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AIG Travel Guard Insurance Review: What to Know

Elina Geller

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

Coronavirus considerations

Travel insurance plans offered by aig travel guard, how to buy a travel guard policy, additional travel insurance options and add-ons, what’s not covered by a travel guard plan, who should get a travel guard insurance policy, travel guard, recapped.

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Travel Guard by AIG

  • Offers last-minute coverage.
  • Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
  • Plan available for business travelers.
  • Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
  • Trip interruption coverage doesn't apply to trips paid for with points and miles.

As one of the world’s largest insurance companies and with a 100-year history, it makes sense that AIG would offer travel insurance. AIG’s travel insurance program, called Travel Guard, provides a number of coverage options to offer peace of mind on your trips.

Travel insurance helps you get some money back if anything goes wrong on your trip. If you’re thinking about buying coverage for an upcoming trip, first look into the coverage you may get from your travel credit cards . Many basic protections are offered on cards that you may already have.

If you’re looking for additional coverage, AIG travel insurance is a solid choice. Consumers Advocate rated AIG’s plans at 4.4 stars out of 5 stars.

» Learn more: The majority of Americans plan to travel in 2022

Importantly, if you catch COVID-19 before or during your trip, you will be covered under Travel Guard’s trip cancellation benefit. If you become sick with COVID-19 during the trip, the medical expenses and trip interruption benefits will kick in. However, Travel Guard considers COVID-19 a foreseen event and as a result, certain other coronavirus-related losses may not be covered. Given the constantly evolving travel environment, review the Travel Guard’s coronavirus coverage policies so that you’re award of what is and isn’t covered.

Here’s what you need to know about AIG's Travel Guard insurance plans.

AIG travel insurance’s Travel Guard plans cover you if you need to cancel (or interrupt) your trip due to illness, injury or death of a family member. Inclement weather that causes a trip delay or cancellation is covered by all Travel Guard policies as well.

Travel Guard offers three main AIG travel insurance plans, plus a host of add-on options. Here are the most essential benefits:

Travel Guard Essential - The most basic level of coverage

Covers 100% of the cost of your trip if it gets canceled or interrupted due to illness.

Includes a $100 per day reimbursement for any delays in your trip (max $500 total).

Covers up to $15,000 in medical expenses ($500 dental), plus a $150,000 maximum for emergency medical evacuation.

Covers up to $750 in compensation for stolen luggage and a maximum of $200 if your bags get delayed by more than 24 hours.

Travel Guard Preferred - This midlevel plan gives many of the same basic coverages as the Essential, but at higher levels.

Trip cancellation pays out at 100%. If your trip gets interrupted, you’ll get 150% of the cost of the trip.

Trips delayed by more than five hours will get you up to $800 ($200/day).

You’ll be covered up to $50,000 for medical expenses ($500 dental) and up to $500,000 for emergency evacuation.

This plan offers $1,000 for lost or stolen bags and $300 for baggage delays longer than 12 hours.

Travel Guard Deluxe - The biggest benefits can be found in this highest level plan.

Like the Preferred, you’ll get 100% coverage for trip cancellation and 150% of the cost of your insured trip in the event of a trip interruption.

Up to $1,000 ($200/day) for a trip delay of five hours or more.

Up to $100,000 for medical expenses ($500 dental), $1,000,000 for emergency evacuation and $100,000 in coverage for a flight accident.

Coverage for lost or stolen bags jumps up to $2,500 and $500 for baggage delay of more than 12 hours.

A long list of "Travel Inconvenience Benefits" are also included (such as runway delays, closed attractions, diversions, etc.)

This plan also offers roadside assistance coverage for the duration of your trip, which isn't included in the other two plans.

» Learn more: How to find the best travel insurance

Travel Guard’s website is simple to navigate and provides instant quotes that clearly spell out what's covered. You’ll need to enter basic information about the trip you want coverage for, including:

Destination.

How you’re getting there (airplane, cruise or other).

Travel dates.

Your home state.

Date of birth.

How much you paid for the trip.

The date when you paid for the trip.

Once you answer the questions, you’ll instantly get price quotes for different options of insurance for your trip. Each column clearly shows what’s covered for all options in a long list, so you can quickly compare.

aig europe travel insurance

This example shows options based on a two-week $5,000 trip to Spain for someone who is 40 years old. In this case, the mid-tier plan costs about 6% of the total trip cost.

It’s also important to know that plan offerings change based on what state you live in; not all states are covered.

If you purchase a Travel Guard plan and need to file a claim, you can do it on their website or by calling (866) 478-8222. You can also track the status of the payment of your claim on the site.

If you’re planning multiple trips that you would like covered, look at Travel Guard’s Annual Travel Insurance Plan. This 12-month option covers multiple trips and could save you money over insuring each trip separately.

Another option is the "Pack and Go" plan, which is a good choice if you’re going on a last-minute getaway and don’t need trip cancellation protection.

There are also options to add rental vehicle damage coverage, Cancel For Any Reason coverage, and medical and security bundles to the plans. You’ll be able to select these add-ons when you’re purchasing a policy.

» Learn more: Cancel For Any Reason (CFAR) travel insurance explained

While the Essential, Preferred and Deluxe plans all offer varying degrees of coverage for your trip, there are some things that won’t be covered by any of the plans. Here are a few highlights of things that aren't included; you’ll find full lists on each policy:

Coverage for trips paid for with frequent flyer miles or loyalty rewards programs: Travel Guard will only protect the trips you pay for with cash. If you’re redeeming your points for that bucket list trip, unfortunately, you won’t qualify for coverage. However, the cost of redepositing miles back into your account is covered.

Baggage loss for eyeglasses, contact lenses, hearing aids or false teeth: These items should be kept with you in your carry-on as a general rule, since a Travel Guard policy won’t cover them.

Known events: If you knowingly book a trip with some inherent risks, it won’t be covered. For example, once the National Weather Service issues a warning for a hurricane, it becomes a known event. Once COVID-19 became a pandemic, it was categorized as a foreseeable event and was no longer covered. You can cancel the policy you purchase up to 15 days prior to your trip to receive a refund for the premium paid.

» Learn more: Does travel insurance cover award flights?

Many trips may be sufficiently covered by your credit card benefits, but you should do research to see which cards provide the best options (and remember to use that card to book the trip).

However, if you’re planning major international travel or embarking on a big cruise trip, Travel Guard's Preferred and Deluxe plans may offer better coverage than your credit card. Overall, Travel Guard plans offer a variety of coverage options with an easy-to-navigate website that could be a good fit for your next trip.

If you’re not finding what you’re looking for with a Travel Guard plan, check out an insurance comparison site like Squaremouth, where you will have a lot of different plan options to choose from.

» Learn more: Is travel insurance worth it?

Travel Guard offers several trip insurance plans with varying degrees of coverage. Some plans also allow you to purchase optional upgrades such as CFAR and auto rental coverage. Plan availability differs by state, so make sure you input your trip details to see what plans are available to you.

If you have a premium travel credit card, you may already have some elements of travel insurance coverage included for free. Before you decide to purchase a comprehensive policy, check what coverage you may already have from your credit card.

Travel Guard’s insurance plans offer trip cancellation, trip interruption, emergency medical coverage and evacuation, baggage delay, baggage loss, and more. Some policies may also allow you to add on benefits like Cancel For Any Reason and car rental damage coverage.

If you need to cancel your trip for a covered reason (e.g., unforeseen sickness or injury of you or your family member, required work, victim of a crime, inclement weather, financial default of travel supplier, etc.) you will be covered. To see the whole list of covered reasons, refer to the terms and conditions of your policy.

To get a refund, you will need to file a claim by either calling (866) 478-8222 or submitting it online at its claims page . You may be required to provide verifying documentation to substantiate your claims so keep any receipts that you intend to submit. You can also check the status of your claim at any time on Travel Guard’s website .

The Cancel For Any Reason optional upgrade is available on certain Travel Guard plans. Travel Guard’s CFAR add-on allows you to cancel a trip for any reason whatsoever and get 50%-75% of your nonrefundable deposit back as long as the trip is canceled at least two days prior to the scheduled departure date.

To get a refund, you will need to file a claim by either calling (866) 478-8222 or submitting it online

at its claims page

. You may be required to provide verifying documentation to substantiate your claims so keep any receipts that you intend to submit. You can also check the status of your claim at any time

on Travel Guard’s website

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Sapphire Preferred Credit Card

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

30,000 Limited-time offer: Earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening.

aig europe travel insurance

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AIG

Travel Insurance

Whether you’re planning a two-day getaway, a cruise, an adventure vacation, or a month-long international holiday, our coverages are designed to your needs and budget..

We offer insurance plans to cover travelers worldwide. Your plan can include coverage for car assistance, trip cancellations, medical expenses, emergency travel services, and more. Discover below the travel insurance that suits you best.

Travel Insurance Protection

World business card, international health plan, foreigners plan schengen.

AIG Travel Insurance: The Complete Guide

Everything you need to know before you buy AIG Travel insurance plans

aig europe travel insurance

For decades, AIG Travel , part of American International Group, Inc., has provided travel insurance options for many travelers. Marketed under Travel Guard, the company offers travel insurance solutions and travel-related services, including medical and security services, marketed to both leisure and business travelers around the globe.

If you have purchased a trip insurance plan in the past, it may have been provided by AIG Travel without you even knowing it: the company also creates custom policies for several smaller insurance brokers, airlines and even travel groups. Is AIG Travel the right company for your trip? 

About AIG Travel

AIG Travel is a member of American International Group, Inc., a global insurance company that provides everything ranging from property casualty insurance, life insurance, retirement products, and other financial services. Travel Guard is the marketing name that AIG Travel uses to advertise its portfolio of products.

Today, the company is headquartered in Stevens Point, Wisc., and serves travelers in 80 countries and jurisdictions through eight wholly-owned global service centers in key regions, including Houston, Texas; Stevens Point, Wisc.; Kuala Lumpur, Malaysia; Mexico City, Mexico; Sofia, Bulgaria; Okinawa, Japan; Shoreham, England; and Guangzhou, China. 

How Is AIG Travel Rated?

AIG Travel policies are underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., another subsidiary of AIG. As of June 2018, the policy writer has an A.M. Best A rating, putting them in the “Excellent” credit category with a stable outlook.

For customer service, AIG Travel is highly rated on three major travel insurance marketplaces online. With more than 400 reviews, AIG Travel has a five-star rating from TravelInsurance.com , with a 98 percent recommendation rate. Customers of InsureMyTrip.com give the company 4.56 stars (out of five). Although Squaremouth.com no longer offers AIG Travel policies anymore, previous customers gave the company 4.46 stars (out of five), with less than one percent negative reviews. 

What Travel Insurance Does AIG Travel Offer?

AIG Travel offers four plans for consumers, based on their needs and travel plans: Basic, Silver, Gold, and Platinum. Although the Basic plan is not available direct through AIG Travel, it can be purchased through marketplaces like TravelInsurance.com. All travel insurance plans include travel medical assistance, worldwide travel assistance, LiveTravel® Emergency Assistance, and personal security assistance, but only take effect when travelers are at least 100 miles away from home.

Please note: All schedules of benefits are subject to change. For the most up-to-date coverage information, contact AIG Travel.

  • Travel Guard Basic: Travel Guard Basic is the lowest level of coverage available through AIG Travel Guard, with the smallest benefits for trip cancellation , trip interruption , and trip delay. The basic plan offers 100 percent coverage of trip cancellation or trip interruption events (up to $100,000), but has very low coverage ceilings for return airfare due to trip interruption ($500 maximum), trip delay (maximum of $100 per day, up to $500), baggage loss ($500 before a $50 deductible) and baggage delay ($100 maximum). The basic plan includes an optional rental car damage policy for an additional price but does not include options for a pre-existing medical condition exclusion waiver or accidental death and dismemberment. Read the schedule of benefits here.
  • Travel Guard Silver : Travel Guard Silver is the lowest level of coverage available directly through AIG Travel Guard. Described as “savvy coverage that helps give you peace of mind on a budget,” Travel Guard Silver offers more generous benefits for baggage delay and baggage loss ($750; $50 deductible) and accident sickness medical expenses ($15,000; $50 deductible). This plan also offers optional coverage for pre-existing medical condition exclusion waivers, trip cancellation or interruption due to financial default and additional flight coverage. Typically, travelers who elect to purchase Travel Guard Silver over Travel Guard basic can expect to pay around 2.5% more. Read the schedule of benefits here.
  • Travel Guard Gold : The most popular plan offered by AIG Travel Guard, Travel Guard Gold balances insurance costs with benefits. The Gold plan offers more money for trip interruption (150 percent, up to $150,000 maximum), return airfare due to trip interruption (the greater of $750 or 150 percent of the trip cost) and trip delay coverage ($150 per day maximum, up to $750 total). This plan also introduces several additional benefits, including baggage and travel document loss (up to $1,000), baggage delay ($300) and missed connection coverage (up to $250). When purchasing within 15 days of the initial trip payment, travelers may also be covered for pre-existing condition waivers, trip cancellation or interruption due to financial default and primary coverage for accident sickness medical expenses. Optional coverage levels include Cancel for Any Reason insurance (up to 50 percent of insured trip costs), car rental collision coverage and upgrades for medical expense and emergency evacuation coverage. Before any optional coverage, expect to pay 20 percent more for Travel Guard Gold compared to Travel Guard Silver. Read the schedule of benefits here.
  • Travel Guard Platinum : Travel Guard Platinum is the highest level of coverage offered by AIG Travel Guard, with the biggest benefit levels. In addition to trip cancellation and trip interruption benefits, travelers can receive up to $1,000 for return air travel due to trip interruption, trip delay benefits of up to $200 per day ($1,000 maximum) and up to $500 in missed connection benefits. Like Travel Guard Gold, travelers who purchase their policy within 15 days of their initial trip payment may also receive the pre-existing medical condition exclusion waiver, trip cancellation or interruption coverage due to financial default, primary accident sickness medical expense coverage and primary baggage and personal effects coverage. Optional policy add-ons include Cancel for Any Reason (up to 50 percent of insured trip costs), car rental collision coverage, and medical coverage upgrades. Because Travel Guard Platinum is the highest level of coverage available, it is also the most expensive: travelers should expect to pay between 50 and 60 percent more than Travel Guard Gold before any additional add-on coverage.  Read the schedule of benefits here.

