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AIG Travel Guard

Get a quote in less than two minutes and travel with more peace of mind.

Travel Guard Plans

Compare coverage levels and pricing on our most popular plans with our product comparison tool—and find a Travel Guard plan that’s right for you. 

Deluxe Plan

Our top-of-the-line, comprehensive travel coverage that sets the standard.

Preferred Plan

A comprehensive travel plan with superb coverage and service from start to finish.

Essential Plan

Savvy coverage for the budget-minded traveler.

Pack N' Go Plan

Immediate coverage for unplanned trips and adventures

Annual Travel Insurance Plan

Year-round coverage for your travel investments.

Millions of travelers each year trust AIG's Travel Guard to cover their vacations

Travel insurance plans provide coverage for certain costs and losses associated with traveling. Travel Guard ® helps you navigate canceled flights, lost bags, sudden health emergencies, and much more—almost anywhere in the world. Whether you’re planning a two-day getaway, a cruise, an adventure vacation, or a month-long international holiday, our plans help cover travelers and their trip inverstments.

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AIG Travel CEO Jeff Rutledge shares how the underlying risks of travel have changed and what AIG is doing to help companies and individuals manage risks.

Coverage available to residents of U.S. states and the District of Columbia only. These plans provide insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of each policy with your existing life, health, home, and automobile insurance policies, as well as any other coverage which you may already have or is available to you, including through other insurers, as a member of an organization, or through your credit card program(s). If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc .(Travel Guard). California lic. no. 0B93606, 3300 Business Park Drive, Stevens Point, WI 54482,  www.travelguard.com.  CA DOI toll free number: 800-927-HELP.

This is only a brief description of the coverage(s) available. The policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Ave of the Americas, Floor 41, New York, NY, 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.

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AIG Travel Guard Insurance Coverage Review – Is It Worth It?

Christine Krzyszton

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Why Purchase Travel Insurance

Core coverages, optional coverages for an additional fee, aig travel guard and covid-19, additional information — aig travel guard, to other travel insurance companies, to credit card travel insurance, the value of travel insurance comparison websites, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Purchasing insurance for your home, auto, or your life, can be complicated and time-consuming if you want to compare coverages and premium costs between companies. Fortunately, the process of purchasing travel insurance is quite simple , and you can secure immediate coverage within minutes.

It all starts with determining the coverages that most important to you, securing a quote, then making sure you’re purchasing from an established, highly-rated company. One such established travel insurance company is AIG Travel Guard .

With over 25 years of experience and high ratings from premier insurance financial rating company A.M. Best , AIG Travel Guard was named the best travel insurance company of 2020 by Forbes . Its Travel Guard Deluxe policy was also given a top 5-star rating by Forbes’ insurance analysts.

We’ll certainly discuss AIG Travel Guard’s policy offerings in our article today but we also want to discuss why you’d want to purchase travel insurance , whether travel insurance covers COVID-19, the process for obtaining a quote, and additional resources to help ensure you’re receiving good value.

Plus, if you’re wondering if you need to purchase travel insurance or whether you might have enough coverage elsewhere, you’ll want to read on.

While the primary reasons for purchasing travel insurance are to protect your economic investment and to cover unexpected additional expenses you might incur due to trip disruptions, purchasing travel insurance has another, more intangible, purpose.

Purchasing travel insurance can provide peace of mind prior to and during your trip as you won’t be worried that an unforeseen event will result in an economic loss. Knowing you have evacuation insurance when you’re traveling to a remote area on safari, for example, could be tremendously reassuring, even if you never use the coverage.

Here are some sample situations where travel insurance may provide coverage:

• Your sister is diagnosed with a life-threatening illness and you must cancel your trip
• You broke your ankle and will not be able to go on your skiing trip
• You become ill and cannot travel
• You or your traveling companion is terminated or involuntarily laid off from your job
• You are summoned to jury duty or other legal action such as requiring you to appear as a witness

If your trip is expensive, complicated, or you need medical coverage while traveling, a travel insurance policy is a must.

Bottom Line: In addition to protecting your trip investment and covering unexpected expenses due to trip disruptions, travel insurance can also provide peace of mind before and during your travels. 

AIG Travel Guard — Coverages and Policy Options

There’s probably nothing more boring than listing insurance coverages but it’s important to know the types of coverages you can expect when purchasing an AIG Travel Guard policy.

First, AIG Travel Guard offers 3 policy options for U.S. residents (not including NY residents), 3 separate options for NY residents, and 1 policy for Canadian residents.

• Tr avel Guard Essential
• Travel Guard Preferred
• Travel Guard Deluxe
• Travel Guard Essential Expanded — available to NY residents
• Travel Guard Protect Assist — available to NY residents
• Travel Guard Tour, Cruise, & Travel — available to NY residents
• Gold Trip Cancellation Policy — available to Canadian residents

Coverage options and limits will vary by policy, however, you can expect to find the core and optional coverages listed here.

Here are the types of coverages you’ll find offered on AIG Travel Guard policies and the applicable coverage limits for each type of policy.

There are also additional coverages that may be included at no extra charge, depending on the policy type selected. Terms and conditions apply.

• 1 child under 17 per covered adult is included for no extra charge
• Pre-existing conditions waiver
• Trip exchange coverage
• Single occupancy fee coverage
• Evacuation for a security reason
• Non-flight accidental and dismemberment insurance
• Worldwide travel and medical assistance services

You may secure any of the following add-on coverages by paying an additional fee.

• Cancel for Any Reason Insurance — covers trip cancellation for any reason
• Rental vehicle damage — coverage for collision damage when renting a vehicle
• Pet bundle coverage — pet care, medical expenses, and adds pet illness to trip cancellation benefit
• Adventure sports coverage — coverage for higher risk adventure activities
• Increased lodging expense bundle — increases the amount covered under travel inconvenience benefit
• Wedding bundle — coverage when a destination wedding is canceled
• Name a family member bundle — select a traveler to be covered as a family member

Hot Tip: For more information and tips on purchasing travel insurance, start here in our article on travel insurance basics .

Travel insurance , in general, is designed to protect you from financial loss due to unforeseen events that may cause you to cancel your trip, or to cover disruptions that could occur during your journey. It is not meant to cover voluntary trip cancellations due to fear of getting ill.

Voluntary cancellations, including those that are related to the fear of getting ill, are not covered on travel insurance policies. However, there is 1 option for obtaining coverage for voluntarily canceling your trip.

Cancel for Any Reason insurance (CFAR) is an optional coverage that can be added to select travel insurance policies allowing you to cancel your trip for any reason you deem necessary and be covered for partial reimbursement.

AIG Travel Guard offers CFAR coverage as an optional add-on to add to its Preferred and Deluxe plans , with these stipulations:

• Must be purchased within 15 days of the initial trip deposit
• The trip must be canceled more than 48 hours prior to departure
• The full cost of the trip must be insured for at the time of purchase

Cancel for Any Reason insurance does not cover the entire cost of the trip. In this case, to add CFAR insurance to the Deluxe and Preferred plans above, the additional premium would be $53.31 for coverage to cover up to 50% of the trip price. Additional options may be available to cover up to 75% of the cost of your trip.

The above prices are for a single trip 1-week in length for a traveler of 40 years of age at a cost of $3,000.

AIG Travel Guard policies, even without the CFAR insurance add-on, offer coverage for trip cancellations due to COVID-19 related illness and also medical coverage should a covered traveler become sick with COVID-19 during their travels. Terms and conditions apply.

Bottom Line: While trip cancellation, trip interruption, and emergency medical may offer some coverage for illness, you must purchase Cancel for Any Reason insurance to have coverage for canceling a trip due to the fear of getting ill. AIG Travel Guard offers this coverage on its Deluxe and Preferred plans.

Point-of-Sale Availability — In addition to offering travel insurance package policies directly to the public, AIG Travel Guard offers travel insurance products via several travel providers including airlines and various travel services. You’ll find the option to purchase Travel Guard protection during the checkout process with companies such as United Airlines or Frontier Airlines when purchasing a flight and when making a travel purchase via Costco Travel .

Call for Additional Quotes — While AIG Travel Guard does sell annual multi-trip policies, you must call to request a quote. Adventure sports coverage, medevac coverage, and rental vehicle damage coverage quotes are also available via phone.

15-Day Free Look Period — If you decide, after you have reviewed your purchased policy, that you do not want it, you may receive a full refund.

Cruise Insurance Option — AIG Travel Guard offers cruise insurance that includes cruise diversion and other applicable coverages.

Filing a claim — to initiate a claim, you can either call AIG Travel Guard at 866-478-8222 or access travelguard.com to begin the process. You will need your policy number handy. Once your claim is submitted, you can check the status at claims.travelguard.com/status .

How Does AIG Travel Guard Compare

First, know that when purchasing a policy from AIG Travel Guard, you’re buying from a highly-rated established insurance company. Here’s how the company stacks up in relative comparison with other travel insurance companies.

Comparing travel insurance policies can be complicated as coverage limits and prices vary widely. We looked at a 1-week trip to Mexico for a traveler 40 years of age and a total trip cost of $3,000 as criteria for obtaining a quote.

AIG Travel Guard’s Preferred plan, which prices out at around $200, aligns with the John Hancock Bronze policy above. Add in CFAR coverage, however, and the comparison costs are closer to AIG Travel Guard’s $254 premium for its Preferred level plan that also includes CFAR.

This 1 example uses the criteria of a specific trip for an individual traveler of a certain age and may not reflect the same relative premium costs as other comparisons.

