travel guard insurance phone number usa

Additionally, your insurer's hotline representatives may actually be able to get you home faster than the cruise line's travel department, which is busy. Get a quote, compare plans and buy Allianz travel insurance online. Trip protection for cancellations, emergency medical & more. Over 34M policies sold. The online claims tool is only available for American travelers who purchased their travel insurance plans in the United States. All other.

Travel guard insurance phone number usa -

AIG Travel Insurance Review

AIG Travel Guard plans may appeal to vacationers, last-minute travelers and people who take multiple trips a year. There are five plans offering a range of benefits including trip cancellation, trip interruption, baggage delay and coverage for medical and dental expenses.

AIG Travel Guard Deluxe (above) is its highest-rated plan according to Forbes Advisor’s ratings of the best travel insurance.

AIG Travel Guard Preferred: Medical expenses up to $50,000, dental expenses up to $500 and emergency evacuation compensation of $500,000 are just a few of the benefits of the Travel Guard Preferred plan. It also includes trip interruption, trip cancellation and trip delay coverage. Lost, damaged and stolen baggage is covered up to $1,000. This travel plan may be a good fit for family vacations and international travel.

AIG Travel Guard Essential: This budget travel insurance option includes coverage for trip cancellation, trip interruption, medical expenses of up to $15,000, dental expenses up to $500, baggage delay up to $200 and trip delay up to $500.

AIG Travel Guard Pack N’ Go plan: Designed for last-minute travelers who won’t be needing trip cancellation coverage, this plan’s benefits include trip interruption, trip delay, missed connection up to $500, baggage delay up to $200, medical expenses up to $25,000 and dental expenses up to $500.

AIG Travel Guard Annual plan: Created for travelers who make multiple trips throughout the year, this plan comes with trip interruption, trip delay up to $1,500, missed connection up to $500, baggage delay up to $1,000, medical expenses up to $50,000, dental expenses up to $500 and emergency evacuation up to $500,000. The Travel Guard Annual is not available in Kansas, Montana and New York.

Источник: https://www.forbes.com/advisor/travel-insurance/aig-travel-insurance-review/

Travel Guard

PhonePhone:
(800) 826-1300
Everyday, 24 hours per day
EmailE-mail:
[email protected]
Mail

Mail:
Travel Guard                                                      3300 Business Park Drive
Stevens Point, WI 54482

Claims Information

Need to make a claim? AIG Travel Guard is ready to help and will do their best to make it right.

Claims Questions?

[email protected]

(866) 478 – 8222

7:00 AM – 7:00 PM CST, Weekdays

(715) 295 – 1221 Collect International

Emergency Assistance

(855) 203 – 5962 Toll Free, US

(715) 345 – 0505  US and International Collect

Start a Claim

Start your Claim online at https://claims.travelguard.com or by phone at (866) 478 – 8222.

Submit claims documentation via email at [email protected] with your claim number in the subject line, via fax to 715-295-1113 with attention to your claim number, or via mail to:

AIG Claims

Attn: your claim number

PO Box 47

Stevens Point, WI 54481

Review the required documentation by claim type - https://www.travelguard.com/help-center/claims/required-claim-documents

You will be able to check the status of your claim online - https://claims.travelguard.com/status


Should you have any questions, are unable to download the claim packets, or require assistance, please contact us. We make every effort to ensure the information on this page is complete and accurate. If there is a conflict with the information on this page and the policy, the terms and information on the specific written policy will supersede.

Additional Info

Every claims situation is going to be different, and so there are a few differences in how you will need to respond to them. Please keep in mind that if an emergency arises, contact your insurance company as soon as reasonably possible! Each policy includes a claims phone number and 24-hour assistance phone numbers for both inside and outside of the United States, ensuring that you can get in touch with your insurer at any time. If you are traveling internationally you will need to make a collect call with the out-of-country emergency number.

In a case where you are going to have to cancel your trip prior to departure, contact your insurer immediately. They will advise you on how to proceed with filing the claim and will also inform you of what documentation they will need to see.

If a medical emergency arises while you are traveling, again you will want to contact the company as soon as reasonably possible. The reasons for this are two-fold:

Some companies will require pre-certification, or that you contact the company before receiving medical treatment or having an evacuation performed. Naturally, if you're in a dire medical emergency you would want to seek care immediately and worry about claims once you're stable.

You will need to know what documentation will be most important for you to have with you before returning home.

One fact that cannot be stressed enough is to save your receipts and proof of expenses so that you can be accurately reimbursed, whether it be costs due to a delay of travel for hotel or meal, or medical records for emergency treatment received. This is especially important for medical care received overseas, as it can be incredibly difficult to get this paperwork once you have returned home. For filing a claim, nothing is more important than having accurate documentation for your loss.

After a provider pays a claim to a traveler, they will typically "subrogate" to seek reimbursement from any other collectible sources that may be available. These other sources could be other insurance policies or travel suppliers to recoup some or all of the claim that was paid. The travel insurance plan you purchase will have more details on this in the certificate that Travel Insurance Master emails to the primary traveler.

Sometimes, a claim is denied by the travel insurance company. When this happens, Travel Insurance Master customers have the option to have their claim reviewed by our Customer Care Team.

PAYMENT OF CLAIMS

Claim Procedures:

Notice of Claim: The Insured must call Travel Guard as soon as reasonably possible, and be prepared to describe the Loss, the name of the company that arranged the Trip (i.e., tour operator, Cruise line, or charter operator), the Trip dates, purchase date and the amount that the Insured paid. Travel Guard will fill in the claim form and forward it to the Insured for his or her review and signature. The completed form should be returned to Travel Guard, PO Box 47, Stevens Point, WI 54481 (telephone 1.800.826.1300).

All accident, health, and life claims will be administered by AIG Claims Inc., in those states where it is licensed.

Claim Procedures: Proof of Loss: The claim forms must be sent back to Travel Guard no more than 90 days after a covered Loss occurs or ends, or as soon after that as is reasonably possible. All claims under the Policy must be submitted to Travel Guard no later than one year after the date of Loss or insured occurrence or as soon as reasonably possible. If Travel Guard has not provided claim forms within 15 days after the notice of claim, other proofs of Loss should be sent to Travel Guard by the date claim forms would be due. The proof of Loss should include written proof of the occurrence, type and amount of Loss, the Insured’s name, the participating organization name, and policy number. The Insured must return all unused, none refundable tickets.

Payment of Claims: When Paid: Claims will be paid as soon as Travel Guard receives complete proof of Loss and verification of age.

Payment of Claims: To Whom Paid: Benefits are payable to the Insured who applied for coverage and paid any required plan cost. Any benefits payable due to that Insured’s death will be paid to the survivors of the first surviving class of those that follow: (a) the beneficiary named by that Insured and on file withTravel Guard (b) to his/her spouse, if living. If no living spouse, then (c) in equal shares to his/her living children. If there are none, then (d) in equal shares to his/her living parents. If there are none, then (e) in equal shares to his/her living brothers and sisters. If there are none, then (f) to the Insured’s estate. If a benefit is payable to a minor or other person who is incapable of giving a valid release, the Company may pay up to $3,000 to a relative by blood or connection by marriage who has assumed care or custody of the minor or responsibility for the incompetent person’s affairs. Any payment the Company makes in good faith fully discharges the Company to the extent of that payment.

