Travel Guard
Travel Guard Preferred
AIG’s mid-tier bestseller — balanced limits with a deep add-on menu.
Medical Sum Insured
$50,000
Deductible
$0 deductible
Ages Accepted
0–99
Max Trip Length
365 days
Sold To
US residents
Destinations
Worldwide incl. USA/Canada
Pricing Style
% of trip cost
24×7 Assistance
Yes — global assistance line
Why travellers pick it
- Add-ons: adventure sports, pet, wedding, name-your-family
- Trips up to a full year
- CFAR upgrade available
Full benefit schedule
Emergency Medical
$50,000
Hospitalisation, physician fees, diagnostics and prescribed medicines when you fall sick or get injured abroad. The single most important number on any travel policy.
Emergency Evacuation
$500,000
Air-ambulance or medically-supervised transport to the nearest adequate hospital — routinely a five-to-six-figure cost from remote areas, cruise ships or mountains.
Trip Cancellation
100% of insured trip cost
Refunds prepaid, non-refundable trip costs when you must cancel for a covered reason (illness, injury, death in family, and other listed events) before departure.
Trip Interruption
150% of insured trip cost
Reimburses the unused portion of your trip and extra transport home when a covered event cuts the trip short after departure.
Trip Delay
$800
$200/day after 5h
Missed Connection
$1,000
Extra transport costs to catch up with your itinerary (or cruise at the next port) after a delayed inbound leg makes you miss a connection.
Lost / Damaged Baggage
$1,000
Reimbursement for checked baggage lost, stolen or destroyed by a carrier, subject to per-item limits and depreciation.
Baggage Delay
$300
Emergency purchases (clothes, toiletries) when checked bags are delayed beyond the waiting period, usually 12–24 hours.
COVID-19 Cover
Covered as any sickness
Medical expenses and (on some plans) quarantine allowance or cancellation if you contract COVID-19 before or during the trip.
Pre-existing Conditions
Waiver if bought within 15 days of initial deposit
Cover for acute, life-threatening episodes of declared pre-existing conditions — or a full waiver on US plans bought within the early-purchase window.
Cancel For Any Reason (CFAR) (add-on)
50% of trip cost (optional CFAR)
Buy within 15 days of initial deposit
Get Travel Guard Preferred for your exact trip
Tell us the trip and travellers — we confirm the live premium and eligibility with the insurer, handle the purchase, and stay on your file for claims help.
Key exclusions
- — Pre-existing medical conditions, unless the plan states otherwise or a waiver applies
- — Travelling against medical advice or to obtain planned/elective treatment (unless a medical-travel cover is bought)
- — Injuries from alcohol/drug influence, self-harm, or criminal acts
- — War, invasion, and active participation in civil unrest
- — Professional or competitive sports; extreme activities not on the plan’s covered list
- — Baggage left unattended in a public place; undeclared valuables above per-item limits
- — Losses recoverable from airlines, hotels, or other insurance first (most benefits pay secondary)
How claims work
File online with the insurer (receipts, proof of loss, medical reports). Emergencies: call the 24×7 assistance line first — they direct you to network care and arrange evacuations. Most document-complete claims are decided in 5–15 business days.
File online with receipts and proof of loss; assistance hotline coordinates emergencies 24×7.
Frequently Asked Questions
How much medical cover does Travel Guard Preferred include?
$50,000 of emergency medical cover ($0 deductible). Emergency evacuation: $500,000.
Who can buy Travel Guard Preferred?
Travellers aged 0–99, for trips up to 365 days. Sold to US residents.
How do claims work on Travel Guard Preferred?
File online with the insurer (receipts, proof of loss, medical reports). Emergencies: call the 24×7 assistance line first — they direct you to network care and arrange evacuations. Most document-complete claims are decided in 5–15 business days. File online with receipts and proof of loss; assistance hotline coordinates emergencies 24×7.
Does Travel Guard Preferred cover COVID-19?
Yes — Covered as any sickness.
More from Travel Guard
Premiums shown are indicative estimates compiled from publicly available plan literature and typical market rates — the final premium, terms and issuance are always set by the insurer. Plan benefits, limits and exclusions are summarised for comparison; the policy wording issued by the insurer is the only binding document. Confirm current terms with the insurer or our consultants before purchase.