Your own individual traveler information, the number of travelers, trip length, destination, state of residence, selected coverages, and the total cost of your trip will ultimately determine the premium cost. Our example is just a narrow snapshot comparison.

Bottom Line: Travel insurance policy coverages and costs vary dramatically. To ensure you’re receiving good value, determine the coverages that are most important to you, compare policy options, and purchase from a reliable company. 

The travel insurance coverages that come complimentary on your credit cards are no substitute for a comprehensive travel insurance policy. With that being said, the coverage that comes with your credit card could be enough to cover some trips.

Here are some examples of trips where you may not need travel insurance and the coverage you have on your credit card could be sufficient.

• The trip consists of only a round trip domestic flight and hotel stay
• The trip is a road trip by car
• The trip does not include any non-refundable trip expenses
• The trip does not have several travel providers involved
• Your health insurance covers you while traveling and you are not worried about having additional medical coverage during your trip

Also, keep in mind that coverage offered on your credit card is generally secondary versus a primary travel insurance policy. This means you must first file a claim with other applicable insurance, including coverage with the airline or travel provider, for example, before the credit card coverage will kick in.

Bottom Line: If you have a significant investment at stake, several travel providers involved, or want medical coverage during your travels, you should purchase a comprehensive travel insurance policy for your trip and not depend on a credit card with travel insurance . 

Travel insurance is widely available and competitive. You won’t have trouble purchasing some level of coverage regardless of your situation. Additionally, there are travel insurance comparison websites that make it easy to find a policy that fits and purchase coverage that is effective immediately.

These travel insurance comparison websites are each easy to use, have qualified people to assist, and all feature policies offered only by highly-rated companies.

Travelinsurance.com

• Instant coverage
• Simple format, easy to secure a quote quickly
• Guarantees the best price for the policy you’re purchasing

Squaremouth

• Features 20 companies with nearly 120 different policy options
• Its customer service team is award-winning
• You can access thousands of customer reviews

InsureMyTrip

• Educational content to assist you in understanding coverages
• Features 21 highly-rated companies
• Licensed agents can answer questions and assist with a claim

Bottom Line: Travel insurance comparison websites provide quick easy access to securing a quote, compare several high-rated travel insurance providers at once, and the benefit of receiving immediate coverage. 

While airlines and travel providers have made significant changes to cancellation, refund, and exchange policies, it’s still important to consider purchasing travel insurance if you’re uncomfortable with the possibility of losing your trip investment or incurring unexpected expenses during your journey.

In addition, if you need medical insurance coverage during your trip, you won’t find that coverage on a credit card or with the airlines — you’ll need to purchase it.

The fact that AIG Travel Guard does not exclude COVID-19 related claims under certain coverages and offers a Cancel for Any Reason add-on is significant as not every travel insurance company can make that claim.

Also, if you have children traveling with you, you may find good value with AIG Travel Guard having those under 17 included for no extra charge (1 per premium-paying adult).

The bottom line when purchasing travel insurance from AIG Travel Guard is that if you can secure the coverages you need at a price you’re comfortable with and you’ll know you’re completing that transaction with a highly-rated established company.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

Frequently Asked Questions

Is aig travel guard a good travel insurance company.

AIG Travel Guard is a highly-rated established travel insurance company. It is rated A by the prominent insurance financial rating company A.M. Best and has been in business for over 25 years.

It was also named the best travel insurance company of 2020 by Forbes.

Does AIG Travel Guard cover trip cancellation?

Yes, AIG Travel Guard will cover trip cancellations but only for covered reasons listed in the policy. Examples of situations that may be covered include becoming ill and having to cancel your trip, being called for jury duty or other covered legal obligation, or your home becomes uninhabitable.

Does AIG Travel Guard cover flight cancellations due to COVID?

AIG Travel Guard, like other travel insurance companies, does not cover canceling a flight due to the fear of getting ill. However, if you become ill from COVID-19 and have to cancel your trip, you may have coverage for trip cancellation, trip interruption, or emergency medical if should become ill during your trip.

How do I make a claim with AIG Travel Guard?

You can file a claim with AIG Travel Guard by calling 866-478-8222 Monday through Friday from 7 a.m. to 7 p.m. CST. You can also initiate a claim online at travelguard.com using your policy number and last name.

Once you have submitted a claim, you can check the status of your claim at claims.travelguard.com/status , using your claim number and last name.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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AIG Travel Guard insurance review: What you need to know

Whether you need an annual plan or a policy for a last-minute trip, travel guard can deliver..

Travel Guard is one of CNBC Select 's picks for best travel insurance , thanks to its wide range of customizable policies. But are any of them right for you? Below, we review the provider and its offers and how they compare to the competition to help you choose the right travel insurance for your next trip.

Travel Guard review

Other insurance offered, how it compares, bottom line, travel guard® travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

24/7 assistance available

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Travel Guard® is a global travel insurance provider specializing in plans for leisure and business travelers. Its online travel insurance packages include five options, from basic and last-minute trip coverage to more comprehensive plans. This allows travelers to pick a plan that best matches their situation.

For example, budget-minded travelers might go for the Essential Plan which offers basic protections, such as trip cancellation, interruption and delay insurance, coverage for lost, damaged and delayed baggage, and medical, evacuation and death coverage.

On the other hand, the Deluxe Plan — the most comprehensive option — adds such extras as missed connection coverage, security evacuation, travel inconvenience benefits and more. It also boosts high limits for essential coverages.

Last-minute travelers can opt for the Pack N' Go Plan which only includes certain post-departure coverages. Or, if you travel often, the Annual Plan can cover your trips throughout the year.

Finally, Travel Guard offers "offline" travel insurance packages, meaning you'll have to call if you're looking for a specialty plan.

Coverage types

Depending on the plan, here are the types of protection Travel Guard can include in your package:

• Trip cancellations
• Trip interruption
• Baggage coverage
• Baggage delay
• Travel medical expenses
• Travel inconvenience benefits (reimbursement for such situations as runway delays, cruise diversion and other unforeseen situations)
• Medical evacuation
• Trip Saver (reimbursement for meals, hotels and transportation if you need to begin your trip sooner due to weather or airline changes)
• Trip exchange (reimbursement in case you have to cancel your trip and book a new one due to covered unforeseen circumstances)
• Security evacuation (due to a riot or civil disorder)
• Flight guard (coverage for accidental death or dismemberment that occurs when traveling by plane)
• Pre-existing medical conditions exclusion waiver

You can also customize your plan with add-ons, such as car rental insurance and "cancel for any reason" coverage .

Travel Guard landed on our list of the best travel insurance companies thanks to its variety of coverage. With plenty of options to choose from, both online and offline, it's easy to build a policy that meets your needs.

Travel Guard also features 24-hour concierge services that you can use to book a new flight in case of an emergency or delay.

The provider's website also offers informational resources — here, you can check travel news, read safety tips and find general travel advice. Additionally, the website lets you modify your plan, file a claim and check its status, or apply for a voucher or refund.

As of writing, Travel Guard doesn't offer any discounts. That's common for travel insurance — you're more likely to find deals when shopping for other types of insurance, such as home and auto insurance .

Travel Guard is a portfolio of travel insurance and travel-related services offered by AIG Travel, a member of American International Group (AIG). AIG also offers life insurance and a variety of business insurance products.

Travel Guard makes it easy to get a travel insurance policy customized to your needs. But before you purchase coverage, it's always a good idea to shop around.

For example, if you're going on a cruise, you might want to look at Nationwide Travel Insurance . The provider advertises cruise-specific insurance with three plan options available. This type of coverage is designed with issues unique to cruises in mind — from ship-based breakdowns to missed pre-pard excursions.

If you're planning a more active trip filled with rock climbing or sky diving, Berkshire Hathaway offers the AdrenalineCare® plan which features coverage for unforeseen costs that result from participating in extreme sports on your trip, as well as reimbursement for sporting equipment delay. Pre-existing conditions are covered under this plan (if you meet qualifying conditions).

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

As you can see, offerings vary by provider. It can be helpful to compare multiple companies and the plans they offer to find what works best for you. It's even better if you gather several quotes to ensure you're getting a good price for your policy.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Travel Guard offers plenty of ways to customize your policy, making it a solid choice for travel insurance. You can also access additional options by giving Travel Guard a call. However, make sure to check out other travel insurance companies too — comparison shopping is essential when picking any type of financial product.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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Travel Insurance

AIG travel insurance review 2024

Jennifer Simonson

Mandy Sleight

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Heidi Gollub

Updated 12:23 p.m. UTC April 16, 2024

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Top-scoring plan

Average cost, medical limit per person, why it’s the best.

Travel Guard Preferred from AIG allows you to customize your policy with a host of available upgrades, including  “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings.

There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million. This is a good option if you’re looking for foreign travel health insurance.

• Bundle upgrades allow you to customize your travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Why trust our travel insurance experts

Our team of travel insurance experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

AIG travel insurance overview

AIG Travel Guard specializes in travel insurance for leisure and business travelers. It has a network of service centers in Asia, Europe and the Americas to provide 24/7 emergency travel assistance. 

AIG travel insurance plans

AIG Travel Guard offers three travel insurance plans, including a last-minute plan for impromptu travelers and an annual plan for those often on the go. 

Here are a few key benefits included with AIG travel insurance plans.