Accident Sickness Medical Expense and Emergency Evacuation benefits may be payable directly to the provider. However, the provider: (a) must comply with the statutory provision for direct payment; and (b) must not have been paid from any other sources.

Trip Cancellation and Trip Interruption Proof of Loss: The Insured must provide Travel Guard documentation of the cancellation or interruption and proof of the expenses incurred. The Insured must provide proof of payment for the Trip such as canceled check or credit card statements, proof of refunds received, copies of applicable tour operator or Common Carrier cancellation policies, and any other information reasonably required to prove the Loss. Claims involving Loss due to Sickness, Injury, or death require signed patient (or next of kin) authorization to release medical information and an attending Physician’s statement. The Insured must provide Travel Guard with all unused air, rail, Cruise or other tickets if he/she is claiming the value of those unused tickets.

Trip Delay Proof of Loss: The Insured must provide Travel Guard documentation of the delay from the airline, Cruiseline, etc., as to the reason for the delay and proof of the expenses incurred. The Insured must provide Travel Guard with all original receipts, copies of receipts or a list of the expenses incurred that gives the amount paid, what the payment was for, and the date of the payment. Claims involving Loss due to Sickness, Injury or death require signed patient (or next of kin) authorization to release medical information and an attending Physician’s statement.

Baggage and Personal Effects Proof of Loss: The Insured must: (a) report theft Losses to police or other local authorities as soon as possible; (b) take reasonable steps to protect his/her Baggage from further damage and make necessary and reasonable temporary repairs; (The Company will reimburse the Insured for those expenses. The Company will not pay for further damage if the Insured fails to protect his/her Baggage); (c) allow the Company to examine the damaged Baggage and/or the Company may require the damaged item to be sent in the event of payment; and (d) send sworn proof of Loss as soon as possible from date of Loss, providing amount of Loss, date, time, and cause of Loss, and a complete list of damaged or lost items.

Baggage Delay Proof of Loss: The Insured must provide documentation of the delay or mis direction of Baggage by the Common Carrier and receipts for the Necessary Personal Effects purchases.

Car Rental Collision Coverage Proof of Loss: The Insured must: take all reasonable, necessary steps to protect the vehicle and prevent further damage to it; report the Loss to the appropriate local authorities and the rental company as soon as possible; obtain all information on any other party involved in a traffic accident, such as name, address, insurance information, and driver’s license number; and provide Travel Guard all documentation such as rental agreement, police report, and damage estimate.

The following provisions apply to Baggage/Personal Effects, Baggage Delay and Car Rental Collision Coverage: Notice of Loss.

If the Insured's property covered under the Policy is lost or damaged, the Insured must: (a) notify Travel Guard as soon as possible; (b) take immediate steps to protect, save and/or recover the covered property; (c) give immediate notice to the carrier or bailee who is or may be liable for the Loss or damage; (d) notify the police or other authority in the case of robbery or theft within 24 hours.

Proof of Loss. The Insured must furnish Travel Guard with proof of Loss. Proof of Loss includes police or other local authority reports or documentation from the appropriate party responsible for the Loss. It must be filed within 90 days from the date of Loss. Failure to comply with these conditions shall not invalidate any claims under the Policy.

Settlement of Loss. Claims for damage and/or destruction shall be paid immediately after proof of the damage and/or destruction is presented to Travel Guard. Claims for lost property will be paid after the lapse of a reasonable time if the property has not been recovered. The Insured must present acceptable proof of Loss and the value.

Valuation. The Company will not pay more than the Actual Cash Value of the property at the time of Loss. At no time will payment exceed what it would cost to repair or replace the property with material of like kind and quality.

Disagreement Over Size of Loss. If there is a disagreement about the amount of the Loss, either the Insured or the Company can make a written demand for an appraisal. After the demand, the Insured and the Company each select their own competent appraiser. After examining the facts, each of the two appraisers will give an opinion on the amount of the Loss. If they do not agree, they will select an arbitrator. Any figure agreed to by 2 of the 3 (the appraisers and the arbitrator) will be binding. The appraiser selected by the Insured is paid by the Insured. The Company will pay the appraiser it chooses. The Insured will share with the Company the cost for the arbitrator and the appraisal process.

Benefit to Bailee. This insurance will in no way inure directly or indirectly to the benefit of any carrier or other bailee.

Accident Sickness Medical Expense, Emergency Evacuation & Repatriation of Remains, Accidental Death & Dismemberment and Flight Guard Proof of Loss: The Insured must provide Travel Guard with: (a) all medical bills and reports for medical expenses claimed; and (b) a signed patient authorization to release medical information to TravelGuard.

The following provision applies to Trip Cancellation, Trip Interruption, Accident Sickness Medical Expense, Baggage Delay, Baggage and Personal Effects, Emergency Evacuation & Repatriation of Remains and Car Rental Collision Coverage:

Subrogation - To the extent the Company pays for a Loss suffered by an Insured, the Company will take over the rights and remedies the Insured had relating to the Loss. This is known as subrogation. The Insured must help the Company preserve its rights against those responsible for its Loss. This may involve signing any papers and taking any other steps the Company may reasonably require. If the Company takes over an Insured's rights, the Insured must sign an appropriates ubrogation form supplied by the Company.

As a condition to receiving the applicable benefits listed above, as they pertain to this Subrogation provision, the Insured agrees, except as may be limited or prohibited by applicable law, to reimburse the Company for any such benefits paid to or on be half of the Insured, if such benefits are recovered, in any form, from any Third Party or Coverage. The Company will not pay or be responsible, without its written consent, for any fees or costs associated with the pursuit of a claim, cause of action or right by or on be half of an Insured or such other person against any Third Party or Coverage.

Coverage - as used in this Subrogation section, means no fault motorist coverage, uninsured motorist coverage, underinsured motorist coverage, or any other fund or insurance policy (except coverage provided under the Policy to which this Certificate of Insurance is attached) and any fund or insurance policy providing the Policy holder with coverage for any claims, causes of action or rights the Insured may have against the Policy holder.

Third Party - as used in this Subrogation section, means any person, corporation or other entity (except the Insured, the Policy holder and the Company).

Источник: https://travelinsurancemaster.com/page/filingClaim/Travel-Guard
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Average Cost of Travel Insurance: by Policy, Age and Insurer

Our study of more than 50 travel insurance policies showed the average cost of travel insurance in the U.S. was $148, but not all travel insurance policies are the same. Some are much more comprehensive than others and, consequently, the range of costs between them can be wide. Our research found that the cost of a comprehensive travel insurance policy was 56% more, on average, than a basic travel insurance policy. A policyholder’s age also has a significant impact on the cost of their travel insurance.

Average cost of travel insurance

We gathered travel insurance quotes for more than 50 different policies using a sample vacationer—a U.S. citizen living in the state of New York, going to the United Kingdom for one week in August. Some policies included in our study are more comprehensive than others, but the average across them is a good representation of what most travelers can expect to pay for such a trip. Considering all of the policies below, the average cost of travel insurance is $148.