What Won't AIG Travel Cover?

While AIG Travel offers plans to cover many common travel issues, they will not necessarily cover everything. Excluded situations include:

  • Self-inflicted injuries: If you are in crisis while traveling, there are ways to get help anywhere around the world. Note that mental health care may not be covered by your travel insurance plan .
  • Pregnancy or childbirth: In many situations, pregnancy or childbirth are not covered under AIG Travel plans.
  • Dangerous activities: Planning on mountaineering, going motor racing, or participating in a professional-level athletic event? All of these situations are not covered under AIG Travel plans.
  • Baggage loss for items seized by governments or customs officials: Before you return home, be sure to understand what may (or may not) be allowed in your home country. If you believe your items were stolen by customs or Transportation Security Administration officials , there is a separate protocol for reporting those losses.
  • Baggage loss for eyeglasses, sunglasses, or hearing aids: Loss or replacement of prescription vision wear is not covered by AIG Travel.

This is just an abbreviated list of situations that may not be covered under AIG Travel trip insurance plans. For a full list, refer to the schedule of benefits of each plan, which are linked in the above content.

How Do I File a Claim With AIG Travel?

Travelers who purchased an AIG Travel plan in the United States can start their claims online . After starting an account online, travelers can file claims for the most common situations, including trip cancellation, baggage loss, and trip delay. Policyholders can also find documentation requirements online , as well as receive updates online. Those who have questions about their policies or claims can call AIG Travel direct at +1-866-478-8222.

The online claims tool is only available for American travelers who purchased their travel insurance plans in the United States. All other travelers should contact AIG Travel directly via their provided telephone number to start the claims process.

Who Is AIG Travel Best For?

At the Basic and Silver levels, AIG Travel is a very basic-level travel insurance plan that may cover those who do not already have trip coverage through a credit card or otherwise have access to a trip insurance plan. Before considering either of these AIG Travel plans, be sure to check that you don't already have coverage through the credit card used to pay for your trip.

If you are planning a major international trip, or are going on a big trip aboard a cruise line, AIG Travel Gold and Platinum may offer better coverage than a credit card. With large benefit levels and coverage already built in for pre-existing conditions when purchased within the first 15 days of an initial travel payment, Gold and Platinum can be a better bet for those who are spending money on a big vacation and want to make sure their trip runs smoothly.

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  • Existing Customers
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Single Trip Travel Insurance

ENJOY 20% OFF YOUR SINGLE TRIP TRAVEL INSURANCE BY BUYING ONLINE*

*20% online discount automatically applied to all new business AIG Direct Travel Insurance quotes.

The Top Benefits of AIG Single Trip Travel Insurance

Get more out of your one-off trip with AIG's single trip travel insurance, exceptional cover at a price to suit any budget and destination. Get covered on a weekend away from as little as €6.44[ 1 ].

[1] Cover for an individual aged 18-54 holding Private Health Insurance which provides medical cover whilst abroad, travelling for 3 days (2 nights) on an online European Budget policy (Single Trip Premium in this case €6.44). Example correct as of 06/03/2023.

Exceptional Price Tag

Exceptional Price Tag

Whether you are heading near or far, our single trip cover comes at an affordable price letting you get on with your holiday.

Cover Levels To Suit You

Cover Levels To Suit You

AIG offer 3 types of Travel cover with optional additions to ensure that we have a policy to match your needs

Emergency Assistance

24 Hour Emergency Assistance

Our 24/7 emergency service can liaise with doctors, hospitals and guarantee medical charges in a medical emergency

Travel Insurance Cover Levels That Suit Your Needs

Premier Plus Plan

Premier Plus Plan

∙ Up to unlimited medical expenses

∙ Personal baggage up to €2,500

∙ Up to the final cost for cancellation

∙ Up to €500 in travel delay cover

∙ Up to €500 uninhabitable accomodation

∙ Home help and pet care

Premier Plan

Premier Plan

∙ Up to €5m in medical expenses

∙ Personal baggage up to €2,000

∙ Up to €5,000 for cancelling your trip

∙ Up to €300 in travel delay cover

∙ Up to €500 in uninhabitable accomodation

Budget Plan

Budget Plan

∙ Up to €2m in medical expenses

∙ Personal baggage up to €500

∙ Up to €1,000 for cancelling your trip

Note : You can find a more detailed summary of whats covered and the  different benefits offered in our policy document  or on the product information documents for Budget, Premier Plus or Premier.

What is Single Trip Travel Insurance?

Single Trip travel insurance provides flexible cover for a one-off holiday or short break - with a cost to match the length of your trip and the destination you have in mind. It's the best online travel insurance option for anyone who is not expecting to travel again in the next 12 months and wants quick, simple, cost-effective holiday insurance to safeguard themselves whilst abroad for up to 120 days.

Frequently Asked Questions

You can find a list of our most frequently asked questions on our FAQ page. 

Our insurance policies do not cover pre-existing medical conditions, or travel to or through Cuba, Iran, Syria, North Korea or the Crimea region, or countries where the Department of Foreign Affairs have allocated  a security status of 'avoid non-essential travel' or 'do not travel'.  Other exclusions and conditions may apply so please check the  Policy Wording  for details.

Policy Documents

You can find our Travel Insurance Policy Document and IPIDs including all our historical versions, by following the link below.

Exceptional Single Travel Insurance to suit you!

Have a question.

You can contact our customer service team between 9am - 5pm on  1800 344 455 . If you need help with your existing policy or are looking to renew, you can find all your relevant information on our  Existing Customers  page.

Explore Top Travel Tips & Thoughts

Know more and make better choices - find useful tips and ideas on our blog !

8 of the Cheapest City Breaks in Europe

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Risks you take without Travel Insurance

Risks you take without Travel Insurance

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10 Stunning Cities for a Weekend

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Is Car Hire Excess Insurance Worthwhile?

If you don’t want to spend up to €1,000 of your holiday budget on car hire excess fees, then yes, car hire excess insurance is worthwhile. Excess insurance is relatively cheap and could save you a lot in fees if your hire car is damaged while you are abroad. You can also tailor the policy to best suit your needs.

Get your great value Travel Insurance today

Terms and conditions:.

[1] Cover for an individual aged 18-54 holding Private Health Insurance which provides medical cover whilst abroad, travelling for 3 days (2 nights) on an online European Budget policy (Single Trip Premium in this case €6.44). Example correct as of 06/03/2023.

• Our products are available for Ireland residents only.

• You must be 18 years or over to purchase a policy.

• Your trip must not have already started to purchase a policy from us.

• Upper age limits may apply, depending on the product selected.

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If you have a query about our Travel Insurance, our policies or your cover you can find the answer here

Frequently Asked Questions

What is aig.

AIG Europe S.A. Finland Branch is the Finnish branch of AIG Europe S.A., an insurance company registered in Luxembourg. AIG Europe S.A. is authorised to write general insurance throughout the European Union. Our office is at Kasarmikatu 44, 00130 Helsinki, Finland. In the same office works also our efficient claims departement and all together 60 emplyees.

What is Travel Guard?

Travel Guard® is our marketing name for our travel insurance products. AIG co-operates with several airlines and travel agencies and also sells travel policies through  www.aigdirect.fi/travelguard  – website. Our affordable travel insurances has been developed to be easy to buy and easy to choose to best suitable option for everyone’s need.

How do I know what is covered under travel insurance?

You can find the policy document via link from this web site. Also you will get with email a policy certificate and policy document always after the purchase. We recommend you to carry the policy document and certificate with you while travelling.

When does my coverage begin? When does it end?

The Trip Cancellation protection will become effective immediately upon purchasing your insurance. The remaining coverage and services provided will take effect when you leave your home for this trip. All coverage and services will terminate when you return to Finland or at the end of the period shown on your policy certificate, whichever is earlier.

Do I need to carry my policy with me when travelling?

To take advantage of 24-hour emergency assistance, all you need is your policy number and the 24-hour medical emergency number, which is easily shown at the policy certificate. Although you do not need to carry proof of coverage for coverage to be in effect, some foreign medical providers may wish to see documentation.

Where can I obtain a copy of Policy Document

You will receive automatically by email a policy certificate with the link to the policy document. Policy document can be also read via link in these pages.  Although you do not have to carry a copy of the policy certificate order for coverage to be in effect, it is suggested that you do so for handy reference.

Are there any countries excluded under my insurance?

Yes, your policy does not cover any trip in, to or through the following countries; Afghanistan, Cuba, Iran, Iraq, Liberia, Syria, Democratic republic of Congo or Sudan.

Which countries belong to Europe?

Once you choose Europe as destination, we cover all trips to the continent of Europe west of the Ural Mountains including its neighboring islands and non-European countries bordering the Mediterranean (excluding Algeria, Israel, Jordan, Lebanon and Libya. For these countries you need to choose destination as worldwide).  If you travel to Turkey, you can choose Europe as destination. 

Can I cancel my trip for any reason and get all my money back?

No. You may receive a reimbursement if you cancel for a covered reason as outlined in the Policy document. Covered reasons include, but are not limited to, such unforeseen emergencies as illness, injury or death of you, your travelling companion and/or an immediate family member. Pre-existing conditions are not covered.

Who can buy the policy?

Travel Guard travel insurance can be issued for all 18-70 years old individuals, who are permanent residents of Finland and has own KELA-card.

Can a child travel alone with this insurance?

No, Children under 18-years are only covered while travelling accompanied by an adult insured under this policy.

How do you define a family?

A family is defined as an individual and his or her partner (provided they have lived together for 6 months or more) and their dependent children who are aged under 18 at the date you buy this policy (or aged under 23 years  if they are still in full time education).

If I buy a family policy can my wife travel alone?

Unlike many multi-trip policies, this Annual Frequent Traveller policy does provide cover for insured Adults travelling independently. However children must be accompanied by an insured Adult named in the policy.

How do you define a partner?

A partner is considered a person who insured have lived with for 6 months or more who is insured's husband or wife, common law husband or wife, civil partner, fiancé, fiancée, boyfriend or girlfriend.

Are there any exclusions or limitations to the policy?

Yes. This travel insurance does not cover pre-existing medical conditions (A pre-existing medical condition is a medical condition or any illness related to a medical condition which you or your companions knew about when purchasing this insurance) and excludes comparatively high-risk activities. For a complete listing of exclusions and limitations, please refer to the General conditions and General exclusions as shown on the Policy Document.

I'm going Scuba Diving, am I covered?

Yes, this policy will cover you for scuba diving up to depths of 30 meters. You must dive under the direction of an accredited dive marshal, instructor or guide and you must keep within the guidelines of the relevant diving or training agency or organization.

Which activities this policy does not cover?

Compensation is not paid in example these cases where an accident, sickness or death was caused when the insured participated in: 

  • climbing, e.g. mountaineering, rock and wall climbing, 
  • abseiling, 
  • independent treks or expeditions abroad to mountains, jungles, deserts, wilderness areas or other uninhabited areas, 
  • pot holing, 
  • ocean sailing, 
  • being a hired crew member on a vessel sailing from one country to another, 
  • white water rafting above level 3, 
  • aviation sports, such as hand-gliding, paragliding, gliding, parachute jumping, bungee jumping,
  • Hot Air Ballooning (unless pre-booked with your Tour Operator), 
  • off-piste skiing and speed skiing, 
  • scuba diving below 30 metres, 
  • participation in an athletics competition, 
  • sport requiring a license, 
  • combat and contact sports, such as boxing, wrestling, judo and karate, 
  • cannoning, 
  • motor sports, 
  • fighting, except in justified self-defence.           

