Going abroad? Protect your trip with travel insurance
Traveling to the UAE
Traveling out of UAE
While the last thing that you should worry about while travelling is unfortunate incidents, it is still chiefly the first thing on your mind when you are planning and packing for a trip. To ensure that you enjoy your trip without worrying, American International Group, Inc. brings you Travel Guard for a safer and happier journey.
An illness or any unforeseen circumstance may compel you to shorten or cancel your trip or avail of medical treatment while travelling. AIG Travel Guard (Travel Insurance) protects your financial interests under such conditions by covering your expenses. It also offers cover for the loss or delay of your baggage. AIG travel insurance gives you maximum coverage, which you can review while purchasing the policy.
Here is a comprehensive list of top AIG travel insurance plans in Dubai, UAE:
Plan Name
Medical Cover
Personal Accident Cover
Price
AIG Insurance Silver
$ 50,000
NA
AIG Insurance Gold
$ 100,000
$25,000
AIG Insurance Platinum
$ 500,000
$1,50,000
Why choose AIG Travel Guard?
AIG Insurance Company has over 100 years of experience in the insurance market and boasts of its established reputation and credibility. In addition, it offers customisable plans that can suit your needs. Travel insurance provides extensive security against numerous vulnerabilities and threats during a trip. Here are the reasons to choose AIG travel insurance in the UAE.
You receive a comprehensive range of three travel insurance plans as per your budget and security requirements.
You get the flexibility to customise your plans through additional riders by paying a nominal premium.
The plan also offers Covid-19 coverage along with other medical expenses around the world.
You can secure your change in travel plans as the policy offers trip cancellation and curtailment cover.
The plan secures you against personal accidents during a trip.
You get baggage delay and loss cover along with various other securities.
To secure you from credit card fraud during trips, the company offers a secure wallet feature.
You can conveniently purchase AIG travel insurance online following a few simple steps, and can also claim rebates on the insurance premium.
The company provides 24*7 assistance service for query resolution and insurance claims.
Features and Benefits of AIG Travel Insurance
Financial Protection Against Personal Accident
Drop Your Worries About Medical Expenses
Travel Safe
Coverage for Your flight
Legal Security
Protecting Your Wallet
Personalized Cover
Protection against terrorism
24/7 Support
Schengen Compliant
Lower Premium
AIG travel insurance offers a vast range of benefits when you are traveling abroad. The travel plans are available for both individual and family trips. Here are the key features and benefits of AIG travel insurance in the UAE.
Financial Protection Against Personal Accident
In case you meet an unfortunate incident on your travel, AIG Travel Insurance Dubai and the UAE will protect you against accidental death, permanent partial disability, and permanent complete disability.
Drop Your Worries About Medical Expenses
It is often said that you can never be too prepared for an injury or illness. To ensure that you receive the best possible medical treatment overseas as well, AIG has partnered with top-class health care providers worldwide. So if you fall ill or incur an injury, the AIG travel insurance plan in Dubai and the UAE will cover your medical bills. Some of the other aspects covered by it are emergency medical expenses, dental expenses, emergency medical evacuation, and repatriation of mortal remains.
Travel Safe
When you cover your travel with AIG Travel Insurance Dubai and the UAE, several aspects of your trip are covered like inconvenience during the journey, baggage loss, delay in the flight, or cancellation or curtailment of the trip. Whether your baggage is stolen or your passport is lost, AIG Travel Insurance will safeguard your financial interests by providing reimbursement for such losses.
Coverage for Your flight
Besides mental discomfort, a flight delay can also cause considerable financial losses. AIG Travel Insurance Dubai and the UAE reimburse you for any monetary losses caused due to flight delays. In case you miss your flight’s departure, or your trip is cancelled, the AIG travel insurance will cover you against it as well. Notably, AIG is one of the few travel insurance in UAE providers that cover you against flight hijacking.
Legal Security
You may end up losing a fortune if you are stuck in a legal matter overseas. To secure you against any legal issues, AIG Travel Insurance Dubai and the UAE cover your legal advice fee and bail bonds, ensuring that you don’t suffer hardship on your trip.
Protecting Your Wallet
If you lose money due to credit card fraud or similar reasons, or lose other essential papers or keys while travelling, AIG travel insurance UAE will cover your financial losses. Moreover, some AIG travel insurance plans also cover financial losses due to mugging.
