AMERICAN INTERNATIONAL GROUP
Travel Insurance Review
This post may contain affiliate links, meaning we may receive a commission if you click a link, at no cost to you. Please read our Terms of Service for more information.
AIG's Travel Guard plans are exclusively crafted for Canadian residents, with the exception of the Visitors to Canada Emergency Medical plan, specifically tailored for visitors to Canada, including returnees, those with student visas, and immigrants.
AIG provides Canadian residents a comprehensive plan alongside more targeted options for trip cancellation & interruption, emergency medical coverage, and plans designed exclusively for visitors to Canada. Customization is possible through different tiers within certain policy types, and there are optional upgrades available.
Each policy comes with a 10-day evaluation period, allowing you to reconsider and potentially receive a refund if your needs change. All policies include 24/7 assistance, with many offering personal security assistance as well.
Explore various upgrades, such as cancel for any reason, exceptional coverage like emergency medical coverage, pre-existing condition waiver, and more. AIG, a reputable insurance company, holds an A+ credit rating.
POLICY OPTIONS
Canadian Residents
All Inclusive Package
Trip Cancellation
Emergency Medical
Annual Packages
Visitors to Canada
(visitor, work visa, student visa, immigrant, Canadian not covered by GHIP)
Visitors to Canada Plan
MEDICAL
Excellent emergency medical coverage including evacuation
PRE-EXISTING CONDITIONS
Coverage is offered with varied limitations
CANCEL FOR ANY REASON
Maximum coverage of 75% is only available on higher end plans
BAGGAGE DELAY
Benefit is lower than some competitors
CANADIAN FOCUS
Policies are designed for Canadian residents travelling abroad or visitors (work visa, student visa, immigrant) to Canada
POLICY COMPARISONS
SINGLE TRIP PLANS
|
Highlights |
Travel Guard Single Trip Plans |
|
|
All-Inclusive |
Trip Protection |
|
|
General |
||
|
Availability |
Canadian residents, ex. Quebec |
|
|
Age |
< 75 yrs. old |
< 85 yrs. old |
|
Free look period |
10 days |
10 days |
|
Pre-existing conditions |
Waiver option |
90 days stable |
|
Trip Protection |
||
|
Cancellation |
||
|
Trip cost |
100% |
100% |
|
Medical |
Yes |
Yes |
|
Adoption / pregnancy |
Yes |
Yes |
|
Visa / passports |
Yes |
Yes |
|
Travel advisory |
Yes |
Yes |
|
Loss of employment |
Yes |
Yes |
|
Business meeting |
Yes |
Yes |
|
Call to service |
Yes |
Yes |
|
Carrier delays |
Yes |
Yes |
|
Principal residence |
Yes |
Yes |
|
Business operations |
Yes |
Yes |
|
Legal commitment |
Yes |
Yes |
|
Quarantine / hijacking |
Yes |
Yes |
|
Wedding cancellation |
Yes |
- |
|
Cruise cancellation |
Yes |
Yes |
|
Involuntary change |
Yes |
Yes |
|
Cancel for any reason |
75% Trip Cost |
$400 |
|
Interruption |
||
|
Trip cost |
100% |
100% |
|
Additional transport |
100% Trip Cost |
100% Trip Cost |
|
Subsistence allowance |
$1,000 |
$700 |
|
Medical |
Yes |
Yes |
|
Travel advisory |
Yes |
Yes |
|
Cruise interruption |
Yes |
Yes |
|
Missed connection |
Yes |
Yes |
|
Adoption / pregnancy |
Yes |
Yes |
|
Employment |
Yes |
Yes |
|
Call to service |
Yes |
Yes |
|
Principal residence |
Yes |
Yes |
|
Business operations |
Yes |
Yes |
|
Legal commitment |
