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AIG Travel Guard Insurance Policy Reviews: Compare and Find the Best Insurance in Singapore 2024

Let’s find the most affordable Travel Insurance for your trip!

Coverage Type
Adults
Children
Family refers to at most 2 parents (insured person and legal spouse) and children below 18 years of age. Refer to insurer's brochure for specific definition of Family.

AIG Travel Guard® Direct - Basic

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$5,000

Medical Coverage (Overseas)
S$100,000

Bags & Belongings Coverage
S$3,000

Premium

S$ 30.00 (S$10.00/day)

AIG Travel Guard® Direct - Standard

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$5,000

Medical Coverage (Overseas)
S$200,000

Bags & Belongings Coverage
S$3,000

Premium

S$ 43.00 (S$14.33/day)

AIG Travel Guard® Direct - Enhanced

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$10,000

Medical Coverage (Overseas)
S$1,000,000

Bags & Belongings Coverage
S$5,000

Premium

S$ 52.00 (S$17.33/day)

AIG Travel Guard® Direct - Supreme

SingSaver's Exclusive Offer
Best Deal Guarantee
Cancellation coverage
S$15,000

Medical Coverage (Overseas)
S$2,500,000

Bags & Belongings Coverage
S$10,000

Premium

S$ 77.00 (S$25.67/day)

 

AIG Travel Guard Insurance Policy Reviews

AIG Travel Insurance is a comprehensive travel insurance product that provides coverage for a wide range of travel-related risks, including medical emergencies, trip cancellations and interruptions, and more. AIG Travel Insurance is offered by American International Group, Inc. (AIG), a global insurance company with a strong reputation for quality products and services.

One of the key benefits of AIG Travel Insurance is its high medical coverage, which is one of the highest in the market. This gives travellers peace of mind, knowing they can receive and claim medical care if they become sick or injured while travelling.


Table of Contents


Key Benefits of AIG Travel Guard Insurance

Highest Medical Coverage in the Market

AIG Travel Insurance provides up to S$2,500,000 in medical coverage, one of the highest claimable amounts available in the market. This coverage includes emergency medical treatment, hospitalisation, and medical evacuation.

Unlimited Emergency Medical Evacuation Coverage

AIG Travel Insurance can offer unlimited emergency medical evacuation and repatriation coverage, which means there is no limit on the amount of coverage provided for emergency medical transportation. Their emergency hotline provides 24-hour overseas assistance from theirour Singapore office for any unexpected incidents and claims. International fees apply.

Comprehensive COVID-19 Coverage

AIG Travel Insurance’s COVID-19 coverage includes claims up to S$250,000 for overseas emergency medical expenses and up to S$7,500 coverage for trip cancellation or curtailment due to COVID-19-related reasons. This coverage is available for both single-trip and annual multi-trip plans.

Coverage for Leisure Sports and Sporting Equipment

AIG Travel Insurance offers coverage for lost, stolen, or accidental damage to sports and golfing equipment.

Annual Multi-trip Plan Available for Frequent Travellers

AIG Travel Insurance’s annual multi-trip plan is available for travellers who make multiple trips throughout the year, with coverage for up to 90 days per trip. This plan can provide cost savings and convenience for those who travel frequently.

24/7 Global Assistance Hotline

AIG Travel Insurance provides a 24/7 global assistance hotline staffed by multilingual operators based in Singapore who can provide assistance with medical emergencies and other travel-related issues. Should you require any emergency assistance, you may contact their 24/7 number at +65 6733 2552

Responsive and Reliable Claims Processing

AIG Travel Insurance has a reputation for responsive and reliable claims processing, with a dedicated claims team that aims to process claims as quickly and efficiently as possible.

Convenient AIG SG App Access

AIG Travel Insurance’s AIG SG app allows travellers to purchase policies, file claims, and access travel information on the go. The app also provides instant access to emergency assistance services, including the 24/7 global assistance hotline even from outside of Singapore.

Types of AIG Travel Guard Insurance Coverage Provided

COVID-19 Medical Expenses & Trip Cancellations

As a travel insurance with COVID coverage, AIG offers coverage for COVID-19 medical expenses if you contract the virus while travelling. Additionally, if you need to cancel your trip due to being diagnosed with COVID-19, you may be eligible for trip cancellation claims. 

Overseas and Local Medical Expenses Benefits

AIG’s insurance coverage provides reimbursement for medical and other associated expenses incurred while travelling abroad or locally. The coverage amount you can claim varies depending on the plan selected, ranging from S$10,000 to S$2,500,000. Coverage includes costs such as hospitalisation, surgery, doctor's fees, emergency dental treatment, and medical evacuation if necessary.