• Trip cancellation: If you need to cancel your trip for a reason listed in your policy, trip cancellation insurance reimburses you for any prepaid, nonrefundable trip expenses, such as flights, hotels and tours.
• Trip delay: Trip delay insurance covers you for extra costs if your travels hit a snag like a canceled connecting flight. This coverage can reimburse you for extra expenses you weren’t anticipating, like a meal and an overnight hotel stay as you wait for a new flight. It can also reimburse you for prepaid expenses for plans you’ll miss by arriving late.
• Travel interruption: If there’s an emergency back home and you need to cut your trip short, this coverage can pay for a last-minute flight back. It can also reimburse you for lost prepaid, nonrefundable expenses for the plans you’ll miss by leaving early.
• Travel medical insurance: If you become sick or injured on your trip, travel medical insurance can pay for your emergency medical expenses. This can include doctor and hospital bills, labwork, X-rays and medication.
• Emergency medical evacuation: If your injury or illness calls for medevac support, emergency medical evacuation insurance will cover the cost of transporting you to the nearest adequate medical facility. 
• Pre-existing medical condition exclusion waiver: If you buy your travel insurance within 15 days of your first trip payment, your plan will not exclude coverage of pre-existing medical conditions. 
• Baggage insurance: This coverage will reimburse you for the depreciated value of your bags and belongings if they are lost, stolen or damaged, up to the limits in your policy. If your bags are delayed for a certain length of time, you will have coverage to buy a few necessities while you wait for your bags to arrive. 
• Travel assistance services: An emergency global assistance team is available around the clock if you need medical or travel help.

AIG Travel Guard Essential plan

The Essential plan is AIG Travel Guard’s most budget-friendly single-trip travel insurance plan. 

If your trip is canceled or interrupted because of the illness, injury or death of you, a traveling companion, a family member or business partner, this plan will reimburse 100% of your prepaid, nonrefundable trip expenses, up to $100,000 per person. 

It also includes up to $15,000 in travel medical insurance and $150,000 in emergency medical evacuation coverage, up to $750 in baggage coverage and $200 in baggage delay and the option to purchase car rental insurance. 

AIG Travel Guard Preferred plan

The Preferred Plan is AIG Travel Guard’s most popular single-trip travel insurance plan. 

In addition to covering everything the Essential plan covers, this plan increases the baggage coverage to $1,000, the baggage delay to $300, the travel medical expense coverage to $50,000 and the emergency evacuation coverage to $500,000. 

This plan also includes up to $2,500 per person in Trip Saver coverage designed to reimburse you for meals, hotels and additional transportation if you need to begin your trip sooner than initially scheduled due to an unforeseen circumstance such as inclement weather or common carrier changes. 

Unlike the Essential plan, the Preferred plan allows travelers to purchase “cancel for any reason” (CFAR) coverage . You can also customize the Preferred plan with enhancements for pets, inconveniences, adventure sports, baggage, wedding guest coverage and a security bundle covering security evacuation and trip cancellation or interruption for political unrest.

AIG Travel Guard Deluxe Plan

The AIG Travel Guard Deluxe Plan offers the most coverage and baggage benefits. Like the Preferred Plan, it covers 100% for trip cancellation and 150% for trip interruption. The Deluxe Plan increases coverage with up to $100,000 for medical expenses, $1,000,000 for emergency evacuation, $100,000 in coverage for a flight accident, $2,500 in lost baggage coverage and $500 in baggage delay. 

Instead of being an optional add-on as it is in the Preferred Plan, Security evacuation is automatically included in the Deluxe plan. This plan also includes up to $100,000 for accidental death or dismemberment when traveling on a flight.

AIG Travel Guard Pack N’ Go Plan Essential Plan

Designed for last-minute travelers, the AIG Travel Guard Pack N’ Go Plan provides immediate coverage for unplanned trips. The plan does not include trip cancellation coverage but does include trip interruption and delay for up to $1,000. It also includes $1,000 in baggage coverage, $25,000 in travel medical expenses and up to $500,000 in emergency evacuation. 

AIG Travel Guard Annual Travel Plan

The Travel Guard Annual Plan is annual travel insurance coverage for multiple trips throughout the year. The plan includes trip interruption, trip delay, missed connection and medical coverage on all trips taken during a 12-month period of time, instead of covering each trip individually. The travel medical expense pays for up to $50,000 in medical expenses while the emergency evacuation covers up to $500,000 in evacuation expenses. 

What isn’t covered by AIG travel insurance

Like every travel insurance plan, AIG travel insurance has exclusions. It is always a good idea to check the fine print before purchasing a plan. Some exclusions to AIG Travel Guard plans include:

• Airline tickets purchased using frequent flyer airline miles or points are not covered. 
• Medical treatments from injuries sustained from alcohol or substance abuse.
• Loss or damage caused by detention, confiscation or destruction by customs.
• Injury sustained by participating in professional athletic events, motor sport or motor racing.
• Baggage loss or damage of eyeglasses or contact lenses. 
• War or an act of war.
• Participating in a riot or civil disorder.

AIG travel insurance rates

The average cost of travel insurance is 5% to 6% of your total trip cost. This can vary based on the age of the traveler, destination, cost of trip, type of plan and any add-on coverage selected. Here are examples of prices for the AIG Travel Guard Deluxe plan.

Compare the best travel insurance companies of 2024

Via TravelInsurance.com’s website

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024 . For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

AIG travel insurance review FAQs

AIG Travel Guard considers COVID-19 a foreseen event so certain coronavirus-related losses may not be covered. If you contract COVID-19 prior to your departure, however, you could be covered for trip cancellation. Likewise, if you contract COVID-19 while traveling and get a confirmed diagnosis from a doctor, you could be covered for medical expenses, trip interruption, trip delay and emergency medical evacuation benefits. 

If coverage for COVID is important to you, compare the best COVID travel insurance plans .

Yes, the AIG Travel Guard Preferred and Deluxe travel insurance plans offer the option to purchase “ cancel for any reason” (CFAR) coverage . The extra coverage allows you to cancel your trip for any reason not otherwise covered by the plan and be reimbursed up to 50% of your prepaid, nonrefundable trip expenses. For this upgrade, you need to purchase CFAR coverage within 15 days of your initial trip deposit and cancel your trip at least 48 hours prior to scheduled departure.

Yes, several AIG Travel Gaurd’s travel insurance plans offer a pre-existing medical condition exclusion waiver. The waiver allows for the coverage of some medical issues despite pre-existing conditions.

To qualify for AIG’s pre-existing medical conditions exclusion waiver, you need to buy travel insurance the same day you make your first trip deposit (or shortly thereafter), insure the full value of all prepaid, nonrefundable trip payments and deposits and be medically able to travel at the time you purchase the travel insurance.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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AIG Travel Guard Insurance Review and Costs (2024)

AIG Travel Guard offers a range of plan and upgrade options to protect international travel, but prices are often higher than competitors.

Sarah Horvath is one of the home service industry’s most accomplished writers. Her specialties include writing about home warranties, insurance, home improvement and household finances. You can find her writing published through distributors like HouseMethod, Architectural Digest, Good Housekeeping and more. When not writing, she enjoys spending time in her home in Orlando with her fiance and parrot.

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Travel insurance can compensate you for nonrefundable expenses like flights and lodging if your plans get unexpectedly canceled or other interruptions occur while you’re traveling.

AIG is a reputable travel insurance company offering three levels of coverage for most international trips. But is AIG travel insurance worth the cost? Read on to learn about AIG travel insurance, what you’re likely to pay for coverage, and more.

• Average Cost: $237
• BBB Rating: A+
• AM Best Score: A (excellent)
• Medical Expense Max: $150,000
• Emergency Evacuation Max: $1,000,000

Our Take on AIG Travel Guard Insurance

Overall, we rated AIG Travel Insurance 4.5 out of 5 stars based on our provider review standards. AIG has a reputation for offering quality family coverage, which includes one child under age 17 with the purchase of each adult travel plan. Traveling as a family could save hundreds of dollars.

AIG also sells various add-ons to enhance your policy, including cancel for any reason (CFAR) coverage. While AIG’s pricing is higher than some competitors, its policies include up to $5 million in emergency evaluation coverage, which can be especially beneficial if you’re traveling to a remote area.

87 people out of the 1,000 we surveyed chose Travel Guard. Of those people, 98% said that travel insurance was worth it , with the majority citing peace of mind or flight and baggage coverage as the reason.

Pros and Cons

Compare aig travel guard to other travel insurance companies.

We picked AIG Travel Guard as the top travel insurance provider for families thanks to its group coverage and complementary protection for children under age 17 on some policies. But what if you’re traveling solo or with a partner?

Dozens of travel insurance companies operate across the U.S., each catering to a particular group of travelers. Browse our recommended travel insurance companies using the table below based on different types of travelers.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

What Does Travel Guard Cover?

AIG Travel’s primary product is its comprehensive international AIG Travel Guard travel insurance policies. AIG Travel offers three plan options for most trips.

Travel Guard Essential

The Essential Plan is AIG’s most affordable coverage option, with fewer protections. The plan includes 100% coverage for trip interruption coverage, $50,000 in medical expenses coverage, $150,000 in emergency evacuation coverage, and up to $800 in trip delay coverage. However, the policy does not include a cancel for any reason (CFAR) option.

Travel Guard Preferred

The Preferred Plan offers mid-tier coverage, balancing affordability and protections. Highlights of this plan include 150% coverage for trip interruption coverage, $50,000 in medical expenses coverage, $500,000 in emergency evacuation coverage, and up to $800 in trip delay coverage. The plan also includes limited coverage for baggage loss and delay.

