Travel Insurance Reviews for AIG Travel

We are very sorry to hear about your hospitalization while on your trip. We hope that you have fully recovered! In general, travel insurance is reimbursement based. The Insured files a claim for losses related to a covered trip, and all claims are fully adjudicated based on the coverage purchased and supporting documentation. We cannot preapprove or deny a claim. There are limited circumstances in which advance payment may be provided, such as to a hospital or provider if it’s required prior to admission. These details are outlined within your Policy of Insurance document.



It’s also important to note that while many Travel Guard products have “primary” medical, the Essential Plan is our more economical option and medical is “secondary”. This means the Insured would file through any other primary provider first, before filing a claim for the excess under their Essential policy. The Essential plan offers an optional upgrade called the Medical Bundle to make the medical benefit “primary” instead of “secondary”, but this upgrade needs to be elected and purchased prior to the trip departure date. As noted, we have many plans that include primary medical automatically without needing to purchase an upgrade for it. Our Preferred plan for example, is the next step up from the Essential plan, and it includes primary medical. Please refer to the description of the Travel Medical Expense benefit within your Policy of Insurance for more information, or call us to learn more. That being said, we are also sorry to hear you experienced challenges while trying to contact us during your trip. You indicated you did not wish to be contacted in regards to your review, but please let us know which phone number you were calling, so we can fully investigate and rectify the issue if need be. The International, Domestic, and 24/7 Emergency numbers listed on the Policy of Insurance document all appear to be in working-order. These numbers are as follows:

USA : 1.800.826.1300 | International : 1.715.345.0505 | 24-Hour Emergency Travel Assistance : 1.800.826.8597

Always make sure to use appropriate country and city codes when calling.



Thank you for sharing your concerns, and we are very sorry to hear you were unsatisfied with the experience. We strive to exceed expectations, and do not take concerns lightly. If you would like the Claims Adjuster to contact you about your claim, please notify us or IMT to arrange a call.