Yes |
Yes |
|
Quarantine / hijacking |
Yes |
Yes |
|
Carrier delays |
Yes |
Yes |
|
Transportation delay |
Yes |
Yes |
|
Delay |
||
|
Subsistence allowance |
$5,000 |
$3,500 |
|
Change fee / airfare |
100% of Cost |
100% of Cost |
|
Medical |
Yes |
Yes |
|
Adoption / pregnancy |
Yes |
Yes |
|
Transportation delay |
Yes |
Yes |
|
Quarantine / hijacking |
Yes |
Yes |
|
Missed connection |
Yes |
Yes |
|
Airfare event |
Yes |
- |
|
Missed connection |
- |
|
|
Subsistence |
$700 |
$700 |
|
Change fee / airfare |
$2,000 |
$2,000 |
|
Vacation raincheck |
$1,500 |
- |
|
Medical Protection |
||
|
Emergency Medical |
||
|
0-59 yrs. |
Unlimited |
- |
|
60+ yrs. |
$10,000,000 |
- |
|
Non-GHIP |
$10,000 |
- |
|
Subsistence |
$5,000 |
- |
|
Physician |
Yes |
- |
|
Injury, sickness, death |
Yes |
- |
|
Hospital room |
Yes |
- |
|
Hospital bed |
Yes |
- |
|
Medical appliance |
Yes |
- |
|
Diagnostic tests |
Yes |
- |
|
Prescription meds |
Yes |
- |
|
Private duty nurse |
Yes |
- |
|
Ambulance transport |
Yes |
- |
|
Evacuation |
Yes |
- |
|
Repatriation |
Yes |
- |
|
Dental Injury / Sickness |
||
|
Blow to face / mouth |
$1,500 |
- |
|
Other cause |
$600 |
- |
|
Bedside Companion |
||
|
Economy airfare |
Included |
- |
|
Subsistence |
$1,500 |
- |
|
Companion coverage |
Included |
- |
|
Baggage / Belongings |
||
|
Baggage/personal items |
$1,000 |
$1,000 |
|
Delay |
$750 |
$400 |
|
Lost documents |
$200 |
$200 |
|
Additional Benefits |
||
|
Professional services |
$300 |
- |
|
Hospital expenses |
$750 |
- |
|
Return dependent child |
Included |
- |
|
Return vehicle |
$2,000 |
- |
|
Return to destination |
Included |
- |
|
Return travel companion |
One-way ticket |
- |
|
Pets - return |
$1,000 |
- |
|
Pets – vet services |
$300 |
- |
|
Evacuation |
$300,000 |
- |
|
Return remains |
$3,000 |
- |
|
Subsistence |
$1,500 |
- |
|
24/7 assistance |
Yes |
Yes |
|
Personal security assist |
Yes |
Yes |
|
Accidents |
||
|
Flight accident |
$100,000 |
$100,000 |
|
Travel accident |
$50,000 |
$50,000 |
|
Dismemberment |
- |
|
|
Optional Coverage |
||
|
Cruise/Tour Protection |
||
|
Transportation |
$2,000 |
$2,000 |
|
Subsistence |
$100 |
$100 |
|
Underwriter |
AIG Insurance Company of Canada |
|
MEDICAL PLANS
|
Highlights |
Travel Guard Medical Plans |
|
|
Single Trip |
Annual |
|
|
General |
||
|
Availability |
Canadian residents, ex. Quebec |
|
|
Age |
84 yrs. old and younger |
|
|
Medical questionnaire |
55-84 yrs. old |
|
|
Free look period |
10 days |
|
|
Medical Protection |
||
|
Emergency Medical |
||
|
0-54 yrs. |
Unlimited |
Unlimited |
|
55+ yrs. |
$10,000,000 |
$10,000,000 |
|
Non-GHIP |
$10,000 |
$10,000 |
|
Subsistence |
$1,750 |
$1,750 |
|
Physician |
Yes |
Yes |
|
Injury, sickness, death |
Yes |
Yes |
|
Hospital room |
Yes |
Yes |
|
Hospital bed |
Yes |
Yes |
|
Medical appliance |
Yes |
Yes |
|
Diagnostic tests |
Yes |
Yes |
|
Prescription meds |
Yes |
Yes |
|
Private duty nurse |
Yes |
Yes |
|
Ambulance transport |
Yes |
Yes |
|
Evacuation |
Yes |
Yes |
|
Repatriation |
Yes |
Yes |
|
Dental Injury / Sickness |
||
|
Blow to face / mouth |
$1,500 |
$1,500 |
|
Other cause |
$600 |
$600 |
|
Bedside Companion |
||
|
Economy airfare |
Included |
Included |
|
Subsistence |
$500 |
$500 |
|
Companion coverage |
Included |
Included |
|
Additional Benefits |
