Going abroad? Protect your trip with travel insurance

AIG Travel Insurance Dubai

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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.