AIG Travel Insurance

AIG is a specialist provider of travel insurance.

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The table below displays a snapshot of AIG Travel Insurance’s policies on Canstar’s database, sorted by Star Rating (highest to lowest). Please note the products and Star Ratings displayed are based on a couple travelling to the USA aged under 70.

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What types of travel insurance does AIG Travel Insurance offer?

AIG Travel Insurance offers both domestic and international travel insurance, with specialised policies for frequent travellers, seniors, cruisers and skiers. All of these fit under AIG’s comprehensive travel policy.

If you’re unsure as to which kind of travel insurance is most appropriate for you, or would like to better understand the differences between the different types of cover, check out our comprehensive guide on travel insurance.

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What does AIG Travel Insurance’s international travel insurance cover?

AIG Travel Insurance’s international comprehensive policy will cover you for:

  • Medical cover: AIG Comprehensive has unlimited medical expenses; however, you must provide a medical practitioner’s report confirming you’re unfit to travel.
  • Loss/theft of personal items: AIG also covers the loss or theft of personal items, including trip delays or damage. It will pay up to $30,000 for various items such as electronic equipment.
  • Travel delays/cancellation: AIG has unlimited cancellation with additional travel and accommodation due to strikes, natural disasters, riots or other severe weather conditions. It also has a limit of up to $4,000 for travel delays and missed connections.
  • Rental car excess: If, as a result of an unexpected event, the rental vehicle you have hired is stolen or damaged during your journey, AIG Comprehensive will reimburse you for any non-refundable excess payable to the rental vehicle company of up to $4,000.
  • 24/7 assistance: AIG Travel’s worldwide assistance team is available 24 hours a day via phone.
  • Lost or stolen documents: AIG will cover the cost involved in replacing important documents that have been lost or stolen.

Please note that exclusions may apply. For example, your medical cover may not pay claims for medical or dental treatment received in Australia, and it will only cover losses related to pregnancy up to and including the twentieth week. Another example of an exclusion is not being covered for any delays caused by a natural disaster occurring before the start date of your insurance.

For more details about what is and isn’t covered, check out the Product Disclosure Statement on AIG’s website.

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Yes, AIG’s comprehensive policy has unlimited cover for overseas medical and hospital expenses under the following circumstances:

  • You need medical assistance for an unexpected illness
  • You’re seriously injured in an accident
  • You need to be evacuated for an unexpected injury

As always, various conditions and exclusions will apply. It’s highly unlikely that you will be covered if the injury you suffer is classified as a ‘pre-existing condition’, for example.

For more information on whether you’re covered or not, read AIG Travel Insurance’s Product Disclosure Statement.

Yes, AIG will cover you up to a certain amount for replacing or reimbursing luggage and personal effects that are lost, stolen or damaged while travelling.

Under AIG’s Comprehensive policy, up to $30,000 worth of your belongings will be covered. AIG will also cover:

  • The cost of essential medication if its lost or destroyed
  • Up to $1,000 per item for essential items
  • $3,000 per item for laptops, tablets, cameras, etc.

Again, there are exclusions that come with AIG Travel Insurance’s policies. For personal items and jewellery, you must specify them before applying, and all items must be approved by AIG. Otherwise they will not be covered. Ensure you check the PDS to find out more about what items and luggage are and aren’t covered.

If you’re not sure what to do when your luggage goes missing, check out our guide on travel mishaps and how to avoid them.

Yes, AIG Travel Insurance will cover up to a certain amount for lost deposits and cancellation fees for pre-paid travel arrangements due to unforeseen circumstances outside the traveller’s control on a policy:

  • Unlimited cover if your journey was cancelled or delayed, with additional travel and accommodation due to strikes, natural disasters, riots, or other severe weather conditions.
  • AIG will cover travel agent cancellation fees, and reimburse for frequent flyer points lost.
  • A reimbursement for any tickets to special events that you were unable to attend due to unforeseen circumstances.

Read the Product Disclosure Statement for more information on the various exclusions that may apply.

You can purchase an AIG Travel Insurance policy by first comparing your options with Canstar and then generating a quote online. All you need to list is your personal details (age, length of trip, address, etc.), your pre-existing conditions and your choice of cover:

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You must lodge a claim within 30 days after the completion of your travel. If you need to make a claim, you can either lodge it online or over the phone as AIG provides 24/7 emergency assistance, as well as reverse charges if you’re calling internationally.

  • For a local claim, call 1800 339 663
  • For an international claim, call +603 2772 5592

Or you can download a claim form by clicking on the claims tab on the AIG website.

Check out our guide on how to make claiming for travel insurance easier.

AIG has been operating in Australia since 1957 and has more than 90 million customers worldwide. It not only offers travel insurance but also specialise in life insurance, mortgage insurance, retirement products and other financial services.

Source: AIG

Written by: Regina Collins | Last updated: