Travel Guard Travel Insurance Review (June, 2024) – Pros, Cons, Features, Pricing

A comprehensive Travel Guard travel insurance review is vital for Canadians looking to use their services. Typically, getting travel insurance in Canada will help you recover part of your travel costs if something goes wrong on your vacation. Travel Guard is widely used by Canadians because it is a trusted name in the insurance industry.

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Last Updated: Jun 16, 2024

Travel Guard

  • Protect your trip investment and your luggage
  • Includes emergency medical travel insurance
  • Trip cancellation, interruption, lost luggage

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Travel Guard provides three comprehensive travel insurance plans for its customers. It offers coverage of up to $1,000,000 for medical expenses and covers trip cancellation, baggage delay, and interruption. AIG Travel Guard includes options for frequent flyers, last-minute travellers, and vacationers.

This Travel Guard travel insurance review will cover the travel insurance plans’ pros, cons, and features. It will give you an idea of how well Travel Guard delivers on its services. This guide will also provide insight into how to get started with Travel Guard travel insurance.

What makes Travel Guard a good option?

Canadians choose Travel Guard travel insurance for many good reasons. For one, the service is provided by AIG Insurance Company, a well-known and trusted name. In this section of our travel guard travel insurance review, let’s explore why travel guard insurance is a good option.

Wide Range of Coverages

Travel Guard offers a variety of insurance options to assist with your travels. They can cover situations such as trip interruption or cancellation, missed connections, medical expenses, and missing or damaged baggage. That way, you will not have to worry about most travel-related mishaps.

Most insurance companies offer less coverage than Travel Guard policies. However, the extent of your protection is up to the details of the plan you select. The premiums are competitive with those of other insurance firms, even if they are slightly higher than average.

Dedicated customer service

Travel Guard excels at assisting customers. If you ever need a refund, Travel Guard will undoubtedly help you. If you need to get in touch with customer service, you can either call them or email them. 

Travel Guard has a customer service-focused team that always helps you with your claim, no matter the time. They will help you fix the problem well and quickly.

COVID-19 Consideration

After the 2020 pandemic, the Coronavirus became a significant concern when travelling. With Travel Guard travel insurance, you can enjoy COVID-19 protection before and during your trip. For example, if you contact COVID before the trip, your trip cancellation coverage would protect you.

However, not all COVID-related losses would be insured. This is because Coronavirus is a foreseen event; therefore, you should review the travel guard COVID-19 policy to verify how they cover it.

travel guard travel insurance review - comparewise

Pros and cons of Travel Guard

Travel Guard is one of the many travel insurance options out there. To determine if they are the best option, weigh the pros and cons. This section of our Travel Guard Travel Insurance Review will examine the pros and cons of using this service.

The pros of Travel Guard

Some upsides to using this insurance service include the following:

Up to 1 million in Evacuation coverage

People buy travel insurance mainly because it helps pay for emergency medical evacuations. If you become ill or injured while visiting a foreign nation, you may need to be transferred to a safer location.

If you have Travel Guard Deluxe from AIG, you can get up to $1 million to help pay for getting you to a hospital if needed. Travel Guard Preferred gives you $500,000 for evacuations, while Travel Guard Essential gives you $150,000.

That coverage pays for your plane tickets and other expenses to take you to a safe place to get good medical treatment.

Additional Coverage Options from AIG Travel Guide

Travel Guard, just like other travel insurance companies, has extras you can get for more money. You can choose these when you buy your policy. Some common add-ons include medical bundles, security bundles, and cancel-for-any-reason insurance (CFAR).

Your insurance plan depends on Whether you can get these extra things. Also, remember that some are already part of the Preferred and Deluxe plans.

Easy-to-use website

Travel Guard’s website is easy to use and navigate. The homepage has a clear and concise layout and prominently displays links to the most important pages. A search bar is available on the website to help visitors locate specific content quickly.

