Travel Guard (AIG) offers comprehensive and customizable travel insurance, but potential customers should be aware of mixed customer reviews regarding the claims process. World Nomads Travel Insurance has no available information.
| Attribute | World Nomads Travel Insurance | Travel Guard (AIG) |
|---|---|---|
| Name | World Nomads Travel Insurance | Travel Guard (AIG) |
| Specs | Not available | Coverage Options: Trip cancellation/interruption, medical expense, emergency medical evacuation, baggage loss/delay, and trip delay. Add-on options like quarantine coverage, adventure sports coverage, pet medical expenses, wedding cancellation, "Cancel For Any Reason" (CFAR), rental car insurance, medical coverage upgrade, and evacuation for non-medical reasons. Maximum Coverage Amount (Medical Expenses): Varies by plan. Some plans offer up to $100,000 in medical insurance and $1,000,000 for medical evacuation. Essential Plan: $15,000 Medical Insurance and $150,000 Medical Evacuation, suitable for domestic travel within the US. Trip Cancellation/Interruption Coverage Details: Reimburses nonrefundable expenses if you cancel or interrupt your trip for a covered reason (illness, injury, death of family member, etc.). Trip cancellation protection is not included in the Pack N' Go plan. "Cancel For Any Reason" (CFAR) is available as an upgrade on some plans (like Deluxe and Preferred), reimbursing up to 50% of the trip cost. Baggage Loss/Delay Coverage Details: Coverage for lost, damaged, or stolen luggage. Also reimburses for necessary personal effects if your bags are delayed (length of delay varies by plan). Specific limits apply to items like jewelry, watches, furs, cameras, and electronics. Baggage delays typically require a waiting period (e.g., 12 hours). Emergency Medical Evacuation Coverage: Covers transportation to the nearest adequate medical facility and potentially home. Some plans offer unlimited emergency medical evacuation (except for the Classic plan). 24/7 Assistance Services Availability: Yes, Travel Guard provides 24/7 travel assistance. Services include finding an English-speaking doctor, assistance with missed connections, and replacing lost passports. Emergency hotline: +65 6733 2552 (overseas). Pre-existing Condition Coverage: Pre-existing medical condition exclusion waivers are available, especially if you purchase the plan soon after your initial trip deposit (e.g., within 15 days for some plans). Deluxe plan covers pre-existing conditions if the plan is bought within 15 days of the initial trip deposit. Adventure Activities Coverage (e.g., skiing, scuba diving): Adventure sports coverage is often excluded unless you add an adventure sports bundle. Some plans cover amateur leisure sports like skiing and golf. Policy Exclusions and Limitations: Trips paid for with frequent flyer miles or loyalty rewards may not be covered. Baggage loss for eyeglasses, contact lenses, hearing aids, or false teeth is typically excluded. Known events (e.g., booking a trip during a hurricane warning) are generally not covered. Deductible Options: Not available |
| Price | Not available | Cost is based on trip value and traveler age. Typically, travel insurance costs 5-7% of the trip cost. |
| Ratings | Not available | One site gives Travel Guard an overall rating of 1.69 out of 5 stars, with 19% of reviewers recommending the brand. |
| Pros | Not available | Comprehensive coverage options, 24/7 travel assistance services, Availability of pre-existing condition waivers, Customizable policy with add-ons to increase coverage limits |
| Cons | Not available | Mixed customer reviews regarding claims process, Reports of delays and denials in claims processing, Adventure sports often excluded unless an adventure sports bundle is added, Trips paid for with frequent flyer miles or loyalty rewards may not be covered, Baggage loss for eyeglasses, contact lenses, hearing aids, or false teeth is typically excluded |
| User Feedback - Positive | Not available | Some customers praise comprehensive coverage, Some customers praise helpful service, 89% of Travel Guard customers were satisfied with customer service, 91% satisfied with the claims process |
| User Feedback - Negative | Not available | Others report frustrations with the claims process, including delays and denials, Customer reviews vary on the responsiveness and helpfulness of the 24/7 assistance service in real-world emergency situations |