Emergency Medical Evacuation

AIG Travel Insurance provides emergency medical evacuation if necessary. The coverage amount ranges from S$50,000 to unlimited, depending on the plan selected. This coverage includes transportation to the nearest adequate medical facility or back home.

Personal Accident Coverage

This coverage provides benefits for accidental death, dismemberment, or permanent disability that may occur during the trip. The coverage amount varies depending on the plan selected and can range from S$50,000 to S$600,000.

Natural Disaster

This coverage provides reimbursement for trip cancellation or interruption due to a natural disaster such as a typhoon or landslide. The coverage amount varies depending on the plan selected and can range from $5,000 to $15,000.

24/7 Medical Emergency Hotline

AIG Travel Insurance provides a 24/7 global assistance hotline that can assist with emergency medical situations, travel emergencies, or even general travel information. The hotline is available to all AIG policyholders.

Trip Cancellation/ Disruptions/ Postponement

This coverage provides reimbursement for trip cancellation or interruption due to unforeseen events such as serious illness, injury, death of the traveller or an immediate family member, natural disasters, or other covered reasons. The coverage amount varies depending on the plan selected and can range from $5,000 to $15,000.

Flight Delays

AIG Travel Insurance compensates you for a flight delay of a minimum of 6 consecutive hours (S$100 for every 6 hours). The capped claim amount varies depending on the plan selected and can range from S$200 to S$3,000. Ensure that your travel hiccups are accounted for by looking for travel insurance for flight delays.

Terrorism Coverage

This coverage provides reimbursement for trip cancellation and interruption due to a terrorist act. The coverage amount varies depending on the plan selected and can range from $5,000 to $15,000.

AIG Travel Guard Insurance Personal Baggage Delay

AIG Travel Insurance provides coverage if your baggage is delayed at your destination airport at S$200 for every 6 consecutive hours. The capped claim amount varies depending on the plan selected and can range up to S$1,600.

Loss/Damaged Personal Baggage or Personal Belongings

This coverage provides reimbursement for loss or damage to personal baggage or belongings during the trip. The capped claim amount varies depending on the plan selected and can range from $3,000 to $10,000.

AIG Travel Insurance Guard Policy & Coverage Types Available

Single Trip Policy

AIG’s single trip insurance policy provides coverage for a single trip, which can last up to a maximum of 182 days. The coverage can include claims for medical expenses, trip cancellations and interruptions, and other travel-related risks.

Annual Multi-Trip Policy

This policy covers multiple trips taken within a year. It's best suited for travellers who take multiple trips a year without the hassle of purchasing a plan for every trip. AIG’s multi-trip insurance coverage includes claims for medical expenses, trip cancellations and interruptions, and other travel-related risks. Learn more about the difference between single-trip and multi-trip travel insurance in our guide to annual insurance policies.

Family

This policy provides coverage for a family, including the spouse and dependent children. The coverage can include medical expenses, trip cancellations and interruptions, and other travel-related risks. Find out how AIG compares against other family travel insurance providers.

Group

This policy provides coverage for a group of travellers, such as employees on a business trip or a group of friends travelling together, for a maximum of 5 persons. The coverage can include medical expenses, trip cancellations and interruptions, and other travel-related risks.

AIG Travel Insurance Claims

Contact AIG Travel Insurance As Soon As Possible

The first step is to contact AIG Travel Insurance as soon as possible after the incident. You can do this by calling their travel claims contact number at +65 6224 3698 during office hours. Prepare your policy number and details of the incident.

Prepare All Relevant Documentation

AIG Travel Insurance will likely ask you to provide documentation to support your claim, such as police reports, medical reports, or receipts. Make sure to keep all relevant documents organised and easily accessible.

Submit Claim

You can submit your claim online through AIG Travel Insurance’s online portal or by mail within 30 days after the occurrence. Make sure to include all necessary documentation and provide as much detail as possible about the incident.

Claim Status

AIG Travel Insurance will review your claim and may request additional information or documentation. You will be notified of your claim status by email or post. Alternatively, you may also call their travel claims enquiries hotline at +65 6224 3698 to check on your claim. If you are calling from outside of Singapore, international fees will apply.