If you are unsure if the activity is covered and it is not mentioned at the list, please check from our customer service that this insurance meets your needs.

Does the policy always cover winter sports?

No, if you are to buy single trip policy, you need to add separately the winter sports cover. On annual policy there is automatically included cover for 17 days for winter sports.

Where do I get information on different coverage levels (Gold, Silver & Bronze)?

The benefit amounts on different level can be seen below the price after making the quote. The same is found at  the  policy document.

How to choose the level that suits me best?

Our travel insurance product has been divided on 3 different coverage levels; Gold, Silver and Bronze.               

On Bronze level we cover cancellation of the trip and trip delay, but not the medical expenses for travel illness or accident. If you need full travel insurance, then choose either Silver lever (basic coverage) or Gold level (higher benefits).      

On Silver and Gold levels we cover also personal belongings and delay of the travel luggage. All coverage levels can be bought for individual, family, couple or for a small group. You can also add an excess waiver, which removes the excess amount or winter sport cover to make you winter trip more safe.

How I can pay the travel insurance?

You can pay your travel insurance by these credit cards: Visa, American Express, EuroCard or MasterCard. Please note that Visa Electron is not accepted as payment method. If you have Credit/Debit card, you can use the debit side for paying; you need to choose the number in the backside of the card (cvv code is the same as for credit number). Please note that your Debit/Credit card has to be activated from your bank to accept online payments with debit card.

What should I do if the payment is declined?

If for some reason your payment is declined, please recheck the number, validity and the CVVC code. If you still have problems with the payment, please contact your issuing bank or our customer service (tel: +358 203 50 550).

What if I change my mind after I purchase this Travel Insurance?

If this insurance does not meet your need, please contact us by email  [email protected] . If policy is valid 30 – 90 days, we will refund the payment for the insurance if it is cancelled by writing, cancelled before the departure and no claims application made. We do not refund the payment for the insurance if it is valid less than 30 days. Please read detailed information from the Policy Document.

How can I make the claims notification?

Please fill in loss notification and send it signed with the necessary documentation. You can print the loss notification form from our web page. 

If your loss notification will be mailded in Finland, you may use the below address (postage has been paid on your behalf):

               

AIG Claims Department  

AIG Europe S.A. Finland 

Tunnus 5008951 

00003 Vastauslähetys 

Kasarmikatu 44 

00130 Helsinki 

If you have any questions how to fill the form or you wish to receive the form by post, please contact our customer service; Tel: +358 203 50 550.

What to do in case of emergency?

Whilst travelling and in case of emergency, please contact our emergency service. Our professional staff is there to help you in English, Swedish and Finnish 24/7 every day of the year.          

Emergency Service – SOS International AS 

Tel: +45 7010 5054

Money.com

AIG Travel Guard Insurance | Money

W e’ve reviewed Travel Guard from AIG as part of our exploration of the best travel insurance companies of 2023. This review will cover the pros, cons and features of AIG Travel Guard to help you decide if it’s the best travel insurance provider for you.

Best for Add-Ons

AIG travel insurance stands out for its wide variety of add-on options. Travel Guard offers a security bundle, pet bundle, sports bundle and many other add-ons to customize your travel insurance.

AIG Travel Guard Travel Insurance Pros and Cons

AIG Travel Guard is one of many insurance providers that support international travelers while they’re abroad. It isn’t your only option, so let’s take a look at how the company’s policies compare to competitive offerings. Here’s an overview of what you can expect from a Travel Guard travel insurance policy.

  • Up to $1 million in evacuation coverage
  • Plenty of add-on options
  • Optional waiver for pre-existing conditions
  • CFAR upgrade doesn't cover the entire trip
  • Premiums can get expensive

Pros explained

AIG Travel Guard insurance is highly rated across review platforms. This might be the right insurance company for you if you’re looking for a policy with high coverage for medical evacuations, a range of add-ons and waivers for pre-existing conditions.

$1 million medical evacuation coverage

One of the main reasons people buy travel insurance is to pay for an emergency medical evacuation. If you get sick or injured while abroad, you may need to be evacuated for your safety.

With Travel Guard Deluxe from AIG, you get up to $1 million in coverage for medical evacuations. Travel Guard Preferred offers $500,000 for evacuations, and Travel Guard Essential offers $150,000. That coverage goes toward flights and other costs to get you to a safe location where you can receive high-quality medical care.

Offers a variety of special add-on coverages

AIG Travel Guard Insurance offers a wide variety of add-on coverage options. These riders can be added to your plan to customize your trip. These include:

  • Medical bundle: This supplies extra coverage for medical costs and the option to choose your hospital.
  • Wedding bundle: This allows you to cancel your trip if a destination wedding is canceled.
  • Pet bundle: This provides a daily benefit for the costs of traveling with a dog or cat, plus coverage for veterinary bills.
  • Inconvenience bundle: This covers certain problems that don’t end your trip, such as credit card cancellations, closed attractions and trip delays.
  • Adventure sports bundle: This removes coverage exclusions for injuries caused by extreme sports such as scuba diving, skydiving and rock climbing.
  • Baggage bundle: This gives increased coverage for baggage loss and delays.

Pre-existing medical conditions waiver available for purchase

If you have a pre-existing condition that could lead to medical costs during your trip, Travel Guard offers waivers to extend coverage for those expenses. The waiver must be bought before your trip. It might be worthwhile for travelers with chronic conditions, immune system deficiencies, and other conditions that can make traveling especially dangerous.

Cons explained

AIG travel insurance isn’t right for everyone. Before you buy a Travel Guard plan, you should be aware that you can’t get a full reimbursement when you cancel for any reason and that your premium might be more expensive than other options.

Cancel for Any Reason upgrade only covers 50% of trip costs

Cancel for any reason (CFAR) policies are common with travel insurance companies. This add-on allows you to be reimbursed no matter why you cancel your trip.

A standard travel insurance plan only offers reimbursements for a prescribed list of eligible reasons for canceling. These include medical or weather-related emergencies and the death of a close family member or traveling companion. But with CFAR, you can cancel under any circumstances and still receive coverage — as long as you do so 48 hours before departure.

Unfortunately, AIG Travel Guard with CFAR only offers a 50% reimbursement of your prepaid travel expenses. Other companies offer a higher reimbursement percentage, so consider whether you want more comprehensive protection before signing up for this insurance.

Expensive premiums

AIG Travel Guard is not the cheapest travel insurance company out there. Your exact premium depends on several factors, including your destination, plan type, add-ons and age. But based on our sample quotes, AIG travel insurance plans are slightly more expensive, on average, than other insurers’ plans.

AIG Travel Guard Travel Insurance Plans

Like shopping for the best travel credit cards , choosing the best travel insurance plan takes time and research. The best plan will save you money and give you peace of mind, while the wrong plan could be an unnecessary expense. That’s why looking for insurance companies offering multiple policy options is best.

AIG Travel Guard offers three main plans plus two bonus plans for international travel insurance. Let’s break those options down in detail.

Travel Guard Essential is a very basic travel plan offered by AIG. This budget-friendly plan comes with standard coverage for trip cancellations, interruptions and delays. Medical coverage goes up to $15,000 plus $500 for dental costs and $200 for lost or damaged baggage.

The Essential plan is best for a tourist or short-term traveler who is willing to sacrifice comprehensive coverage for a lower insurance premium. The plan can be beefed up with any of AIG’s add-on bundles.

Travel Guard Preferred is a mid-priced option for someone who wants more coverage. This policy comes with medical coverage of up to $50,000 and evacuation coverage of up to $500,000. Damaged, lost or stolen baggage is covered up to $1,000.

Travel Guard Deluxe, the most expensive plan offered by AIG, comes with a wide range of benefits and includes security evacuation, missed-connection coverage, trip-saver coverage and more. This plan offers up to $1 million for a medical evacuation.

Travel Guard Deluxe is a good choice for someone traveling to rural or dangerous areas. It covers almost any emergency and even includes robust coverage for your beneficiaries in case of a fatal accident.

AIG’s Pack N’ Go plan is designed for travelers who buy their insurance at the last minute. There is no cancellation coverage, but this plan offers up to $25,000 in medical coverage plus $500 for lost or damaged baggage. Buying travel insurance at the last minute is not recommended, but this is a helpful option if you plan a trip quickly.

You can purchase an annual travel insurance plan through AIG. An annual plan is ideal for someone who travels frequently, especially to dangerous areas. With Travel Guard’s annual plan, you’ll get:

  • Trip delay coverage: $150 per day, up to $1,500
  • Trip interruption coverage: up to $2,500
  • Lost baggage coverage: up to $2,500
  • Baggage delay coverage: up to $1,000
  • Medical expenses coverage: up to $500,000 (dental coverage up to $500)
  • Accidental death coverage: up to $50,000
  • Emergency evacuations and repatriation of remains: up to $500,000

These benefits apply to multiple trips within the same year. You can renew your coverage annually or cancel at the end of a payment period. Purchasing an annual plan is usually less costly than insuring two trips individually.

AIG Travel Guard Travel Insurance Pricing

AIG travel insurance is comprehensive but on the higher end of the price spectrum. Premiums for Travel Guard Essential and Premium are on par with industry standards. Travel Guard Deluxe is slightly more expensive because of the added coverage that comes with it.

For example, our quote for a month-long vacation in Europe for two people costing around $5,000 came to around $300 with Travel Guard Premium and $560 with Travel Guard Deluxe. Add-on bundles will add a flat rate to that price. Our quotes for the same trip came out to around $150–$300 with other travel insurance companies.

Of course, that’s just an estimation. Your exact premium will vary depending on your travel dates, destination, age, number of people in your party and other factors. AIG family travel insurance goes up in price for each family member added.

Talk to an AIG Travel Guard representative to get a personalized quote for your travel insurance. You can also request a quick quote online for a basic estimate.

AIG Travel Guard Travel Insurance Financial Stability

AIG Travel Guard is an established insurance provider and a publicly traded company. It has an A rating from AM Best, which reflects a high degree of financial strength and stability. AIG also has a rating of A2 from Moody’s and an A+ from Standard and Poor’s. Because Travel Guard is a product of AIG, you should expect this insurer to remain stable in the future.

AIG Travel Guard Travel Insurance Accessibility

Here’s how AIG Travel Guard compares with other top insurers in terms of accessibility.

Availability

AIG travel insurance offers coverage on six continents. You can search for your destination country on AIG’s website to ensure coverage is available, but remember that not all coverage is available in all destinations.

When it comes to buying travel insurance, AIG is only available to residents of the U.S.

Contact information

You can call AIG’s travel insurance phone number any time to get more information about your policy or request help. Both of these numbers have 24/7 availability:

  • U.S. toll-free, 1-855-203-5962
  • U.S. and international collect, 1-715-345-0505

If you need to file an AIG travel insurance claim, you can connect with a customer service agent online or over the phone. You can also reach AIG by mail at:

Travel Guard

3300 Business Park Drive

Stevens Point, WI 54482

User experience

While it does offer a travel-assistance app, this insurer isn’t as up-to-date with modern technology as other options. Its Travel Assistance app has 2-star ratings on both Google Play and the App Store and is difficult to navigate. The website is also slightly confusing and has several pages stating the same information. On top of that, AIG travel insurance claims must be filed directly with an agent.

However, getting a quote on the AIG website is easy. It takes less than a minute, and you don’t need to provide your name or any contact information.

AIG Travel Guard Travel Insurance Customer Satisfaction

AIG Travel Guard receives a high rate of customer complaints. It’s rated 1.01/5 stars with the Better Business Bureau. Some reviewers report a lack of helpful customer service and problems getting their AIG travel insurance refund for a canceled trip.

Keep in mind that these complaints are fairly standard in the travel insurance industry. Your individual experience will vary depending on your plan and other details.

AIG Travel Guard Travel Insurance FAQ

What does aig travel guard travel insurance not cover.

  • Pre-existing conditions (without an optional waiver)
  • Traveling against your doctor's advice
  • Traveling against warnings about war or other dangerous conditions
  • Trip cancellation due to concerns over a COVID-19 outbreak at home or in your destination country. You may be eligible for cancellation coverage if you have a confirmed diagnosis of COVID-19 before your departure.

What is the AIG Travel Guard claims process like?

Is aig travel guard travel insurance worth it, how we evaluated aig travel guard travel insurance.

We evaluated AIG Travel Guard for this review based on several factors, including:

  • Range of plan options
  • Accessibility
  • Customer reviews and complaints
  • Claims filing process
  • The extent of coverage for the cost

Summary of Money’s AIG Travel Guard Travel Insurance Review

AIG Travel Guard stands out for its variety of add-ons. Its optional bundles allow you to customize your plan to meet your travel needs. While the Deluxe plan is a little more expensive than other options, Travel Guard could be the right choice for you if you value flexibility and extensive coverage.

