AIG Travel Guard Insurance
AIG Travel Guard Insurance is offered by American International Group, Inc. (AIG), a global insurance company with a strong reputation for quality products and services. This comprehensive travel insurance product covers a wide range of travel-related risks, including medical emergencies, trip cancellations and interruptions, and more.
When comparing travel insurance, one of the standout 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
- Comparing AIG Travel Guard Insurance plans
- Types of AIG Travel Guard Insurance Coverage Provided
- AIG Travel Guard Insurance promotions
- AIG Travel Guard Insurance policy & coverage types available
- How to claim AIG Travel Guard Insurance?
- Countries That AIG Travel Guard Insurance Covers
- Pros and Cons of AIG Travel Guard Insurance
- AIG Asia Pacific Insurance Contact Info
- Frequently Asked Questions About AIG Travel Guard Insurance
- Other travel insurance providers
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 their 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 Claim processing is known for being responsive and reliable. With a dedicated claims team, AIG aims to process claims as quickly and efficiently as possible.
Convenient AIG SG app access
The AIG SG app offers a comprehensive tool for travellers, facilitating AIG travel insurance online purchases directly through the app. It serves as a single point for managing insurance needs on the move, including filing claims and accessing critical travel information. The app also provides instant access to emergency assistance services, including the 24/7 global assistance hotline, even from outside of Singapore.
Compare AIG Travel Guard Insurance Plans
Comparing AIG Travel Guard Insurance plans
See the table below to compare the different AIG Travel Guard Direct Insurance policy options available for your preference and specific travel needs.
|
Plan Type and Coverage |
AIG Travel Guard® Direct - Basic |
AIG Travel Guard® Direct - Standard |
AIG Travel Guard® Direct - Enhanced |
AIG Travel Guard® Direct - Supreme |
Overseas Medical Expenses and Emergency Medical Evacuation
|
S$100,000 |
S$200,000 |
S$1,000,000 |
S$2,500,000 |
COVID-19 Coverage
|
S$50,000 |
S$100,000 |
S$200,000 |
S$250,000 |
Trip Cancellation (pre-departure) |
S$5,000 |
S$5,000 |
S$10,000 |
S$15,000 |
Travel delay (Individual - S$100 every six hours) |
S$200 |
S$1,000 |
S$2,000 |
S$3,000 |
Baggage Loss |
S$3,000 |
S$3,000 |
S$5,000 |
S$10,000 |
Baggage delay (individual - S$200 every six hours) |
N/A |
S$1,000 |
S$1,200 |
S$1,600 |
Personal accident (death and permanent disability)
|
N/A |
S$100,000 |
S$200,000 |
S$300,000 |
Kidnap and Hostage |
N/A |
N/A |
S$250 for every 24 hours, up to S$5,000 |
S$250 for every 24 hours, up to S$10,000 |
Loss of Sporting Equipment |
N/A |
N/A |
S$1,000 |
S$2,000 |
Extreme Sports and Other Sporting Activities |
N/A |
N/A |
N/A |
N/A |
Pre-existing Conditions |
N/A |
N/A |
N/A |
N/A |
Types of AIG Travel Guard Insurance coverage provided
As we have outlined the various policy options available under AIG Travel Guard Direct, let's now take a closer look at AIG Travel Insurance to understand their distinctions better.
This detailed analysis aims to highlight the differences between AIG Travel Guard vs Travel Guard Direct, helping you make an informed choice tailored to your travel needs.
|
Coverage Type |
Description |
COVID-19 medical expenses and trip cancellations |
As a travel insurance with COVID coverage, AIG covers 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 Travel 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 |
Personal accident 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 S$5,000 to S$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 S$5,000 to S$15,000. |
Flight delays |
AIG Travel Insurance compensates you for a flight delay of a minimum of six consecutive hours (S$100 for every six 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 S$5,000 to S$15,000. |
Personal baggage delay |
AIG Travel Insurance provides coverage if your baggage is delayed at your destination airport at S$200 for every six consecutive hours. The capped claim amount varies depending on the selected plan 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 S$3,000 to S$10,000. |
Compare AIG Travel Guard Insurance Plans
AIG Travel Guard Insurance Promotions
SingSaver's Exclusive Offer
Select the ideal AIG Travel Guard Insurance policy for your needs with SingSaver and enjoy our latest AIG Travel Insurance promotions:
- Comprehensive coverage for lost travel documents with no sub-limits.
- 24/7 access to AIG Travel Asia Pacific (ATAP) assistance services worldwide.