Users can quickly and easily compare various plans when shopping for insurance, allowing them to settle on the strategy that best fits their requirements. Getting a quote on the AIG website is also very simple. You may get a quote in seconds by entering trip data like destination, dates, and number of travellers.

You can Upgrade or Cancel for any Reason.

Regular travel insurance only gives you money back if you cancel for specific reasons they say are okay. But with CFAR, you can withdraw no matter what and still get coverage if you do it 48 hours before you leave.

Travel Guard is one of the few insurance companies that offer a CFAR upgrade that can be added to your coverage. If you purchase their Preferred and Deluxe plans, you can upgrade your coverage to include CFAR.

The cons of Travel Guard

Here are some drawbacks to using Travel Guard travel insurance:

CFAR upgrade doesn’t cover the entire trip

Your pre-paid travel costs will only be reimbursed at 50% if you purchase travel insurance through AIG Travel Guard with CFAR. Other firms provide a higher proportion of reimbursement. As a result, you should look into additional insurance options before committing to this one.

Premiums can get expensive.

Travel Guard travel insurance is not the most affordable option when buying travel insurance. On average, their rates are higher than those of competing insurance providers. However, the cost is determined by several variables, like age, coverage type, optional extras, and the country you’re travelling to.

Travel Guard products and services

AIG Travel Guard provides three primary policies: essential, preferred, and deluxe. They go further to offer two additional options for more convenient overseas travel. This part of our Travel Guard travel insurance review provides a breakdown of the available plans:


The Travel Guard Essential package from AIG is a super easy way to keep yourself safe when you travel. This cheap plan protects you if your trip gets cancelled, ends early, or is delayed. The insurance pays up to $500 for dental expenses, $15,000 for medical expenses, and $200 for lost or damaged luggage.

The Essential Plan is ideal for visitors and short-term travellers who wish to save money. If you get an upgrade deal from AIG, your plan can improve.


Travel Guard Preferred has you covered if you want something in between. The policy gives you up to $500,000 to pay for leaving a dangerous place and $50,000 to pay for medical expenses.

The CFAR upgrade and NOAA hurricane warning coverage are cool things you can add to this package. If your baggage gets broken up, lost, or stolen, we’ll cover you for up to $1,000.


The Travel Guard Deluxe plan from AIG is their most expensive option. It provides coverage such as security escape, coverage for missed connections, coverage for trip-savers, and more.

The policy covers the cost of taking you to the hospital, up to a million dollars. Travel Guard Deluxe is an excellent thing to get if you go far away or to risky places. Everything is taken care of in case of an emergency, and your loved ones will not have to worry if a loss of life happens.

Pack N’ Go

Travellers who put off purchasing insurance until the last minute can benefit from AIG’s Pack N’ Go plan. This plan does not cover trip cancellations, but it does cover medical expenses up to $25,000. It also covers lost or damaged luggage up to $500.

Annual Plan

AIG offers a yearly plan for travel insurance that its customers may purchase. Someone who regularly travels, especially to risky places, should get a plan that covers them for an entire year.

aig travel guard travel insurance review - comparewise

Travel Guard product and service quality

At this point in our Travel Guard travel insurance review, let’s examine the quality of their services. Consumers Advocate rates their plans highly, with an impressive 4.4 out of 5 stars, demonstrating their quality and comprehensive coverage options.

A key benefit of AIG Travel Guard is its 24/7 travel assistance hotline. This function is invaluable when dealing with unforeseen events like lost luggage, flight delays, or a medical emergency while travelling. 

But before jumping to any conclusions, we must weigh the pros and cons. Customer complaints regarding inefficient customer support and refund issues for cancelled trips earned AIG Travel Guard a 1.01 rating from the Better Business Bureau.

Before choosing an insurance company, check multiple sources and ask fellow travellers about their experiences.