Whichever insurance policy you choose, be sure to plan ahead and buy your insurance far in advance. Keep an eye out for other ways to save on your trip, including the best travel rewards credit cards and travel booking sites .

© Copyright 2023 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

Explainer-AIG-Travel-Gaurd-Insurance

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Travel Insurance Europe

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Are you planning to travel to Europe in the near future? Then you must select a suitable travel insurance plan to secure your trip. Here is all you need to know about Tata AIG's travel insurance plans for Europe.

Think majestic mountains, snow-covered slopes, mesmerising rivers, medieval architecture, old towns, and quaint cafes, and Europe is probably the first place that comes to mind. With its vast and diverse landscape and culture, Europe has long attracted the fantasy and patronage of tourists across the globe.

With its strategic location and important place in history, the continent has no dearth of world-renowned monuments, ancient and modern alike. From the cobbled streets of London to the banks of the Seine in Paris, from the Colosseum in Rome to the breath-taking Alps in Switzerland, Europe is a tourist's dream.

If you are planning to travel to Europe, it is important to buy overseas travel insurance with sufficient coverage for your journey. You can compare travel insurance plans on our website and select the one most suited to your travel insurance requirements.

It is easy to file a Tata AIG travel insurance claim and be reimbursed for any expenses during your Euro travels that are covered under your travel insurance Europe plan.

Major benefits of having a travel insurance Europe plan

  • Travel assistance
  • Local assistance
  • Hijack cover
  • Coverage for baggage loss or delay
  • Cover against personal liability
  • Cover for accident and sickness
  • Coverage for medical expenses associated with the diagnosis of and treatment for Covid-19 during your trip to Europe
  • Instant online purchase of the Tata AIG travel insurance plan for Europe
  • Feasible travel insurance for Europe from India, starting at just ₹40.82 per day
  • Automatic extension of your travel insurance plan for Europe for 60 days in case of hospitalisation when the plan is nearing expiration
  • Automatic extension of your Europe travel insurance plan for 7 days in the event of delay or cancellation of your return flight

Travel Insurance For Europe from India

Planning a journey to any international destination is a matter that requires considerable thinking and preparation. You would not want to be faced with an adverse situation in a foreign land without adequate protection to fall back on, now would you?! Therefore, it is important to engage in thorough research and planning before embarking on your Euro journey.

One of the most significant aspects of planning for a trip to Europe is understanding the local laws applicable in the countries you intend to visit as well as the visa and entry requirements thereof. No matter how careful and comprehensive you are with your planning and preparation, though, you cannot be immune to the impact of unforeseen circumstances such as the ones generated by the ongoing Covid-19 global pandemic.

The international travel landscape has been drastically altered in the wake of the pandemic, and flights to and from different nations have been largely restricted. Although international borders have been gradually reopening in the past few months, you must ascertain whether the European nations that are on your travel itinerary are allowing incoming flights and visitors. Furthermore, you must have information about the Covid-19 specific protocols in place there.

It is, therefore, incredibly important to have some semblance of security and protection during your Europe trip, which is why you must purchase a travel insurance Europe plan. While making the selection for a plan, you must not be swayed by plans that tempt you to buy cheap travel insurance for Europe. You must instead focus on selecting a travel insurance plan that offers you adequate coverage at a feasible rate, such as the ones we offer.

Why Do You Need Travel Insurance from India to Europe?

There are several potential events that may send your well-thought-out travel plans and arrangements for a spin, including sudden strife in the nation you are visiting, the unexpected imposition of an international travel restriction, or the cancellation or delay of your flight. Furthermore, you may end up facing a medical emergency during your journey, which may require treatment and, in severe cases, hospitalisation.

In order to ensure that you have sufficient financial protection against a host of unanticipated circumstances during your travels, you must select a suitable travel insurance plan. Whilst purchasing a Europe travel insurance plan, you must select one that includes comprehensive coverage for any medical and accidental expenses, a cover for the loss or delay of baggage at airports, a local assistance cover, and a health insurance cover.

At Tata AIG, we offer excellent travel insurance plans for Europe, which are easy on your wallet, and comprise a cover for Covid-19 along with sufficient coverage for your trip. What is more, is that these plans are flexible, and you can choose the extent of the coverage in line with your travel insurance requirements and budget.

Here are some of the benefits offered by the Tata AIG travel insurance Europe plan

With the Tata AIG Europe travel insurance plans, you get extensive coverage for your Euro trip, including the following covers:

Baggage Cover

You need not worry should your baggage be delayed or lost at one of the airports you pass through during your journey. With the Tata AIG travel insurance for Europe, you can benefit from a baggage cover and get reimbursement for your lost or delayed checked-in baggage.

Journey Cover

Our travel insurance Europe plans provide extensive coverage for your journey, including a cover for the delay or cancellation of your flights, loss of passport, and the cancellation of hotel bookings.

Medical Cover

With the Tata AIG travel health insurance for Europe, you get financial assistance in the event of any medical emergencies or accidents. If you fall ill during your trip to and from Europe or your stay there, our travel health insurance plan for Europe has got you covered. This plan includes a cover for Covid-19 related medical expenses.

In the unfortunate circumstance of you being hospitalised in Europe, you do not have to worry about your Europe travel insurance plan expiring since we offer 60-day automatic extensions of the plan in such scenarios.

Other benefits

  • Europe travel insurance, starting at ₹40.82 per day, providing you significant coverage at a feasible rate.
  • Swift purchase of your travel insurance plan for Europe on our website without the need to undergo a comprehensive medical check-up.
  • The option to pay your plan premium in Indian National Rupees and get travel insurance coverage in United States Dollars.

Europe Visa and Entry Information

Visa information for europe.

Most of the countries in Europe fall under the Schengen Area, which is a free-travel zone in Europe. Comprising 26 nations from the European Union, the Schengen Area has its own set of visa norms for people who are not citizens of any of the member countries.

Therefore, it is important to understand what types of Schengen Visas are available for Indian nationals and how you can apply for those. There are two main categories of Schengen Visas, namely a Uniform Schengen Visa and a National Schengen Visa.

Uniform Schengen Visa

If your intended stay in Europe is less than 90 days, you can apply for a Uniform Schengen Visa. There are two subcategories of this visa, namely:

  • Type A Schengen Visa for transit through any airport in the Schengen Area (valid for a period not exceeding 24 hours)
  • Type C Schengen Visa for a short-term stay in a Schengen nation (valid for a stay of 90 days in the Schengen Area and for six months from the point of the first entry in the area, following the 90/180 rule). This visa is available in single-entry, double-entry, and multiple-entry variants.

National Schengen Visa or Type D Schengen Visa

If your visit to Europe is for an extended period for reasons such as the pursuit of an academic course, an employment opportunity, or permanent immigration to a country therein, you must apply for a National Schengen Visa. You can apply for a single-entry National Schengen Visa or a multiple-entry one.

There are specific Schengen Visas available based on the intended purpose of your stay in a Schengen Area nation. These visas have been listed below.

  • Business Schengen Visa
  • Student Schengen Visa
  • Schengen Medical Visa
  • Tourist Schengen Visa
  • Schengen Visitor Visa
  • Schengen Visa for Cultural, Sports, and Religious Events and Film Crews
  • Schengen Visa for Official Visits
  • Transit Schengen Visa

A Schengen Visa costs* ₹7,088 for Indian citizens above the age of 18 years and ₹5,316 for children between the ages of 6 and 12 years. Schengen Visas for Indian children below the age of 6 years attract no visa fee.

The applicable Schengen Visa fee is in accordance with the current exchange rate between the Indian National Rupee and the Euro and is subject to change with a change in the said exchange rate.

Documents Required By Indian Nationals applying For a Schengen Visa

Here are the documents Indian nationals need to apply for a Schengen Visa.

  • A printed copy of the visa application form duly filled and signed;
  • Two recent passport-sized photographs containing a light background;
  • An Indian passport valid for at least 3 months from your planned date of arrival in Europe and not older than 10 years;
  • A travel insurance plan for Schengen Visa in India, comprising a medical cover in excess of €30,000 and covering medical evacuation and repatriation;
  • Your flight itinerary to and from Europe;
  • Proof of your planned accommodation during your trip to Europe;
  • Proof of enough funds for the duration of your stay in Europe;
  • A cover letter detailing your purpose for visiting Europe;
  • Proof of your civil status, including your marriage certificate and the birth certificate of your children, if applicable.

Process of Application For Schengen Visa

Indian citizens planning to travel to Europe must apply for a Schengen Visa well in advance by following the steps mentioned below:

  • Decide the type of Schengen Visa you wish to apply for, namely type A, C, or D Schengen Visa.
  • Determine whether you need a single-entry visa or a multiple-entry entry, depending on the Schengen nation you wish to enter and exit Europe from as well as the Schengen nations you wish to visit with that visa.
  • Find the details of the embassy or consulate where you need to apply for the selected visa type.
  • Your application for a Schengen Visa must be filed at least fifteen days before your intended travel to Europe and not earlier than six months.
  • Book an appointment with the relevant embassy or consulate for your Schengen Visa application interview. Check whether the Schengen nation/s you plan to visit allow for online visa applications.
  • Visit the selected embassy or consulate at the scheduled time with all the necessary documents.
  • Pay your Schengen Visa fees and wait for the results of your visa interview to be shared, which ideally takes a fortnight.

Along with your Schengen Visa, you must also apply for a suitable Europe travel insurance plan to ensure a financially secured trip.

Entry Information For Indian citizens Travelling to Europe

All Indian nationals intending to travel to Europe must keep certain entry restrictions in mind. Here are the major entry and documentary requirements for Europe that you must adhere to:

  • A valid Indian passport that is not older than 10 years and whose validity lasts at least three months from your date of entry in Europe;
  • A valid Schengen Visa in accordance with your purpose of visiting Europe;
  • Two passport-sized photographs;
  • Proof of sufficient funds to cover the expenses of your stay in Europe;
  • Proof of enough funds to return to India or travel to a third state for which you have proof of admission;
  • Compliance with the latest European Union transit rules;
  • A travel health insurance plan for Europe, with a medical cover of at least €30,000, including a cover for medical evacuation and repatriation from Europe.

Covid-19 guidelines: Since different nations in Europe have varying Covid-19 related travel and entry restrictions in place, you must check the relevant rules for the countries you intend to visit in Europe and ensure compliance with the testing and quarantine requirements as applicable.

Travel Documents Required while Travelling from India to Europe

While planning for your Euro trip, you must be mindful of the different documents you are required to carry during your journey. Here is a list of these documents:

  • An Indian passport valid for at least 3 months and not issued later than 10 years;
  • A valid Schengen Visa;
  • Travel medical insurance for Europe;
  • Two recent passport-sized photographs;
  • Documentary proof of having enough funds to finance your stay in and return from Europe;
  • A cover letter, mentioning the purpose of your visit to Europe;
  • Your travel documents and travel itinerary;
  • Proof of your intended accommodation in Europe, including a copy of your hotel bookings or university admission letter, as applicable

Europe Travel: Safety and Precautionary Measures to be Undertaken

While in Europe, you must follow certain safety and precautionary measures at all times, including the following.

  • Always keep your passport with you.
  • Ensure the protection of your belongings, particularly when you are at crowded places and tourist hubs.
  • Ensure that you do not stay in Europe beyond your permitted visa limit.
  • Do not travel to unfamiliar or remote areas, especially during the night.
  • Respect the laws and regulations of each European nation that you travel to.
  • Use official commercial means of transport and do not take any private help.
  • Do not participate in any unlawful activities or violate public decorum through verbal or non-verbal means.
  • Select the best travel insurance plan for Europe to ensure that your trip has sufficient coverage against various untoward situations.

Covid-19 specific safety guidelines

  • Wear a mask over your nose and mouth, particularly while using public transport.
  • Practise social distancing.
  • Cooperate with the local government and designated authorities by following the applicable Covid-19 guidelines.
  • Monitor yourself for Covid-19 symptoms and self-isolate and get tested if you develop any of the symptoms.
  • If you purchase the best travel health insurance for Europe, you can take a proactive step towards having a safe and financially secured trip.

The Indian Embassies in Europe

There is an Indian embassy in all the major countries in Europe. Before travelling to Europe, you must check the Indian embassy particulars of the European nation/s you are planning to visit. Should you need any assistance during your journey, your nation's embassy should be your first point of contact.

International airports in Europe

There are several international airports in Europe, and here are some of the most frequented ones:

  • Heathrow Airport, London, The United Kingdom;
  • Charles de Gaulle Airport, Paris, France;
  • Amsterdam Airport Schiphol, Amsterdam, the Netherlands;
  • Berlin Tegel Airport, Berlin, Germany;
  • Istanbul Airport, Istanbul, Turkey.

Currency and Foreign Exchange

The currency of most of the countries in Europe is the Euro (€). It is the official currency of 19 of the 27 countries that are members of the European Union. It is important to note here that the exchange rate between the Euro (€) and the Indian National Rupee (₹) keeps fluctuating on a daily basis. Therefore, you must make a note of the prevailing exchange rate before your trip to Europe.