Personalized Cover
AIG Travel Insurance UAE offers personalised optimisation offers on your cover. For instance, if you are visiting a snowy area, there is a good chance that you may participate in winter sports such as skiing. In that case, AIG travel insurance will cover the cost of skiing equipment and any injury cost while skiing. Besides, it also covers ski hire and unused ski packs.
With all their attractions, mountainous regions are prone to avalanches and other such hazards. To cover you against such hazardous events, AIG travel insurance UAE provides avalanche closure protection, ensuring that you don’t lose money in receiving treatment for injury incurred in the event.
Protection against terrorism
Many countries on the map have been deemed unsafe regions by the UN. However, a person may be required to travel to these for unavoidable reasons. AIG travel insurance, in such cases, ensures that your finances remain unaffected if you are a victim of any terrorist activity by providing you with financial cover against terrorist activities.
24/7 Support
AIG Travel Insurance UAE ensures that you don’t have to wait to raise a claim in case of an emergency. To provide you with instant support worldwide, AIG delivers 24/7 customer support that makes it easier for you to submit a claim without waiting.
Schengen Compliant
Travel Insurance for Schengen visa countries refers to those 26 countries in Europe which have eliminated the national barriers allowing tourists to travel from one country within Europe to the other. These countries, which don’t require separate Visas or passports to travel, include:
Austria
Belgium
Czech Republic
Denmark
Estonia
Finland
France
Germany
Greece
Hungary
Iceland
Italy
Latvia
Liechtenstein
Lithuania
Luxembourg
Malta
Netherlands
Norway
Poland
Portugal
Slovakia
Slovenia
Spain
Sweden
Switzerland
AIG Travel Insurance UAE is one of those travel insurance providers that provide Schengen-compliant plans to help you in case of any difficulties in the region.
Lower Premium
AIG Travel Insurance UAE provides you maximum coverage on your travel at low premiums, meaning that You can save more money while safeguarding your finances during your travel.
Best Travel Insurance Online
Here is a comprehensive list of cheap travel insurance online plans in UAE :
AIG Travel Insurance provides three types of Travel Insurance plans:
Silver Plan
Gold Plan
Platinum Plan
Silver Plan
AIG Travel Guard Silver Plan provides cover up to USD 50,000 for emergency medical expenses. Besides, you also receive 24-hour support.
Gold Plan
AIG Travel Guard Gold Plan is a more comprehensive travel insurance plan that includes medical cover and travel inconvenience benefits.
Platinum Plan
AIG Travel Guard Platinum Plan is the most beneficial travel insurance plan which provides you maximum benefits on travel, flight, medical bills, legal affairs, and even protects you against monetary losses. Here is the comparison between the three plans:
Insured Event
Platinum Sum Insured/Benefit
Gold Sum Insured/Benefit
Silver Sum Insured/Benefit
Personal Accident Benefits
USD 150,000
USD 25,000
USD 25,000
Accidental Death
100% of sum insured
100% of sum insured
Not Covered
Accidental Death (Common Carrier)
Covered
Covered
100% of sum insured
Permanent Partial Disability
% sum insured per scale
% sum insured per scale
Not covered
Permanent Total Disability
100% of sum insured
100% of sum insured
Not covered
Emergency Medical Expenses (Accident and sickness) Deductible
USD 500,000 USD 100
USD 100,000 USD 100
UD 50,000 USD 100
Dental Expenses (Accident and Sickness) Deductible
USD 1,000 USD 200
USD 1,000 USD 200
USD 1,000 USD 200
Emergency Medical Evacuation
Included under Emergency Medical Expenses
Repatriation of Mortal Remains
USD 10,000
USD 7,000
USD 5,000
Baggage/Personal Effects Per bag Per Item
USD 2,500 USD 1,250 USD 125
USD 1,000 USD 500 USD 50
Not covered
Personal Money Deductible
Included under Baggage/ Personal Effects and up to USD 1,000 (or 5% of the claimed amount)
Included under Baggage/ Personal Effects and up to USD 500 (or 5% of the claimed amount)
Not covered
Baggage Delay after 4 hours
USD 50 Per hour up to USD 1,000
USD 50 Per hour up to USD 500
Not covered
Trip Delay after 4 hours
USD 50 Per hour up to USD 1,000
USD 50 Per hour up to USD 500
Not covered
Personal Liability
$1,000,000
$500,000
Not Covered
Hijacking
USD 250 per hour up to USD 10,000
Not Covered
Not Covered
Emergency Family Travel
USD 2,500
Not Covered
Not Covered
Legal Fee
USD 5,000
Not Covered
Not Covered