Apart from this Travel Guard travel insurance review, platforms like Reddit can be a valuable resource for such discussions. Questions like “Is travel guard insurance worth it, Reddit?” could provide insights from real customers, giving you a broader perspective.

How to get started with Travel Guard

Travel Guard’s website boasts a user-friendly interface, offering swift quotes that outline the coverage details. To receive a quote, simply provide basic trip information, such as destination, mode of travel, travel dates, home state, date of birth, and trip cost.

The website presents price quotes for various insurance options, each with a clear coverage list, enabling easy comparisons.

Remember that the accessibility of plans varies from state to state. If you need to file a claim, you can conveniently do so on their website or via their helpline at (866) 478-8222. You can also track the claim status online.

Alternatives to Travel Guard

While Travel Guard is a great travel insurance company, other options could provide more comprehensive plans. Let’s explore some of the best alternatives to travel guard in this section of our travel guard travel insurance review.

soNomad vs Travel Guard

SoNomad travel insurance provides a Medical Insurance plan to safeguard you from the financial consequences of unforeseen medical expenses. COVID-19 is included at no extra cost in all of its travel insurance policies.

Depending on the level of protection you purchase, it may pay for things like hospitalization and even air ambulance transport in medical emergencies.

Their Multi-Trip Annual Plans provide access to reduced yearly pricing for regular travellers who need a plan for the entire year. Various durations are available for your protection, from 7 to 45 days.

TuGo vs Travel Guard

TuGo is a renowned travel insurance company in Canada that has been around for 60 years. They provide services to locals, foreign tourists, international students, and anyone needing coverage in the country.

Packages include emergency medical care, travel cancellation and interruption, trip interruption insurance, accidental death, and more for Canadian citizens. Optional protections include sports and activity coverage, trip cancellation protection, baggage insurance, and rental car protection.

Travel Guard travel insurance review conclusion

Travel Guard is an excellent choice for Canadians who want to buy trip insurance. Travellers can rest easy knowing they are covered for unexpected medical costs, trip cancellations, lost bags, and more.

The fact that the company works with AIG Insurance makes it look better, and the fact that customer service is available 24/7 ensures that people can get help when needed.

Travel Guard has also added COVID-19 coverage to better meet visitors’ needs today. But, just like with any insurance company, studying and comparing plans is crucial to finding the one that works best for you.

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FAQs about our Travel Guard travel insurance review

Why do Canadians choose Travel Guard for travel insurance?

Canadians prefer Travel Guard for its association with AIG Insurance, a wide range of coverages, and competitive prices.

What is covered in Travel Guard’s essential plan?

The Essential plan covers trip cancellations, delays, medical expenses up to $15,000, dental expenses up to $500, and lost or damaged luggage up to $200.

Does Travel Guard offer COVID-19 coverage?

Travel Guard provides COVID-19 protection, including trip cancellation coverage, if you contact COVID before the trip.

Does travel guard offer a cancel for any reason (CFAR) option?

Travel Guard offers a CFAR upgrade that can be added to the Preferred and Deluxe plans.

What are the drawbacks of Travel Guard travel insurance?

Some drawbacks include the CFAR upgrade not covering the entire trip, and premiums can be expensive compared to other insurance providers.

What are the alternatives to Travel Guard?

Some alternatives to Travel Guard include SoNomad and TuGo, which offer different coverage options and benefits.

How can I file a claim with Travel Guard?

You can file a claim on their website or contact their customer service helpline at (866) 478-8222.

Are there additional coverage options with Travel Guard?

Depending on your chosen plan, Travel Guard offers additional coverage options like a medical bundle, a security bundle, and more.

Can I get an annual plan with Travel Guard?

Travel Guard offers a yearly plan for travellers who frequently travel and need coverage for the entire year.

How can I compare different plans and get a quote with Travel Guard?

Travel Guard's user-friendly website allows you to compare plans easily and obtain a quote by entering trip details like destination, dates, and the number of travellers.


Travel Guard

August 7, 2023
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