Furthermore, if you are travelling to a European nation that has its own currency, you must monitor the relevant exchange rate before you travel there. Remember to carry a sufficient amount of the aforementioned currency during your trip.

Europe Tourist Places

Adorned with a rich history, and having witnessed the reigns of some of the most renowned monarchs in history, Europe has no dearth of awe-inspiring historical landmarks and tourist places. Whether it is architectural marvels reminiscent of ages past, such as the Colosseum in Rome and the Parthenon in Greece or modern global landmarks such as the London Eye and the Millennium Bridge in London, Europe has plenty of picturesque tourist sites. Here are some of the places that must be on your Euro trip itinerary.

Rome, Italy

Empires have risen and fallen, but the eternal city of Rome has stood its ground through many turbulent phases in history. Any trip to Europe must have the Italian capital of Rome in the itinerary. With the historic Colosseum, the Pantheon, the Roman Forum, and the neighbouring Vatican City, Rome is home to some of the most recognised landmarks in the world. Rome is also famous for its fountains, open plazas, authentic Italian delicacies, and quaint cafés.

Paris, France

Situated on the scenic banks of the Seine, Paris is one of the most breathtaking cities in the world. Ancient cathedrals, museums, libraries, and palaces line the iconic streets of the French capital. Famous for its cosmopolitan culture and warmth, the city of light has several tourist spots, including the Eiffel Tower, the Palace of Versailles, and the Bibliotheque Nationale.

Istanbul, Turkey

The Turkish capital of Istanbul is a marvel of the ancient and the modern world alike. Adorned with the influences of different cultures, Istanbul is renowned for monuments such as the Aya Sofya and the Topkapi Palace. The city is famous for its multicultural cuisine and hospitality. When in the Old Town of Istanbul, it is easy to forget that you are in a twenty-first-century modern cosmopolis. Such is the time-defying charm and warmth of this city that proudly sits on the border of two continents.

Athens, Greece

The city of Athens has kept the relics of the ancient Greek civilisation alive, and every visitor to this iconic city can experience history preserved in a crystal ball. With its cobblestone streets effortlessly transporting you to a world that was much simpler yet none the poorer with regard to culture and the arts, the Greek capital is sure to leave an indelible impression on anyone's mind. When in Athens, you must visit the Acropolis, the Parthenon, and the ancient Greek temples. With its lively nightlife, the city strikes a delicate yet charming balance between the ancient and the modern.

London, The United Kingdom

Having been the epicentre of some of history's greatest battles and developments, the city of London has gone through drastic transformations during its time on earth. When in London, you must visit the medieval cathedrals and museums, eat at the small cafés, and walk by the banks of the Thames. The city has tourist destinations galore, including Big Ben, the Tower Bridge, Westminster Abbey, the Millennium Bridge, the London Eye, etc. The other cities that you can consider visiting in Europe are Florence, Seville, Venice, Prague, Budapest, Barcelona, Dublin, Berlin, Amsterdam, and Reykjavik.

Best Time to Visit Europe

The best time to visit Europe is from June to September when it is summer in the continent. During these months, the temperatures in most European cities hover below 18 degrees Celsius, making it an ideal time to visit the continent's beaches and mountains alike.

During the summer months, there are several cultural festivals in various countries of Europe which witness a high amount of tourist footfall. September to November is also a good time to visit Europe since these are the months of fall and have temperatures between 7 and 14 degrees Celsius.

Plan your trip to Europe today and secure your international journey by selecting a travel insurance Europe plan from TATA AIG Insurance. With our excellent range of international travel insurance plans, you can opt for the best travel insurance for Europe, starting at just ₹40.82 per day.

You can check out our Europe travel insurance plans here. Visit our website to know more about the best travel insurance for Europe from India.

All the information mentioned above is well-researched and sourced from reliable sources. Since this information is subject to change*, it is advisable to check the latest travel guidelines and other location-specific information before planning a trip to any location.

*Subject to change based on the destination, and nature and extent of the coverage.

Other Destinations

Disclaimer / tnc.

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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How can i get a travel insurance europe plan.

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You can buy travel insurance for Europe by visiting our website and selecting international travel insurance under the products section. Enter the necessary personal information and select the coverage you want on the following page. There is an option to add some additional covers to your Europe travel insurance plan, including:

  • A Medical cover
  • A Baggage cover

After selecting the coverage for your Europe travel insurance plan, you can complete the policy purchase by making the payment online. You will instantly get the policy document in your email inbox.

How much should I pay for a travel insurance Europe plan?

The cost of your travel insurance plan for Europe depends on various factors, including the sum assured you opt for and the nation you are buying travel insurance coverage for. If your visit to Europe includes your family, it is advisable to choose a high sum assured for your travel insurance Europe plan so as to have sufficient insurance coverage for all the members of the travelling party. You can buy Tata AIG travel insurance for Europe, starting at just ₹40.82 per day.

Is it mandatory to buy a medical travel insurance Europe plan?

Yes, it is mandatory to buy medical travel insurance for Europe as it is one of the conditions for applying for a Schengen Visa and entering Europe. Therefore, you must select a suitable medical travel insurance Europe plan and ensure that your Euro trip is financially safeguarded against a variety of potential adverse events.

By opting for the Tata AIG Europe travel insurance plan, you can have access to extensive travel insurance coverage at a feasible price. Check out our travel insurance plans for Europe now and secure your trip to Europe in a few quick and easy steps.

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2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

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Travel Guard ®

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TRAVEL GUARD

Travel alerts.

Please be advised that the military conflict between Russia and Ukraine may impact travel insurance coverages and benefits, and AIG’s ability to provide certain travel-related assistance services, for travel to, from or within the affected areas.

Now with COVID-19 cover

Travel Guard is now enhanced with COVID-19 coverage. Better coverage, same great service and experience.

As you look forward to travelling again, you can travel confidently with AIG's Travel Guard for your next getaway.

Our wholly owned assistance centers are equipped to assist you 24 hours a day, 7 days a week.

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Single trip coverage.

The maximum length of each insured trip is 182 days.

ANNUAL COVERAGE

The Insured Policyholder(s) will be covered for an unlimited number of trips made during the Policy Period. The maximum length of each insured trip is 90 days

POLICY TYPE

The policy type shows which people are insured under the policy. You can choose from either Individual or Family cover.

If you choose Individual cover this policy insures you only.

If you choose Family cover this policy insures you and/or your spouse and/or your children.

• Under a Per Trip policy, the family must depart from and return to Singapore on the same itinerary together as a family for cover to apply.

• Under an Annual Multi-Trip policy, cover will apply to you or your spouse whilst travelling separately of each other; however your children must be accompanied by you and/or your spouse for the entire trip for cover to apply.

GROUP/ COUPLE

Select this option if you have individuals travelling together on the same dates and to the same destination.

For group/ couple up to a maximum of 50 individual policies on the same transaction.

Zone 1  Destinations

Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand, Vietnam

Zone 2   Destinations

Zone 1, Argentina, Australia, Bahrain, Bangladesh, Belize, Bolivia, Brazil, Chile, China (excluding Tibet), Colombia, Costa Rica, Ecuador, El Salvador, Guatemala, Guyana, Honduras, Hong Kong SAR - China, India, Japan, Kuwait, Macau SAR - China, Maldives, Mexico, Mongolia, New Zealand, Nicaragua, Oman, Pakistan, Panama, Paraguay, Peru, Qatar, Sri Lanka, Suriname, Taiwan - China, United Arab Emirates, South Korea, Uruguay, Venezuela

Zone 3 Destinations

Zone 1, Zone 2, Nepal, Tibet - China, Rest of the World

AIG Asia Pacific Insurance Pte. Ltd. will not cover any loss, injury, damage or legal liability arising directly or indirectly from travel in, to, or through Cuba, Iran, Syria, North Korea, and the Crimea region.

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Enjoy world-class travel protection with worldwide coverage

AIG’s Travel Guard helps keep unexpected problems off your itinerary with 24/7 worldwide assistance. From minor inconveniences to major emergencies, we are prepared for what may go wrong, so you can enjoy your holiday.

COVID-19 Coverage

Key benefits.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites ( www.AIG.sg  or  www.gia.org.sg  or  www.sdic.org.sg ).

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"AIG’s Travel Guard includes coverage for COVID and in my view, is the best in value travel insurance product. The process of application and payment were seamless." Azman B, Dec 2021

"i have purchased aig travel insurance for many years and i feel secure when i travel with this policy." devanathan t m, aug 2021, "i absolutely love everything about aig and had a fantastic experience" justin l, oct 2021.

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Travel insurance that meets your needs

Millions of travelers rely on Travel Guard® travel insurance from AIG UAE, to help them recover from unexpected circumstances that can interrupt their travel plans. Travel Guard® is a comprehensive insurance plan that caters to travelers worldwide.

Platinum Plan

Silver plan.

Our most comprehensive travel insurance plan going above and beyond Schengen visa requirements.

  • Up to $500,000 Emergency Medical Expenses
  • COVID-19 Medical Expenses up to $250,000
  • Baggage Loss or Damage up to $2,500
  • Trip Cancellation up to $5,000
  • Up to $1,000 in Travel Delay Cover
  • Emergency Family Travel up to $2,500
  • Secure Wallet up to $1,000 in Credit Card Fraud
  • 24h Worldwide Assistance Services

Our most popular travel insurance plan covering Schengen visa requirements.

  • Up to $100,000 Emergency Medical Expenses
  • COVID-19 Medical Expenses up to $100,000
  • Baggage Loss or Damage up to $1,000
  • Trip Cancellation up to $2,500
  • Up to $500 in Travel Delay Cover
  • Secure Wallet up to $500 in Credit Card Fraud

Our basic travel insurance plan covering Schengen Visa requirements.

  • Up to $50,000 Emergency Medical Expenses
  • COVID-19 Medical Expenses up to $50,000

Why AIG Travel Guard ® ?

aig europe travel insurance

Schengen Visa Compliant

All our three travel Insurance plans (Silver, Gold & Platinum) are Schengen Visa Compliant.

aig europe travel insurance

Exceptional Price Tag

Whether you are heading near or far, our annual & single trip covers comes at an affordable price letting you get on with your holiday.

aig europe travel insurance

Cover Plans To Suit You

AIG offer 3 types of Travel insurance cover plans with optional additions to ensure that we have a policy to match your needs.

aig europe travel insurance

Covid-19 Covered

  • COVID-19 Medical Expenses up to $250,000 under Platinum plan
  • COVID-19 Medical Expenses up to$100,000 under Gold plan
  • COVID-19 Medical Expenses up to$50,000 under Silver plan.
  • USD 150 per day, per person for up to 14 consecutive days if you test positive for COVID-19 and are unexpectedly placed into mandatory quarantine while overseas.

Enjoy a worry-free holiday with a comprehensive travel insurance from AIG UAE

Pick up a travel policy and explore more with our fantastic cover that provides a range of benefits.

Get Your Travel Insurance in Dubai, Abu Dhabi & The Rest of Emirates Online From AIG UAE

24/7 worldwide support.

Whenever you need us, our 24/7 emergency assistance helpline are here to help as standard.

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Enter details about the trip.

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Choose the Silver, Gold or Platinum plan.

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Review & Pay

Pay online, and the system will successfully issue the policy.

What is AIG Travel Insurance?

AIG Travel Insurance is insurance that is designed to protect your health, belongings and the cost of your trip should anything go wrong while you are abroad or in some cases before you leave.

Travel Guard FAQs

What is travel guard.

Travel Guard is a travel insurance product, underwritten by American Home Assurance Co (Dubai Branch) a subsidiary of American International Group, Inc (AIG). Travel Guard provides coverage in case of unforeseen circumstances that may force you to cancel or shorten your trip or seek emergency medical treatment while traveling. Your travel insurance also offers coverage for the loss or delay of your baggage, in addition to many other benefits described in the policy, which you can review before making your purchase. All coverage is subject to the policy terms and conditions.

How do I buy a Travel Guard policy?

You can buy a Travel Guard policy via  www.aig.ae .

Who is eligible to be covered under a Travel Guard policy?

Individuals in the age bracket from 3 months to 74 years and 364 days who are residents or citizens the United Arab Emirates.

Is there a special rate for children?

Yes. There is a 50% reduction on standard rates for a person aged between 3 months and 17 years and 364 days.

Does the Travel Guard policy cover a family traveling together? How is family defined?

Yes. There is a family rate under the Travel Guard policy. Family is defined as insured person, his/her spouse, and unlimited number of their children.

What is the Annual Multi Trip option?

The Annual Multi Trip option covers you for one-year period for unlimited number of trips, but each trip should not exceed 90 days.

Who do I contact for an emergency assistance or if I need to be admitted to a hospital while overseas?

