Travel Guard (AIG) is a annual travel insurance provider. Price: $200–$500/year. Best for: Frequent business travelers, Families taking multiple trips. Overall score: undefined/10.
Travel Guard, underwritten by AIG (American International Group), is one of the most recognizable names in US-based travel insurance. With decades in the market and the financial muscle of AIG behind it, Travel Guard's annual multi-trip plans are a popular choice for frequent travelers who want consistent protection without the hassle of buying per-trip policies.
The Annual Travel Plan covers all trips taken within a 12-month period, typically capping individual trip length at 90 days. With trip cancellation, interruption, delay, baggage, and medical coverage all bundled together, it functions as a comprehensive travel safety net for frequent flyers. The plan also includes concierge services and ID theft resolution — extras that add meaningful value for business travelers.
Travel Guard's weakness is its medical coverage on standard annual plans, which tops out at $100,000 — adequate for most destinations but potentially insufficient for extended stays in countries with high medical costs. The cancel for any reason (CFAR) upgrade reimburses 50–75% of non-refundable costs, which is competitive. For travelers taking 4 or more international trips per year, Travel Guard's annual plan pricing almost always beats per-trip policies from comparable providers.
| Category | Score |
|---|---|
| Coverage | ★★★★☆ |
| Price | ★★★☆☆ |
| Claims Process | ★★★☆☆ |
| Customer Service | ★★★★☆ |
| Flexibility | ★★★★☆ |
| Overall | 3.6/5 |
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| Plan | Monthly Price | Medical Coverage | Highlights |
|---|---|---|---|
| Annual Travel Plan | $200–$300/year | $50,000 | Unlimited trips per year (up to 90 days each), Trip cancellation per trip, Baggage and travel delay, 24/7 assistance |
| Annual Travel Plan Plus | $300–$500/year | $100,000 | Higher trip cancellation limits, Cancel for any reason add-on eligible, Business equipment coverage, Rental car damage reimbursement |
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