- Inclusive COVID-19-related coverage at no additional cost.
Receive the following:
- Earn 4 miles for every S$1 spend on your premium, valid until 30 Sep 2024, 5:30pm. Travel Miles Campaign and Additional 2 Miles Travel Giveaway T&Cs apply.
- Get a chance to win up to 500,000 KrisFlyer miles, valid until 30 Sep 2024, 5:30pm. T&Cs apply.
- Receive complimentary lounge access during flight delays, valid until 30 Sep 2024, 5:30pm. T&Cs apply.
Apply via SingSaver to get the best deal, guaranteed. Read more about our Best Deal Guarantee here.
AIG Travel Guard Insurance 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 travel 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 five persons. AIG’s group coverage can include medical expenses, trip cancellations and interruptions, and other travel-related risks. Learn about the difference between group vs individual travel insurance to determine the best coverage option for your group’s needs.
How to claim AIG Travel Guard Insurance?
Follow this step-by-step guide to help you file your AIG Travel Insurance claim efficiently:
1. Contact AIG Travel Insurance as soon as possible
The first step is to contact AIG Travel Insurance as soon as possible after the incident occurred. You can do this by calling their travel claims contact number at +65 6224 3698 during office hours. Have your policy number and details of the incident prepared to facilitate a smooth claims process.
2. Prepare all relevant documentation
AIG Travel Insurance will likely ask you to provide documentation to support your claim, such as police reports, medical reports, receipts, and a copy of your passport and complete itinerary. Make sure to keep all relevant documents organised and easily accessible.
3. Submit claim
You can submit your claim online through AIG Travel Insurance’s online claims portal or by mail. If you choose to submit by mail, please address your documentation to their Travel Claims Department at the following address:
AIG Asia Pacific Insurance Pte Ltd
AIG Building, 78 Shenton Way, #09-16
Singapore 079120
Make sure your claims are submitted within 30 days after the occurrence. Additionally, include all necessary documentation and provide as much detail as possible about the incident to ensure timely processing.
4. Claim status
AIG Travel Insurance will assess 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 S$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 offer travel insurance for extreme sports activities, pre-existing conditions, travels to prohibited areas or countries like Cuba and North Korea, pregnancy-related events, or extensive 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 S$2,500,000 |
No coverage for travel against prohibitions/acts/travel alerts/bulletins by any government or public authority |
|
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. |
|
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 |
|
|
Coverage 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 rentals abroad or require any assistance with your transport while travelling, AIG’s auto-assist hotline is available 24/7. You may also visit AIG during their business hours at their Singapore office.
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 check 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 read the 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 in Singapore?
You can purchase AIG Travel Insurance in Singapore online through SingSaver. It's important to evaluate 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 AIG Travel Insurance 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 check 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 file claims easily, even when you are overseas.
How long do I need to wait for my claims to be processed?
The time it takes to process your AIG 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 read through the policy terms and conditions for more information on claims processing.
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 provided when you purchased your insurances.
Can I cancel my AIG travel insurance policy and receive a refund?
Your refund eligibility may depend on the AIG Travel Insurance policy you hold and the reasons for cancellation. To determine if you can receive a refund, you should carefully review the specific terms and conditions outlined in your policy documentation. If you need further clarification or assistance with understanding the cancellation policy, we recommend contacting AIG directly. This will ensure that you have all the necessary information regarding your eligibility for a refund based on your unique circumstances and the provisions of your insurance plan.
Other Travel Insurance Providers
In addition to AIG Travel Insurance, here are other travel insurance providers available in Singapore:
Allianz Travel Insurance Singapore
Allied World Travel Insurance Singapore
Direct Asia Travel Insurance Singapore
HL Assurance Travel Insurance Singapore
MSIG Travel Insurance Singapore
Seedly Travel Insurance Singapore
Singlife Travel Insurance Singapore
Sompo Travel Insurance Singapore
Starr Travel Insurance Singapore
TIQ Travel Insurance Singapore
Tokio Marine Travel Insurance Singapore
Compare All Travel Insurance Plans
Find the best travel insurance provider with SingSaver, where you can effortlessly compare a wide range of travel insurance policies. Our platform allows you to easily find the perfect match for your specific budget and travel needs.
Whether you're looking for comprehensive coverage for a family vacation, a business trip, or a solo adventure, SingSaver helps streamline the process by presenting tailored options.
Take advantage of our user-friendly platform to ensure you select a policy that offers the best value and protection for your upcoming travels.