For 24-hour emergency assistance or if you need to be admitted to a hospital, please contact  +1 (817) 826 7276  and quote your policy number.

Can I amend my policy?

Yes, the Travel Guard policy can be amended in special cases, but amendment can only be made prior to the departure of the first part of the journey.

Do I have to carry a copy of my certificate of insurance with me while traveling?

No, you don't need to carry a copy of your certificate of insurance with you. All you need is your policy number which can be found on your certificate of insurance.

What do I do if I lose my certificate of insurance?

Please  Click here  to download your certificate of insurance.

When does my coverage begin?

For Trip Cancellation:

  • For a single trip policy, cover starts at the time that you book the trip or pay the premium, whichever is later;
  • For an  annual multi trip policy  cover starts at the time you book a trip, or the effective date shown on the certificate of insurance, whichever is later.

For other benefits, coverage begins when you leave your country of residence. The initial departure point has to be from the United Arab Emirates.

How will my out-patient medical expenses be paid ?

The medical expenses incurred will be reimbursed to you subject to policy T&Cs. Please retain all original medical bills/invoices, medical reports, and laboratory tests (if applicable) and submit them as part of your claim.

Does the Travel Guard policy cover sports and other similar activities?

Travel Guard policy offers an optional coverage for hazardous & winter sports with 100% loading on standard rates.

Can I cancel my trip for any reason and get all my money back under the “Trip Cancellation” Benefit?

The Trip Cancellation Benefit provides coverage for specific reasons as described in your policy terms and conditions and reason for cancellation should be amongst those reasons for the claim to be covered.

Can I buy a Travel Guard policy, if I have a pre-existing medical condition?

Yes. However, Travel Guard policy has an exclusion for pre-existing medical conditions as detailed in the policy wording.

Does “Baggage & Personal Effects” benefit cover theft?

Yes, Travel Guard policy covers theft (and damage due to an attempted theft) as long as incidence occurs while travelling outside of your country of residence and within the period of insurance as stated in your certificate of insurance. Please refer to the Terms & Conditions of the Travel Guard policy to know more on this benefit.

How do I report a claim?

You can submit your claim online by clicking  here

Alternatively, you can contact our local office with the below contact details:

How long is the claim processing time?

Claims will be processed within 7 working days after you have submitted all the required documentation.

Can I cancel my Travel Guard policy?

Yes, provided it is before the policy effective date as stated in your certificate of insurance and there is no claim registered under your policy.

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The right insurance cover for your trip.

Protect your trip with the insurance cover of our partner AIG. Our individual insurance packages already include all the important Covid-19 benefits and so protect you comprehensively even in the event that you fall ill with Covid-19.

aig europe travel insurance

With our insurance partner AIG Europe S.A. we offer you two individual packages for your protection. These can be purchased partly during booking and partly after booking. 

Please note:

to use Cash & Miles, redeem promotional codes or take out insurance – use your computer, notebook or your tablet for your request.

AIG Travel Care

The insurance package Travel Care is valid in connection with a flight booking and, in addition to travel cancellation and travel interruption insurance, also includes additional Covid-19 benefits such as a compensation payment should you have to go into quarantine because of a Covid-19 infection at your destination.

  • Travel cancellation insurance
  • Travel interruption insurance
  • Refund of hotel accommodation and rebooking costs due to quarantine
  • Pre-travel information and assistance in the event of any entry problems related to Covid-19
  • Costs dependent on travel dates

AIG Travel Care Plus

In addition to the benefits of Travel Care, medical expenses are also covered in the Plus package in the event that you fall ill with Covid-19. Any medical emergency return transport is covered as well.

  • Medical assistance and worldwide access to German- and English-speaking doctors
  • Cover for medical expenses in connection with a Covid-19 infection or treatment abroad, incl. return transport

Terms and conditions of insurance

The insurance packages AIG Travel Care and AIG Travel Care Plus can be booked with the Lufthansa Group insurance partner AIG Europe S.A. via the direct sales channels for passengers residing in Germany, Austria, Switzerland, Belgium, France, Spain, Italy, the Netherlands and Portugal*.

* Customers receive different products when making bookings involving Denmark, Finland, Greece, Ireland, Kuwait, Norway, the Netherlands, Poland, Portugal, Romania, Sweden, South Africa, the Czech Republic, Hungary, the United States of America, and the United Arab Emirates.

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Digital services

With our digital services, you can take care of the most important things for your upcoming trip while you are still at home.

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Travelling safely

We are doing our utmost so that you can travel safely without having to worry. You can find an overview of our guidelines for travelling safely and other services here.

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Entry requirements

You will find the regulations for your destination here after entering your departure and destination airports.

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Travel Insurance

Travel insurance for Europe: Coverage and policies for 2024

Erica Lamberg

Heidi Gollub

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:30 a.m. UTC Nov. 27, 2023

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  • A trip to Europe often requires hefty prepaid and nonrefundable deposits to secure flights, hotels and tours. Travel insurance protects these outlays if you cancel your trip for a covered reason.
  • Many U.S. health insurance plans don’t provide coverage in foreign countries, making a travel insurance plan with medical expense benefits important for trips to Europe.
  • The best travel insurance for Europe will package together different types of coverage, including trip cancellation, trip delay, trip interruption, travel medical, emergency medical evacuation and baggage insurance.   

Planning a trip to Europe is exciting, but can also be expensive. Your itinerary may include visits to several European countries, and you can quickly rack up prepaid and nonrefundable expenses for flights, hotels, excursions, tours and experiences. 

Travel insurance can give you peace of mind that you’ll be financially protected if things go wrong before or during your trip. But plans differ, so it’s important to pay attention to included coverages, limits and exclusions when choosing your insurance for travel to Europe. 

Do I need travel insurance for Europe?

Travel insurance is not required for entering Europe. “But it is a very important consideration for a number of reasons,” said Scott Adamski, spokesperson for AIG Travel.

In addition to protecting your trip deposits if you need to cancel, Adamski said an important reason to secure a travel insurance policy relates to health care coverage for U.S.-based travelers headed to Europe. 

“In a surprise to many, their U.S.-based health insurance policy may not provide coverage, or may provide limited coverage, when they’re traveling out of the country,” said Adamski. 

“Medicare also may not provide coverage outside the U.S. (for older Americans) and there may be restrictions/limitations on medical benefits when traveling abroad,” he said. “In short, it’s vital to review your existing health care coverage before traveling.”

To make sure you’re covered financially if things go awry before or during your European vacation, look for a travel insurance plan that includes travel medical benefits as well as coverage for trip cancellation, trip delay, trip interruption, emergency medical evacuation and baggage delay or loss. 

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RoundTrip Basic

Average cost for plan with CFAR

CFAR coverage

75% of trip cost

Trip cancellation insurance for travel to Europe

If you’ve booked a trip to Europe, you’re probably thinking, why would I cancel my dream vacation? 

“No one plans to cancel a trip, but sometimes there are circumstances beyond our control — you suffer an injury before your trip, circumstances at your job change or your flight is canceled due to severe weather at your destination,” said Shannon Lofdahl, spokesperson for Travelex Insurance Services. “Trip cancellation and interruption coverage reimburses you if your trip is canceled or interrupted for a covered reason,” she said.

In general, covered reasons for trip cancellation insurance benefits include:

  • Death of an immediate family member or a travel companion.
  • A serious illness or injury to you, a close relative or a travel companion.
  • A sudden and serious family emergency.
  • An unexpected job loss or layoff.
  • Unplanned jury duty.
  • Severe weather.
  • Your travel supplier is going out of business.
  • A national transportation strike.

So, if three days before your trip to Vienna, Austria, your husband has a heart attack, you can cancel your trip and receive 100% of any prepaid and nonrefundable trip outlays.

It’s important to note that not all reasons to cancel will be covered by your travel insurance policy. For example, if you see a rainy weather forecast in Barcelona or get nervous to travel to Paris because you learn about a rise in petty crimes there, these are not covered reasons.

If you want the highest level of flexibility to change your travel plans, consider adding “ cancel for any reason ” (CFAR) coverage.

CFAR is an upgrade to a basic travel insurance plan that may boost the price of your policy by about 50%, but will give you the latitude to cancel your trip for any reason as long as you cancel at least 48 hours before your scheduled departure. If you meet all the requirements of your plan, you can expect to be reimbursed for 75% — or 50%, depending on the plan — of your prepaid, nonrefundable trip costs.  

Trip delay insurance

Delays are an expected part of traveling these days, especially while traveling abroad, and that fact has emphasized the importance of trip delay coverage, said Lofdahl. “A short delay probably won’t cause you too much stress, but longer delays can mean missing connecting flights.”

Trip delay coverage can reimburse you for costs you incur as a result of a travel delay, as long as the delay was caused by a reason in your policy documents. Severe weather, airline maintenance issues or a security breach at an airport, for instance, are typical reasons covered by trip delay insurance.     

Most policies have a waiting period before your trip delay benefits begin, such as six or 12 hours. If you meet the criteria outlined in your travel insurance policy, you can expect to be reimbursed for a meal, hotel room, taxi fare and a few personal care items to tide you over for the delay, up to the limits in your plan.  

Be sure to hold onto your receipts as you will be asked to submit this documentation when you file a trip delay claim.

DOT rules : What you’re owed when your flight is canceled or delayed may be less than you think

Trip interruption in Europe

No one wants to end their trip early, especially when it’s a long-awaited European vacation, but unexpected issues can arise, said James Clark, spokesperson for Squaremouth, a travel insurance comparison site.

If there is an emergency back home that is covered by your travel insurance plan, such as a critically ill parent, or if you suffer an injury while traveling in Europe and need to cut your trip short, your policy’s trip interruption insurance can provide financial assistance. 

You can file a trip interruption claim to recover any prepaid, unused and nonrefundable trip costs you lose because of your unexpected early departure. Your benefits will also typically cover a last-minute one-way economy flight home, and transportation to the airport.

Keep in mind, however, not all reasons to end a trip early will be covered. For example, if you miss your new kitten or have a fight with your partner while in Budapest, and want to go home, these are not covered reasons. You will have to pay your own way home and can’t file a claim for losses.

Americans will have to get travel authorization to enter Europe

Currently, Americans don’t have to worry about getting a visa to travel around Europe. However, that will change in mid-2025. That’s when the European Travel Information and Authorisation System (ETIAS) goes into effect, requiring people traveling from visa-exempt countries like the United States to get authorization for travel to 30 European countries.

Once applications open up, you will be able to apply on the official ETIAS website or mobile app. You’ll need your passport information to apply, and it will cost 7 euros to process the application. For those who don’t get immediate approval, the decision process could take up to 30 days. 

Once approved, your ETIAS travel authorization will be attached to your passport. It will be valid for three years or until your passport expires, whichever happens first. 

A standard travel insurance policy won’t cover you if you don’t get your ETIAS travel authorization in time for your trip, or your ETIAS application is rejected. It will be important to apply for ETIAS early, in case there’s a delay or you need to appeal if you’re denied a visa.

If you have “cancel for any reason” (CFAR) coverage you could cancel your trip if your visa doesn’t get approved in time, but you’d need to cancel at least 48 hours before your trip to file a CFAR claim for reimbursement.

Travel medical insurance for Europe

Don’t assume your health insurance applies outside the United States. “Many [domestic health insurance] plans won’t cover you if you become ill or injured traveling in Europe or any other country outside the U.S., and, without travel protection, you would be responsible for all the medical expenses,” said Lofdahl with Travelex.

For instance, if you twist your ankle while touring in Rome, your travel insurance can cover the cost of seeing a doctor, getting X-rays, buying prescription medication and staying in the hospital if deemed necessary. Without this coverage, you are responsible for any medical expenses. 

The average cost of travel insurance is between 5% and 10% of the total price of your trip. This can be worth it for the medical benefits alone when traveling in Europe.

Travel insurance plans also typically include travel assistance, which can help if you get sick or injured in Europe. “This benefit offers a range of 24/7 services while you’re traveling — from assistance finding a covered health care provider to helping with replacing lost or stolen passports,” said Lofdahl. These services can also assist with translation services.

Emergency medical evacuation

Depending on where in Europe you’ll be visiting, you might be far from a medical facility adequately equipped to treat severe illnesses and injuries. 

“For this reason, travelers with underlying medical conditions might wish to consider additional medical evacuation coverage for certain costs associated with transportation, to either the nearest recommended medical facility or back home,” said Adamski with AIG Travel.

Also, he explains, many countries in Europe — particularly in the mountainous regions — offer adventure sports for visitors. “In the warmer months, the outdoorsy types who aren’t biking might pursue mountain climbing, available through a wide range of treks and climbs for beginners and advanced climbers alike. In the winter, of course, ski enthusiasts from around the world visit a number of European countries for their access to great snow, luxurious accommodations and challenging runs,” Adamski said.

Unfortunately, accidents can happen when mountaineering, regardless of the time of year. Having a travel insurance plan can provide financial protection in the event of medical or evacuation losses, he said.