Average Quote$148
AIG Travel Guard Platinum$216
AIG Travel Guard Gold$143
AIG Travel Guard Silver$122
AIG Travel Guard Basic$108
April Choice$89
Allianz Basic$109
Allianz Classic$141
Allianz Classic Trip Plus$191
AXA USA Silver$82
AXA USA Gold$142
AXA USA Platinum$172

Show All Rows

Where someone is departing from, or traveling to, does not have as big an impact on rates as one might expect (unless they are traveling to an especially hazardous place). We experimented with departures from different states in the U.S. and when the final destination remained the United Kingdom, the cost of the travel insurance policy typically remained the same. The states of New York and New Jersey tended to have slightly higher premiums, but the difference was less than $10.

One way to increase the cost? Leaving from a country other than the United States. We maintained the final destination (the U.K.) and found that departing from most other countries other than the U.S. resulted in a significant increase in the average policy premium. It's hard to know what the reason behind that difference is—perhaps it is because the prices of the policies we were gathering quotes for were optimized for U.S. departures. Anything outside of the U.S. might simply be categorized as a different level of risk, regardless of where someone is departing from.

Average cost of basic vs. comprehensive travel insurance policies

We took a closer look at some relatively basic travel insurance policies and some of the least expensive ones offered by carriers. Not surprisingly, the average cost of the basic policies was lower than the average cost of the more comprehensive plans. The more a travel insurance policy covers, or the higher claim limits it has, the higher the mean premium.

Average cost of travel insurance coverage

$164

Comprehensive coverage

Policyholders have quite a bit of control over the cost of travel insurance, because they can choose what coverage they need or want. For contrast, if a homeowner needs to insure their house, there aren’t many things they can do to affect the cost, beyond shopping around for the cheapest carrier. The basic or silver tiers generally have less medical coverage or lower limits to claim than higher gold or platinum tiers.

Average travel insurance cost by age

In addition to the types of coverage and the claim limits, a person’s age has a substantial impact on the cost of travel insurance. No matter the type of policy someone buys, the price increases dramatically the older they are. Our analysis below showed that premiums remained relatively flat for travelers age 1 through 30, but then the cost begins to climb. The most drastic increases occur between ages 60 and 80. We attempted to gather quotes for travelers as old as 100, 105 and 110, but no companies offered quotes for our sample traveler of those ages.

Average travel insurance cost by age
1$104
2$104
3$104
4$104
5$104
6$104
7$104
8$104
9$104
10$104
11$104
12$104

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Factors that impact the cost of travel insurance

The factors that determine the cost of travel insurance vary depending on the insurer and policy you choose. For instance, some travel insurance companies don't take your destination into consideration when setting rates, while others do. The following are some of the most commonly used inputs in determining travel insurance rates:

  • Trip cost and policy limits: When choosing a travel insurance policy's limits, it's important to take into account all the costs of your trip, from flights to booked activities. The total trip cost and your policy sublimits will be one of the greatest factors impacting your travel insurance rates, since these determine the maximum payout in the event of a claim.
  • Types of coverage: A travel insurance policy can be very narrow or broad, so it's important to consider the risks involved in your trip and choose the appropriate combination of coverages. As you increase the situations in which you're covered, such as adding hazardous sports coverage, or reasons you might be reimbursed, the cost of a policy will increase.
  • Deductible: Choosing a higher deductible policy will lower travel insurance rates, since you'll pay a larger amount out of pocket in the case you file a claim.
  • Age and number of travelers: Older travelers, particularly those over the age of 50, are considered more likely to file a claim, since they have a higher risk of becoming ill or getting injured.
  • Length of trip: Longer trips often come with more expensive travel insurance rates, since there are more opportunities to sustain a loss.
  • Destinations: If you travel to regions with higher health care costs, this can increase the price of travel insurance. Additionally, some locations will be more expensive to organize emergency transportation from, so you may need a policy with higher limits to account for this.
  • Health of travelers: If you have pre-existing conditions, you'll typically either be charged a higher rate for a policy that would cover issues that arise for problems related to those conditions, or you'll have coverage exclusions.

Travel insurance spending trends

In 2018, U.S. citizens traveled internationally 93 million times, according to the National Travel and Tourism Office. Millions purchased some form of travel insurance and a recent analysis from AAA indicated 38% of Americans are likely to for future trips abroad.

Americans spent more than $3.8 billion on all types of travel protection in 2018—a 41% increase over the past two years—according to a survey of the travel insurance market by the U.S. Travel Insurance Association. The same survey, which includes the most recent available data, also showed approximately 65.8 million travelers were covered by more than 46.3 million travel insurance plans.

Methodology

To access the cost of travel insurance in the U.S., we first researched and established a sample traveler to gather quotes for a U.S. citizen living in the state of New York, going to the United Kingdom for one week in August, with an estimated trip cost of $2,500. We then collected more than 2,000 travel insurance quotes for 52 different policies offered by dozens of companies.

Источник: https://www.valuepenguin.com/average-cost-travel-insurance

Q. Why should I purchase travel insurance for my vacation?
A. You've saved, you've waited, and now you're all set to travel. Preparing for your trip includes covering yourself for unfortunate occurrences that can interfere with even your best-laid plans. By purchasing a travel insurance plan, you can insure yourself for covered cancellation penalties, medical costs, as well as gain access to a wide range of traveler's assistance services.

Did you know that the All Seasons Travel Plan - Inland Resort could cover you if:

  • Someone in your family suffers an illness or injury, even if they aren't scheduled to travel with you
  • You become ill and can't travel or your child comes down with the chicken pox and you are quarantined
  • You or a traveling companion loses a job and you or they have been with the employer for at least one year
  • Weather prevents you from leaving home and reaching your destination
  • A family member passes away and you must return from your vacation early
  • Your luggage or sports equipment is lost or delayed by the airline
  • You twist your ankle and must visit a physician while traveling
  • Other unforeseeable events as listed in the Description of Coverage

    What are the coverages?