Travel Guard Deluxe

The Deluxe Plan is AIG’s top-of-the-line travel insurance option, best suited for international travelers looking to insure an expensive vacation. Highlights of this plan include 150% coverage for trip interruption coverage, $150,000 in medical expenses coverage, $1 million in emergency evacuation coverage, and up to $1,000 in trip delay coverage. The plan includes comprehensive reimbursement rates for baggage delay and baggage loss, as well as credit card reimbursements if you run into identity theft issues abroad.

Basic AIG Travel Guard Insurance Plans

In addition to the three basic Travel Guard options, AIG has two specialty plans for travelers with unique needs.

• Pack-N-Go: Pack-N-Go travel insurance provides immediate travel insurance coverage for unplanned or sudden trips. Coverage is less inclusive than the Travel Guard Essential. For example, trip interruption coverage maxes out at 100% of the trip value or $1,000, whichever is lower. This is true for all excursions, regardless of total price. While Pack-N-Go coverage includes more exclusions, it is affordably priced and you can buy it up to the day you travel.
• Annual Travel Insurance Plan: If you’re a frequent traveler, AIG offers an annual travel plan that offers general protections without the need to buy a policy each time you leave the country. The annual plan includes trip cancellation coverage for 100% of trip costs up to $2,500, up to $500 in missed connections coverage, up to $1,500 in trip delay cancellation, accidental death and dismemberment up to $50,000, and additional protections. These limitations are instituted per trip, while you pay an annual premium to cover all excursions.

All Travel Guard plans include around-the-clock travel assistance services, an invaluable service if you have a missed connection or need medical assistance in a country where you don’t speak the official language.

Read More: Travel Insurance For Parents Visiting The USA

Like any insurance company, AIG will not cover every situation you might run into abroad. While there are exclusions on every policy, you can extend your coverage with riders. Insurance riders are add-on coverages you can buy in addition to a standard travel insurance plan that allows you to use your coverage under more circumstances.

AIG sells the following riders to your Travel Guard insurance plans:

• Cancel for any reason (CFAR): CFAR coverage allows you to receive a partial reimbursement on nonrefundable trip costs no matter why you cancel. CFAR add-on coverage is available on the Travel Guard Deluxe and Preferred Plan.
• Pre-existing conditions waiver: A pre-existing medical condition is any illness or injury for which you show symptoms before you sign onto a travel insurance policy. While these conditions are usually excluded from any medical coverage on a travel insurance plan, AIG offers a waiver that allows you to extend benefits to these conditions.
• Flight accident coverage: This rider extends benefits of accidental death and dismemberment and repatriation of remains because of flight accidents and crashes.
• Rental car collision coverage: This rider adds collision coverage, which can be helpful if you rent a car internationally. This coverage does not include the liability coverage your rental car company requires.
• Name your family member: This add-on lets you select one friend or traveling companion to be considered family — and thus be covered by the plan.
• Quarantine bundle: Provides a daily financial allowance if new travel restrictions or government advisories require policyholders to follow an unexpected quarantine.
• Umbrella coverage: Policyholders can extend individual emergency or medical evacuation coverage for a few extra dollars. Umbrella coverage is available for standard medical coverage.

Other add-ons may be available for annual or last-minute trips depending on your destination and personal details. Add-on availability can vary based on your departure date and the first date that you made a payment for your trip.

Policies Offered

Not ready to get a quote for your upcoming trip? View a summary of the coverages included on each major type of plan using the table below.

*All quote information was collected on 3/22/2023 for a 28-year-old traveler visiting Mexico for one week with a total trip cost of $2,000.

How Much Does AIG Travel Guard Insurance Cost?

According to our research, Travel Guard insurance policies cost $237 on average.

To get a better idea of what you can expect to pay for AIG Travel Guard insurance, we requested quotes for seven trips with different destinations and traveler details.

These prices — especially at the higher tiers — are comparatively more expensive than competitors. For example, when we requested quotes for the same plan from competitor Travelex , we received prices between $78 and $122. In comparison, competitor Faye Travel Insurance priced a comprehensive policy option at about $135.

Use the chart below to compare Travel Guard's average cost to competitors:

AIG Travel Guard International Travel Insurance Cost

International travel insurance costs more because expenses are usually higher than non-domestic trips. You must also weigh other countries’ healthcare systems when traveling overseas, as some destinations are less accommodating if you do not have eligible health insurance. If you’re traveling to a more remote country or territory and require medical care, you may also need evacuation services, adding another layer of risk on behalf of the insurance provider.

Travel Guard Domestic Travel Insurance Cost

AIG Travel Guard also offers policies for domestic travel. We collected the following quotes for a 28-year-old traveler who is a resident of Alabama and spending a week in New York, with a trip cost of $2,000. As you can see, pricing for domestic travel was quoted at identical rates to international travel, which may make AIG a less viable choice for domestic travelers interested in affordability first .

Read More: Travel Health Insurance For Visitors To USA

AIG Travel Guard Insurance Reviews

Reviewing financial strength ratings and customer reviews is an important step when choosing a reliable travel insurance provider. AIG maintains an A rating from A.M. Best, indicating it is financially stable enough to continue paying its insurance benefits for the foreseeable future.

The company also has an A+ rating and accreditation from the Better Business Bureau (BBB). However, customer reviews of AIG are largely negative. BBB reviewers gave the company an average of 1.07 out of 5 stars from more than 250 reviews, while 100 Trustpilot users gave AIG 1.4 out of 5 stars .

AIG’s travel insurance department is part of Travel Guard Group, Inc., a Better Business Bureau-accredited business with more than 35 years in business. The Travel Guard Group also maintains a BBB rating of A+, indicating that the company is more likely to respond to consumer complaints in a satisfying way.

Online reviews of AIG’s travel insurance plans on third-party platforms are overall negative. While some customers were pleased with the company’s buying experience and knowledgeable representatives, most customer reviews were from frustrated policyholders dealing with denied claims.

“ Took out overseas car rental insurance with them. Someone drove into the back of my vehicle whilst I was in Spain. The way AIG claims handled this was BRILLIANT. They made the claim process simple, minimizing any stress, and paid in full within a few weeks. ” — Marios via Trustpilot “ I used AIG for trip insurance in October of 2022. The night before my husband and I were to travel, I found out that my father was terminally ill and I, as his P.O.A., was needed at his care facility the next day to sign the papers for his admittance to hospice. No amount of information, medical records or death certificate supplied was sufficed enough for this scam company to refund our trip. Such a disgrace. ” — Anne via Trustpilot “ ...I literally was evacuated because of a hurricane that destroyed the whole area and they said they would cover only $300 which covered only one night at one hotel we had to stay at…Their customer service is downright horrendous. I used them for every trip for the last 12 years (multiple trips a year) and never needed them. The one time I do, they're rude, unhelpful and just refusing to pay… ” — Tom via Trustpilot

Is AIG Travel Guard Insurance A Good Choice?

Overall, Travel Guard has quality travel insurance plans, with up to $150,000 in medical expense coverage, 150% coverage for trip interruption and $1 million in emergency evacuation expenses. AIG’s plans include all the standard protections you’ll find with competitors, plus coverage for a wider range of circumstances. For example, most of AIG’s plans include cancellation for work-related reasons and hurricanes, which are often excluded without riders.

While Travel Guard’s coverage is comprehensive and includes a range of protections not found with other providers, it may not be the best option for budget travelers. Travel Guard protection plans are on the more expensive end of the spectrum, though limited coverage Pack-N-Go plans are competitively priced. If you’re shopping solely based on budget, Travel Guard might not be your best option.

Frequently Asked Questions About AIG Travel Insurance

Is aig a trustworthy company.

Yes, AIG is a trustworthy company with accreditation and an A+ rating from the BBB. AIG also maintains an A rating from A.M. Best, indicating it can pay claims. While some customers post reviews expressing frustration toward AIG rejecting claims, the company is a legitimate insurer. To prevent the potential for denied claims, be sure to review the policy you’re buying to understand what it does and does not cover.

How much does AIG travel insurance cover?

AIG offers a range of travel insurance policies, which include coverage for trip cancellations or interruptions, emergency medical and dental expenses, medical evacuation and repatriation, baggage loss or delay, and more. AIG Travel Guard’s policies are comprehensive and include items like credit card fraud, identity theft and cancellations because of work.

Which is the best company to get travel insurance with?

The best company to buy travel insurance from will depend on your trip. Check out a few of the best travel insurance companies and get a quote from at least three providers to learn more about coverage.

Are AIG and Travel Guard the same?

AIG and Travel Guard are related to each other but are not the same. AIG is a multinational insurance corporation that offers a wide range of insurance products and services, including travel insurance. AIG Travel Guard is a brand of travel insurance offered by AIG. In other words, Travel Guard is a specific type of travel insurance product that is offered by AIG, but it is not the only insurance product offered by the company.

Additional Travel Insurance Reviews

Check out our reviews of other travel insurance companies below:

Methodology: Our System for Rating Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have questions about this page, please reach out to our editors at [email protected] .

More Travel Insurance Reviews

AIG Travel Guard Insurance | Money

W e’ve reviewed Travel Guard from AIG as part of our exploration of the best travel insurance companies of 2023. This review will cover the pros, cons and features of AIG Travel Guard to help you decide if it’s the best travel insurance provider for you.

Best for Add-Ons

AIG travel insurance stands out for its wide variety of add-on options. Travel Guard offers a security bundle, pet bundle, sports bundle and many other add-ons to customize your travel insurance.

AIG Travel Guard Travel Insurance Pros and Cons

AIG Travel Guard is one of many insurance providers that support international travelers while they’re abroad. It isn’t your only option, so let’s take a look at how the company’s policies compare to competitive offerings. Here’s an overview of what you can expect from a Travel Guard travel insurance policy.

