Why choose AIG Travel Insurance
AIG Travel Insurance offers 4 tiers of coverage to choose from: Basic, Standard, Enhanced and Supreme. This ensures that you get affordable coverage no matter what your budget looks like. AIG offers one of the highest coverage for overseas medical expenses in the market, offering peace of mind for travellers with health concerns. AIG also provides COVID-19 coverage and reimbursement for cancellation or alteration of trips (whether COVID-19 related or not).
AIG Travel Insurance coverage details
Overseas medical expenses
- Up to S$2,500,000 for adults under 70 years of age, other providers typically only offer coverage up to S$1,000,000.
- Up to S$200,000 for adults over 70 years of age.
- Up to S$300,000 for children.
Emergency medical evacuation and repatriation
- Coverage up to S$50,000 to S$500,000 for Basic and Standard plans.
- Unlimited coverage for Enhanced and Supreme plans.
- Other providers tend to offer coverage of around S$1,000,000. FWD is the exception here, since they offer unlimited emergency medical evacuation and repatriation coverage across all travel plans.
Personal liability
- No coverage for Basic and Standard plans.
- Up to S$500,000 coverage for Enhanced plans.
- Up to S$1,000,000 coverage for Supreme plans.
- This is one of AIG's weaker areas of coverage, since most insurers do offer liability coverage, even at lower cost tiers. TIQ, for instance, offers up to S$250,000 in personal liability coverage with their most basic Entry plan.
Optional add-on coverage
Loss of personal baggage items
Up to S$10,000 if you lose your personal baggage items, other providers tend to cover anywhere from S$1,000 to S$7,500 for loss of personal belongings.
Cruise vacation benefits
This optional coverage extends AIG's superior medical coverage to travellers going on cruises. It includes:
- Up to S$2,500,000 in overseas medical coverage.
- Up to S$15,000 for cancellation or interruptions.
- Up to S$10,000 for loss of personal baggage items.
Local medical expenses for injury sustained overseas
- Up to S$50,000 for adults under 70 years of age, which is excellent compared to the typical coverage that tends to range between S$10,000-30,000.
- Up to S$5,000 for adults over 70 years of age.
- Up to S$10,000 for children.
Pros and cons of AIG Travel Insurance
| Pros | Cons |
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AIG travel insurance compared to other insurance providers
| Provider | Best for | Overseas medical expenses | Local medical expenses | Trip cancellation | Loss of baggage |
| AIG | Overseas medical expenses | S$2,500,000 | S$50,000 | S$15,000 | S$10,000 |
| Allianz | COVID-19 coverage | S$1,000,000 | S$2,500 | S$10,000 | S$5,000 |
| FWD | Trip cancellation | S$1,000,000 | S$30,000 | S$15,000 | S$7,500 |
| MSIG | Local medical expenses | S$1,000,000 | S$75,000 | S$7,500 | S$15,000 |
| Great Eastern | Loss of baggage | S$1,000,000 | S$25,000 | S$12,000 | S$16,000 |
*All calculations are based on a single trip to Japan, 5D6N for 1 adult.
Whether you’re going on a cruise or flying to your destination, AIG’s robust coverage for overseas medical and COVID-19 expenses will give you peace of mind. In the event that you experience an adverse health event overseas, you can still benefit from local medical expenses.
How to claim
- Prepare all relevant supporting documents for online submission, including your passport and your travel itinerary.
- You will need to submit additional documents, which vary depending on the type of claim. For example, claims for medical expenses will require medical bills, receipts, medical report, patient discharge summary and a doctor’s memo.
- Submit your claim through the online claims portal within 30 days after the occurrence of the event which led to your claim.
Frequently Asked Questions About AIG Travel Guard Insurance
Can I cancel my AIG Travel Insurance policy?
There will be no refund of premiums for per-trip policies once issued. For annual multi-trip policies, a short rate will be applied if the policy is cancelled within 9 months from the policy's issue date. This will not apply if a claim has been made. No refunds will be issued once it has been more than 9 months from the policy's effective date.
Can I extend my AIG Travel Insurance coverage if my trip is extended?
Yes, you may extend your policy unless you have made claims or are aware of reasons that might result in a loss under the policy. Applications must be made prior to the expiry date of your original policy and the total coverage period cannot exceed 182 days. You will also need to submit an online form and make payment for the additional premium.
Does AIG travel insurance cover pre-existing medical conditions?
Unfortunately, AIG travel insurance does not provide travel insurance for pre-existing conditions. If you have specific questions or need more information on coverage limitations, please contact AIG directly or refer to the policy documentation to determine if it provides sufficient coverage.
Which countries are excluded from AIG travel insurance coverage?
AIG does not offer coverage for travel to countries including Cuba, Iran, Syria and North Korea.
What does "Cancel For Any Reason" mean and what does it cover?
Regular Trip Cancellation coverage reimburses you when you have to cancel your trip due to unforeseen circumstances such as a death in the family or a serious injury. "Cancel For Any Reason" coverage extends that protection to cancellations made for nearly any reason, such as your pet falling sick or last-minute work commitments.
Related Pages
In addition to AIG travel insurance, here are some other travel insurance providers available in Singapore:
- Allianz Travel Insurance Singapore
- Allied World Travel Insurance Singapore
- DirectAsia Travel Insurance Singapore
- HL Assurance Travel Insurance Singapore
- MSIG Travel Insurance Singapore
- Singlife Travel Insurance Singapore
- Sompo Travel Insurance Singapore
- Starr Travel Insurance Singapore
- TIQ Travel Insurance Singapore
- Tokio Marine Travel Insurance Singapore