  • Trip Cost - Trip Cancellation & Interruption(covers trip costs up to $100,000)
    Per Booking Coverage
    Covers your trip investment if you must cancel or interrupt your trip due to covered reasons such as sickness, injury or death to you, traveling companion, family member, business partner or service animal; inclement weather; mechanical break down of a common carrier, being subpoenaed or required to serve jury duty, being called into active military service or having leave revoked or be reassigned, involuntary termination of employment or layoff; your principal residence or destination being made uninhabitable; pregnancy or childbirth.
  • $600 - Trip Delay($200 per day)
    Per Person Coverage
    Reimburses for the purchase of essential items (i.e. meals, hotels, etc.) if delayed for 6 or more hours because of a carrier caused delay, lost/stolen passport, travel documents or money, quarantine, natural disaster, injury or sickness of the insured or a traveling companion or the Insured being involved in or delayed due to a traffic accident while in route to a departure as substantiated by a police report.
  • $250 - Missed Connection
    Per Person Coverage
    Reimbursement for additional transportation expenses and unused prepaid, non-refundable trip payments if you miss a trip departure because of cancellation or delay of 3 or more hours of all regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay.
  • $1,000 - Baggage Delay($200 per day)
    Per Person Coverage
    If your baggage is delayed for more than 12 hours, you will be reimbursed for the purchase of essential items (i.e. clothing, toiletries, etc.)
  • $1,000 Baggage, Sportsman Equipment and Personal Effects Loss Per Person Coverage
    Reimburses you if your baggage is lost, stolen, or damaged while on your trip.
  • $25,000 - Medical Expense($1,000 Dental)
    Per Person Coverage
    Covers emergency medical expenses incurred while traveling; includes emergency dental treatment.
  • $500,000 - Emergency Evacuation & Repatriation of Remains
    Per Person Coverage

    Covers evacuation and transportation to the nearest adequate medical facility (or home in the event of death or if medically required) as well as a medical escort if deemed necessary.
  • $100,000 - Accidental Death & Dismemberment Per Person Coverage
    Covers death and loss of limb or eyesight within 180 days of an accident.
  • $25,000 – Car Rental Collision Coverage Per Car Coverage
    $25,000 in primary coverage! Covers cost of repairs for damage due to covered reasons to a rental car, up to the limit of coverage, for which the car rental contract holds you responsible.
  • The following non-insurance services are included and provided by Travel Guard:
  • Travel Medical Assistance
  • Worldwide Travel Assistance
  • LiveTravel® Emergency Assistance
  • Concierge Services
  • Identity Theft (Not available to NY residents)
  • Pet Return Service
  • Vehicle Return Service
  • $100 Roadside Assistance (per car)* includes: Towing, flat tire, lock-out and battery assistance as well as oil, fluid & water delivery service
    *Roadside Assistance service provided by Coach-net Services Inc.

    Q. Are the benefits listed per insured or per booking?
    A. The benefits for Trip Cancellation and Trip Interruption are the total per booking. For example if the insured purchased travel insurance coverage for a trip costing a total of $2,000, this would be the maximum reimbursement allowable under trip cancellation or interruption for that booking. All other coverages are per person with the exception of the Car Rental Collision Coverage which is per car coverage.

    Q. Will my current homeowners, renters, credit card, health or insurance policies cover me during my trip?
    A. Other insurance may not provide coverage while you travel due to coverage provisions, limitations, exclusions and restrictions. Many people don't have any insurance coverage at all if they must cancel their trip. This insurance plan has a wide range of travel benefits; which credit card, homeowners, and renter's insurance may not provide. The medical expense coverage included in this insurance plan is vital for people whose health insurance plans may not pay for medical expenses incurred outside of the United States (e.g., Medicare, certain HMO's, etc.) This coverage in this plan is primary.

    Q. I know that I have a pre-existing medical condition; will the plan cover me?
    A. Even if you have a medical condition that has been unstable in the last 60 days, you should still consider purchasing this insurance plan because the Pre-Existing Condition exclusion will be waived if you purchase the plan within 21 days of your initial deposit. As long as you are medically able to travel at time of purchase, having the Pre-Existing Condition exclusion waiver is the easiest way to help alleviate doubt as to coverage due to chronic medical conditions. There are some conditions that are not included in the exclusion wiaver such as anxiety related mental or nervous disorders. Please see the Exclusions section of the Description of Coverage to view these conditions.

    Q. One of the covered reasons listed under trip cancellation is "Sickness, Injury or death of an Insured, Family Member, Traveling Companion, Service Animal or Business Partner". What is the definition of a Family Member, Business Partner and Service Animal?
    A. The family member definition means the Insured's or Traveling Companion's spouse, Domestic Partner, Child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-child, stepbrother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, legal guardian, Caregiver, foster child, ward, or legal ward. The Business Partner definition means a person who: (1) is involved with the Insured or the Insured's Traveling Companion in a legal partnership; and (2) is actively involved in the daily management of the business. The Service Animal definition means any guide dog, signal dog, or other animal individually trained to work or perform tasks for the benefit of an individual with a disability, including, but not limited to, guiding persons with impaired vision, alerting persons with impaired hearing to intruders or sounds, providing animal protection or rescue work, pulling a wheelchair, or fetching dropped items.

    Q. Given the current economy, what if my spouse loses his/her job?
    A. The All Seasons Travel Plan - Inland Resort includes coverage for trip cancellation/interruption due to involuntary termination or layoff which occurs more than 14 days after an Insured's effective date of coverage. Only one year of employment with the same employer is required. If you or one of your traveling companions loses a job through no fault of your or their own and you need to cancel or interrupt your trip, this plan can provide reimbursement of non-refundable pre-paid travel expenses.

    Q: What if I need transportation due to medical reasons and I am unable to get prior authorization from Travel Guard?
    A. We always instruct our customers to contact local medical services during an emergency for immediate medical attention, or evacuation if necessary, and then notify Travel Guard as soon as is reasonably possible. Payment arrangements for your evacuation will depend on the nature of your particular situation and should be discussed with Travel Guard.

    Q. Will my vacation be covered if I must cancel due to a hurricane?
    A. You will have coverage if the property that you are scheduled to be staying at is inaccessible or uninhabitable within 30 days after the named hurricane causes the damage.

    Q. Is there help while I'm traveling?
    A. One of the valued benefits offered in this insurance plan is the 24-Hour Emergency Assistance Service. Travel Guard is a leader in this field. With Travel Guard, you have access to the services of a highly trained, multi-lingual staff around the clock to assist you with such emergencies as cash transfers, lost documents, medical or legal monitoring, and referrals. They are also equipped to respond in many unexpected circumstances. If an emergency should arise during your trip, call Travel Guard immediately and give the details of your problem or medical emergency.

    Q. Where can I call for more information?
    A. You may call Travel Guard at 1.877.249.5376, with any questions regarding the travel insurance. Their service representatives will be happy to assist you.

    Q. When is the latest the insurance plan can be purchased?
    A. The plan can be purchased up until the final trip payment is made or 30 days prior to arrival, whichever comes first. If a booking is made within 30 days of the scheduled arrival date, the guest can purchase the insurance plan the day of the booking only.

    Q. How do I file a claim?
    A.In the event of a claim, please notify your booking agent immediately. Then call Travel Guard at 1.877.249.5376 and refer to product #109404 P1 to start your claim.

    This is only a brief description of the coverage(s) available under policy series T30337NUFIC. The Policy will contain reductions, limitations, exclusions and termination provisions. Full details of coverage are contained in the Policy. If there is any conflict between the contents of this document and the Policy, the Policy will govern in all cases. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.
  • Источник: https://www.ivacationonline.com/travel-guard-travel-insurance.asp

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    Traveler's Travel Insurance for the Traveler

    House panel demands explanations from travel insurance firms not covering coronavirus cancellations

    A House Oversight subcommittee on Wednesday demanded that travel insurance providers explain why they are not fully covering trip cancellations due to the coronavirus pandemic.

    People all over the world have been canceling travel plans — often at the urging of government agencies — as the coronavirus spreads, but travel insurance plans are not necessarily covering costs related to changing or calling off itineraries.

