Travel Guard Insurance Reviews: Unpacking the Overviews, Cost, Coverage, Claims, and Customer Reviews

Travel Guard Insurance Reviews
Travel Guard Insurance Reviews


Traveling is a highly rewarding yet uncertain experience that carries potential risks.

Unforeseen events can disrupt your trip or lead to financial losses, underscoring the importance of a robust travel insurance policy.

Choosing the right one involves considering factors like coverage options, prices, benefits, customer service, and company reputation.

A standout among global travel insurance providers is Travel Guard, a subsidiary of AIG.

Offering diverse plans and add-ons, Travel Guard caters to various traveler types, destinations, and trip durations, be it for business or leisure, short or extended, domestic or international.

What is Travel Guard Insurance? 

With over a century of experience, Travel Guard stands as a global leader in travel insurance, serving a customer base exceeding one million across Asia, Europe, and America.

Three plans:

  1. Essential
  2. Deluxe
  3. Platinum

Customization options abound, allowing travelers to tailor their plans.

Furthermore, Travel Guard provides 24/7 assistance services, encompassing emergency medical care, evacuation, and transportation, and is accessible through their website or toll-free number.

While lauded for comprehensive coverage and responsive customer service, some negative reviews highlight concerns such as coverage limitations, demanding claim documentation, and high deductibles.

 Pros and Cons of Travel Guard Insurance 

Pros of Travel Guard:

  1. Comprehensive coverage options for various risks.
  2. Competitive prices based on age, gender, and destination
  3. Flexible payment options (monthly, quarterly, yearly).
  4. Easy online booking with instant quotes and comparisons.
  5. Fast claim processing (typically under 24 hours).
  6. 24/7 customer service via phone, email, chat, and social media.
  7. A reliable global network of service centers.
  8. Positive reputation among travelers.

Cons of Travel Guard

  1. Limited coverage for undisclosed pre-existing conditions.
  2. Exclusions for high-risk activities are included in some plans.
  3. Restrictions on coverage for valuables exceeding policy limits.
  4. Non-coverage for specific events like war, nuclear radiation, and pandemics (unless declared).
  5. Extensive documentation required for coverage eligibility (medical reports, prescriptions).

Travel Guard’s Coverage Details

Travel Guard’s plans offer different levels of coverage for various travel-related risks. Here are some of the main coverages and their limits:

  1. Trip Cancellation/Interruption (TCI): 100–150% trip cost.
  2. Medical Expenses (ME): $15,000–$250,000 per person.
  3. Emergency Medical Evacuation (EME): $150,000–$1,000,000 per person.
  4. Lost or Stolen Baggage (LSB): $500-$2,500 per person, $250-$500 per item.
  5. Trip Delay Reimbursement (TDR): $100-$1,000 per person.
  6. Rental Car Collision Damage Waiver (RCDW): $35,000 per car.
  7. Roadside Assistance (RA): $100 per occurrence.
  8. Travel Accident Insurance (TAI): $10,000–$500,000 per person.
  9. Personal Accident Insurance (PAI): $10,000–$500,000 per person.

Optional Coverages:

  1. Cancel for Any Reason (CFAR): 50–75% of the trip cost.
  2. Medical Expense Upgrade: Increase ME coverage to $50,000 or $100,000.
  3. Emergency Medical Evacuation Upgrade: Increase EME coverage to $500,000 or $1,000,000.
  4. Baggage Upgrade: Increase LSB coverage to $1,000 or $2,500, with a per-item limit of $300-$500.
  5. Adventure Sports Coverage: Additional premium for activities like bungee jumping, skydiving, and scuba diving.

These are some of the optional coverages that Travel Guard offers, but there may be other coverages that are available depending on your destination, trip type, and trip purpose.

You can check the details of each coverage and its exclusions and limitations on Travel Guard’s website or by contacting their customer service team.

Travel Guard Insurance Service

Travel Guard serves not just as a travel insurance provider but also as a 24/7 travel assistance service. In emergencies, they offer support and aid to customers.

Services include:

  1. Emergency Medical Care (EMC): Arrange and pay for necessary medical or dental treatment, coordinate with primary health insurance, and inform family or companions.
  2. Emergency Evacuation (EEV): Organize and cover transportation to a suitable medical facility or home country for life-threatening sickness or injury.
  3. Emergency Transportation (ETC): Arrange and cover transportation to the original or alternate destination due to missed flights for covered reasons.
  4. Emergency Legal Assistance (ELA): Provide legal advice and referrals for legal disputes or problems during travel.
  5. Emergency Cash Advance (ECA): Offer a cash advance of up to $500 in case of lost money or credit cards (subject to conditions).
  6. Emergency Message Relay (EMR): relay messages between you and your family or companions in case of communication issues.
  7. Emergency Travel Arrangements (ETA): Make or change travel reservations due to covered reasons causing trip cancellation or interruption.
  8. Emergency Translation Services (ETS): Provide translation or interpretation services for language barriers.
  9. Emergency Concierge Services (ECS): Offer information and assistance on travel-related matters.

While these are some of the services, additional ones may be available based on destination, trip type, and purpose.

