We purchased 2 tickets to Maui, Hawaii and were prompted to buy AIG travel guard trip interruption protection insurance. On way back, Hawaiin Air cancelled our flight and put us on a late evening flight the next day. We had to rent a car, rent a room, pay meals and flight was again delayed. Once back home I filed a claim for expenses which was over $900. AIG sent us a check for $200 saying that trip delay was the only coverage for trip delay only. AIG said the trip interruption protection does not offer airline cancellation protection. This was deceiving and appears to be false advertising. They sell you a Travel Guard policy pretending to cover any trip interruption/cancellation but you are not allowed to see it until you purchase it. We paid $92.76 for the policy. This was a complete sham! AIG appears to be deceiving the public by not being honest/transparent about what the insurance coverage actually covers which apparently is mostly... nothing.

DianaHawaii

Oakland

This insurance (run by AIG) is a total scam. We purchased it with our trip through Travelocity recently and were prodded to buy it, mentioning that we would receive "peace of mind" and "protection" for any unforeseen events. We were flying to see a friend with terminal cancer. Days before our flight departed, he died. We did not make the trip out and filed this insurance claim, filling out the extensive paperwork, including copies of the obituary. Within one week it was denied; they said something about it not qualifying because it wasn't "immediate family". Garbage policy. Will not give you peace of mind. I would always opt not to get this; it's just a waste of $50-odd dollars. Also, the flights that we ended up not taking; I called them and they gave us a travel credit (to be used in the future) anyway. Even better, the hotels and rental car refunded us completely since we called them right away and had not yet used the services. Stay away from Travelgard AIG insurance. SCAM!

twilightninja

Denver, CO

Do not waste your money on this. It is a total scam. I purchased the most expensive insurance available for my travels. I was to get refunded full if I was to cancel 24 hrs prior to my trip. I cancelled a week prior due to passport issues and did not get refunded fully. They make it very hard for you to get anything, absolutely anything from them. Total scam. DO NOT WASTE YOUR MONEY!!

AdrianaAl

Dallas, TX

Let the buyer beware!!! I can not even begin to express my dis-satisfaction with the AIG claim department. I originally submitted all the required claim forms on September 25, 2016 and was told an analyst would review and respond back to me with a decision on my claim within 4-6 weeks. I contacted the AIG claim department on October 18, 2016, to check the status of my claim. I was told they never received my claim forms and I would need to resubmit all the required forms. I was again told it would take approximately 4-6 weeks to evaluate my claim and get back to me with a decision. As requested, I resubmitted all the required claim forms. I contacted the AIG claim department for a 3rd time on December 1, 2016 and again was asked if I submitted all the necessary claim forms. I advised, this was my 3rd attempt at reaching out to the claim department; only to be told they did not have a resolution on my claim and it would take several more days to evaluate my claim. I was told I needed to call back next week to check on the status.....REALLY?? Each time I called the claim department I was placed on hold for a minimum of 15 minutes. This was the first time I've ever had to file a claim and it will be the last! It's obvious AIG doesn't honor their contracts or value their commitment to their customers! I would never purchase travel insurance from AIG again and will tell everyone I know how dis-satisfied I am with with their lack of service!

Sept

Hillside, IL

90 days and no claim settlement. After 60 days received request for same information previously supplied. Little to no response on claim

Bsat

Cincinnati, OH

We purchased AIG travel insurance for our tip to the EU in 2014. Unfortunate we were in a bus accident and returned home with injuries which have resulted in ongoing health problems. I had a broken left foot, and my wife had substantial back injury that has resulted in disability. We were told we had full coverage, we filed an claim and started treatment. Over a year later we were told that the insurance policy did not cover any medical expenses after the trip. If this was the case, why were we told otherwise initially? Did they expect us to stay in the EU for 6 months? I have filed a complaint with the US Department of Justice.

ZB1946

glendale, CA

Trying to return from Brazil back to USA, my wife lost her passport in the airport. We were not permitted to fly from Manaus to Miami. We got our bags out and checked into a hotel near the Policia Federal and the next day got a new passport. We were delayed 24 hours, and racked up $1000 in airfare change fees, plus the hotel, taxi and meals. I called travel guard immediately and spent money on an international phone call, for nothing. Basically, I was advised to "try" to submit a claim based on the trip delay. It was denied, but upon reading my policy closer, I did feel I should at least get $100 per day, for the lost passport. I put in another claim for $100, more or less for the laugh of it. I was told I needed to present $100 dollars worth of receipts. The hotel alone was about 100 USD. My receipt, however, was not itemized with the room rate and taxes. I was in a foreign country and that place I stayed was not a touristy destination. I was happy to get the receipt I did ( a small little piece of paper, showing the total, etc, similar to a grocery store receipt). I also had my credit card statement as more proof, when that came in the mail, which I had at the time of making the claim. CLAIM DENIED. Receipt was not itemized. Plus I included some meal receipts, that were not even considered. I couldn't even get $100 back from these people. I guess any penny they pay out, cuts into their profits. I got the impression I was trying to squeeze water from a stone. When you buy the insurance along with making all of your other travel plans, it is easy to buy it with the click of a button, and getting a false peace of mind.

MikeDnado

null

I purchased trip insurance specifically from travel guard the week I booked my trip because they claim to waive preexisting conditions if the policy is purchased within 10 days of placing a deposit on a trip. Now they are using my preexisting condition to deny coverage in violation of the waiver stated in the policy. BEWARE

worldtraveler58

USA

AIG/Travel Guard denied a theft claim due to police report not filed within 24 hours of theft in Chile. They would not even consider why report was not filed within policy requirements (i.e. language problem, tight time schedule due to scheduled tours and leaving country the next day). Tried appeal process.. but claim still denied!!! Avoid them!!!! There are too many other good travel insurance companies out there! Customer Service Good communication with customer service, they always responded to emails. Available Plans OK, but you probably can't make any claims because they probably will be denied!

DaveNye

USA

We had and still have AIG Travel Guard from the five year time period that we lived and worked in China. Perhaps it's because in our rush to get everything ready to leave the country on a semi-permanent basis, I did not read through all of the literature carefully enough, but I was completely confused about what our AIG Travel Guard policy covered and exactly how it worked. Several times while living overseas, we had events and instances in which we needed coverage, including things like health and medical issues requiring travel, hotel stay and medical bills as well as items stolen and damaged in natural disasters, including earthquakes and storms. Every time I tried connecting with our AIG representative, I was unable to reach him and never received any return correspondence. I tried via phone as well as email on numerous occasions. Once we returned to the States, I got quite a few letters in the mail stating that AIG had changed hands but that my Travel Guard policy was still in effect just under a new name. To this day, I remain utterly confused on what this policy did or is doing for me. Again, I have tried to reach out to the company and have not been met with success.

lhudd

USA