Going abroad? Protect your trip with travel insurance
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The last thing that you should worry about while travelling is something unfortunate. Nevertheless, it is chiefly the first thing on your mind when you are going for a trip. To ensure that you spend your trip enjoying and not worrying, American International Group, Inc. brings you Travel Guard for a safer and happier journey. An illness or any unprecedented event or 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. Besides, it also offers covers for the loss or delay of your baggage. AIG travel insurance gives you maximum coverage, which you can review while purchasing the policy.
Best AIG travel insurance Quotes in UAE
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?
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.
Do not worry about Medical Expenses.
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. If you fall ill or incur an injury, the AIG travel insurance plan in Dubai and the UAE will cover your medical bills. Besides, it also covers emergency medical expenses, dental expenses, emergency medical evacuation, and repatriation of remains.
Travel Safe
When you cover your travel with AIG Travel Insurance Dubai and the UAE, many aspects of your trip are covered such as inconvenience during the journey, baggage loss, delay in the flight or cancellation or curtailment of the trip. If your baggage is stolen or your passport is lost, AIG Travel Insurance will safeguard your financial interest by providing reimbursement for such losses.
Coverage for your flight
A flight delay can cause some notable financial losses. AIG Travel Insurance Dubai and the UAE reimburse you for any monetary losses caused due to flight delay. Besides, AIG is one of the few travel insurance providers that cover you against flight hijacking. In case you miss your flight’s departure, or your trip cancels, the AIG travel insurance will cover you against it as well.
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 covers your legal advice fee and bail bonds, ensuring that you do not suffer on your trip.
Protecting your wallet
If you lose money due to credit card fraud while travelling or lose other essential papers or keys, AIG travel insurance UAE will cover your financial losses. Besides, AIG travel insurance also covers the financial losses you are mugged in.
Personalized Cover
AIG Travel Insurance UAE offers personalized optimization offers on your cover. If you are visiting a snowy area, there is a good chance that you may participate in winter sports such as skiing. 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 its attraction, mountainous regions are prone to avalanches as well. To cover you against such hazardous events, AIG travel insurance UAE provides avalanche closure protection, ensuring that you are not trapped or 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, sometimes it is impossible to avoid a trip to these areas. While the company cannot ensure your safety, AIG travel insurance ensures that your finances remain unaffected if you are a victim of any terrorism activity. AIG Travel Insurance provides you with financial cover against terrorist activities.
24/7 Support
AIG Travel Insurance UAE ensures that you do not have to wait for raising a claim in case of emergency. To provide you with instant support worldwide, AIG delivers 24/7 customer support making it easier for you to submit a claim without waiting.
Schengen Compliant
Schengen is referred 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 do not require separate Visa or passport to travel. These 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 the travel insurance providers, which is Schengen compliant.
Lower Premium
AIG Travel Insurance UAE provides you maximum coverage on your travel at a lower premium. Lower Premium allows you to save more money while safeguarding your finances while travelling.
What are the types of plans offered by AIG Travel Insurance?
AIG Travel Insurance provides three types of Travel Insurance plans:
Silver Plan
Gold Plan
Platinum Plan
Silver Plan
AIG Travel Guard Silver Plan covers up to USD 50,000 for emergency medical expenses. Besides, you also receive 24 hours 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, and legal affairs. Besides, it also protects you against monetary losses. Here is the comparison among 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 1000 USD 200
USD 1000 USD 200
USD 1000 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 5% of the claimed amount
Included under Baggage/ Personal Effects and up to USD 500 5% of the claimed amount
Not covered
Baggage Delay after 4 hours
USD 50 Per hour up to USD 1000
USD 50 Per hour up to USD 500
Not covered
Trip Delay after 4 hours
USD 50 Per hour up to USD 1000
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, 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 to purchase the Travel Guard.
AIG Travel Guard Inclusions
Various travel guard plans include different protections:
Silver Plan will consist of only medical expenses and personal accident benefits
Gold Plan will include personal accident benefits, medical-related benefits, and some travel inconvenience benefits such as loss and delay of baggage, trip delay, personal liability, and personal money
Platinum will include not only personal accident and medical services but will also cover all attributes of travel inconvenience such as hijacking, emergency family travel, legal expenses, missed departure, and wallet
You can also add protection against adventure and hazardous sports, and terrorism to any of the plans
AIG Travel Guard Exclusions
While AIG Travel Guard secures you against many unforeseen events, there is some general exclusion which you should know:
AIG will not be liable to pay for any financial losses caused by war, warlike situation, or nuclear attack
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
In case you are flying in an owned, hired, or relative’s aircraft
Travel Guard will not cover pre-existing medical condition such as 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
non-accident related plastic or cosmetic surgery
Pregnancy
Self-inflicted injuries
Sexually transmitted diseases
Travelling against medical advice or travelling to seek medical care, or travelling with a terminal disease
Default or insolvency of the carrier
Documents required purchasing 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 paying 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
Purchasing AIG Travel Insurance
You can purchase AIG Travel Guard offline as well as online. To purchase AIG Travel Insurance offline:
Visit AIG branch
Fill the travel insurance document
Pay the required premium
For a hassle-free experience, you can also choose to purchase AIG Travel Insurance online on the AIG webpage:
Select on "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
How do I make a claim?
You can make your AIG Travel Insurance claim at the AIG webpage:
Visit AIG webpage
Go to claims
Choose Travel Insurance claim and select ‘submit claim’ option
You can also raise a claim by calling at +971 4 5096111 or emailing at servicecenterme@aig.com
For urgent medical-related assistance, call at +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. If you have not designated a person, then 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
What documents do I require to submit the 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: Health report or applicable document prepared by the physician or consulting doctor along with hospital bills and travel insurance document
For permanent disability: The test reports, along with the health document prepared by the physician
AIG Travel Insurance FAQs
Q.1. How long can be one trip in the Annual Multi-trip option?
Answer: Annual Multi-trip covers an unlimited number of trips for one year. However, one trip should not be more than 90 days.
Q.2. What should I do in case of a medical emergency overseas?
Answer: 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?
Answer: No, while travelling, all you need is your policy number
Q.4. I have lost my travel certificate, where can I find a copy of it?
Answer: You can download the travel certificate e-copy on the AIG webpage
Q.5. Can I cancel my travel guard policy?
Answer: Yes, you can easily cancel your travel guard before the effective date of your policy. Also, no claim should be registered on your policy
Q.6. When does my coverage begin?
Answer: If you have purchased a single trip policy, the cover will start at the time of booking or paying 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, and the initial departure point should be the United Arab Emirates.
