AIG’s Travel Guard® insurance offers comprehensive protection for travellers, ranging from essential coverage to premium benefits. Backed by one of the world’s largest insurers, AIG provides strong financial stability, global emergency support, and a wide network of claims assistance.

The plans are especially popular with Singapore residents looking for flexible single-trip or annual travel insurance. In addition, AIG often runs promotions for online purchases, giving travellers extra savings through promo codes.

AIG Travel Guard comes in three tiers of coverage: Classic, Superior, and Premier. Each plan provides different levels of medical and trip protection, allowing travellers to select the option that best fits their journey and budget.

Let’s take a look at how AIG Travel Guard Classic fares against other travel insurance providers across the most basic tiers:

The AIG Travel Guard Classic plan offers stronger entry-level medical and cancellation cover compared to Great Eastern, and is on par with Singtel for disruption benefits.

• Pre-existing conditions: AIG travel insurance, like most insurers in Singapore, does not provide coverage for pre-existing medical conditions. This approach is consistent with other providers such as Zurich Travel Insurance and Great Eastern TravelCare. Travellers with ongoing health conditions who require such protection may need to explore specialised plans instead, such as Income’s Enhanced PreX or MSIG’s TravelEasy Pre-Ex.

• Overseas medical expenses: AIG’s Premier Plan offers up to S$2.5 million in overseas medical coverage, one of the highest protection limits available in Singapore. This puts AIG well ahead of many competitors, with Zurich’s Prestige Plan providing only S$250,000, and Allianz Travel offering up to S$1 million or more depending on the chosen tier.

• Trip cancellation & delay: Under AIG’s Classic plan, travellers can claim up to S$2,500 for trip cancellations and S$500 for delays. By comparison, Zurich’s Basic plan offers S$2,500 for cancellations and only S$200 for delays, while Great Eastern TravelCare’s entry-tier coverage typically includes just around S$2,000 for cancellations.

• COVID-9 coverage: COVID-19 cover is included across all of AIG’s plans. This protection extends to overseas medical treatment, a quarantine allowance of S$100 per day for up to 14 days, and trip disruption costs. Many competing insurers restrict pandemic-related benefits to higher-tier policies, making AIG’s inclusivity across every plan tier a distinct advantage for travellers seeking comprehensive safety against COVID-19–related disruptions.

Like all travel insurance policies, AIG’s coverage comes with certain exclusions that travellers should be aware of. These are scenarios where claims may not be honoured, ensuring that the policy remains sustainable and in line with industry norms. It’s important to review these exclusions carefully before purchasing a plan, as they may affect your eligibility for claims in specific situations.

• Pre-existing medical conditions

• One-way trips

• Travel to sanctioned/excluded countries

• Travel against medical advice

• Certain high-risk adventure sports

• War and terrorism (unless specified)

• Alcohol/drug-related incidents

• Pregnancy complications beyond specific weeks

AIG Travel Insurance stands out for its strong benefits, particularly in overseas medical coverage and disruption protection. With up to S$2.5 million in medical expenses covered, policyholders can travel with confidence that they’ll be supported in serious emergencies abroad. COVID-19 protection is another highlight, offered across every tier — something many competitors only provide in higher-level plans. 

Additionally, AIG’s global 24/7 emergency assistance and the option between single-trip or annual coverage make it a flexible choice for both casual holidaymakers and frequent travellers.

On the other hand, AIG follows the industry norm of excluding pre-existing conditions, meaning customers with ongoing medical needs must consider specialised products elsewhere. The Premier plan’s pricing is higher than average, reflecting its substantial coverage.

Like other insurers, AIG also excludes certain adventure or extreme activities, making it less suitable for thrill-seekers. Finally, those seeking to insure one-way trips will need to look for alternative providers, as these are not covered under AIG’s policy. 

Overseas medical and hospitalisation 

AIG Travel Guard offers extensive overseas medical and hospitalisation coverage, with limits scaling up across its three tiers — from S$200,000 under the Classic plan to S$2.5 million under the Premier plan.

