I might recommend this plan for coverage, however, I found it more costly than most I have had with other cruise vacation trips. I have taken numerous cruises and have never filed a claim so I could not render a recommendation on that basis.
Alexander B. 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.
Didn't cover a natural disaster that was part of a declared state of emergency in the area we traveled to and were supposed to stay at. We were told as long as flights were flying and doors stayed open at the hotel, we were on our own.
Gavin A. would not
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.
Although we certainly can understand your disappointment with the AIG denial of coverage, this decision would most likely have been the same regardless of the insurance provider. It is very important for all buyers of Comprehensive plans to understand that reimbursement under Trip Cancellation must be based on the covered reasons as listed in the Certificate of Insurance. These covered reasons, which may vary by plan and state, are readily available for your review prior to purchase. Here are the covered reasons with respect to Inclement Weather and Natural Disaster as listed in your AIG Travel Guard Gold plan:
"The Company will reimburse the Insured a benefit, up to the
Maximum Limit shown in the Schedule or Declarations Page if an
Insured cancels his/her Trip or is unable to continue on his/her Trip due to any of the following Unforeseen events...
(b) Inclement Weather causing delay or cancellation of travel...
(d) the Insured’s Primary Residence being made Uninhabitable or Inaccessible by Natural Disaster, vandalism or burglary;
(e) the Insured’s Destination being made Uninhabitable or Inaccessible by flood, tornado, earthquake,
volcanic eruption, fire, wildfire or blizzard that is due to natural causes...
(j) a named hurricane causing cancellation or interruption of
travel to the Insured’s Destination that is Inaccessible or Uninhabitable. Claims are not payable if a hurricane is foreseeable prior to the Insured’s effective date. A hurricane is foreseeable on the date it becomes a named storm. The Company will only pay the benefits for Losses occurring within 30 days after the named hurricane makes the Insured’s
Destination Uninhabitable or Inaccessible...
(n) the Insured’s or Traveling Companion’s company is deemed
to be unsuitable for business due to burglary or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team."
In the future, you may wish to consider purchasing a plan with the Cancel for Any Reason rider. This option, which is available in the AIG Travel Guard Gold and Platinum policies for an additional premium, would reimburse you for 50% of your penalties if you decide to cancel your trip for "other than a covered reason".
We are sincerely sorry that there was no coverage provided by this policy. You may wish to call us at (800)487-4722 or contact us by chat the next time you wish to quote and purchase a plan.
"The Company will reimburse the Insured a benefit, up to the
Maximum Limit shown in the Schedule or Declarations Page if an
Insured cancels his/her Trip or is unable to continue on his/her Trip due to any of the following Unforeseen events...
(b) Inclement Weather causing delay or cancellation of travel...
(d) the Insured’s Primary Residence being made Uninhabitable or Inaccessible by Natural Disaster, vandalism or burglary;
(e) the Insured’s Destination being made Uninhabitable or Inaccessible by flood, tornado, earthquake,
volcanic eruption, fire, wildfire or blizzard that is due to natural causes...
(j) a named hurricane causing cancellation or interruption of
travel to the Insured’s Destination that is Inaccessible or Uninhabitable. Claims are not payable if a hurricane is foreseeable prior to the Insured’s effective date. A hurricane is foreseeable on the date it becomes a named storm. The Company will only pay the benefits for Losses occurring within 30 days after the named hurricane makes the Insured’s
Destination Uninhabitable or Inaccessible...
(n) the Insured’s or Traveling Companion’s company is deemed
to be unsuitable for business due to burglary or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team."
In the future, you may wish to consider purchasing a plan with the Cancel for Any Reason rider. This option, which is available in the AIG Travel Guard Gold and Platinum policies for an additional premium, would reimburse you for 50% of your penalties if you decide to cancel your trip for "other than a covered reason".
We are sincerely sorry that there was no coverage provided by this policy. You may wish to call us at (800)487-4722 or contact us by chat the next time you wish to quote and purchase a plan.