AIG Insurance Travel, previously known as Travel Guard, was a product by American International Group, Inc. It pays for travel medical expenses, COVID-19 included, in the event that there is an illness or injury. It covers missed or delayed connections, baggage delays and emergency evacuation. It is essential to understand what coverage you have in your policy.
COVID-19-related sickness coverage
AIG policies may allow you to receive medical coverage for the COVID-19 pandemic. AIG also provides additional benefits, such as trip cancellation or interruption coverage and emergency medical coverage. These extra benefits will help you to cope with an unplanned emergency abroad and avoid the need for a return flight.
Regardless of whether your insurance company offers coverage for COVID-19, you'll want to contact your provider. They can help you obtain the documents and information you need to get the treatment that you want. Make sure you review your policy to ensure you are fully covered.
Missed connection
Missed connections can be due to many factors, including weather and mechanical issues. You can get reimbursements for unused tickets or other travel expenses by purchasing a missed connection policy. You can get financial protection and help you find other transportation options in the event of mechanical problems on your plane.
While many insurers will cover missed connections you should make sure that your specific policy includes coverage for these situations. Coverage levels can vary between plans.
Baggage delay
Baggage delay protection provides financial support in the event that your luggage is delayed in arriving. It covers personal belongings such as clothes and toiletries. It provides reimbursement up to the policy limit, which usually ranges from $500 to $1,000. For a claim to be filed, receipts must be provided for any purchases made while your luggage was being inspected. Your claim may also be subject to a deductible.
Although some insurance companies provide additional baggage delay coverage, there are limitations on the amount you can claim. Your baggage delay coverage will not cover delayed or lost bags that are returned after a 12-hour period. It's best to review your policy before purchasing anything, and to be sure that it includes baggage delay benefits.
Emergency evacuation
AIG Insurance's travel emergency evacuation plans provide comprehensive coverage to meet travelers' medical requirements. The most sought-after plan includes up to $500k emergency medical evacuation coverage and 50% reimbursement for trip interruptions. The company also offers add-ons such as a wedding or pet bundle and inconvenience bundle, which covers closed attractions or the cost of a rental vehicle.
Plans that provide emergency medical evacuation coverage cover medical transport and air evacuation. They are particularly useful for travelers who need to travel to remote places without having access to medical care. You also have the option of repatriation insurance for the relatives of the deceased. Financial assistance is provided for beneficiaries and survivors under the Accidental Death and Dismemberment coverage. Some plans do not cover accidents involving aircraft, like a plane collision. Other plans provide coverage for lost or delayed baggage.