As an example, said Adamski, a policyholder might need to return to the U.S. after a skiing injury and may need accommodations such as a lay-flat seat or a row of seats to stretch out a broken leg. 

“A travel insurance provider, with on-staff doctors and medical coordinators, are invaluable in assisting with medical needs in foreign countries and coordinating with airlines to get injured travelers back home. Such arrangements are remarkably expensive, ranging from $20,000 easily into the six figures,” he explained.

Medical evacuation coverage could help cover these costs, and, in AIG Travel’s travel protection plans, said Adamski, this is complemented by access to an entire medical team dedicated to consulting with the local medical providers, working with you or your family to confirm what’s in your best interests as a patient and making the necessary arrangements to get you where you need to be.

When budgeting for a trip, even the most thorough planners rarely consider a contingency that includes a five- or six-figure emergency medical evacuation, said Adamski. “To be suddenly faced with a bill like that could be devastating. Also, the expertise of the medical staff that would be helping to coordinate such an evacuation could (literally) be a lifesaver,” he said.

Clark with Squaremouth notes that travelers heading to Europe should look for policies with at least $100,000 in medical evacuation coverage. However, if a traveler is doing more remote activities, such as backpacking through the Swiss Alps or exploring the Scandinavian wilderness, “We recommend at least $250,000 in medical evacuation coverage,” he said.

Travel insurance coverage for baggage and belongings

Lofdahl with Travelex said that the return to travel has been wonderful, but the labor shortage has brought some challenges to the industry. “Delayed and lost baggage is one that most people heard about last year and into this year,” she said. “Every airline experienced increases in lost and delayed baggage, and some even had triple the number of lost and delayed bags as they did in the same period in 2021. I can tell you from experience that this can impact your trip.”

European travel generally can include connecting flights which can increase the likelihood that your luggage can be misdirected or lost.

If your luggage decides to vacation in Madrid instead of Athens, you can file a claim with your travel insurance company. Just be sure to get a report from your airline carrier first.

You may also be able to file a claim for delayed luggage. Depending on your plan, you can purchase a few items to tide you over until your bags arrive at your destination, like a swimsuit, some toiletries and a change of clothes. Just be sure to keep any applicable receipts.

Your travel insurance plan may also reimburse you for other personal effect losses while on your vacation. For example, if your camera gets stolen while touring Copenhagen, or if your leather jacket is swiped while in Milan, you can file a claim. But first, you’ll need to file an incident report with your tour leader, hotel manager or local law enforcement. You will be asked for this documentation during the claim process. 

It’s very important to read your travel insurance documents carefully so you understand the scope of your benefits. There are often per-item limits and caps for coverage, rules about how depreciation will affect your reimbursement levels and exclusions which won’t be covered. For instance, lost or stolen cash isn’t reimbursable, and many high-ticket items like heirloom jewelry and designer watches are often excluded from coverage.

Baggage loss insurance is also typically secondary coverage, meaning it comes into play only after you’ve filed for reimbursement from your airline or homeowners insurance (in the event of theft).

Frequently asked questions (FAQs)

Buying a travel insurance policy for Europe isn’t required, but it is a smart way to financially protect your trip investment and to ensure you have medical coverage while traveling abroad. 

“Just because it’s not required doesn’t mean it’s not a good idea. Unexpected medical bills can be costly, and an unforeseen emergency evacuation or repatriation back home to the U.S. or Canada can climb to tens of thousands of dollars,” said Terra Baykal, spokesperson with World Nomads.

Travel insurance also provides trip cancellation benefits, which can help you recoup the cost of trip deposits. “Travel insurance may reimburse you for your missed nonrefundable, prepaid travel arrangements like hotels, flights and tours, if you need to cancel for a covered reason, like the death of an immediate family member, or your last-minute illness or injury,” said Baykal.

It’s also important to find an insurer who will cover you for all the activities you plan to pursue in Europe. So if skydiving in Switzerland, paragliding in Greece or ziplining in Croatia is in the cards, make sure your insurer covers your more adventurous pursuits, said Baykal. 

World Nomads automatically covers more than 150 adventure activities and sports for U.S. residents without the need for an additional adventure activities rider. 

While not required to enter Europe, a travel insurance policy with emergency medical coverage is a good idea when traveling to Europe, said Baykal of World Nomads.

Many U.S.-based health insurance providers offer no coverage abroad, or very limited global benefits. If your domestic health insurance doesn’t provide adequate coverage outside of the U.S., buying travel medical insurance for Europe is recommended.

Whether your health coverage travels with you outside the U.S. depends on your Blue Cross Blue Shield plan. Check with your carrier to determine the scope of your travel medical insurance . 

According to Blue Cross Blue Shield, travelers should refer to their Certificate of Coverage and riders and also call customer service to find out about limitations to travel coverage.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Erica Lamberg

Erica Lamberg is a regular contributor to Fox News, Fox Business, Real Simple, Forbes Advisor, AAA and USA TODAY. She writes about business, travel, personal finance, health, travel insurance and work/life balance. She is based in suburban Philadelphia.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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The best travel insurance policies and providers

Katie Genter

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

aig europe travel insurance

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

  • You purchase the plan within 15 days of your initial trip payment.
  • The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
  • You must be medically able to travel when you purchase your plan.

Standout features

  • The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
  • You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
  • Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

aig europe travel insurance

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

aig europe travel insurance

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

  • You purchased the policy within 14 days of the date of the first trip payment or deposit.
  • You were a U.S. resident when you purchased the policy.
  • You were medically able to travel when you purchased the policy.
  • On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
  • Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
  • Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
  • For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

aig europe travel insurance

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

aig europe travel insurance

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

  • You must be medically able to travel at the time you pay the policy premium.
  • You pay the policy premium within 14 days of making the first covered trip deposit.
  • Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
  • Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
  • American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

aig europe travel insurance

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

aig europe travel insurance

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

aig europe travel insurance

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

  • GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
  • GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

aig europe travel insurance

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

aig europe travel insurance

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

  • Some annual multi-trip plans are modestly priced.
  • iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

aig europe travel insurance

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

  • You purchase the plan within 15 days of the initial trip payment.
  • The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
  • All insured individuals are medically able to travel when they pay the plan cost.
  • The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
  • Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
  • Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
  • For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

aig europe travel insurance

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

aig europe travel insurance

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

  • You buy this plan within 20 days of making your initial trip payment or deposit.
  • You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
  • You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
  • Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
  • You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
  • Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

aig europe travel insurance

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

  • World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
  • World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

aig europe travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

aig europe travel insurance

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

aig europe travel insurance

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

  • Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
  • Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
  • Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
  • Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
  • Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
  • Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
  • Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
  • Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

aig europe travel insurance

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

aig europe travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

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AIG Travel Insurance Europe

A complete travel protection that covers flight delay, trip cancellation, 24/7 worldwide assistance & more.

Travel Insurance for Europe

Each season in Europe offers visitors a different ambience and experience, so it’s a popular destination choice for 365 days of the year. From Italy’s Colosseum and Vatican City, to France’s Eiffel Tower and gothic Notre Dame Cathedral, Europe packs a myriad of getaways that can fulfil hearts yearning to explore archaeological sites. Whether you are searching for museums in Athens; a culinary vacation in Florence; skiing in Gstaad; or being surrounded with sand and beaches in Malta, Europe has it all and it’s just waiting to be discovered. If you are on a shopping expedition, you’ll get better bargains at family businesses and restaurants off the main roads as they tend to be cheaper. You’ll find cheese, wine and bread ridiculously cheap, providing good sustenance during your journey and a new culinary experience compared to back home.

Tipping is appreciated for most services but not required, so tip only when you feel that exceptional service has been rendered to you. Public transportation in Europe is amazingly good, so you can plan your mode of transport according to your destination, and take a break from the driving culture of Malaysia by experiencing some breathtaking train journeys. A popular way to travel Europe is through backpacking, but do take note that some of these European countries belong to the Schengen Area, which only allows citizens within the area to move and travel freely without valid documents. Therefore, before going overseas, check if you require a Schengen visa to enter these countries. While you’re online, also verify if there are any Schengen travel insurance requirements you need to be covered by.

aig europe travel insurance

Why do you need Travel Insurance to Europe?

Is travel insurance mandatory for Europe? To facilitate an accurate answer, it is important that you check with the embassy of your preferred destination. The cost of travel insurance to Europe and all Schengen countries can also vary. To ensure that your holiday is fuss-free from unexpected events, it is best to get travel insurance that takes care of health and medical aspects for the whole time you’re in Europe. AIG also provides comprehensive cover for any flight delays, baggage that is lost or damaged, or stolen personal belongings due to negligence of service providers. You can be rest assured that we’ll ‘Jaga’ you by reimbursing the costs and by ensuring that you won’t need to worry about these inconveniences.

Buy Travel Insurance for Europe with AIG

From as low as RM45, you’ll find that purchasing AIG travel insurance is fast and easy with just a few clicks, using our online quote to calculate your plan. With AIG travel insurance, you are protected even if you encounter any trip cancellation or interruption based on reasons covered under our policy. You will be reimbursed seamlessly for your convenience.

Our benefits include:

Comprehensive coverage

Besides overseas emergency medical expenses, medical evacuation costs and personal accident coverage, AIG will provide cover if you are forced to cancel or cut short your trip for reasons covered under our policy. Any flight departure delays, baggage delays, baggage damage or loss, personal items damage or loss due to theft or negligence by service providers, AIG will cover for you.

Medical & Personal Accident Cover

Depending on the plan and product purchased, AIG will cover up to unlimited medical expenses and up to RM 500,000 for personal accidents in Europe. Our travel assistance team is on call by phone 24/7 to assist you in any emergency situation, ensuring that you receive appropriate medical care in Europe.  

Trip Cancellation Cover

AIG will reimburse you for non-refundable expenses incurred if your trip to Europe is cancelled due to specific events, within 60 days before your departure date.

Natural Disasters

If natural disasters occur in Europe such as earthquakes, floods or volcano eruptions, AIG will pay for expenses caused by these travel inconveniences.

Travel Inconvenience

If you experience travel inconveniences such as delays, loss or damage to your personal belongings, including your checked-in baggage, you will be covered by AIG.

AIG Global Assistance Service

Our 24-hour Emergency Assistance Team delivers fast and efficient aid if you are injured during an accident or if you are ill, requiring hospitalization in Europe.

Helplines during emergency in Europe

aig europe travel insurance

If you are insured with AIG when you travel in Europe, keep our 24/7 contact no.  603-27725600  with you at all times to process claims and medical emergencies.  

aig europe travel insurance

Dial  112  for police, ambulance and fire.  

aig europe travel insurance

With 44 countries in Europe, click on the link below to find the relevant Malaysian Embassy or Consulate for contact details in Europe:

http://www.kln.gov.my/web/guest/malaysian-mission

Secure your journey to Europe with peace of mind. Get your travel insurance now! For more information about our other insurance products, click  here

Want to know more about AIG Travel Insurance?

Read in detail about:  

- 24/7 Travel Assistance Service

- Download & Claims

Tel: 1800 88 8811

Email:  [email protected]

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

12 Best Travel Insurance Companies of March 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

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Travelex Insurance Services »

aig europe travel insurance

Allianz Travel Insurance »

aig europe travel insurance

Seven Corners »

aig europe travel insurance

World Nomads Travel Insurance »

aig europe travel insurance

AXA Assistance USA »

aig europe travel insurance

AIG Travel Guard »

aig europe travel insurance

Generali Global Assistance »

Berkshire Hathaway Travel Protec... »

aig europe travel insurance

HTH Travel Insurance »

aig europe travel insurance

Trawick International »

aig europe travel insurance

Tin Leg »

aig europe travel insurance

Nationwide Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance Companies.

Table of Contents

  • Rating Details
  • Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation if plans go awry. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

  • Travelex Insurance Services: Best Overall
  • Allianz Travel Insurance: Best for Cancel for Any Reason Add-on
  • Seven Corners: Best for 24/7 Support When Traveling
  • World Nomads Travel Insurance: Best for Adventure Travelers
  • AXA Assistance USA: Best for Coverage of Luggage and Personal Items
  • AIG Travel Guard: Best for Cruise Insurance
  • Generali Global Assistance: Best for Emergency Situations
  • Berkshire Hathaway Travel Protection: Best for Flight Insurance
  • HTH Travel Insurance: Best for Groups
  • Trawick International: Best for Vacation Rental Insurance
  • Tin Leg: Best for Budget-Friendly Plans
  • Nationwide Insurance: Best for Last-Minute Travel Insurance

Best Travel Insurance Companies in Detail

Travelex ».