Bail Bond
USD 10,000
Not Covered
Not Covered
Loss of Passport
USD 500
Not Covered
Not Covered
Trip Cancellation or curtailment
USD 5,000
USD 2,500
Not Covered
Missed Departure
USD 1,000
Not Covered
Not Covered
24 hour worldwide assistance
Covered
Covered
Covered
Credit Card Fraud
USD 1,000
USD 500
Not Covered
Papers (excluding passport)
USD 100
Not Covered
Not covered
Keys
USD 100
Not Covered
Not Covered
Mugging
USD 100
Not Covered
Not Covered
Hazardous Sports Benefits
The cover for Accidental Death, Permanent Partial Disability, Permanent Total Disability, Emergency Medical Expenses, and Dental Expenses mentioned above will be considered
The cover for Accidental Death, Permanent Partial Disability, Permanent Total Disability, Emergency Medical Expenses, and Dental Expenses mentioned above will be considered
The cover for Accidental Death, Permanent Partial Disability, Permanent Total Disability, Emergency Medical Expenses, and Dental Expenses mentioned above will be considered
Piste Closure
USD 150
USD 150
USD 150
Avalanche Closure
USD 150
USD 150
USD 150
Skis and ski equipment Excess
USD 300 USD 50
USD 300 USD 50
USD 300 USD 50
Ski Hire
USD 500
USD 500
USD 500
Unused Ski Packs
USD 300
USD 300
USD 300
Terrorism Extension
For Accidental Death, Permanent Temporary Disability, and Permanent Total Disability
USD 100,000
USD 25,000
Not Covered
Medical and Dental Expenses
USD 100,000
USD 50,000
Not Covered
Am I Eligible for Purchasing the AIG Travel Guard?
Any individual resident or citizen of the UAE older than three months and younger than 75 years is eligible for AIG Travel Guard coverage. However, the individual owning the policy needs to be at least 18 years old.
AIG Travel Guard Inclusions
Various travel guard plans include different protections:
Silver Plan consists of only medical expenses and personal accident benefits
Gold Plan includes personal accident benefits, medical-related benefits, and travel inconvenience benefits against incidents like loss and delay of baggage, trip delay, personal liability, etc.
Platinum cover includes not only personal accident and medical services but also all attributes of travel inconvenience like hijacking, emergency family travel, legal expenses, missed departure, lost or stolen wallet, etc.
Besides these features, if you are aware of any chances of adventures, hazardous sports, or terrorism in the region before your trip, you can also add protection against hazardous sports, adventure, and even terrorism to any of the plans.
AIG Travel Guard Exclusions
While AIG Travel Guard secures you against most of the unforeseen events, there are some general exclusions that you should be aware of:
AIG will not be liable to pay for any financial losses caused by war, warlike situations, or nuclear attacks.
Your travel guard will not be applicable if you visit another country for training with the military, police, force, or militia.
If you deliberately violate any criminal laws, your travel guard will stand null and void.
Travel Guard will not cover pre-existing medical conditions like hernia or mental disorders, including but not limited to anxiety disorders, eating disorders, psychotic disorders, affective disorders, personality disorders, substance use disorders, somatoform disorders, dissociate disorders, psychosexual disorders, adjustment disorders, organic mental disorders, mental retardation, and autism.
In case you are flying in an owned, hired, or relative’s aircraft
Non-accident related plastic or cosmetic surgery
Pregnancy
Self-inflicted injuries
Sexually transmitted diseases
Travelling against medical advice, travelling to seek medical care, or travelling with a terminal disease
Default or insolvency of the carrier
Documents Required to Purchase AIG Travel Guard
To purchase AIG Travel Guard, you need:
ID proof
Valid residence proof
Passport for proof of nationality
Travel Insurance form
Health certificate if required
Selecting AIG Travel Guard Plan
Before purchasing AIG Travel Insurance online or offline, it is crucial to know about the coverage and premium you require to pay for the policy. You can find the most beneficial plan as per your requirement at the lower premium rate by
Visiting the AIG Travel insurance page
Once you have opened the page, click on ‘get a quote.’
On the next page, mention the nature of the trip, i.e. Single trip or Annual Trip
Then select the coverage option, i.e. individual or family. Select the destination county, the number of travellers, start date and return date, and click on get quote.
