Cruise, Tour and Travel (Platinum Coverage)

Our Platinum plan for travelers who want our most comprehensive package of travel insurance coverage and assistance. Provides our highest limits of medical coverage plus additional benefits when purchased within 15 days of initial trip deposit, including coverage for pre-existing medical conditions and financial default. Optional Coverages include Cancel for Any Reason, Cancel for Work Reasons and Medical Evacuation home or to the hospital of choice.

Pricing:

For $1000 of coverage the approximate cost is $75 for people 35-59 and $104 for people 60-69.  Please call our agents for a complete quotation for your group.


Frequently Asked Questions:

Q. What does this program cover for cancellation?
A. The plan will reimburse the non-refundable, pre-paid payments or deposits if you must cancel your trip for an unforeseen sickness, accidental injury or death of you, your traveling companion, family member or business partner, unforeseen strike, traffic accidents, your principal residence or destination being made uninhabitable by fire, flood, vandalism, burglary, or natural disaster, your being subpoenaed, required to serve on a jury, hijacked or quarantined, military duty, and a terrorist incident. Optional coverage can be purchased to cover you in the event you must cancel for certain work reasons or if you chose to Cancel For Any Reason. For a complete list of covered reasons for cancellation, please refer to the Description of Coverage (DOC).

Q.  Will I be covered if I cancel my trip for any reason?
A. Yes, if you purchase the Cruise, Tour and Travel plan, and you purchase the optional Cancel For Any Reason coverage all within 15 days of your initial trip payment (limitations apply). See the Description of Coverages (DOC) for complete details.

Q. What happens if a family member not traveling becomes ill or passes away? Is this covered?
A. An illness or death of a family member not traveling with you may be considered a covered reason for Trip Cancellation or Trip Interruption (conditions apply). The definition of family member is included in the Description of Coverage (DOC).

Q. What is the Pre-Existing condition waiver and how can I qualify?
A. The Pre-existing medical condition exclusion will be waived if: 1) this plan is purchased within 15 calendar days of initial trip payment. This is applicable to all coverages contained in the policy. 2) the amount of trip cost insured must equal the full cost of all non-refundable trip arrangements. 3) the cost of any subsequent arrangement(s) added to the same trip are insured within 15 days of the date of payment or deposit for any subsequent trip arrangement(s). 4) you are medically able to travel when you purchase this coverage. For Trip Cancellation or Trip Interruption coverage, the pre-existing condition exclusion will be waived up to the first $50,000 of trip cost per person.

Q. Can I cancel my trip for work-related reasons?
A. If you purchase the Cruise, Tour and Travel plan with the optional Cancel for Work Reasons coverage all within 15 days of your initial trip payment, you are covered in the event you must cancel due to specific work-related reasons.  For a complete list of covered work-related reasons, please refer to the Description of Coverage (DOC).

Q. Does this plan include medical evacuation back home?
A. If you purchase the optional Umbrella Package with the base plan, you upgrade your Emergency Medical Transportation coverage to include transportation home or to the hospital of your choice for covered evacuations.

Q. Are there co-payments or deductibles with your plan?
A. The coverage is primary. There are no deductibles or co-payments.

Q. How large of a trip can I cover?
A. With the Cruise, Tour and Travel plan, you can insure trip costs up to $100,000.

Q. Does everyone going on the trip need to purchase the insurance to be covered?
A. Yes. The cost is based on a per person trip cost, therefore each individual is covered separately. Only those listed as travelers on the enrollment form will be covered.

Q. Do I need to cover all trip arrangements?
A. Yes, to receive maximum coverage under the plan, you must purchase insurance to cover all of your pre-paid non-refundable trip arrangement, and you must purchase within 15 days of your initial trip payment.

Q. Is there an additional charge for trips over 30 days?
A. Yes, if your trip is longer than 30 days, an additional $5 per day per person for the days over 30 is required.

Q. When does the coverage begin?
A. The Trip Cancellation coverage begins at 12:01 am local time at the location of the insured on the day after the Enrollment Form and payment is received by AIG Travel Guard. All other coverages will begin at 12:01 am local time at the location of the insured on the scheduled trip departure date shown on the Enrollment Form provided required payment has been received.

Q. How do I file a claim?
A. To file a claim, you can call AIG Travel Guard between the hours of 7:00 am and 7:00 pm Central Time and start the process with a Claims Analyst. The analyst will explain what needs to be provided to process your claim. The form will then be faxed or mailed to you to provide that information.

Q. What if I want a refund?
A. AIG Travel Guard is committed to providing products and services that will exceed expectations. If You are not completely satisfied, You can receive a refund provided 1) it is not past the original departure date; 2)  you have not submitted a claim; and 3) requests must be submitted to AIG Travel Guard in writing within 15 days of the effective date of your coverage. If past 15 days, premium and service fees are non-refundable.