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

  • 100% of the insured trip cost for trip cancellation; 150% for trip interruption
  • Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
  • $750 in missed connection coverage
  • $50,000 in emergency medical and dental coverage
  • Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

  • Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
  • $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
  • Up to $1,600 for travel delays
  • Emergency medical coverage of up to $75,000
  • Epidemic coverage

Coverage for preexisting conditions

Cancel for any reason coverage costs extra

  • 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
  • Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
  • Trip delay and missed connection coverage worth up to $1,500
  • Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

World Nomads »

Adventure sports are covered at no additional cost

Explorer plan only promises up to $10,000 in trip protection

  • $10,000 in trip cancellation and trip interruption coverage
  • $3,000 in protection for lost, damaged or stolen baggage, tech equipment and various travel gear
  • Up to $3,000 in trip delay costs
  • $100,000 in emergency medical coverage

All plans include missed connection coverage

Premiums are on the higher end compared to other providers

  • Trip cancellation protection for 100% of the trip cost; 150% for trip interruption
  • Up to $3,000 for baggage that's been lost, damaged or stolen; $600 in bag delay coverage
  • Trip delay coverage worth $1,250
  • $250,000 in emergency medical coverage

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

  • Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
  • Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
  • Up to $1,000 in missed connection and trip delay coverage

Sporting equipment coverage is included in the company's mid-tier plan

Coverage for those with preexisting conditions is only available on the Premium plan

  • 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
  • $2,000 in coverage for loss of baggage per person
  • $1,000 per person in travel delay and missed connection coverage
  • $250,000 in medical and dental coverage per person

Berkshire Hathaway Travel Protection »

All plans include 24/7 travel assistance that can aid in finding or replacing lost luggage and assist with lost or stolen wallets, tickets and passports

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

  • Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
  • $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
  • Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
  • Medical coverage worth up to $50,000

Generous coverage at the mid-tier level

Preexisting conditions coverage is only available at mid- and high-tier plans

  • 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
  • Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
  • Up to $2,000 in coverage for trip delays; $1,000 for missed connections
  • $500,000 in coverage per person for sickness and accidents

Generous coverage among the plans for trip cancellation and interruption

Determining the right plan may be overwhelming, with 15-plus options to choose from

  • 100% for trip cancellation (up to $100,000); 150% for trip interruption (up to $150,000)
  • Up to $2,500 for lost, damaged or stolen bags; up to $600 for luggage delays
  • Up to $3,000 for trip delays; $1,000 for missed connections
  • Up to $250,000 for emergency medical expenses

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

  • 100% trip cancellation protection; 150% trip interruption
  • $500 per person for lost, stolen or damaged baggage and personal items
  • Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
  • $100,000 per person in emergency medical coverage, including issues related to COVID-19

Variety of plans to choose from

Limited trip cancellation coverage even at the highest tier

  • Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
  • $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
  • Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
  • $150,000 for emergency medical and dental issues

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong spring 2024 trip to Italy for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. (add text and link to checked luggage). This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

Travel insurance works similarly to other types of insurance, except that travel insurance intends to cover unforeseeable events. In most cases, you will pay a flat fee for a policy that covers an individual trip and all its components – like airfare, your accommodations and any prepaid excursions. However, if you travel more than a few times per year, and especially if your trips are on the pricey side, you can also buy an annual travel insurance policy.

Benefits vary among travel insurance providers and policies, meaning some travel insurance plans cover more scenarios than others, and some offer higher coverage limits as well. For example, some travel insurance policies might only offer trip cancellation coverage worth up to $2,500 per traveler, while others offer the same benefit worth up to $100,000.

With this in mind, travel insurance works like other insurance plans in the sense that you can buy a basic level of coverage or full coverage that will reimburse you up to incredibly high limits. The choice is up to you, and you should decide based on how much coverage you think you need to feel secure.

However, you should keep in mind that travel insurance cannot cover every potential situation you encounter before or during a trip. Many travel insurance policies list an array of exclusions you should know about, like war or preexisting circumstances. Several policies also offer named peril coverage that only covers the situations specifically outlined in your policy.

Travel insurance may cost anywhere from $50 to $1,500 or more. The cost of travel insurance varies depending on the age of the travelers in your group, the total cost of your trip and other factors. Travel insurance for seniors is typically more costly due to the increased likelihood of health-related issues. The total cost of your trip will also help determine the cost of your travel insurance plan since more expensive trips require higher coverage limits.

Interestingly enough, the length of your trip and the destination you are visiting will not typically affect the cost of travel insurance coverage. Further, your health may not be part of the equation either, and travel insurance companies even refrain from asking health questions when you apply for a travel insurance quote. This doesn't mean that preexisting conditions will be covered, however, so you'll want to check the details.

As an example, a few sample trip insurance quotes for a married couple who are both 40 and live in New York City are below:

  • Travel insurance for an eight-day trip to Florida with a purchase price of $3,500 might run about $85 to $385.
  • Travel insurance for an eight-day trip to Mexico with a purchase price of $5,000 could cost anywhere from $120 to $415.
  • Travel insurance for an eight-day trip to the United Kingdom with a purchase price of $7,500 may cost around $185 to $575.

The price of the plan you select will depend on how much coverage you want. Keep in mind, there are plenty of companies that offer affordable travel insurance plans if your main priority is getting a policy at a budget-friendly price. See the U.S. News list of the Cheapest Travel Insurance Companies .

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or World Nomads, but you can also shop and compare policies with a travel insurance platform. Popular options include:

  • TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
  • InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance, World Nomads Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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IMAGES

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  2. AIG Travel Guard Direct Travel Insurance Review 2023

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  3. AIG Travel Insurance: The Complete Guide

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  4. Buy Online For AIG Travel Insurance

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  5. AIG Annual Multi Trip Travel Insurance

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  6. AIG Travel Rolls Out Customizable Insurance

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COMMENTS

  1. Travel Guard Travel Insurance

    Coverage is offered by Travel Guard Group, Inc . (Travel Guard). California lic. no. 0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, www.travelguard.com. CA DOI toll free number: 800-927-HELP. This is only a brief description of the coverage (s) available. The policy will contain reductions, limitations, exclusions and termination ...

  2. AIG Travel Guard Insurance Review: What to Know

    Travel Guard Deluxe - The biggest benefits can be found in this highest level plan. Like the Preferred, you'll get 100% coverage for trip cancellation and 150% of the cost of your insured trip ...

  3. AIG Travel Insurance Review 2024

    Cons. The Travel Guard Deluxe plan has generous coverage but a high average cost compared to other top-rated policies. Medical expense coverage of $100,000 is on the low side, but might be ...

  4. Best Travel Insurance for a European Holiday

    European Health Insurance Card. The benefit of Ireland being in the EU means that as an Irish citizen you can apply for a European Health Insurance Card (EHIC). The EHIC allows you to get healthcare in another EU or European Economic Area (EEA) state for free, or at a reduced cost. It covers you if you are on holiday, or on a short-term stay.

  5. Travel Insurance Ireland

    AIG Travel insurance provides cover for the following Covid-19 related events: ... AIG Europe S.A. is an insurance undertaking with R.C.S. Luxembourg number B 218806. AIG Europe S.A. has its head office at 35 D Avenue John F. Kennedy, L-1855, Luxembourg. AIG Europe S.A., Ireland branch office has its registered branch office at 30 North Wall ...

  6. International Travel Insurance

    AIG Europe S.A. is an insurance undertaking with R.C.S. Luxembourg number B 218806. AIG Europe S.A. has its head office at 35 D Avenue John F. Kennedy, L-1855, Luxembourg. AIG Europe S.A., Ireland branch office has its registered branch office at 30 North Wall Quay, International Financial Services Centre, Dublin 1, D01 R8H7, and branch ...

  7. Travel Insurance

    Travel with more confidence knowing you have Travel Guard's Rental Vehicle Damage Coverage insurance plan. It's an affordable physical damage insurance plan for rental cars that may provide reimbursement for costs of repairs for damage to your rental car due to collision or vandalism, for example. Better yet, this rental car insurance plan ...

  8. Online Quote & Purchase

    To purchase this policy, you will need to mail Travel Guard a paper application for insurance, a Cuba Travel Compliance Certification (Travel Guard version) and, if you are traveling under a specific OFAC license, additional documentation. Please contact our sanctioned countries hotline at 866.375.2546 for forms and additional details.

  9. Travel Insurance

    Whether you're planning a two-day getaway, a cruise, an adventure vacation, or a month-long international holiday, our coverages are designed to your needs and budget. We offer insurance plans to cover travelers worldwide. Your plan can include coverage for car assistance, trip cancellations, medical expenses, emergency travel services, and more.

  10. AIG Travel Insurance: The Complete Guide

    Typically, travelers who elect to purchase Travel Guard Silver over Travel Guard basic can expect to pay around 2.5% more. Read the schedule of benefits here. Travel Guard Gold: The most popular plan offered by AIG Travel Guard, Travel Guard Gold balances insurance costs with benefits. The Gold plan offers more money for trip interruption (150 ...

  11. Single Trip Travel Insurance

    The Top Benefits of AIG Single Trip Travel Insurance. Get more out of your one-off trip with AIG's single trip travel insurance, exceptional cover at a price to suit any budget and destination. Get covered on a weekend away from as little as €6.44 [ 1 ]. [1] Cover for an individual aged 18-54 holding Private Health Insurance which provides ...

  12. Travel Guard

    AIG Europe S.A. is authorised to write general insurance throughout the European Union. Our office is at Kasarmikatu 44, 00130 Helsinki, Finland. In the same office works also our efficient claims departement and all together 60 emplyees. ... Travel Guard® is our marketing name for our travel insurance products. AIG co-operates with several ...

  13. AIG Travel Guard Insurance

    AIG travel insurance stands out for its wide variety of add-on options. ... our quote for a month-long vacation in Europe for two people costing around $5,000 came to around $300 with Travel Guard ...

  14. Travel Insurance For Trips To Europe

    Reimbursement is usually 50% or 75% of trip costs. To use this coverage you must cancel your trip at least 48 hours in advance. You can't wake up and cancel the trip the day you're scheduled ...

  15. Travel Insurance Europe

    Get benefits of buying a travel insurance for Europe from India like hijack cover, coverage for loss or delay of baggage, coverage for diagnosis and treatment for Covid-19, automatic extension for 60 days in case of hospitalisation. Read this Tata AIG overseas travel insurance page for more details.

  16. Basic Travel Insurance

    Our Essential Insurance Plan is a simple way to cover your travels on a budget. This plan includes family coverage - one Child age 17 and under, who is booked to travel with and is related to the primary adult named on the enrollment form, is included in the rates for each paying adult. (Offer does not apply to optional coverages.

  17. Travel Insurance

    Reliable and responsive claims. We pay S$30,000 in travel claims every working day. File online or call our claims hotline - our experts are ready to assist you. This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic ...

  18. Best Travel Insurance in UAE

    Our most comprehensive travel insurance plan going above and beyond Schengen visa requirements. Buy Now Online. Up to $500,000 Emergency Medical Expenses. COVID-19 Medical Expenses up to $250,000. Baggage Loss or Damage up to $2,500. Trip Cancellation up to $5,000. Up to $1,000 in Travel Delay Cover. Emergency Family Travel up to $2,500.

  19. Travel Care

    AIG Travel Care. The insurance package Travel Care is valid in connection with a flight booking and, in addition to travel cancellation and travel interruption insurance, also includes additional Covid-19 benefits such as a compensation payment should you have to go into quarantine because of a Covid-19 infection at your destination. Travel ...

  20. Travel insurance for Europe: Coverage and policies for 2024

    The average cost of travel insurance is between 5% and 10% of the total price of your trip. This can be worth it for the medical benefits alone when traveling in Europe. Travel insurance plans ...

  21. Worldwide

    AIG is a leading global insurance organization with member companies around the world that provide a wide range of insurance and other financial services. We are one of the world's most far-reaching property-casualty networks, and we're proud to be your partner in helping to protect the future of your business, future generations of your ...

  22. The best travel insurance policies and providers

    This plan is priced at $259 per year for one Florida resident. Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection. See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

  23. Buy Travel Insurance for Europe Online

    If you are insured with AIG when you travel in Europe, keep our 24/7 contact no. 603-27725600 with you at all times to process claims and medical emergencies. Dial 112 for police, ambulance and fire. With 44 countries in Europe, click on the link below to find the relevant Malaysian Embassy or Consulate for contact details in Europe: Secure ...

  24. 12 Best Travel Insurance Companies of March 2024

    Travelex Insurance Services: Best Overall. Allianz Travel Insurance: Best for Cancel for Any Reason Add-on. Seven Corners: Best for 24/7 Support When Traveling. World Nomads Travel Insurance: Best ...

  25. Insurance

    With our insurance partner AIG Europe S.A. we offer you individual packages for your coverage. These can be purchased during the booking process or after booking. The Travel Care insurance package applies in relation to a flight reservation. It includes travel cancellation and travel interruption insurance as well as additional Covid-19 ...

  26. Europe Travel Insurance Market Poised for Growth, Industry

    The Europe Travel Insurance Market size in terms of gross written premiums value is expected to grow from EUR 4.39 billion in 2024 to EUR 6.05 billion by 2029, at a CAGR of 6.20% during the ...