AIG Travel Guard Gold: Frequently Asked Questions
How does trip cancellation and interruption coverage apply?
It reimburses for forfeited, non-refundable, unused payments or deposits if the insured must cancel or interrupt their trip due to covered reasons. The interruption benefit may also include coverage for additional transportation expenses.
What is a pre-existing medical condition?A pre-existing condition is one that was first diagnosed, had a change in diagnosis, or required a change in medication during a certain time period immediately preceding and including the effective date of the travel insurance coverage. The time period is usually 60, 90, or 180 days depending upon the plan purchased.
What else is typically included in a Travel Guard insurance plan?In addition to trip cancellation and interruption, most travel insurance plans include coverage for trip delay, missed connection, baggage and personal effects, baggage delay, medical expense, and emergency evacuation which includes repatriation of remains. 24 hour assistance services are included to help the traveler with things such as emergency medical assistance, lost baggage tracking, emergency cash transfer, emergency or last minute travel arrangements, assistance with replacing lost travel documents, and much more.
Does the Baggage and Personal Effects Loss coverage include all items I may take with me while traveling?No, there are some items that are not included such as artificial prosthetic devices, false teeth, any type of eyeglasses, sunglasses, contact lenses or hearing aids, tickets, currency, etc.
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Can I purchase a plan without medical coverage for my trip?No. All of the packages include medical expense coverage
Can we get a refund of travel insurance plan after purchase?
Travel Guard plans include a Fifteen Day Look where customers may request a refund in writing to [email protected] within 15 days of the purchase date or prior to departure, whichever happens first. The customer will receive a refund of the plan cost excluding any service fees.
How do I file a claim?Call us at 1.800.826.1300, our claims department is available Monday - Friday 7 am to 7 pm CST. A representative will start the claim with you over the phone and explain what needs to be provided in order to process your claim. The form will then be mailed, faxed or emailed to you for signature and you will be asked to provide the appropriate documents.
Do I need a proof of coverage to obtain a visa (a Schengen letter)?
Please call our World Service Center at 1.800.826.1300 and a representative will be able to provide you with this information.
Will the plan reimburse for the single supplement if my traveling companion cancels?If a traveling companion cancels and you are held responsible for a single supplement, you would be covered for the change in the per person occupancy rate as long as the reason for the cancellation was covered under the terms of the plan.
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