Alternatively, you can also find the best quotes for plans suiting your needs the most on policybazaar.ae.
Visit policybazaar.ae
Select travel insurance
Fill in your details and details of the trip in the online form
Select next
How to Purchase AIG Travel Insurance?
You can purchase AIG Travel Guard offline as well as online. To purchase AIG Travel Insurance offline:
Visit the AIG branch
Fill out the travel insurance document
Pay the required premium
For a hassle-free experience from the comfort of your home, you can also choose to purchase AIG Travel Insurance online on the AIG webpage:
Select "get quotes"
Enter the required details
Select the plan that suits you the best
Review and Pay the review to begin your travel cover
You can also purchase AIG Travel Guard at policybazaar.ae
Visit policybazaar.ae
Select travel insurance
Receive quotes after filling in your details in the online form
Select the suitable plan
AIG Travel Insurance Claim Process
You can make your AIG Travel Insurance claim at the AIG webpage:
Visit the AIG webpage
Go to claims
Choose Travel Insurance claim and select the ‘submit claim’ option
You can also raise a claim by calling at +971 4 5096111 or emailing servicecenterme@aig.com.
For urgent medical-related assistance, call +1 817 826 7276.
You can also submit your claim at an AIG branch. To submit a claim offline, you are required to send a written notice of the claim within 90 days from the date of the incident. If you are unable to submit the claim within 90 days, AIG holds the right to deny your claim. Please follow the procedure of claim filing:
The beneficiary or someone on the beneficiary’s behalf must notify the AIG about the claim within the required period.
Complete the claim form with all documents
About Receiving Claims
AIG will process your claim within 7 working days after submitting the form with all the required documents. AIG will directly make the payment to you. In case of accidental death, the claim will be paid to the beneficiary designated by you. However, if you have not designated a person, the payment of claim will be granted to your first surviving beneficiary in the following order:
Spouse
Children (in equal shares)
Parents (in equal shares)
Brothers and sisters (in equal shares)
Executor or administrator
Documents Required to Submit the AIG Travel Insurance Claim
Depending on the eventuality, you need to submit different documents and supporting proof. Here are the documents you need to submit during the AIG travel insurance claim.
For any theft or loss: The theft, damage, or loss must be documented by police or other local authority, and the document should be submitted along with the claim document.
For credit card fraud: In the case of credit card fraud, you should be able to prove the ownership of the card and must possess proof of value. Documents such as receipts, bank statements, or cash-withdrawal slips will be accepted.
For medical expenses: A health report or applicable document prepared by the physician or consulting doctor along with hospital bills and travel insurance document will suffice.
For permanent disability: The test reports, along with the health document prepared by the physician, would be required.
Best Travel Insurance Providers in UAE
AIG Travel Insurance FAQs
Q.1. How long can be one trip in the Annual Multi-trip option?
Annual Multi-trip covers an unlimited number of trips for one year. However, one trip should not be for more than 90 days.
Q.2. What should I do in case of a medical emergency overseas?
In case of a medical emergency, call +1 817 826 7276 and mention your policy number for immediate assistance.
Q.3. Do I need to carry my travel insurance certificate while travelling?
No, all you need is your policy number while travelling.
Q.4. I have lost my travel certificate, where can I find a copy of it?
You can download the travel certificate e-copy on the AIG webpage.
Q.5. Can I cancel my travel guard policy?
Yes, you can easily cancel your travel guard before the effective date of your policy. However, no claims should have been registered on your policy before you make the cancellation.
Q.6. When does my coverage begin?
If you have purchased a single trip policy, the cover will start at the time of booking or the payment of the premium (whichever is later). In case you have purchased the annual multi-trip policy, the cover will begin at the time of booking or the effective date mentioned on the certificate.
Other benefits will apply when you leave the country of residence. Please note that the initial departure point should be the United Arab Emirates.
Q7. Do I get dental cover in my medical expenses with my AIG travel guard?
Yes, AIG travel plans secure you against any dental complications that you may encounter during the trip. However, there is an upper limit to the coverage offered that you need to verify while purchasing your plan.
Q8. Do I get Covid-19 coverage in the AIG travel insurance plan?
Yes, the travel insurance plan from AIG covers the expenses of mandatory quarantine and other medical expenses related to Covid-19 up to USD 250,000.
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