Access services through their website, toll-free number, or mobile app on your smartphone or tablet.

Travel Guard’s Cost

Travel Guard’s plan prices vary based on age, gender, destination, trip duration, and purpose.

Obtain an instant quote on their website by entering your trip details. Sample prices for a 25-year-old traveler from the US to France for 10 days:

  1. Essential Plan: $43.20
    • TCI: 100% of trip cost
    • ME: $15,000
    • EME: $150,000
    • LSB: $500
    • TDR: $100
    • RCDW: $35,000
    • RA: $100
    • TAI: $10,000
    • PAI: $10,000
  2. Deluxe Plan: $67.20
    • TCI: 100% of trip cost
    • ME: $50,000
    • EME: $500,000
    • LSB: $1,000
    • TDR: $300
    • RCDW: $35,000
    • RA: $100
    • TAI: $20,000
    • PAI: $20,000
  3. Platinum Plan: $91.20
    • TCI: 150% of trip cost
    • ME: $250,000
    • EME: $1,000,000
    • LSB: $2,500
    • TDR: $1,000
    • RCDW: $35,000
    • RA: $100
    • TAI: $50,000
    • PAI: $50,000

Optional Coverages:

  • CFAR: 50% or 75% of trip cost
  • Medical Expense Upgrade: $50,000 or $100,000
  • Emergency Medical Evacuation Upgrade: $500,000 or $1,000,000
  • Baggage Upgrade: $1,000 or $2,500, per-item limit: $300 or $500
  • Adventure Sports Coverage: Varies

Prices may vary based on trip details and chosen coverages.

Compare options on Travel Guard’s website or contact their customer service team.

READ ALSO: Is Seven Corners Travel Insurance Company Legit?: Investigating the Authenticity and Reliability of Coverage

Travel Guard Insurance vs. Competitors

While Travel Guard stands as a renowned travel insurance provider, several competitors offer similar or diverse plans and features.

Notable rivals include:

World Nomads

Allianz Travel

    • Part of the Allianz Group, a global insurance and financial services company.
    • Provides four plans: OneTrip Basic, OneTrip Prime, OneTrip Premier, and OneTrip Emergency Medical, each with distinct coverage and benefits.
    • Offers 24/7 assistance services and access to the TravelSmart app.


    • Part of the Travelex Group, a leading foreign exchange and money transfer company.
    • Offers four plans: Travel Basic, Travel Select, Travel Max, and Flight Insure Plus, with diverse coverage and benefits.
    • Provides 24/7 assistance services and access to the Travel On app.

While these are major competitors, other travel insurance companies may be available based on destination, trip type, and purpose.

Compare plans and features on different websites or by contacting customer service teams.

Travel Guard Insurance Reviews

Customer opinions about Travel Guard are diverse, with both positive and negative aspects highlighted.

Praises are given for coverage options, customer service, and the claims process.

However, some customers express concerns about coverage limitations, demanding claims documentation, and high deductibles.

On various platforms:

  • Trustpilot: Rated 4.3 out of 5 stars based on 1,331 reviews. 79% excellent, 10% great, 4% average, 2% poor, 5% bad.
  • Consumer Affairs: Earned a 4 out of 5-star rating from 1,006 reviews. 80% with a 5-star rating, 9% with a 4-star rating, 4% with a 3-star rating, 2% with a 2-star rating, and 5% with a 1-star rating.
  • Better Business Bureau (BBB): Holds an A+ rating based on 40 customer reviews and 117 complaints. 35% provided a 5-star rating, 5% a 4-star rating, 5% a 3-star rating, 5% a 2-star rating, and 50% a 1-star rating.

These reviews offer insights, but it’s advisable to explore more on Travel Guard’s website and other online sources for a comprehensive understanding.

Is travel guard insurance good?

Travel Guard stands out as a reputable travel insurance provider, offering comprehensive coverage, competitive prices, flexible payment options, and efficient services.

With an easy online booking process and a positive reputation among travelers, it caters to various needs.

Not universally suitable for limits on pre-existing conditions, high-risk activities, valuables, war, and pandemics.

Extensive documentation and high deductibles apply.

Prospective buyers are advised to thoroughly review the terms, conditions, exclusions, and benefits of each plan.

Comparing Travel Guard’s offerings with those of other providers ensures an informed decision aligned with individual needs and budget considerations.


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How does Travel Guard fare in customer reviews?

Travel Guard receives varied reviews, encompassing both positive and negative feedback.

What are common praises for Travel Guard?

Customers often praise Travel Guard for comprehensive coverage, competitive prices, and efficient claim processing.

What concerns do customers express about Travel Guard?

Concerns include limitations on pre-existing conditions, high-risk activities, and valuables, along with specific situation exclusions.

Is extensive documentation required for Travel Guard coverage?

Yes, Travel Guard may necessitate detailed documentation to verify eligibility for coverage.
Do certain coverages under Travel Guard have high deductibles?

Yes, some coverages within Travel Guard may involve high deductibles.

How should prospective buyers approach Travel Guard’s plans?

Prospective buyers are advised to carefully review terms, conditions, and limitations, and compare plans with other providers for an informed decision.

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