Picture this: You’re finally taking that long-awaited vacation, ready to relax and explore. But then, out of nowhere, your flight gets canceled. Or your luggage vanishes into thin air. Or worse, you end up in a foreign hospital with a medical bill that makes your jaw drop. Not exactly the dream getaway, right?
That’s where AIG Travel Insurance comes in. Travel is full of surprises—some good, some not-so-good. Having solid travel insurance can mean the difference between a minor inconvenience and a full-blown disaster. But is AIG the right choice for you?
In this guide, we’re going to break it all down. What does AIG Travel Insurance cover? How much does it cost? What are the pros and cons? And most importantly—should you get it for your trip? Let’s dive in!
What Is AIG Travel Insurance and Why Should You Care?
AIG (American International Group) is one of the biggest names in insurance, covering everything from auto to health to—you guessed it—travel. Their travel insurance plans cater to all kinds of travelers, whether you’re going on a weekend getaway, a business trip, or a months-long adventure.
But why should you care? Because, let’s be honest—unexpected things happen when you travel. No one plans to get sick abroad or have their flight canceled, but when it happens, it can get expensive—fast. Here’s a quick comparison of traveling with vs. without insurance:
| Scenario | Without Travel Insurance | With AIG Travel Insurance |
|---|---|---|
| You get sick abroad | You pay out-of-pocket for medical bills | AIG covers medical expenses |
| Your flight is canceled | You lose your money | AIG reimburses your costs |
| Your baggage is lost/stolen | You replace everything yourself | AIG helps cover replacements |
| You need emergency evacuation | You pay thousands for transport | AIG covers emergency evacuation |
See the difference? Travel insurance is more than just another expense—it’s your safety net.
What Does AIG Travel Insurance Cover?
Now, let’s talk about what AIG actually covers. Their plans vary based on your needs, but here are the core protections they offer:
1. Medical Expenses & Emergency Assistance
- Covers hospital stays, doctor visits, and medications if you get sick or injured abroad.
- Some plans cover COVID-19-related medical expenses.
2. Trip Cancellation & Interruption
- If you have to cancel due to illness, injury, or other emergencies, AIG reimburses your non-refundable costs.
- Covers interruptions mid-trip, like having to return home early due to a family emergency.
3. Lost, Stolen, or Delayed Baggage
- If your luggage is lost or stolen, AIG helps cover the cost of replacing your essentials.
- If it’s just delayed, AIG provides compensation for essentials like clothes and toiletries.
4. Flight Delays & Missed Connections
- Covers meals, hotels, and other unexpected expenses caused by long flight delays.
- Helps cover the costs of rebooking missed connections.
5. Emergency Evacuation & Repatriation
- If you need medical evacuation to a hospital or back home, AIG covers the transport costs.
- Covers repatriation of remains in case of death abroad.
Here’s a quick summary of AIG’s coverage:
| Coverage | Included? | Notes |
|---|---|---|
| Medical Expenses | ✅ Yes | Covers emergency treatment and hospitalization |
| Trip Cancellation | ✅ Yes | Covers non-refundable expenses if you cancel for a valid reason |
| Lost Luggage | ✅ Yes | Helps replace lost, stolen, or damaged items |
| Flight Delays | ✅ Yes | Covers meals, hotels, and extra costs due to delays |
| Emergency Evacuation | ✅ Yes | Covers medical transport if needed |
What’s NOT Covered by AIG Travel Insurance?
Even though AIG offers solid protection, there are some things it doesn’t cover:
❌ Pre-Existing Conditions (Unless Covered by a Waiver) – Some plans exclude pre-existing medical conditions unless you buy extra coverage.
❌ High-Risk Activities – Adventure sports like skydiving and scuba diving may require additional coverage.
❌ Alcohol & Drug-Related Incidents – If your injury happens while intoxicated, you might not be covered.
❌ Traveling to High-Risk Countries – Some destinations may not be eligible for coverage.
Always check the fine print before you buy to make sure you’re fully covered for your specific trip.
How Much Does AIG Travel Insurance Cost?
So, how much will it set you back? The price depends on several factors:
- Trip Length – Longer trips = higher costs.
- Age – Older travelers usually pay more.
- Destination – Some countries are more expensive to insure.
- Coverage Level – Basic plans are cheaper, but comprehensive plans cost more.
Here’s a rough estimate of what you might pay for AIG Travel Insurance:
| Trip Cost | AIG Travel Insurance Price (Approx.) |
|---|---|
| $500 – $1,000 | $20 – $50 |
| $1,000 – $3,000 | $50 – $100 |
| $3,000 – $5,000 | $100 – $200 |
| $5,000+ | $200+ |
Spending $50-$100 could save you thousands if something goes wrong. Not a bad deal, right?
Is AIG Travel Insurance Worth It?
Now, let’s get to the big question: Should you buy AIG Travel Insurance?
✅ You should get it if:
- You’re traveling internationally.
- You’ve prepaid for flights, hotels, and activities.
- You want peace of mind for medical emergencies.
- You’re worried about lost luggage or flight delays.
❌ You might skip it if:
- You’re taking a short domestic trip with no prepaid expenses.
- Your credit card already includes solid travel insurance.
- You’re comfortable taking on the financial risk.
Final Thoughts: Should You Get AIG Travel Insurance?
At the end of the day, travel insurance is like an umbrella—you don’t always need it, but when it rains, you’ll be grateful you have it. AIG is a well-established, trusted insurance provider with comprehensive coverage and reasonable prices.
Before you book your trip, ask yourself: Can I afford to lose thousands of dollars if something unexpected happens? If the answer is no, then AIG Travel Insurance is absolutely worth considering.
Safe travels, and may your only surprises be good ones! 🚀