cancellation | Yes |
| Trip Delay | Yes |
| Trip Interruption | Yes |
| Trip Inconvenience | Yes |
| Missed Connections | Yes |
| Baggage Loss/Delay | Yes |
| Concierge Services | Yes |
| Identity Theft Protection | Yes |
| Customer Reviews | 1.6/5 |
| TCR Score | 8.5/10 |
About AIG Travel Guard Travel Insurance
While it’s clear that AIG Travel Guard provides all the standard coverages you’ll need on your trip, there’s another aspect of travel that you need to consider: security. With your policy, you’ll have 24/7 access to security assistance. While it’s one of the less exciting aspects of travel, its importance is paramount. With just a phone call, you’ll have support that includes secure evacuation assistance, security and safety advisors to walk you through the best course of action, security training, cultural training, and up-to-date messages concerning risks.
Where Can I Travel With AIG Travel Guard Travel Insurance?
Your AIG Travel Guard Travel Insurance coverage extends to all locations within the United States and most locations worldwide. Exclusions include countries sanctioned by the Office of Foreign Assets Control (OFAC). These countries are restricted from trade with the US due to national security and foreign policy concerns. These may include:
- Cuba
- North Korea
- Iran
- Syria
- Russia
- Crimea
- Donetsk
- Luhansk
- Afghanistan
- Central African Republic
- Iraq
- Nicaragua
- Venezuela
- Balkans
- Democratic Republic of Congo
- Lebanon
- Somalia
- Yemen
- Belarus
- Ethiopia
- Libya
- South Sudan
- Burma (Myanmar)
- Hong Kong
- Mali
- Sudan
If you plan to travel to these locations, carefully inquire about coverage availability.
Plans and Coverages
With AIG Travel Guard, you can choose from various plans to find the one with just the right coverage for your trip. Their Delux, Preferred, and Essential plans are akin to what you’ll find with other travel insurance companies. However, they also offer additional plans that are unlike the usual policies.
The Pack N’ Go Plan provides coverage for spontaneous travel. So, go ahead, make those last-minute travel plans and enjoy:
- Up to 100% reimbursement for trip interruptions
- Up to $1,000 reimbursement on trip delays
- Up to $500 for a missed connection
- Up to $50,000 medical and dental expense coverage
- Up to $1,000 reimbursement if your bags are lost, damaged, or stolen
- Up to $200 for a baggage delay
- Up to $500,000 for medical evacuation or repatriation
If you’re a jet setter and want to avoid purchasing coverage for each trip, AIG Travel Guard’s Annual Plan might be what you’re looking for. You’ll enjoy most of the same coverage offered through the top two tiers but for the entire year, leaving you free to take off whenever you’re ready!
AIG Travel Guard Travel Insurance Coverage |
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Sample Cost (2 senior travelers to Australia for 2 weeks for $20,000) |
$12,075.49 | $10,500.18 | $8,913.89 |
| Coverage Type | Deluxe | Preferred | Essential |
| Medical Coverage | Up to $100,000 | Up to $50,000 | Up to $15,000 |
| Medevac | Up to $1,000,000 | Up to $500,000 | Up to $150,000 |
| Trip Cancellation | Up to 100% | Up to 100% | Up to 100% |
| Trip Interruption | Up to 150% | Up to 150% | Up to 100% |
| Baggage Loss | Up to $2,500 | Up to $1,000 | Up to $750 |
| Baggage Delay | Up to $500 | Up to $300 | Up to $200 |
| Travel Inconvenience | Yes | Yes | X |
| Missed Connection | Up to $1,000 | Up to $1,000 | Yes |
| Pre-Existing Conditions | Add-On | Add-On | Add-On |
| Car Rental Coverage | Add-On | Add-On | Add-On |
| Lodging Expenses | Add-On | Add-On | X |
| Trip Saver | Yes | Yes | X |
| Trip Exchange | Yes | Yes | X |
| Security Evacuation | Yes | Add-On | X |
| Medical Bundle | Yes | Add-On | Add-On |
| Hospital of Choice Evacuation Upgrade | Yes | Add-On | X |
| Accidental Death and Dismemberment | Up to $3,000 | Up to $30,000 | Up to $30,000 |
| Flight Accident Coverage | Up to $100,000 | Add-On | Add-On |
| Worldwide Travel Assistance | Yes | Yes | Yes |
| Concierge Services | Yes | Yes | Yes |
| Identity Theft Restoration Services | Yes | Yes | X |
| Roadside Assistance | Yes | X | X |
| Personal Security Assistance | Yes | Yes | Yes |
Cost
Our sample trip included two senior travelers to Australia for 2 weeks for $20,000. The cost of travel insurance for this trip is estimated to be:
- Deluxe Package: $12,075.49
- Preferred Package: $10,500.18
- Essential Package: $8,913.89
Within our sample trip, costs for add-ons include:
- Cancel for Any Reason, which reimburses up to the maximum limit on your schedule of benefits if you cancel your trip for any reason: $367.68
- Adventure Sports Bundle. This bundle removes exclusions for certain adventure sports and extreme activities. $78.16
- Quarantine Bundle. This bundle provides a daily benefit if a physician orders you to mandatory quarantine. $194.74
- Name Your Family Bundle, which allows you to deem one person as a family member for the purpose of family member-related unforeseen events: $537.11
- Pet Bundle, which covers boarding and medical expense coverage if your pet becomes ill while traveling. $126.16
- Wedding Bundle, which provides trip cancellation coverage for canceled weddings, unless you are the bride or groom. $27.10
Customer Reviews
AIG Travel Guard has a 1.6/5 star rating with Trustpilot. Of its 86 customer reviews, only 7% gave five stars, and 88% gave the company the lowest possible rating.
Happy consumers praised AIG Travel Guard for their helpful customer service and for paying out claims as expected.
Displeased customers were disappointed for several reasons. One freelance worker noted that when his work trip was canceled, he could not receive reimbursement because he was self-employed and not considered an employee. Others stated that the claim submission process was laborious and that AIG Travel Guard paid out less than expected, leaving them to cover unforeseen expenses.
AIG Travel Guard has an A+ rating with the BBB, but its reviews in this area leave it with a 1/5 star rating.
However, the TravelGuard website boasts 6,714 reviews with an average rating of 4.5/5 stars.
Travel Insurance Alternatives
Our AIG Travel Guard travel insurance review showcases a top choice among providers. However, everybody’s travel and protection needs and budgets are different. Our number one pick, Faye Travel Insurance, and others also offer excellent benefits and are well worth considering. Check out these other travel insurance reviews.
Additionally, consider checking out our best personal loan providers to help fund your adventures.
Frequently Asked Questions
Does travel insurance cover pre-existing medical conditions?
What is the average cost of travel insurance for seniors?
What is the difference between single-trip and annual travel insurance?
Source
Logo image source: aig.com
Tammy McKinney, RN, is a seasoned registered nurse and accomplished healthcare and personal finance writer. With a background in acute care, long-term care, and hospice & palliative care, Tammy combines her medical expertise with her passion for writing to educate and inform the public on various health and finance-related topics.
Tammy McKinney
Last Updated: February 13, 2025
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