We have purchased travel insurance many times. This is the first time we have ever filed a claim. And what a great experience. I wish my normal insurance carriers were as good! When next we travel, you can be assured we will use AIG Travel Guard.
Mary R. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for a plan that is no longer available.
We didn't have to submit a claim, but I am so happy we had this insurance for peace of mind. We were traveling on a cruise with two small children and you never know what will come up. I will purchase again!
Ian K. would
recommend this plan to a friend or relative.
0 of
0 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for a plan that is no longer available.
Like all insurance, you hope you never need it. However, this was my second travel policy with AIG Travel Guard, and it gave me the secure feeling that I had with the first. I will insure again with AIG Travel Guard on my next trip.
Hiram D. would
recommend this plan to a friend or relative.
0 of
0 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for a plan that is no longer available.
Total waste of $150. Insurance covered nothing when I filed a claim. They said it was a pre-existing condition. The traveler was not sick when tickets were bought, but got a UTI after. will not use this company again.
Robert K. would not
recommend this plan to a friend or relative.
5 of
5 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for a plan that is no longer available.
Thank you for providing your review. Many travelers believe that a preexisting condition indicates that the individual is actually "sick" with that condition prior to purchasing the policy. The preexisting condition exclusion simply tells you that there is no coverage for ANY medical condition, no matter how minor, if that medical condition is referenced in your medical records as receiving treatment or a recommendation for treatment within the look-back period. Treatment may mean a new prescription, a change in prescription or a diagnostic test, even if that test came out as "negative". It would also include symptoms that would have caused a prudent person to seek treatment.
We are sure that you will all agree that this is a very broad definition that would include most medical conditions. However, keep in mind that the look-back period under the Comprehensive plans is only from 60 to 180 days (depending on plan) prior to the policy's effective date, and that the waiver of that exclusion is available in most plans. Unfortunately the AIG Travel Guard Basic plan has no option to purchase the waiver and does have a 180 day look-back period. Nevertheless, you purchased this plan on 10/09/2015 which was within 7 days of your Initial Trip Payment so had you purchased the AIG Travel Guard Silver, Gold or even Platinum plan, you could have had coverage for that condition.
In the future, please give us a call at 800-487-4722 for competitive quotes so that we can review the coverage.
Good service, good coverage. I wanted the plan especially for emergency return in case of injury or illness. As it turned out I had a close call on a possible leg injury, but luckily didn't need the emergency return. I had to alter the policy just before leaving due to a date error I had made. Travel Guard was very helpful, amending the policy without a problem.
Michael D. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for a plan that is no longer available.
We are sure that you will all agree that this is a very broad definition that would include most medical conditions. However, keep in mind that the look-back period under the Comprehensive plans is only from 60 to 180 days (depending on plan) prior to the policy's effective date, and that the waiver of that exclusion is available in most plans. Unfortunately the AIG Travel Guard Basic plan has no option to purchase the waiver and does have a 180 day look-back period. Nevertheless, you purchased this plan on 10/09/2015 which was within 7 days of your Initial Trip Payment so had you purchased the AIG Travel Guard Silver, Gold or even Platinum plan, you could have had coverage for that condition.
In the future, please give us a call at 800-487-4722 for competitive quotes so that we can review the coverage.