• Up to $1 million in evacuation coverage
• Plenty of add-on options
• Optional waiver for pre-existing conditions
• CFAR upgrade doesn't cover the entire trip
• Premiums can get expensive

Pros explained

AIG Travel Guard insurance is highly rated across review platforms. This might be the right insurance company for you if you’re looking for a policy with high coverage for medical evacuations, a range of add-ons and waivers for pre-existing conditions.

$1 million medical evacuation coverage

One of the main reasons people buy travel insurance is to pay for an emergency medical evacuation. If you get sick or injured while abroad, you may need to be evacuated for your safety.

With Travel Guard Deluxe from AIG, you get up to $1 million in coverage for medical evacuations. Travel Guard Preferred offers $500,000 for evacuations, and Travel Guard Essential offers $150,000. That coverage goes toward flights and other costs to get you to a safe location where you can receive high-quality medical care.

Offers a variety of special add-on coverages

AIG Travel Guard Insurance offers a wide variety of add-on coverage options. These riders can be added to your plan to customize your trip. These include:

• Medical bundle: This supplies extra coverage for medical costs and the option to choose your hospital.
• Wedding bundle: This allows you to cancel your trip if a destination wedding is canceled.
• Pet bundle: This provides a daily benefit for the costs of traveling with a dog or cat, plus coverage for veterinary bills.
• Inconvenience bundle: This covers certain problems that don’t end your trip, such as credit card cancellations, closed attractions and trip delays.
• Adventure sports bundle: This removes coverage exclusions for injuries caused by extreme sports such as scuba diving, skydiving and rock climbing.
• Baggage bundle: This gives increased coverage for baggage loss and delays.

Pre-existing medical conditions waiver available for purchase

If you have a pre-existing condition that could lead to medical costs during your trip, Travel Guard offers waivers to extend coverage for those expenses. The waiver must be bought before your trip. It might be worthwhile for travelers with chronic conditions, immune system deficiencies, and other conditions that can make traveling especially dangerous.

Cons explained

AIG travel insurance isn’t right for everyone. Before you buy a Travel Guard plan, you should be aware that you can’t get a full reimbursement when you cancel for any reason and that your premium might be more expensive than other options.

Cancel for Any Reason upgrade only covers 50% of trip costs

Cancel for any reason (CFAR) policies are common with travel insurance companies. This add-on allows you to be reimbursed no matter why you cancel your trip.

A standard travel insurance plan only offers reimbursements for a prescribed list of eligible reasons for canceling. These include medical or weather-related emergencies and the death of a close family member or traveling companion. But with CFAR, you can cancel under any circumstances and still receive coverage — as long as you do so 48 hours before departure.

Unfortunately, AIG Travel Guard with CFAR only offers a 50% reimbursement of your prepaid travel expenses. Other companies offer a higher reimbursement percentage, so consider whether you want more comprehensive protection before signing up for this insurance.

Expensive premiums

AIG Travel Guard is not the cheapest travel insurance company out there. Your exact premium depends on several factors, including your destination, plan type, add-ons and age. But based on our sample quotes, AIG travel insurance plans are slightly more expensive, on average, than other insurers’ plans.

AIG Travel Guard Travel Insurance Plans

Like shopping for the best travel credit cards , choosing the best travel insurance plan takes time and research. The best plan will save you money and give you peace of mind, while the wrong plan could be an unnecessary expense. That’s why looking for insurance companies offering multiple policy options is best.

AIG Travel Guard offers three main plans plus two bonus plans for international travel insurance. Let’s break those options down in detail.

Travel Guard Essential is a very basic travel plan offered by AIG. This budget-friendly plan comes with standard coverage for trip cancellations, interruptions and delays. Medical coverage goes up to $15,000 plus $500 for dental costs and $200 for lost or damaged baggage.

The Essential plan is best for a tourist or short-term traveler who is willing to sacrifice comprehensive coverage for a lower insurance premium. The plan can be beefed up with any of AIG’s add-on bundles.

Travel Guard Preferred is a mid-priced option for someone who wants more coverage. This policy comes with medical coverage of up to $50,000 and evacuation coverage of up to $500,000. Damaged, lost or stolen baggage is covered up to $1,000.

Travel Guard Deluxe, the most expensive plan offered by AIG, comes with a wide range of benefits and includes security evacuation, missed-connection coverage, trip-saver coverage and more. This plan offers up to $1 million for a medical evacuation.

Travel Guard Deluxe is a good choice for someone traveling to rural or dangerous areas. It covers almost any emergency and even includes robust coverage for your beneficiaries in case of a fatal accident.

AIG’s Pack N’ Go plan is designed for travelers who buy their insurance at the last minute. There is no cancellation coverage, but this plan offers up to $25,000 in medical coverage plus $500 for lost or damaged baggage. Buying travel insurance at the last minute is not recommended, but this is a helpful option if you plan a trip quickly.

You can purchase an annual travel insurance plan through AIG. An annual plan is ideal for someone who travels frequently, especially to dangerous areas. With Travel Guard’s annual plan, you’ll get:

• Trip delay coverage: $150 per day, up to $1,500
• Trip interruption coverage: up to $2,500
• Lost baggage coverage: up to $2,500
• Baggage delay coverage: up to $1,000
• Medical expenses coverage: up to $500,000 (dental coverage up to $500)
• Accidental death coverage: up to $50,000
• Emergency evacuations and repatriation of remains: up to $500,000

These benefits apply to multiple trips within the same year. You can renew your coverage annually or cancel at the end of a payment period. Purchasing an annual plan is usually less costly than insuring two trips individually.

AIG Travel Guard Travel Insurance Pricing

AIG travel insurance is comprehensive but on the higher end of the price spectrum. Premiums for Travel Guard Essential and Premium are on par with industry standards. Travel Guard Deluxe is slightly more expensive because of the added coverage that comes with it.

For example, our quote for a month-long vacation in Europe for two people costing around $5,000 came to around $300 with Travel Guard Premium and $560 with Travel Guard Deluxe. Add-on bundles will add a flat rate to that price. Our quotes for the same trip came out to around $150–$300 with other travel insurance companies.

Of course, that’s just an estimation. Your exact premium will vary depending on your travel dates, destination, age, number of people in your party and other factors. AIG family travel insurance goes up in price for each family member added.

Talk to an AIG Travel Guard representative to get a personalized quote for your travel insurance. You can also request a quick quote online for a basic estimate.

AIG Travel Guard Travel Insurance Financial Stability

AIG Travel Guard is an established insurance provider and a publicly traded company. It has an A rating from AM Best, which reflects a high degree of financial strength and stability. AIG also has a rating of A2 from Moody’s and an A+ from Standard and Poor’s. Because Travel Guard is a product of AIG, you should expect this insurer to remain stable in the future.

AIG Travel Guard Travel Insurance Accessibility

Here’s how AIG Travel Guard compares with other top insurers in terms of accessibility.

Availability

AIG travel insurance offers coverage on six continents. You can search for your destination country on AIG’s website to ensure coverage is available, but remember that not all coverage is available in all destinations.

When it comes to buying travel insurance, AIG is only available to residents of the U.S.

Contact information

You can call AIG’s travel insurance phone number any time to get more information about your policy or request help. Both of these numbers have 24/7 availability:

• U.S. toll-free, 1-855-203-5962
• U.S. and international collect, 1-715-345-0505

If you need to file an AIG travel insurance claim, you can connect with a customer service agent online or over the phone. You can also reach AIG by mail at:

Travel Guard

3300 Business Park Drive

Stevens Point, WI 54482

User experience

While it does offer a travel-assistance app, this insurer isn’t as up-to-date with modern technology as other options. Its Travel Assistance app has 2-star ratings on both Google Play and the App Store and is difficult to navigate. The website is also slightly confusing and has several pages stating the same information. On top of that, AIG travel insurance claims must be filed directly with an agent.

However, getting a quote on the AIG website is easy. It takes less than a minute, and you don’t need to provide your name or any contact information.

AIG Travel Guard Travel Insurance Customer Satisfaction

AIG Travel Guard receives a high rate of customer complaints. It’s rated 1.01/5 stars with the Better Business Bureau. Some reviewers report a lack of helpful customer service and problems getting their AIG travel insurance refund for a canceled trip.

Keep in mind that these complaints are fairly standard in the travel insurance industry. Your individual experience will vary depending on your plan and other details.

AIG Travel Guard Travel Insurance FAQ

What does aig travel guard travel insurance not cover.

• Pre-existing conditions (without an optional waiver)
• Traveling against your doctor's advice
• Traveling against warnings about war or other dangerous conditions
• Trip cancellation due to concerns over a COVID-19 outbreak at home or in your destination country. You may be eligible for cancellation coverage if you have a confirmed diagnosis of COVID-19 before your departure.

What is the AIG Travel Guard claims process like?

Is aig travel guard travel insurance worth it, how we evaluated aig travel guard travel insurance.

We evaluated AIG Travel Guard for this review based on several factors, including:

• Range of plan options
• Accessibility
• Customer reviews and complaints
• Claims filing process
• The extent of coverage for the cost

Summary of Money’s AIG Travel Guard Travel Insurance Review

AIG Travel Guard stands out for its variety of add-ons. Its optional bundles allow you to customize your plan to meet your travel needs. While the Deluxe plan is a little more expensive than other options, Travel Guard could be the right choice for you if you value flexibility and extensive coverage.

Whichever insurance policy you choose, be sure to plan ahead and buy your insurance far in advance. Keep an eye out for other ways to save on your trip, including the best travel rewards credit cards and travel booking sites .