This wide range ensures travellers have financial protection against unforeseen medical emergencies, whether during a short regional getaway or a long-haul journey where hospitalisation costs can be significant. While pre-existing conditions are not covered, the inclusion of COVID-19 medical treatment and quarantine allowance across all tiers adds reassurance in today’s evolving travel environment.

Emergency evacuation and personal accident

All AIG Travel Guard plans include emergency medical evacuation and repatriation, helping travellers receive the necessary care if they need to be transported to the nearest medical facility or returned to Singapore. Superior and Premier plans provide unlimited evacuation coverage, which is particularly valuable for trips to destinations with expensive or limited healthcare facilities.

In addition, AIG offers personal accident benefits that cover accidental death or total permanent disability, with payouts rising to S$300,000 under the Premier tier. These benefits provide an extra layer of financial security, making Travel Guard appealing for families and frequent travellers who want peace of mind in the event of a serious accident.

Travel inconvenience

AIG also provides robust travel inconvenience benefits. Even the entry-level Classic plan covers up to S$2,500 for trip cancellations and S$500 for travel delays, helping offset costs if flights are cancelled, postponed, or plans are disrupted. Higher tiers extend these limits to S$7,500 cancellation and S$1,500 delay under Premier, alongside increased baggage loss coverage of up to S$10,000.

Compared to other entry-level plans on the market, AIG’s Classic plan offers more generous disruption protection, especially for trip cancellations. These benefits make Travel Guard an attractive option for travellers who want dependable coverage against the most common travel disruptions.

It’s important to note that exclusions apply: coverage for baggage delay typically starts only after a minimum number of hours (as stated in policy terms), and compensation may be capped per item. Travel inconvenience benefits also do not extend to trips booked against government advisories or journeys to excluded destinations.

While AIG does not offer fully free bundled travel insurance through credit cards the way UOI does, customers can still enjoy complimentary benefits and savings when purchasing Travel Guard online. These include:

• Complimentary COVID-19 coverage across all plan tiers (Classic, Superior, Premier) at no additional cost. This covers overseas treatment, trip disruption, and a daily quarantine allowance of S$100 for up to 14 days.

• Online promotion codes that act like a complimentary discount:

• AIGST25OFF – 25% off Single Trip plans

• AIGAT25OFF – 25% off Annual Multi-Trip plans

• Access to AIG’s global 24/7 assistance centres, included free of charge with every plan purchase.

These complimentary benefits give travellers a useful baseline of protection and savings, even before factoring in the broader cover of paid tiers. While they provide a strong start, higher-tier plans (Superior and Premier) still deliver more comprehensive medical, evacuation, and disruption coverage. Travellers embarking on long-haul or complex itineraries will find these more suitable for peace of mind.

To initiate an AIG travel insurance claim, follow these steps:

1. Complete the claim form: Download the official Travel Guard claim form from AIG Singapore’s claims portal.

2. Prepare supporting documents: This includes boarding passes, flight itineraries, medical reports, receipts, or police reports (if relevant).

3. Submit the claim: You may file online through the AIG claims portal, or mail the completed form and documents to AIG’s Singapore office.

It’s important to submit your AIG travel insurance claim within 30 days of the incident. Claims are usually processed within 10 business days once all documents are received and verified.

Overall, AIG travel insurance singapore is a strong and well-rounded option, offering three tiers (Classic, Superior, Premier) that cater to different budgets and coverage needs. All plans include essentials such as high overseas medical limits, trip cancellation, travel delay protection, and COVID-19 coverage, making them suitable for families, leisure travellers, and professionals.

However, like most insurers, AIG does not cover pre-existing medical conditions and excludes certain high-risk activities. Travellers who require these protections may need to consider specialised alternatives.

For the majority of travellers, though, AIG Travel Guard stands out with its combination of generous medical coverage (up to S$2.5 million), robust disruption protection, and global 24/7 assistance network, backed by one of the world’s most recognised insurers. This makes it a reliable choice for those seeking comprehensive protection in 2025.