The AIG Travel Guard Basic Plan is a good travel insurance choice for short trips. Its coverage is minimal and affordable but enough to provide all of the basic necessities for peace of mind.
Travel Guard Basic Plan Inclusions
If you must cancel your plans for covered reasons that are beyond your control, this trip insurance policy reimburses you up to the limit for non-refundable deposits and expenses. The same applies if your trip is interrupted and requires you to make additional travel plans or cancel the remainder of your trip. AIG also pays you up to $500 for lost baggage. However, this coverage is secondary to your primary insurance. You must first try to ask the airline cover the bags. If they will not and you have home or renter’s insurance, they will likely cover your lost baggage.
The policy will cover up to the limit minus a $50 deductible if neither of these options work. Another secondary coverage is baggage delay. If your bags are delayed for more than 24 hours and are not covered by a primary insurer or the airline, the policy pays up to $100 for you to buy necessities until the baggage arrives.
Travel Guard Basic Plan Medical Coverages
The plan also comes with medical coverage. There is a $10,000 policy limit and a $50 deductible. This medical coverage applies only if your primary health insurance plan will not cover your medical care abroad. There is no pre-existing condition waiver, and the look-back period for pre-existing conditions is 180 days. Medical evacuation coverage is also included. If you must be evacuated from your destination due to medical reasons that apply to the specific area, the policy pays up to $100,000 to evacuate you. This is also a secondary coverage.
Travel Guard Basic Plan Optional Coverages
You can add rental car collision coverage or accidental death coverage to your trip insurance plan for an extra cost. For accidental death, the plan pays your chosen policy limit to your survivors. You can choose a limit up to $500,000. Rental car insurance comes with a $35,000 limit.
When buying a basic travel insurance plan, it is best to compare policies and terms from different providers before choosing a policy to buy. Also, read non-biased reviews about trip insurance companies before making a final decision.