© Copyright 2023 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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How to Find the Best Travel Insurance

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards that offer varying levels of travel insurance coverage for purchases made with the card.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

9 Best Travel Insurance Companies of April 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance Companies.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation when unexpected issues arise. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

• Travelex Insurance Services: Best Overall
• Allianz Travel Insurance: Best for Trip Interruptions
• HTH Travel Insurance: Best for Groups
• Tin Leg: Best Cost
• AIG Travel Guard: Best for Families
• Nationwide Insurance: Best for Last-Minute Travel Insurance
• Seven Corners: Best for 24/7 Support When Traveling
• Generali Global Assistance: Best for Medical Emergencies
• Berkshire Hathaway Travel Protection: Best for Specialized Coverage

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

• 100% of the insured trip cost for trip cancellation; 150% for trip interruption
• Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
• $750 in missed connection coverage
• $50,000 in emergency medical and dental coverage
• Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

• Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
• $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
• Up to $1,600 for travel delays
• Emergency medical coverage of up to $75,000
• Epidemic coverage

Generous coverage at the mid- and high-tier levels, and great group discounts

Preexisting conditions coverage is only available at mid- and high-tier plans

• 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
• Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
• Up to $2,000 in coverage for trip delays; $1,000 for missed connections
• $500,000 in coverage per person for sickness and accidents

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

• 100% trip cancellation protection; 150% trip interruption
• $500 per person for lost, stolen or damaged baggage and personal items
• Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
• $100,000 per person in emergency medical coverage, including issues related to COVID-19

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

• Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
• Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
• Up to $1,000 in missed connection and trip delay coverage
• $100,000 in emergency medical coverage

Variety of plans to choose from and coverage available up to a day before you leave on your trip

Limited trip cancellation coverage even at the highest tier

• Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
• $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
• Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
• $150,000 for emergency medical and dental issues

Customer service available 24/7 via text, Whatsapp, email and phone

Cancel for any reason coverage costs extra

• 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
• Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
• Trip delay and missed connection coverage worth up to $1,500
• Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

Generous emergency medical and emergency evacuation coverage

Coverage for those with preexisting conditions is only available on the Premium plan

• 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
• $2,000 in coverage for loss of baggage per person
• $1,000 per person in travel delay and missed connection coverage
• $250,000 in medical and dental coverage per person

In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

• Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
• $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
• Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
• Medical coverage worth up to $50,000

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong June 2024 trip to Spain for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or Travelex, but you can also shop and compare policies with a travel insurance platform. Popular options include:

• TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
• InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Travel Guard ® Direct

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√  Luggage & travel data (Annual Multi-Trip Plan)

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• Renew Annual Travel
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Current Promotion

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Use promo code: aigtgd   for annual multi-trip and single trip plans. .

Promotion is valid till 19 May 2024 .  T&Cs apply.

AIG Travel Assistance Services

Get 24/7 travel assistance exclusively to AIG policyholders. We operate globally across 8 service centres, with a team that is proficient in over 40 languages , providing comprehensive support for travel or medical emergencies abroad. 

Top 3 reasons to buy Travel Guard® Direct

QUICK QUOTE

To get a quick quote, select the destination you are travelling to:.

SINGLE TRIP COVERAGE

The maximum length of each insured trip is 182 days.

ANNUAL COVERAGE

The Insured Policyholder(s) will be covered for an unlimited number of trips made during the Policy Period. The maximum length of each insured trip is 90 days

Policy Type

The policy type shows which people are insured under the policy. You can choose from either Individual or Family cover.

If you choose Individual cover this policy insures you only.

If you choose Family cover this policy insures you and/or your spouse and/or your children.

• Under a Per Trip policy, the family must depart from and return to Singapore on the same itinerary together as a family for cover to apply.
• Under an Annual Multi-Trip policy, cover will apply to you or your spouse whilst travelling separately of each other; however your children must be accompanied by you and/or your spouse for the entire trip for cover to apply.

Group/ Couple

Select this option if you have individuals travelling together on the same dates and to the same destination.

For Group/ Couple up to a maximum of 10 individual policies on the same transaction.

Region 2 Destinations

Brunei Darussalam, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Vietnam

Argentina, Bahrain, Bangladesh, Belize, Bolivia, Brazil, Chile, China (excluding Tibet), Colombia, Costa Rica, Ecuador, El Salvador, Guatemala, Guyana, Honduras, Hong Kong SAR - China, India, Kuwait, Macau SAR - China, Maldives, Mexico, Mongolia, Nicaragua, Oman, Pakistan, Panama, Paraguay, Peru, Qatar, Sri Lanka, Suriname, Taiwan - China, Thailand, United Arab Emirates, Uruguay, Venezuela

Region 3 Destinations

Region 1, Region 2, Australia, Japan, South Korea, New Zealand, Nepal, Tibet - China and the rest of the world.

(Exclude Cuba, Iran, Syria, North Korea or the Crimea region)

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Key Benefits

Before you buy, travel alerts, testimonials.

      COVID-19 Benefits & FAQ

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites ( www.AIG.sg  or  www.gia.org.sg  or  www.sdic.org.sg ).

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Learn more about AIG's Travel Guard Direct

• Policy Wording (issued on/after 24 September 2022)
• Policy Wording (issued on/before 23 September 2022)

Enquiries:  6419 3000 24-hour overseas emergency assistance hotline : 6733 2552 Travel claims : 6224 3698

Enquire online

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AIG On the Go driving app

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AIG Travel Insurance

A complete travel protection that covers flight delay, loss of personal belongings, trip cancellation, medical expenses & more.

Travel Insurance Overview

No matter where your next holiday destination is, we’re here to keep you safe during your holiday.

We provide comprehensive travel insurance protection including COVID-19 coverage for you to fully enjoy your trip.

Our most popular features include

Cashless hospitalisation & medical expenses coverage up to RM1 million (with COVID-19 coverage up to RM700,000)

If your trip is cancelled due to covered events , we’ll reimburse up to RM15,000

Protection for loss of baggage & personal belongings  up to RM8,000

Lump sum payout up to RM400,000

Wherever you are in the world,  we’re ready to help 24/7.

Making claims easier. Submit your claims online in a few easy steps.  Make online claim here>

Instant and easy online purchase  for your next trip.   Buy online here>

COVID-19 Coverage

In the event you are diagnosed with COVID-19, we will provide you COVID-19 coverage including Medical and Emergency Evacuation & Repatriation Expenses up to RM700,000, Travel Cancellation, Travel Curtailment and Quarantine Allowance benefits (applicable to Basic, Standard or Deluxe Plan only).

Medical Expenses (including cashless hospital admission)

If you are hospitalised due to accident or  illness (excluding pre-existing conditions),  AIG Travel Insurance will cover the hospitalisation expenses incurred up to RM1 million. Our travel assistance team is on call by phone to provide you emergency travel assistance, ensuring you receive appropriate medical care.

Comprehensive coverage

AIG Travel Insurance provides you with coverage for domestic and overseas medical expenses, trip cancellation, travel interruptions and delays, emergency medical expenses, medical evacuation costs and lost, damaged or delayed baggage.

Personal Accident cover

You can get lump sum payout up to RM400,000 if you suffer from an accidental death or permanent disablement during your trip with AIG Travel Insurance.

Trip cancellation cover

Don't worry about the costs of transport & accommodation due to your trip cancellation. We’ll reimburse you the non-refundable expenses if your trip is cancelled due to specific events, within a specific time before your departure date.

Natural disasters

AIG Travel Insurance will pay for travel inconveniences related expenses against natural disasters such as earthquakes, floods and volcano eruptions, occurring at the country of travel.

Our own global assistance service

We have a fast and efficient 24-hour Emergency Assistance Team available to assist you in the event of injury following an accident or if you are ill and require hospital attention abroad.

Travel Inconvenience

We provide you coverage for travel inconveniences such as travel delays, loss or damage to your personal belongings, fraudulent use of credit card, car rental excess charges and more.

* Coverage differs according to product & plan. Please refer to policy wording for full details of coverage and exclusions.

Skip The Odds Video | Trip Cancellation

When emergency strikes, your travel plans might have to be cancelled and losing all your non-refundable expenses due to unexpected events is the worst part of travelling. The Skippers learned this the hard way. Keep your trip protected and your wallet healthy with  AIG Travel Insurance !

#AIGSkipTheOdds #AIGJagaYou

*Terms and conditions apply.

SKIP THE ODDS | MEDICAL EXPENSES You'll never know when injuries happen during your travel, so learn from the Skippers and protect yourself against unexpected medical expenses.

SKIP THE ODDS | FLIGHT DELAY Think you’re safe from flight delays? The Skippers thought they were as well. But unlike them, don’t let this be the end of the trip you’ve dreamed about.

SKIP THE ODDS | LOSS OF PERSONAL BELONGINGS Losing a luggage is a hassle. Imagine losing your phone too! Unlike the Skippers, you have the choice to not let this mishap interrupt the rest of your trip.

How we helped our customers - Actual Travel Claim Stories

While traveling in the united kingdom, an insured sustained a hip injury and underwent a surgery...more.

An insured fell while travelling in the United Kingdom and sustained a hip injury. Due to the severity of the injury, the insured underwent a surgery and was discharged two weeks after.

Escorted by an AIG medical nurse, the insured safely returned home to Malaysia. The total cost of medical treatment and repatriation amounted to approximately RM80,000 was fully covered under the insured’s travel policy with us.

* This case is based on a real AIG claim. Name and personal details of the insured have been withheld for privacy purposes.