    Rep. Raja KrishnamoorthiSubramanian (Raja) Raja KrishnamoorthiUS braces for omicron to hitFormer Washington Football Team cheerleaders, employees to protest outside stadiumRapper Wale to headline Travel guard insurance phone number usa Football Team halftime showMORE (D-Ill.), the chairman of the House Oversight subcommittee on Economic and Consumer Policy, asked that three travel insurance companies — General Global Assistance, Travel Guard Group and Allianz Global Assistance USA — provide a list of trip cancellation and medical expense claims related to the coronavirus, as well as monthly sales figures on the last five years by Travel guard insurance phone number usa 25.

    Krishnamoorthi expressed concern that some consumers may still proceed with their travel plans if they're not able to get any sort of reimbursement, therefore increasing the risk they could contract the coronavirus or expose it to others.

    “The Subcommittee is concerned that your policy to deny reimbursement to consumers who choose to refrain from travel to protect themselves, their families, and their communities may worsen the coronavirus pandemic,” he wrote in letters to the companies' chief executives. “Some of these consumers, rather than lose the entire price of their trip, may travel against the advice of [the Centers for Disease Control and Prevention] and increase the risk of infection.”

    Krishnamoorthi also asked that the executives respond to requests for transcribed interviews by Monday, but noted that the interviews could be done remotely in adherence with public health officials' guidelines to limit travel and in-person group interactions.

    He had previously asked the companies to testify at a hearing earlier this month, but all of them declined to participate. 

    Travel Guard, for instance, states on its website that "fear of travel" is generally not a covered event under most of its policies. Instead, consumers may be eligible for an insurance premium refund or a travel insurance voucher.

    Premium refunds would be available to people who requested a refund within 15 days of purchasing a policy, haven't started their trips and haven't filed claims. 

    "Trip cancellation for concern or fear of travel associated with sickness, epidemic or pandemic, including Coronavirus, south florida state college panther central not covered," it states.

    However, Travel Guard does say that people who contract the coronavirus before departing for their trips or while they are traveling would be covered for trip cancellation or medical expenses if the diagnosis is confirmed with a doctor's note.

    Nations across the globe have imposed travel restrictions to help slow the coronavirus outbreak, leading to hundreds of flight cancellations.

    The Trump administration in recent days imposed a 30-day suspension of travel of non-citizens from Europe and the United Kingdom. The European Union has also established a 30-day ban on nonessential travel to member countries.

    Источник: https://thehill.com/homenews/house/488337-house-panel-demands-explanations-from-travel-insurance-companies-not-covering
    Pocket Sense

    Travel Guard insurance company offers various travel insurance packages which cover travelers in the event of unforeseen expenses ranging from illness, flight cancellation to even acts of terrorism. This insurance will reimburse any non-refundable travel expenses that you lose and cover medical.


    Travel Guard Insurance Reviews - Legit or Scam?

    Travel Guard Insurance, found online at TravelGuard.com, is a subsidiary of AIG that says they are America's leading provider of travel insurance plans and assistance programs. How Does It Work? Currently AIG Travel Guard Insurance offers travel insurance plans that include per-trip and annual.


    Источник: https://www.businessyab.com/
    There's Travel Guard

    Travel Guard International is the industry's leading travel insurance provider insuring more than 6 million travelers each year. Plus, every Travel Guard insurance plan includes our 24-hour "911" travel emergency service for emergency medical assistance, last-minute or emergency travel.


    Domestic Travel Guard Policy - Domestic Travel Medical Insurance.

    Domestic travel Guard Insurance Policy Online at Tata AIG! Domestic Guard is a unique travel insurance plan that provides medical assistance while you are travelling within India.


    How to Cancel My Travel Guard Insurance

    This website contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T7000 et. al., T210 et. al., and TP-401 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2020. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The plans also contain noninsurance Travel Assistance Services provided by C&F Services through Active Claims Management (2018) Inc., operating as Active Care Management. Coverages may vary and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. Your travel retailer maybe compensated for the purchase of a plan.CA DOI toll free number: 800-927-4357. Travel guard insurance phone number usa Insurance Administration: travel guard insurance phone number usa or 410-468-2340. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travel Insured: P.O. 6503, Glastonbury, CT 06033; 855-752-8303; [email protected]; California license #0I13223.

    Источник: + document.location.href +

    Travel Guard

    PhonePhone:
    (800) 826-1300
    Everyday, 24 hours per day
    EmailE-mail:
    [email protected]
    Mail

    Mail:
    Travel Guard                                                      3300 Business Park Drive
    Stevens Point, WI 54482

    Claims Information

    Need to make a claim? AIG Travel Guard is travel guard insurance phone number usa to help and will do their best to make it right.

    Claims Questions?

    [email protected]

    (866) 478 – 8222

    7:00 AM – 7:00 PM CST, Weekdays

    (715) 295 – 1221 Collect International

    Emergency Assistance

    (855) 203 – 5962 Toll Free, US

    (715) 345 – 0505  US and International Collect

    Start a Claim

    Start your Claim online at https://claims.travelguard.com or by phone at (866) 478 – 8222.

    Submit claims documentation via email at [email protected] with your claim number in the subject line, via fax to 715-295-1113 with attention to your claim number, or via mail to:

    AIG Claims

    Attn: your claim number

    PO Box 47

    Stevens Point, WI 54481

    Review the required documentation by claim type - https://www.travelguard.com/help-center/claims/required-claim-documents

    You will be able to check the status of your claim online - https://claims.travelguard.com/status


    Should you have any questions, are unable to download the claim packets, or require assistance, please contact us. We make every effort to ensure the information on this page is complete and accurate. If there is a conflict with the information on this page and the policy, the terms and information on the specific written policy will supersede.

    Additional Info

    Every claims situation is going to be different, and so there are a few differences in how you will need to respond to them. Please keep in mind that if an emergency arises, contact your insurance company as soon as reasonably possible! Each policy includes a claims phone number and 24-hour assistance phone numbers for both inside and outside of the United States, ensuring that you can get in touch with your insurer at any time. If you are traveling internationally you will need to make a collect call with the out-of-country emergency number.

    In a case where you are going to have to cancel your trip prior to departure, contact your insurer immediately. They will advise you on how to proceed with filing the claim and will also inform you of what documentation they will need to see.

    If a medical emergency arises while you are traveling, again you will want to contact the company as soon as reasonably possible. The reasons for this are two-fold:

    Some companies will require pre-certification, or that you contact the company before receiving medical treatment or having an evacuation performed. Naturally, if you're in a dire medical emergency you would want to seek care immediately and worry about claims once you're stable.

    You will need to know what documentation will be most important for you to have with you before returning home.

    One fact that cannot be stressed enough is to save your receipts and proof of expenses so that you can be accurately reimbursed, whether it be costs due to a delay of travel for hotel or meal, or medical records for emergency treatment received. This is especially important for medical care received overseas, as it can be incredibly difficult to get this paperwork once you have returned home. For filing a claim, nothing is more important than having accurate documentation for your loss.

