At AIG Travel, we understand that trips can sometimes take forever to plan, but only a split second to go sour. While traveling, just like in everyday life, bad things can happen to good people, be it lost luggage, a sickness away from home, your hotel being made uninhabitable by a hurricane, or something else. While we’d love to be able to shield you from every single thing that could get in the way of the perfect trip, the truth is – as with all insurance providers – the policies we offer cover only those instances specifically listed in each plan’s Policy of Insurance. That’s why we encourage you to review the insurance policy closely, to ensure you are purchasing the policy that will appropriately cover you for the type of trip you are taking.
We know that “insurance speak” can be a bit confusing sometimes, so we’ve put together a basic travel insurance list to give you a sense of the general items that may or may not be covered.
Generally Covered Unforeseen Events:
- If your hotel / accommodations are made uninhabitable due to natural disaster
- If you lose your luggage
- An insured becomes ill or injured on a trip
- You need to cancel your trip for a covered reason such as becoming ill or injured
- Your trip is delayed or interrupted by an unforeseen event for a predetermined amount of hours as listed on your policy
- Pre‐existing medical conditions (IF you qualify for a pre‐existing medical condition exclusion waiver)
- With our Name Your Family Upgrade, you can choose a limited number of people to be deemed Family Members for the purpose of Family Member-related Unforeseen events
- Change in military orders (be sure you choose a policy that lists this as a named peril – not all of our policies include this benefit)
Generally NOT Covered:
- Changing your mind on whether or not you want to travel
- Cancellation due to fear of traveling
- Fear of getting an illness
- Natural disaster coverage IF the policy was purchased during or after the natural disaster
- Coverage for hurricanes after the storm has reached hurricane status
- Change in military orders if it’s NOT a listed peril in the policy purchased (Be sure you read the Policy of Insurance closely to make sure military orders are covered before you purchase if you would like coverage for this!)
- A pre‐existing medical condition
- Traveling to a destination where a formal travel warning has been issued by the government
- Failing to get a passport, visa or required travel documents in time
- Participating in adventurous, dangerous or extreme activities (a list of these can be found in the Policy of Insurance)
- Psychological disorder or self‐inflicted injuries
This list covers some of the most common concerns that come up when looking at travel insurance. Again, we always recommend that you take a few moments to read through the terms and conditions of the Policy of Insurance for the plan that you’re considering, and, of course, if you if you have any questions, we’re happy to help! We’re available to talk 24 hours a day, 7 days a week at 1.800.826.1300.
If you are new to travel insurance, here’s how to better understand your travel insurance plan.