Protect Assist (Gold Coverage)

Our Gold plan is our most popular package of travel insurance & assistance. Comprehensive coverage for travelers and families; includes coverage for children under the age of 18 at no additional cost. Provides additional benefits when purchased within 15 days of initial trip deposit, including coverage for pre-existing medical conditions and financial default. Optional Coverages include Cancel for Any Reason, Cancel for Work Reasons and Medical Evacuation home or to the hospital of choice.  

Because unforeseen circumstances may arise, we strongly recommend you purchase this Protect Assist package. Coverage may be purchased any time up to 24 hours before departure. The Protect Assist package includes the following coverages**:
* *Insurance coverage subject to limitations, exclusions and terms and conditions of policy.

For $1000 of coverage the approximate cost is $52 for people 35-59 and $65 for people 60-69.  Please call our agents for a complete quotation for your group.


Frequently Asked Questions

Q. What does this program cover for cancellation?
A. The plan will reimburse the non-refundable, pre-paid payments or deposits if you must cancel your trip for an unforeseen sickness, accidental injury or death of you, your traveling companion, family member or business partner, unforeseen strike, traffic accidents, financial default of the travel supplier, your principal residence or destination being made uninhabitable by fire, flood, vandalism, burglary, or natural disaster, your being subpoenaed, required to serve on a jury, hijacked or quarantined, military duty, and a terrorist incident. Optional coverage can be purchased to cover you in the event you must cancel for covered business reasons or if you chose to Cancel For Any Reason. For a complete list of covered reasons for cancellation, please refer to the Description of Coverage (DOC).

Q.  Will I be covered if I cancel my trip for any reason?
A. Yes, if you purchase the ProtectAssist plan, and you purchase the optional Cancel For Any Reason coverage all within 15 days of your initial trip payment (limitations apply). See the Description of Coverages (DOC) for complete details.

Q. What happens if a family member not traveling becomes ill or passes away? Is this covered?
A. An illness or death of a family member not traveling with you may be considered a covered reason for Trip Cancellation or Trip Interruption (conditions apply). The definition of family member is included in the Description of Coverage (DOC).

Q. What is the Pre-Existing condition waiver and how can I qualify?
A. The Pre-existing medical condition exclusion will be waived if: 1) this plan is purchased within 15 calendar days of initial trip payment. This is applicable to all coverages contained in the policy. 2) the amount of trip cost insured must equal the full cost of all non-refundable trip arrangements. 3) the cost of any subsequent arrangement(s) added to the same trip are insured within 15 days of the date of payment or deposit for any subsequent trip arrangement(s). 4) you are medically able to travel when you purchase this coverage. For Trip Cancellation or Trip Interruption coverage, the pre-existing condition exclusion will be waived up to the first $30,000 of trip cost per person.

Q. If I do not enroll within the 15 days, how long do you look back for Pre-Existing medical conditions?
A. 180 days preceding and including the coverage effective date.

Q. Can I cancel my trip for work-related reasons?
A. If you purchase the Protect Assist plan with the optional Cancel for Work Reasons coverage all within 15 days of your initial trip payment, you are covered in the event you must cancel due to specific work-related reasons.  For a complete list of covered work-related reasons, please refer to the Description of Coverage (DOC).

Q. Does this plan include medical evacuation back home?
A. If you purchase the optional Umbrella Package with the base plan, you upgrade your Emergency Medical Transportation coverage to include transportation home or to the hospital of your choice for covered evacuations. 

Q. Does everyone going on the trip need to purchase the insurance to be covered?
A. Yes. The cost is based on a per person trip cost, therefore each individual is covered separately. However, with the Protect Assist plan, children age 17 and under are covered at no additional cost for each insured adult, but you must list them as a traveler and the child must be related to the primary insured.  Only those listed as travelers on the enrollment form will be covered.

Q. How large of a trip can I cover?
A. With the ProtectAssist plan, you can insure trip costs up to $100,000.

Q. How long do my bags need to be delayed before I will be covered for baggage delay?
A. 24 hours or more.

Q. Will the plan reimburse for the single supplement if my traveling companion cancels?
A. 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.

Q. I am 55 and my husband is 60, can we enroll for coverage under the same plan?
A. Yes.

Q. When does the coverage begin?
A. The Trip Cancellation coverage begins at 12:01 am local time at the location of the insured on the day after the Enrollment Form and payment is received by AIG Travel Guard. All other coverages will begin at 12:01 am local time at the location of the insured on the scheduled trip departure date shown on the Enrollment Form provided required payment has been received.

Q. How do I file a claim?
A. To file a claim, you can call AIG Travel Guard between the hours of 7:00 am and 7:00 pm Central Time and start the process with a Claims Analyst. The analyst will explain what needs to be provided to process your claim. The form will then be faxed or mailed to you to provide that information. 

Q. What if I want a refund?
A. AIG Travel Guard is committed to providing products and services that will exceed expectations. If You are not completely satisfied, You can receive a refund provided 1) it is not past the original departure date; 2)  you have not submitted a claim; and 3) requests must be submitted to AIG Travel Guard in writing within 15 days of the effective date of your coverage. If past 15 days, premium and service fees are non-refundable.

Essential Expanded (Silver Coverage)

Our Silver plan for travelers and families who want our standard coverage and 24-hour emergency travel assistance. Each child under the age of 18 is covered at no additional cost for each adult that purchases this plan. Provides additional benefits when purchased within 15 days of initial trip deposit, including coverage for pre-existing medical conditions and financial default.  

Because unforeseen circumstances may arise, we strongly recommend you purchase this Essential Expanded package. Coverage may be purchased any time up to 24 hours before departure. The Essential Expanded package includes the following coverages**:
**Insurance coverage subject to limitations, exclusions and terms and conditions of the policy.

For $1000 of coverage the approximate cost is $44 for people 35-59 and $55 for people 60-69.  Please call our agents for a complete quotation for your group.

Frequently Asked Questions:

Q. What does this program cover for cancellation?
A. The plan will reimburse the non-refundable, pre-paid payments or deposits if you must cancel your trip for an unforeseen sickness, accidental injury or death of you, your traveling companion, family member or business partner, unforeseen strike, traffic accidents, your principal residence or destination being made uninhabitable by fire, flood, vandalism, burglary, or natural disaster, your being subpoenaed, required to serve on a jury, hijacked or quarantined, and military duty. For a complete list of covered reasons for cancellation, please refer to the Description of Coverage (DOC).

Q. What happens if a family member not traveling becomes ill or passes away? Is this covered?
A. An illness or death of a family member not traveling with you may be considered a covered reason for Trip Cancellation or Trip Interruption (conditions apply). The definition of family member is included in the Description of Coverage (DOC).

Q. What is the Pre-Existing condition waiver and how can I qualify?
A. The Pre-existing medical condition exclusion will be waived if: 1) this plan is purchased within 15 calendar days of initial trip payment. This is applicable to all coverages contained in the policy. 2) the amount of trip cost insured must equal the full cost of all non-refundable trip arrangements. 3) the cost of any subsequent arrangement(s) added to the same trip are insured within 15 days of the date of payment or deposit for any subsequent trip arrangement(s). 4) you are medically able to travel when you purchase this coverage. For Trip Cancellation or Trip Interruption coverage, the pre-existing condition exclusion will be waived up to the first $15,000 of trip cost per person.

Q. If I do not enroll within the 15 days, how long do you look back for Pre-Existing medical conditions?
A. 180 days preceding and including the coverage effective date.

Q. Does everyone going on the trip need to purchase the insurance to be covered?
A. Yes. The cost is based on a per person trip cost, therefore each individual is covered separately. However, with the Essential Expanded plan, one child age 17 and under is covered at no additional cost for each insured adult, but you must list them as a traveler on the enrollment form and child must be related to the primary insured.  Only those listed as travelers on the enrollment form will be covered.

Q. How large of a trip can I cover?
A. With Essential Expanded, you can insure trip costs up to $100,000 per person.

Q. How long do my bags need to be delayed before I will be covered for baggage delay?
A. 24 hours or more.

Q. Will the plan reimburse for the single supplement if my traveling companion cancels?
A. 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.

Q. I am 55 and my husband is 60, can we enroll for coverage under the same plan?
A. Yes.

Q. When does the coverage begin?
A. The Trip Cancellation coverage begins at 12:01 am local time at the location of the insured on the day after the Enrollment Form and payment is received by AIG Travel Guard. All other coverages will begin at 12:01 am local time at the location of the insured on the scheduled trip departure date shown on the Enrollment Form provided required payment has been received.

Q. How do I file a claim?
A. To file a claim, you can call AIG Travel Guard between the hours of 7:00 am and 7:00 pm Central Time and start the process with a Claims Analyst. The analyst will explain what needs to be provided to process your claim. The form will then be faxed or mailed to you to provide that information. 

Q. What if I want a refund?
A. AIG Travel Guard is committed to providing products and services that will exceed expectations. If You are not completely satisfied, You can receive a refund provided 1) it is not past the original departure date; 2)  you have not submitted a claim; and 3) requests must be submitted to AIG Travel Guard in writing within 15 days of the effective date of your coverage. If past 15 days, premium and service fees are non-refundable.