On his trip to Laos, while golfing, an insured sustained rib fractures, and had to be repatriated home...more

An insured was golfing in Laos and was accidentally knocked over by a buggy. The insured sustained multiple rib fractures with chest contusion and abrasion wounds. Due to the severity of the injuries, the insured was admitted to a hospital in Thailand and was monitored conservatively.

Upon discharge, the insured was repatriated home to Malaysia escorted by an AIG nurse and with special flight arrangements, which included additional oxygen supplies on flight, as well as ground ambulance and wheelchair arrangements. The insured was directly admitted to a medical facility upon touchdown for further medical care.

The medical and repatriation expenses of almost RM40,000 were fully covered under the insured’s travel policy with us.

Read more Actual Travel Claim Stories >

Quote & buy online, before your next trip!

We'll ask you the below information to get a quote & buy online :

Your trip destination and period

How many people to cover

The level of cover you need - View a selection of plans along with sum insured and premium

24/7 Worldwide Travel Assistance

To contact Travel Guard from anywhere in the world, call:

+60 3 2772 5600

Read more about our types of Travel Assistance Services here>

Downloads, Claims

• Product Disclosure Sheet 
• Policy Wording 
• Policy Amendment Form 
• Direct Debit Authorization Form
• Beneficiary Nomination Form 
• Make A Claim 
• Travel Claim Checklist 
• Travel Claim Notification Form 
• Claims Payment Method Form

Please be advised that the military conflict between Russia and Ukraine may impact travel insurance coverages and benefits, and AIG Travel’s ability to provide certain travel-related assistance services, for travel to, from or within the affected areas.

1. What is Travel Insurance?

Travel Insurance is a comprehensive insurance plan for domestic and overseas travel.  The major benefits provided are medical related benefits, personal accidents benefits, travel inconvenience & other travel-related benefits and 24-hours worldwide travel assistance.  Additionally, you can choose to purchase our optional rider benefit which extends your coverage to include your golfing equipments and your participation in special sports such as winter sports activities & scuba diving.

2. How much premium do I have to pay?

The premium varies depending on your choice of plan, destination and duration of cover selected.  Premiums are inclusive of Service Tax (ST) of 8% and is applicable for Domestic trips. 

3. How do I buy my Travel Insurance?

You can buy your Travel Insurance in any of the following method:

1.  Buy online  on our website; or 2.  Locate & contact an agent  to buy

4. Who is eligible to purchase?

(a) A Malaysian citizen, Malaysian permanent resident, or a holder of a valid work permit or employment pass (of which your place of employment must be in Malaysia during the policy period), dependent pass, student pass or long-term social visit pass not including travelling visa (that is issued by the relevant governmental authority in Malaysia), with full rights to enter into and return to Malaysia regardless of medical status; (b) You must be returning to your home (primary residence within Malaysia) at the end of your travel, or be intending to return home on completion of your travel; (c) Your travel pre-arrangements must be made and paid for in Malaysia prior to your trip and your trip must commence in Malaysia; and (d) You need to be a resident in Malaysia.

Any residents of Cuba, Iran, Syria, North Korea or the Crimea region will not allowed to purchase this policy.

5. What are some of the key terms and conditions that I should be aware of?

Importance of disclosure: 

i. You must disclose all material facts which will affect the risk profile such as your age and occupation. ii. Any fraud, deliberate misrepresentation of material facts or non-disclosure of information in connection with the application for this policy or when making a claim will invalidate the policy and any benefit due will be forfeited and any benefit that has previously been paid must be repaid to us in full.

6. When does my coverage for the overseas trip begin?

(a) Travel Cancellation Per Trip plan – 24 hours from the purchase of the policy, unless due to an accident in which cover commences from the policy purchase date. Annual plan – 24 hours from the purchase of the policy or after travel is booked whichever occurs later, unless due to an accident in which cover commences from the travel booking date. Cancellation of a scheduled trip due to death, permanent total disablement or hospitalization must occur within 60 days prior to your original scheduled departure and for other covered events, it must occur within 14 days prior to your original scheduled time of departure. 

(b) Travel Delay and Accidental Death & Disablement within 12 hours prior to departure from Malaysia. 

(c) All other benefits upon departure from Malaysia.

7. I am holding a one-way ticket. Can I purchase Travel Insurance?

Yes. For one-way travel, coverage terminates 5 days upon your departure from Malaysia.

8. Can I buy more than one Travel Insurance policy for the same trip?

If you are covered by more than one policy, we will cover you based on the policy which provides the highest benefit level.

9. Are activities such as winter sports & scuba diving covered?

Our Special Sports rider (optional) extends your coverage if you choose to participate in winter sporting activities & scuba diving (up to 30m), with the proper conduct, guidance and supervision by a licensed operator.*

*Does not involve engaging, practicing or participating in a semi-professional or in a professional capacity or where income or remuneration can be earned from in such sports.

10. Is the benefit payable by per incident or per trip?

Sum insured listed in the schedule of benefit is payable based on per incident.

11. Who do I contact for an emergency assistance or if I need to be admitted to a hospital while overseas?

Please call our 24 Hours, 7 Days worldwide travel assistance at +603-2772 5600.  You may reverse charge the call where this service is available. 

If you are unable to do so during an emergency, seek treatment first, and contact our worldwide travel assistance at +603-2772 5600 as soon as possible.

12. What is the definition of Immediate Family Members?

It refers to the legal spouse, child, parent and their siblings, parent-in-law, grandparent, grandparent-in-law, grandchild, sibling, sibling-in-law, niece or nephew of the insured.

13. I am travelling to multiple countries, do I need to buy a separate plan for each country? Which region should I select?

If you are traveling to multiple destinations within the same trip, you can be covered under one policy.

14. Can I cancel my policy and get a refund?

No refund of premium is allowed once the policy has been incepted.

15. How do I submit a claim and how long does it take to process a claim?

Please click  here  to view our 3 easy steps to make a claim.

It takes 30 working days to process a claim, upon receiving complete documentation and provided that there is no further information or investigation required.

16. What should I do if the airlines loses my baggages?

Lodge a report and seek compensation from the airline. You may file in your  claim  for the loss not compensated by the airline.

17. Will I be covered for an illness that I am already suffering from or have suffered in the past?

No. We do not cover any pre-existing condition occurring within 1 year prior to the policy effective date.

18. Can I continue my medical treatment in Malaysia for injuries sustained overseas?

Yes. If you suffer from a disability while travelling on an overseas trip and subsequently seek follow-up treatment in Malaysia, we will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit (available for Standard and Deluxe plan only).

19. If I fall down overseas but do not seek treatment overseas, can I claim for medical expenses if I seek treatment after returning to Malaysia?

Yes, only if the treatment is sought within 24 hours from the date of arrival in Malaysia. We will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit (available for Standard and Deluxe plan only).

20. Are dental expenses or pregnancy-related matters covered?

No, dental expenses and pregnancy-related matters are not covered, unless they are direct consequences of an accident.

21. I need to cut-short my trip because my father is hospitalized in Malaysia. What am I covered for?

You will be covered for additional cost of travel and accommodation up to an amount of RM 1,000 and/or unused and non-refundable expenses which is paid in advance and not recoverable from any relevant parties.

22. Can I file a claim if my baggage is stolen where it is left outside on a bench while I am checking in?

No, we do not cover for loss of baggage left unattended in any public place, as the policy excludes any failure of the insured to take reasonable efforts to safeguard his/her property.

23. Can I claim for travel cancellation if I cancel my trip because of political unrest at my planned destination?

Yes, travel cancellation covers any event below which occurs within 14 days prior to original scheduled departure which:

(a) leads to widespread violence;

(b) is not due to reasons for purposes of asserting sovereign rights and/or operating on behalf of a sovereign state;puts your life in danger; and

(c) following the advise and/or warning of the Malaysian government or the government of the destination country declaring unsafe conditions for travel through or by general mass media. 

However, this policy excludes strikes or events due to an act of war, assertion of sovereignty, insurrection, revolution and use of military power.

24. What should I do if I lose money whilst abroad?

Yes. You must make a report to the local police within 24 hours after the incident. Please click  here  to view our 3 easy steps to make a claim.

25. Will I be covered if my belongings are pick-pocketed while traveling overseas?

26. does travel insurance cover for natural disasters.

Yes. Natural disasters including but not limited to volcanic eruption, flood, earthquake, tsunami, hurricane or wildfire are covered events under our policy.

27. If I transit in Australia (Cluster 3) during my trip to New Zealand (Cluster 2) but I am not stopping over in Australia, what region should I buy?

If you transit in Australia with no stop over, you may purchase a Cluster 2 plan.

If you transit in Australia with a minimum stop over of 1 night because there is no connecting flight, you may purchase a Cluster 3 plan.

28. Can a child purchase an individual policy and what is the premium and benefits?

A child (aged between 30 days and above and up to 18 years) can purchase an individual policy but the policy must be issued under a parent or legal guardian’s name, i.e. on the life of (OTLO) the child’s name.

For example:

“Jack Tan OTLO Tan Mei Mei”.

The payable premium for a child is the same as for an adult.

Under the Family plan, a child is entitled to 25% of the Accidental Death and Permanent Disablement benefit and all other benefits are payable at 100%.

29. Can I purchase travel insurance after I depart and still be covered?

No. You must purchase the policy prior to your scheduled departure.

30. Can I extend my policy period after the commencement of my trip?

Coverage shall be extended at our sole discretion for up to 30 days from the expiry of the period of insurance without payment of any additional premium if you are hospitalized and/or quarantined overseas as recommended by a doctor or as a result of any circumstances beyond your control which is deemed reasonable by us prohibiting your return to Malaysia prior to the insurance expiry.