||
|
Professional services |
$300 |
$300 |
|
Hospital expenses |
$750 |
$750 |
|
Return dependent child |
Included |
Included |
|
Return vehicle |
$2,000 |
$2,000 |
|
Evacuation |
$300,000 |
$300,000 |
|
Return remains |
$5,000 |
$5,000 |
|
Subsistence |
$500 |
$500 |
|
24/7 assistance |
Yes |
Yes |
|
Personal security assist |
Yes |
Yes |
|
Underwriter |
AIG Insurance Company of Canada |
|
VISITORS TO CANADA PLANS
|
Highlights |
Travel Guard Visitors to Canada Plans |
|||
|
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
|
|
General |
||||
|
Availability |
Canadian residents, ex. Quebec |
|||
|
Age |
84 yrs. old and younger |
|||
|
Free look period |
10 days |
|||
|
Medical Protection |
||||
|
Emergency Medical |
||||
|
Aggregate |
$25,000 |
$50,000 |
$100,000 |
$150,000 |
|
Ambulance |
$5,000 |
$5,000 |
$5,000 |
$5,000 |
|
Evacuation/ Repatriation |
$5,000 |
$5,000 |
$5,000 |
$5,000 |
|
Return of remains |
$5,000 |
$5,000 |
$5,000 |
$5,000 |
|
Professional services |
$250 |
$250 |
$250 |
$250 |
|
Meals & Accommodation |
- |
- |
$250 |
$250 |
|
Beside travel companion |
- |
- |
Econ. Air $300 |
Econ. Air $300 |
|
Emergency dental |
- |
- |
$40,000 |
$40,000 |
|
Physician |
Yes |
Yes |
Yes |
Yes |
|
Injury, sickness, death |
Yes |
Yes |
Yes |
Yes |
|
Hospital room |
Yes |
Yes |
Yes |
Yes |
|
Hospital bed |
Yes |
Yes |
Yes |
Yes |
|
Medical appliance |
Yes |
Yes |
Yes |
Yes |
|
Diagnostic tests |
Yes |
Yes |
Yes |
Yes |
|
Prescription meds |
Yes |
Yes |
Yes |
Yes |
|
Private duty nurse |
Yes |
Yes |
Yes |
Yes |
|
Ambulance transport |
Yes |
Yes |
Yes |
Yes |
|
Evacuation |
Yes |
Yes |
Yes |
Yes |
|
Repatriation |
Yes |
Yes |
Yes |
Yes |
|
24/7 assistance |
Yes |
Yes |
Yes |
Yes |
|
Worldwide assistance |
Yes |
Yes |
Yes |
Yes |
|
Underwriter |
AIG Insurance Company of Canada |
|||
-
This list is incomplete and is subject to change and vary by policy, jurisdiction, and more. Please read the policy carefully before accepting and signing.
Trips must be for personal or business reasons: not medical
Certain pregnancy exclusions
Suicide
Mental disorders
Emotional disorders
Claim caused / influenced by use of alcohol or drugs
Criminal activity
Mountain climbing
Hang-gliding
Parachuting
Bungee jumping
Skydiving
Ski jumping / flying
Heli-Skiing
Acrobatics
Ski stunting
Freestyle skiing
Ski racing
Ski bob racing
Motorized racing
Professional athlete participation
Operating an aircraft
Acts of war
Knowledge of pre-existing reason for trip cancellation, interruption, or delay
Delay due to late filing of passport
Delay related to passport previously denied
Delay due to travel supplier on AIG Alert List
Government defer travel advisory alter issued before trip commencement
and more
Note:
Coverage not provided for travel to Cuba, Syria, North Korea, Crimea region
Coverages and exclusions listed are a sample with potential limitations, subject to change based on jurisdiction, age, and health. Refer to our Terms of Service for the full disclaimer. Information provided is general; it's not professional advice. Verify policy details with the company or seek advice before deciding. We're not liable for any loss or damage. External links don't signify endorsement; users are encouraged to independently research for informed insurance decisions.