Countries That AIG Travel Guard Insurance Covers

All AIG Travel Guard Insurance plans exclude Cuba, Iran, Syria, North Korea, and the Crimea region. Countries covered can are sorted into one of three regions below:

  • Region 1: Malaysia, Indonesia, Vietnam, Cambodia, the Philippines, Brunei, Laos and Myanmar
  • Region 2: Region 1, and China (excluding Tibet), Hong Kong, Taiwan, Thailand, Macau, Maldives, Bangladesh, India, Mongolia, Pakistan, Sri Lanka, Bahrain, Kuwait, Qatar, Oman, the United Arab Emirates, Argentina, Belize, Bolivia, Brazil, Chile, Colombia, Costa Rica, Ecuador, El Salvador, Guatemala, Guyana, Honduras, Mexico, Nicaragua, Panama, Paraguay, Peru, Suriname, Uruguay and Venezuela
  • Region 3: Regions 1 and 2, Australia, Japan, South Korea, New Zealand, Nepal, Tibet and the rest of the world

Pros and Cons of AIG Travel Guard Insurance

AIG Travel Insurance offers comprehensive benefits, including 24/7 claims submission, COVID-19 coverage, the highest medical coverage up to $2,500,000, and coverage against terrorism. It also provides unlimited emergency medical evacuation, coverage for golf and cruise activities, trip interruption or cancellation, liability coverage, and an automatic policy extension.

However, AIG does not cover extreme sports, pre-existing conditions, travels to prohibited areas or countries like Cuba and North Korea, pregnancy-related events, and offers limited add-on coverage.

Pros

Cons

  • 24/7 claims submission convenience
  • Limited add-on coverages
  • 24/7 global emergency assistance
  • No coverage for any pregnancy-related events
  • COVID-19 coverage
  • No coverage for pre-existing conditions
  • Unlimited coverage for emergency medical evacuation and repatriation
  • No coverage for 5 countries, including Cuba, Iran, Syria, Crimea Region and North Korea
  • Highest medical coverage in the market of up to $2,500,000
  • No coverage for travel against prohibitions/acts/travel alerts/bulletins by any government or public authority
  • Liability for harm or damage you accidentally cause
  • No coverage for extreme sports like scuba diving, snow sports, other similar activities or competition sports
  • Coverage for golf and cruise
  • Trip interruption or cancellation coverage
  • Cover against acts of terrorism
  • Automatic extension of policy period

AIG Asia Pacific Insurance Contact Info

For assistance and inquiries, AIG policyholders can reach out through AIG’s dedicated hotlines for travel and overseas emergencies. If you are unsure about the coverage of your AIG insurance for car rental or require any assistance for your transport while travelling, AIG’s auto-assist hotline is available 24/7. You may also visit AIG at their Singapore office during business hours. As these contact numbers are based in Singapore, international rates will apply when you contact them from your travel destination. 

  • AIG General claims enquiries: +65 6419 3000
  • AIG Travel claims hotline: +65 6224 3698
  • AIG 24-hour overseas emergency assistance hotline: +65 6733 2552
  • AIG 24-hour auto assist hotline: +65 6338 6200
  • Address: AIG Asia Pacific Insurance Pte Ltd, 78 Shenton Way, #09-16, Singapore 079120 (Mon to Fri, 9am to 5pm; closed on public holidays)

Frequently Asked Questions About AIG Travel Guard Insurance

Can I cancel my AIG Travel Insurance policy?

Yes, you can cancel your AIG travel insurance policy. However, the refund policy may vary based on the specific policy you purchased and the reason for cancellation. It's important to review your policy terms and conditions for more information on cancellation and refund policies. If you are overseas and would like to enquire about AIG’s policy extension, you may reach their general claims hotline (international fees apply for calls coming from outside of Singapore), or you can use the AIG SG App to access travel information on the go.

Can I extend my AIG Travel Insurance coverage if my trip is extended?

Yes, you may be able to extend your AIG travel insurance coverage if your trip is extended. However, the ability to extend your coverage and the process for doing so may vary based on the specific policy you purchased. It's important to review your policy terms and conditions for more information on coverage extensions. Learn more about how extended stay travel insurance works in our blog.

Where and how can I purchase AIG Travel Insurance?

You can purchase AIG travel insurance online through SingSaver. It's important to review the policy terms and conditions before purchasing to ensure the policy meets your needs.

What is the maximum period of coverage for AIG Travel Insurance policies?

The maximum coverage period per trip for annual multi-trip policies is 90 days, and 182 days for single trip policies.

Do I need to be fully vaccinated to be eligible for Travel Guard Direct plans?

AIG does not require policyholders to be fully vaccinated to be eligible for Travel Guard Direct plans and their claim benefits. However, travel restrictions and requirements may vary based on your destination and vaccination status. It's important to review the latest travel advisories and requirements for your destination before purchasing travel insurance.

When do I need to submit my AIG travel insurance claims?

You should submit your travel insurance claims after the incident that caused the claim as soon as possible and no later than 30 days. You may access the AIG SG App to easily file claims even when overseas.

How long do I need to wait for my claims to be processed?

The time it takes to process your travel insurance claim may vary for each claim. AIG strives to process claims as quickly and efficiently as possible. However, the complexity of the claim, the need for additional information, and other factors may impact the processing time and its status at each point. It's important to review the policy terms and conditions for more information on claims processing.

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