    After a provider pays a claim to a traveler, they will typically "subrogate" to seek reimbursement from any other collectible sources that may be available. These other sources could be other insurance policies or travel suppliers to recoup some or all of the claim that was paid. The travel insurance plan you purchase will have more details on this in the certificate that Travel Insurance Master emails to the primary traveler.

    Sometimes, a claim is denied by the travel insurance company. When this happens, Travel Insurance Master customers have the option to have their claim reviewed by our Customer Care Team.

    PAYMENT OF CLAIMS

    Claim Procedures:

    Notice of Claim: The Insured must call Travel Guard as soon as reasonably possible, and be prepared to describe the Loss, the name of the company that arranged the Trip (i.e., tour operator, Cruise line, or charter operator), the Trip dates, purchase date and the amount that the Insured paid. Travel Guard will fill in the claim form and forward it to the Insured for his or her review and signature. The completed form should be returned to Travel Guard, PO Box 47, Stevens Point, WI 54481 (telephone 1.800.826.1300).

    All accident, health, and life claims will be administered by AIG Claims Inc., in those states where it is licensed.

    Claim Procedures: Proof of Loss: The claim forms must be sent back to Travel Guard no more than 90 days after a covered Loss occurs or ends, or as soon after that as is reasonably possible. All claims under the Policy must be submitted to Travel Guard no later than one year after the date of Loss or insured occurrence or as soon as reasonably possible. If Travel Guard has not provided claim forms within 15 days after the notice of claim, other proofs of Loss should be sent to Travel Guard by the date claim forms would be due. The proof of Loss should include written proof of the occurrence, type and amount of Loss, the Insured’s name, the participating organization name, and policy number. The Insured must return all unused, none refundable tickets.

    Payment of Claims: When Paid: Claims will be paid as soon as Travel Guard receives complete proof of Loss and verification of age.

    Payment of Claims: To Whom Paid: Benefits are payable amazon bakersfield hiring the Insured who applied for coverage and paid any required plan cost. Any benefits payable due to that Insured’s death will be paid to the travel guard insurance phone number usa of the first surviving class of those that follow: (a) the beneficiary named by that Insured and on file withTravel Guard (b) to his/her spouse, if living. If no living spouse, then (c) in equal shares to his/her living children. If there are none, then (d) in equal shares to his/her living parents. If there are none, then (e) in equal shares to his/her living brothers and sisters. If there are none, then (f) to the Insured’s estate. If a benefit is payable to a minor or other person who is incapable of giving a valid release, the Company may pay up to $3,000 to a relative by blood or connection by marriage who has assumed care or custody of the minor or responsibility for the incompetent person’s affairs. Any payment the Company makes in good faith fully discharges the Company to the extent of that payment.

    Accident Sickness Medical Expense and Emergency Evacuation benefits may be payable directly to the provider. However, the provider: (a) must comply with the statutory provision for direct payment; and (b) must not have been paid from any other sources.

    Trip Cancellation and Trip Interruption Proof of Loss: The Insured must provide Travel Guard documentation of the cancellation or interruption and proof of the expenses incurred. The Insured must provide proof of payment for the Trip such as canceled check or credit card statements, proof of refunds received, copies of applicable tour operator or Common Carrier cancellation policies, and any other information reasonably required to prove the Loss. Claims involving Loss due to Sickness, Injury, or death require signed patient (or next of kin) authorization to release medical information and an attending Physician’s statement. The Insured must provide Travel Guard with all unused air, rail, Cruise or other tickets if he/she is claiming the value of those unused tickets.

    Trip Delay Proof of Loss: The Insured must provide Travel Guard documentation of the delay from the airline, Cruiseline, etc., as to the reason for the delay and proof of the expenses incurred. The Insured must provide Travel Guard with all original receipts, copies of receipts or a list of the expenses incurred that gives the amount paid, what the payment was for, and the date of the payment. Claims involving Loss due to Sickness, Injury or death require signed patient (or next of kin) authorization to release medical information and an attending Physician’s statement.

    Baggage and Personal Effects Proof of Loss: The Insured must: (a) report theft Losses to police or other local authorities as soon as possible; (b) take reasonable steps to protect his/her Baggage from further damage and make necessary and reasonable temporary repairs; (The Company will reimburse the Insured for those expenses. The Company will not pay for further damage if the Insured fails to protect his/her Baggage); (c) allow the Company to examine the damaged Baggage and/or the Company may require the damaged item to be sent in the event of payment; and (d) send sworn proof of Loss as soon as possible from date of Loss, providing amount of Loss, date, time, and cause of Loss, and a complete list of damaged or lost items.

    Baggage Delay Proof of Loss: The Insured must provide documentation of the delay or mis direction of Baggage by the Common Carrier and receipts for the Necessary Personal Effects purchases.

    Car Rental Collision Coverage Proof of Loss: The Insured must: take all reasonable, necessary steps to protect the vehicle and prevent further damage to it; report the Loss to the appropriate local authorities and the rental company as soon as possible; obtain all information on any other party involved in a traffic accident, such as name, address, insurance information, and driver’s license number; and provide Travel Guard all documentation such as rental agreement, police report, and damage estimate.

    The following provisions apply to Baggage/Personal Effects, Baggage Delay and Car Rental Collision Coverage: Notice of Loss.

    If the Insured's property covered under the Policy is lost or damaged, the Insured must: (a) notify Travel Guard as soon as possible; (b) take immediate steps to protect, save and/or recover the covered property; (c) give immediate notice to the carrier or bailee who is or may be liable for the Loss or damage; (d) notify the police or other authority in the case of travel guard insurance phone number usa or theft within 24 hours.

    Proof of Loss. The Insured must furnish Travel Guard with proof of Loss. Proof of Loss includes police or other local authority reports or documentation from the appropriate party responsible for the Loss. It must be filed within 90 days from the date of Loss. Failure to comply with these conditions shall not invalidate any claims under the Policy.

    Settlement of Loss. Claims for damage and/or destruction shall be paid immediately after proof of the damage and/or destruction is presented to Travel Guard. Claims for lost property will be paid after the lapse of a reasonable time if the property has not been recovered. The Insured must present acceptable proof of Loss and the value.

    Valuation. The Company will not pay more than the Actual Cash Value of the property at the time of Loss. At no time will payment exceed what it would cost to repair or replace the property with material of like kind and quality.

    Disagreement Over Size of Loss. If there is a disagreement about the amount of the Loss, either the Insured or the Company can make a written demand for an appraisal. After the demand, the Insured and the Company each select their own competent appraiser. After examining the facts, each of the two appraisers will give an opinion on the amount travel guard insurance phone number usa the Loss. If they do not agree, they will select an arbitrator. Any figure agreed to by 2 of the 3 (the appraisers and the arbitrator) will be binding. The appraiser selected by the Insured is paid by the Insured. The Company will pay the appraiser it chooses. The Insured will share with the Company the cost for the arbitrator and the appraisal process.

    Benefit to Bailee. This insurance will in no way inure directly or indirectly to the benefit of any carrier or other bailee.

