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Travel is one of life's great joys.
But even the most carefully planned trip can be complicated by unforeseen events. Whether it's cancelled flights, lost luggage, or a medical emergency, an unexpected mishap can turn your vacation dream into a nightmare. We want to make your vacation memorable for all of the right reasons. Purchasing travel insurance provides protection, and gives you piece of mind.
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Frequently Asked Questions about Travel Insurance
Q. Why should a traveler buy travel insurance?
A. Travel insurance gives travelers coverage for unforeseen problems, from a cancelled flight to a serious illness-or in rare cases, even an act of terrorism or the financial default of a travel supplier. If an illness, accident, or other covered unforeseen circumstance forces a traveler to cancel or interrupt their plans, they face two major financial losses-money invested in nonrefundable pre-payments, and medical expenses that in many instances may not be covered by health insurance.
Q. What happens if a traveler must cancel their vacation?
A. Often a traveler will lose nonrefundable deposits and prepayments that can add up to hundreds-or even thousands-of dollars. A comprehensive travel insurance plan through AIG Travel Guard can provide trip cancellation coverage for the traveler's vacation investment-the insurance company reimburses the traveler for all pre-paid, nonrefundable expenses for a covered loss.
Q. How does trip cancellation and interruption coverage work?
A. It reimburses for forfeited, nonrefundable, unused payments or deposits if the traveler must cancel or interrupt their trip due to a covered reason.
Q. What other coverage is typically included in an AIG Travel Guard travel insurance plan
A. In addition to trip cancellation and interruption, the more comprehensive travel insurance plans available today may also cover emergency medical expenses; emergency medical transportation, when ordered by a doctor, to the nearest adequate medical facility; reimbursement for accommodations and expenses incurred due to travel delays; reimbursement for the purchase of essential items if baggage is delayed; and coverage against lost, stolen or damaged baggage.
Q. Does travel insurance cover terrorism?
A. Many travel insurance policies do not cover terrorism, or only cover terrorist acts that occur on foreign soil. Travel insurance through AIG Travel Guard can cover terrorist incidents both in the United States and abroad.
Q. Is the financial default of an airline, cruise line or tour operator covered?
A. Many of AIG Travel Guard's retail insurance programs include financial default coverage if the program is purchased within 15 days of making the initial trip deposit.
Q. Does AIG Travel Guard offer travel insurance plans tailored to specific types of travel?
A. Yes. AIG Travel Guard offers travel insurance plans for an array of budgets, from modest trips to high-end luxury vacations. There are also products for last-minute getaways and extended trips, and specific coverage plans for cruise travelers, golf travelers, students, and sports travel.
Q. How much does travel insurance cost?
A. The cost of travel insurance is based, in most cases, on the value of the trip and the age of the traveler. Typically, the cost is five to seven percent of the trip cost.
Q. What else is offered with the purchase of an AIG Travel Guard plan?
A. To boost travelers' confidence when traveling, AIG Travel Guard has added LiveTravel® assistance, which provides 24-hour, "911" emergency travel agency-type services to all standard retail plans, in case a traveler has to change a flight or a hotel room. AIG Travel Guard has also added assistance with emergency cash transfers, pre-trip consultation services (travel advisories, passport requirements, inoculation information, etc.), and live messaging, which will relay any e-mail or phone message to family, friends or business associates.
Q. I already purchased my flight. Can I add travelers insurance after-the-fact?
A. You can purchase insurance after you have purchased your travel items. Simply click on the logo below to begin your purchase:
"I sent my son on a trip with a large group of teenagers. I had purchased the trip online and decided at the last minute to purchase the insurance. When my son called me and told me his group had missed their connection due to poor weather conditions, I felt so bad for him... stuck in Pittsburgh for the night instead of Los Angeles! That also meant that he was losing one day of his 10 day trip in Australia. I didn’t give it any more thought until I received a check in the mail from the insurance company. I was pleasantly surprised and have always purchased travel protection since that incident."
- Cheryl from PA
Tell us your story! Send us your most horrific travel experience and why your travel insurance saved the day. You may receive a $50 travel voucher! Send your story to customercare@etravco.com.
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