AIG Travel Insurance Dubai

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  • Covers baggage, passport loss & more
  • Covers flight cancellation & delays
  • Exciting vouchers up to AED 2,000
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. 

Best AIG Travel Insurance 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?

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. 

travel-insurance

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 :

Plan Name  Medical Cover Max Duration Starting from Price
Alliance Insurance AED 150,000 90 days/trip AED 33
Orient Insurance AED 150,000 92 days/trip AED 183
See More Plans >>

Types of AIG Travel Insurance Plans

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

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RSA Travel Insurance Union Travel Insurance Emirates Travel Insurance AXA Travel Insurance

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. 

Travel Insurance Reviews & Ratings

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