    Accident Sickness Medical Expense, Emergency Evacuation & Repatriation of Remains, Accidental Death & Dismemberment and Flight Guard Proof of Loss: The Insured must provide Travel Guard with: (a) all medical bills and reports for medical expenses claimed; and (b) a signed patient authorization to release medical information to TravelGuard.

    The following provision applies to Trip Cancellation, Trip Interruption, Accident Sickness Medical Expense, Baggage Delay, Baggage and Personal Effects, Emergency Evacuation & Repatriation of Remains and Car Rental Collision Coverage:

    Subrogation - To the extent the Company pays for a Loss suffered by an Insured, the Company will take over the rights and remedies the Insured had relating to the Loss. This is known as subrogation. The Insured must help the Company preserve its rights against those responsible for its Loss. This may involve signing any papers and taking any other steps the Company may reasonably require. If the Company takes over an Insured's rights, the Insured must sign an appropriates ubrogation form supplied by the Company.

    As a condition to receiving the applicable benefits listed above, as they pertain to this Subrogation provision, the Insured agrees, except as may be limited or prohibited by applicable law, to reimburse the Company for any such benefits paid to or on be half of the Insured, if such benefits are recovered, in any form, from any Third Party or Coverage. The Company will not pay or be responsible, without its written consent, for any fees or costs associated with the pursuit of a claim, cause of action or right by or on be half of an Insured or such other person against any Third Party or Coverage.

    Coverage - as used in this Subrogation section, means no fault motorist coverage, uninsured motorist coverage, underinsured motorist coverage, or any other fund or insurance policy (except coverage provided under the Policy to which this Certificate travel guard insurance phone number usa Insurance is attached) and any fund or insurance policy providing the Policy holder with coverage for any claims, causes of action or rights the Insured may have against the Policy holder.

    Third Party - as used in this Subrogation section, means any person, corporation or other entity (except the Insured, the Policy holder and the Company).

    Источник: https://travelinsurancemaster.com/page/filingClaim/Travel-Guard

    Travel Guard Insurance

    Review of Travel Guard Insurance

    Travel guard insurance phone number usa -

    Travel Guard

    PhonePhone:
    (800) 826-1300
    Everyday, 24 hours per day
    EmailE-mail:
    [email protected]
    Mail

    Mail:
    Travel Guard                                                      3300 Business Park Drive
    Stevens Point, WI 54482

    Claims Information

    Need to make a claim? AIG Travel Guard is ready to help and will do their best to make it right.

    Claims Questions?

    [email protected]

    (866) 478 – 8222

    7:00 AM – 7:00 PM CST, Weekdays

    (715) 295 – 1221 Collect International

    Emergency Assistance

    (855) 203 – 5962 Toll Free, US

    (715) 345 – 0505  US and International Collect

    Start a Claim

    Start your Claim online at https://claims.travelguard.com or by phone at (866) 478 – 8222.

    Submit claims documentation via email at [email protected] with your claim number in the subject line, via fax to 715-295-1113 with attention to your claim number, or via mail to:

    AIG Claims

    Attn: your claim number

    PO Box 47

    Stevens Point, WI 54481

    Review the required documentation by claim type - https://www.travelguard.com/help-center/claims/required-claim-documents

    You will be able to check the status of your claim online - https://claims.travelguard.com/status


    Should you have any questions, are unable to download the claim packets, or require assistance, please contact us. We make every effort to ensure the information on this page is complete and accurate. If there is a conflict with the information on this page and the policy, the terms and information on the specific written policy will supersede.

    Additional Info

    Every claims situation is going to be different, and so there are a few differences in how you will need to respond to them. Please keep in mind that if an emergency arises, contact your insurance company as soon as reasonably possible! Each policy includes a claims phone number and 24-hour assistance phone numbers for both inside and outside of the United States, ensuring that you can get in touch with your insurer at any time. If you are traveling internationally you will need to make a collect call with the out-of-country emergency number.

    In a case where you are going to have to cancel your trip prior to departure, contact your insurer immediately. They will advise you on how to proceed with filing the claim and will also inform you of what documentation they will need to see.

    If a medical emergency arises while you are traveling, again you will want to contact the company as soon as reasonably possible. The reasons for this are two-fold:

    Some companies will require pre-certification, or that you contact the company before receiving medical treatment or having an evacuation performed. Naturally, if you're in a dire medical emergency you would want to seek care immediately and worry about claims once you're stable.

    You will need to know what documentation will be most important for you to have with you before returning home.

    One fact that cannot be stressed enough is to save your receipts and proof of expenses so that you can be accurately reimbursed, whether it be costs due to a delay of travel for hotel or meal, or medical records for emergency treatment received. This is especially important for medical care received overseas, as it can be incredibly difficult to get this paperwork once you have returned home. For filing a claim, nothing is more important than having accurate documentation for your loss.

    After a provider pays a claim to a traveler, they will typically "subrogate" to seek reimbursement from any other collectible sources that may be available. These other sources could be other insurance policies or travel suppliers to recoup some or all of the claim that was paid. The travel insurance plan you purchase will have more details on this in the certificate that Travel Insurance Master emails to the primary traveler.

    Sometimes, a claim is denied by the travel insurance company. When this happens, Travel Insurance Master customers have the option to have their claim reviewed by our Customer Care Team.

    PAYMENT OF CLAIMS

    Claim Procedures:

    Notice of Claim: The Insured must call Travel Guard as soon as reasonably possible, and be prepared to describe the Loss, the name of the company that arranged the Trip (i.e., tour operator, Cruise line, or charter operator), the Trip dates, purchase date and the amount that the Insured paid. Travel Guard will fill in the claim form and forward it to the Insured for his or her review and signature. The completed form should be returned to Travel Guard, PO Box 47, Stevens Point, WI 54481 (telephone 1.800.826.1300).

    All accident, health, and life claims will be administered by AIG Claims Inc., in those states where it is licensed.

    Claim Procedures: Proof of Loss: The claim forms must be sent back to Travel Guard no more than 90 days after a covered Loss occurs or ends, or as soon after that as is reasonably possible. All claims under the Policy must be submitted to Travel Guard no later than one year after the date of Loss or insured occurrence or as soon as reasonably possible. If Travel Guard has not provided claim forms within 15 days after the notice of claim, other proofs of Loss should be sent to Travel Guard by the date claim forms would be due. The proof of Loss should include written proof of the occurrence, type and amount of Loss, the Insured’s name, the participating organization name, and policy number. The Insured must return all unused, none refundable tickets.

    Payment of Claims: When Paid: Claims will be paid as soon as Travel Guard receives complete proof of Loss and verification of age.

    Payment of Claims: To Whom Paid: Benefits are payable to the Insured who applied for coverage and paid any required plan cost. Any benefits payable due to that Insured’s death will be paid to the survivors of the first surviving class of those that follow: (a) the beneficiary named by that Insured and on file withTravel Guard (b) to his/her spouse, if living. If no living spouse, then (c) in equal shares to his/her living children. If there are none, then (d) in equal shares to his/her living parents. If there are none, then (e) in equal shares to his/her living brothers and sisters. If there are none, then (f) to the Insured’s estate. If a benefit is payable to a minor or other person who is incapable of giving a valid release, the Company may pay up to $3,000 to a relative by blood or connection by marriage who has assumed care or custody of the minor or responsibility for the incompetent person’s affairs. Any payment the Company makes in good faith fully discharges the Company to the extent of that payment.

    Accident Sickness Medical Expense and Emergency Evacuation benefits may be payable directly to the provider. However, the provider: (a) must comply with the statutory provision for direct payment; and (b) must not have been paid from any other sources.

    Trip Cancellation and Trip Interruption Proof of Loss: The Insured must provide Travel Guard documentation of the cancellation or interruption and proof of the expenses incurred. The Insured must provide proof of payment for the Trip such as canceled check or credit card statements, proof of refunds received, copies of applicable tour operator or Common Carrier cancellation policies, and any other information reasonably required to prove the Loss. Claims involving Loss due to Sickness, Injury, or death require signed patient (or next of kin) authorization to release medical information and an attending Physician’s statement. The Insured must provide Travel Guard with all unused air, rail, Cruise or other tickets if he/she is claiming the value of those unused tickets.

    Trip Delay Proof of Loss: The Insured must provide Travel Guard documentation of the delay from the airline, Cruiseline, etc., as to the reason for the delay and proof of the expenses incurred. The Insured must provide Travel Guard with all original receipts, copies of receipts or a list of the expenses incurred that gives the amount paid, what the payment was for, and the date of the payment. Claims involving Loss due to Sickness, Injury or death require signed patient (or next of kin) authorization to release medical information and an attending Physician’s statement.

    Baggage and Personal Effects Proof of Loss: The Insured must: (a) report theft Losses to police or other local authorities as soon as possible; (b) take reasonable steps to protect his/her Baggage from further damage and make necessary and reasonable temporary repairs; (The Company will reimburse the Insured for those expenses. The Company will not pay for further damage if the Insured fails to protect his/her Baggage); (c) allow the Company to examine the damaged Baggage and/or the Company may require the damaged item to be sent in the event of payment; and (d) send sworn proof of Loss as soon as possible from date of Loss, providing amount of Loss, date, time, and cause of Loss, and a complete list of damaged or lost items.

    Baggage Delay Proof of Loss: The Insured must provide documentation of the delay or mis direction of Baggage by the Common Carrier and receipts for the Necessary Personal Effects purchases.

    Car Rental Collision Coverage Proof of Loss: The Insured must: take all reasonable, necessary steps to protect the vehicle and prevent further damage to it; report the Loss to the appropriate local authorities and the rental company as soon as possible; obtain all information on any other party involved in a traffic accident, such as name, address, insurance information, and driver’s license number; and provide Travel Guard all documentation such as rental agreement, police report, and damage estimate.

    The following provisions apply to Baggage/Personal Effects, Baggage Delay and Car Rental Collision Coverage: Notice of Loss.

    If the Insured's property covered under the Policy is lost or damaged, the Insured must: (a) notify Travel Guard as soon as possible; (b) take immediate steps to protect, save and/or recover the covered property; (c) give immediate notice to the carrier or bailee who is or may be liable for the Loss or damage; (d) notify the police or other authority in the case of robbery or theft within 24 hours.

    Proof of Loss. The Insured must furnish Travel Guard with proof of Loss. Proof of Loss includes police or other local authority reports or documentation from the appropriate party responsible for the Loss. It must be filed within 90 days from the date of Loss. Failure to comply with these conditions shall not invalidate any claims under the Policy.

    Settlement of Loss. Claims for damage and/or destruction shall be paid immediately after proof of the damage and/or destruction is presented to Travel Guard. Claims for lost property will be paid after the lapse of a reasonable time if the property has not been recovered. The Insured must present acceptable proof of Loss and the value.

    Valuation. The Company will not pay more than the Actual Cash Value of the property at the time of Loss. At no time will payment exceed what it would cost to repair or replace the property with material of like kind and quality.

    Disagreement Over Size of Loss. If there is a disagreement about the amount of the Loss, either the Insured or the Company can make a written demand for an appraisal. After the demand, the Insured and the Company each select their own competent appraiser. After examining the facts, each of the two appraisers will give an opinion on the amount of the Loss. If they do not agree, they will select an arbitrator. Any figure agreed to by 2 of the 3 (the appraisers and the arbitrator) will be binding. The appraiser selected by the Insured is paid by the Insured. The Company will pay the appraiser it chooses. The Insured will share with the Company the cost for the arbitrator and the appraisal process.

    Benefit to Bailee. This insurance will in no way inure directly or indirectly to the benefit of any carrier or other bailee.

    Accident Sickness Medical Expense, Emergency Evacuation & Repatriation of Remains, Accidental Death & Dismemberment and Flight Guard Proof of Loss: The Insured must provide Travel Guard with: (a) all medical bills and reports for medical expenses claimed; and (b) a signed patient authorization to release medical information to TravelGuard.

    The following provision applies to Trip Cancellation, Trip Interruption, Accident Sickness Medical Expense, Baggage Delay, Baggage and Personal Effects, Emergency Evacuation & Repatriation of Remains and Car Rental Collision Coverage:

    Subrogation - To the extent the Company pays for a Loss suffered by an Insured, the Company will take over the rights and remedies the Insured had relating to the Loss. This is known as subrogation. The Insured must help the Company preserve its rights against those responsible for its Loss. This may involve signing any papers and taking any other steps the Company may reasonably require. If the Company takes over an Insured's rights, the Insured must sign an appropriates ubrogation form supplied by the Company.

    As a condition to receiving the applicable benefits listed above, as they pertain to this Subrogation provision, the Insured agrees, except as may be limited or prohibited by applicable law, to reimburse the Company for any such benefits paid to or on be half of the Insured, if such benefits are recovered, in any form, from any Third Party or Coverage. The Company will not pay or be responsible, without its written consent, for any fees or costs associated with the pursuit of a claim, cause of action or right by or on be half of an Insured or such other person against any Third Party or Coverage.

    Coverage - as used in this Subrogation section, means no fault motorist coverage, uninsured motorist coverage, underinsured motorist coverage, or any other fund or insurance policy (except coverage provided under the Policy to which this Certificate of Insurance is attached) and any fund or insurance policy providing the Policy holder with coverage for any claims, causes of action or rights the Insured may have against the Policy holder.

    Third Party - as used in this Subrogation section, means any person, corporation or other entity (except the Insured, the Policy holder and the Company).

    Источник: https://travelinsurancemaster.com/page/filingClaim/Travel-Guard
    Travel Guard Insurance

    Obtain travel insurance for your trip with Firebird Tours. We recommend using our trusted insurance provider, Travel Guard. Second, don't forget to purchase travel insurance to really have the peace of mind while traveling. For our US and Canadian customers we would advise using the service of...


    Traveler's Travel Insurance for the Traveler

    AIG Travel Insurance: The Complete Guide

    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 andtravel 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.

    Thanks for letting us know!

    Источник: https://www.tripsavvy.com/aig-travel-guard-insurance-the-complete-guide-4156889

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