31. What is Car Rental Excess Charges benefit?

32. what is golf insurance rider and does the cover extend worldwide.

It covers you for any loss or damage to your golfing equipment and hole-in-one expenses.

Cover is worldwide except for United States of America and/or Canada and to countries where such payment would violate any prohibition or regulation or sanction that has been imposed by the Malaysian Government, the American Government and/or the United Nations.

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• Existing Customers
• Helpful Tips
• MyAIG Account

Travel Insurance

Get 20% Off Your Travel Insurance By Buying Online*

*20% online discount automatically applied to all new business AIG Direct Travel Insurance quotes.

Important Notice:  Please be advised that the military conflict between Russia and Ukraine may impact travel insurance coverages and benefits, and AIG’s ability to provide certain travel-related assistance services, for travel to, from or within Ukraine, Belarus or Russia.

Travel Policies

Help & Advice

Discover The Benefits of AIG Travel Insurance

Annual multi trip travel insurance starting from €2.28 per month[ 4 ]..

With all our travel insurance policies you will also get a wide range of benefits as listed below and in our  product information document .

Quick Claims Process

Our claims process is designed to be quick and hassle-free, so you can get back to enjoying your travels as soon as possible.

• Flexible Cover Options

Choose from a range of plans to fit your specific needs and budget, whether you're traveling solo or with family and friends.

Global Coverage

We provide coverage for trips all around the world, so you can travel with peace of mind no matter where you go.

24/7 Customer Support

Our knowledgeable and friendly customer service team is always available to assist you, whenever you need it

Choose the Best Travel Insurance Policy For You

Pick up a travel policy and explore more with our fantastic cover that provides a range of benefits with a 20% online discount[ 1 ]. If you have private medical insurance that has overseas medical cover, you could save even more with a 25% discount on your travel cover.[ 2 ]

Single Trip Travel Insurance

Take a long weekend away from €6.44 per trip [ 3 ], you can get budget holiday insurance that's quick, simple and cost effective for short term trips up to 120 days.

Annual Multi Trip Travel Insurance 

From only €2.82 per month (€33.89 per year) [ 4 ], travel around Europe as much as you like for up to 12 months, with 17 days of our winter sports or skiing cover free.

Long Stay Travel Insurance

If you're in it for the long haul, more than 3 months and up to 12 months, enjoy peace of mind with our Extended Stay travel insurance; perfect for globetrotters.

Winter Sports Travel Insurance 

Make the most of winter and the various activities it offers with our Ski & Winter Sports cover.

Family Travel Insurance 

Add up to 4 dependents at no extra charge, so you can go on and enjoy your family trip.

Backpacker Travel Insurance 

Get 24/7 emergency assistance as standard so you can span the globe with added piece of mind.

Golf Travel Insurance

Enjoy the fairways around the globe with our excellent cover for Golfers.

Covid-19 Update

Find out what AIG Travel insurance provides cover for in relation to Covid-19.

[1]  20% online discount automatically applied to all new business AIG Direct Travel Insurance quotes. 

[2]  25% discount is subject to owning Private Medical Insurance that provides overseas medical cover for all insured persons for the duration of their time abroad.

[3]  Price of €6.44 is based on an individual buying online aged 18-54 holding Private Health Insurance which provides medical cover for the duration of their time abroad, travelling for 3 days (2 nights) on a European Budget policy. Example correct as of 21/11/2023. 

[4]  Price of €33.89 is based on an individual buying online aged 18-54 holding Private Health Insurance which provides medical cover for the duration of their time abroad on a European Budget policy. Example correct as of 21/11/2023. 

Coronavirus (Covid-19) Notice

Due to the widespread media reports of Coronavirus (Covid-19), and the World Health Organization (WHO) announcement declaring Covid-19 a pandemic, Covid-19 is a foreseen or known event. If you are purchasing a new policy, certain covers will not apply.   AIG Travel insurance provides cover for the following Covid-19 related events:

a)  for trip cancellation  (Section A of the policy document attached) if  1)  an Insured Person,  2)  a person who an Insured Person has booked to travel with  3)  a relative or friend living abroad who an Insured Person had planned to stay with or  4)  a Business Associate has a  confirmed and documented diagnosis of COVID-19*  at the time of departure which prevents the Insured Person from travelling.

b) for medical expenses  (Section B of the policy document) and  cutting your trip short  (Section C of the policy document) coverage if an Insured Person has a  confirmed and documented diagnosis of COVID-19*  whilst on a covered trip to a country that the Department of Foreign Affairs (DFA) has allocated a security status of Normal Precautions or High Degree of Caution to.

Please note that travel to a country that the Department of Foreign Affairs (DFA) has allocated a security status of Avoid Non-Essential Travel or Do Not Travel to is excluded by our policy.

All other Covid-19 related claims are excluded. We encourage AIG travel policyholders to please refer to their  policy wording  for full details or get in touch with us on 1800 344 455 with any further queries. All claims submitted will be assessed in line with the terms, conditions and exclusions clearly detailed in the policy wording.

*Confirmed and documented diagnosis of COVID-19  means a positive PCR or antigen test which has been conducted by a trained clinician. Self-administered antigen tests will not be accepted as a valid confirmation of a positive diagnosis.

Enjoy a Worry-Free Holiday with Travel Insurance From AIG

Travel insurance fedback from aig customers, more than 3 in 4 aig customers would recommend us. [5].

[5] Based on a combined promoter score of 74% in 8,050 AIG new business customers and renewing customers from June 2022 to June 2023.

Customer images are for illustration purposes only and are not reflective of the customer in order to protect their privacy.

• Quick Claim Process

Claims made easy. We'll always aim to make your travel insurance claim as quick and easy as possible.

"SORTED A PROBLEM OTHER COMPANIES STRUGGLED TO."

EDDIE - JANUARY 2024

Whether you're taking a break abroad or enjoying a staycation, we have a policy for you. See our  policy booklet for details.

"IT WAS STRAIGHTFORWARD AND A GOOD SELECTION OF OPTIONS TO FIT PEOPLE'S BUDGETS."

DARREN - JANUARY 2024

24/7 Help & Support

Whenever you need us, our 24/7 emergency assistance helpline are here to help as standard.

"I CONTACTED CUSTOMER SERVICE ABOUT A PROBLEM AND THEY GOT TO ME FAST AND SORTED IT OUT."

CHRISTENA - JANUARY 2024

79% of travel customers are delighted with our service [6]

[6] Based on a combined promoter score of 79% in Q1 2023 AIG new business travel customers

"THE STAFF WERE VERY FRIENDLY AND INFORMATIVE AND ANSWERED ALL MY QUESTIONS.  MY ONLINE EXPERIENCE WAS EQUALLY EXCELLENT."

DEIRDRE - DECEMBER 2023

• 24/7 Support
• Great Customer Service

You Might Also Be Interested In...

What is Travel Insurance?

Travel Insurance is insurance that is designed to protect your health, belongings and the cost of your trip should anything go wrong while you are abroad or in some cases before you leave.

Do You Have Private Medical Insurance?

Having a plan that covers medical treatment while you are abroad, might qualify you for cheaper travel insurance premium. 

Do You Need Car Hire Excess Insurance?

Our Car Hire Excess Insurance can help take care of that nasty bill you may be left with if your rental car becomes damaged or stolen.

Get your great value Travel Insurance today

Frequently asked questions.

You can find a list of our most frequently asked questions on our FAQ page. 

Our insurance policies do not cover pre-existing medical conditions, or travel to or through Cuba, Iran, Syria, North Korea or the Crimea region, or countries where the Department of Foreign Affairs have allocated  a security status of 'avoid non-essential travel' or 'do not travel'.  Other exclusions and conditions may apply so please check the  Policy Wording  for details.

Policy Documents

You can find our Travel Insurance Policy Document and IPIDs including all our historical versions, by following the link below.

Have A Question?

You can contact our customer service team between 9am - 5pm on  1800 344 455 . If you need help with your existing policy or are looking to renew, you can find all your relevant information on our  Existing Customers  page.

Explore Our Travel Tips & Guides

Know more and make better choices - find useful tips and ideas on our travel hubs!

Ski Holidays Guides

Whether you're an experienced skier or a novice hitting the slopes for the first time, our comprehensive guides have everything you need to make your ski trip a success.

Travel Destination Guides & Inspiration

Traveling around Europe or dreaming of exploring South America or embarking on an African safari? We've got you covered with expert tips and things to know before you go.

Car Hire Tips & Advice

Learn how to save money on car rentals and discover must-know tips for a smooth and enjoyable journey. Prepare yourself for a stress-free car rental experience and make the most of your travels.

Backpacking Tips & Advice

Whether you're a seasoned backpacker or planning your first adventure, our expert insights cover everything you need to know. From essential packing lists and practical travel tips to guidance on planning a gap year trip, we have you covered.

Travel Safety Tips & Advice

From practical airport safety measures, navigating last-minute holiday bookings, understanding the risks associated with traveling without insurance, ensuring hotel safety, and handling flight cancellations, our guide equips you with the knowledge to protect yourself and your travels.

Family Travel Tips & Advice

We understand that traveling with children requires careful planning, patience, and creativity. That's why we've curated a comprehensive guide that covers various aspects of family travel.

Terms and Conditions:

[2]  25% discount is subject to owning Private Medical Insurance that provides overseas medical cover for all insured persons for the duration of their time abroad.

[3]  Price of €6.44 is based on an individual buying online aged 18-54 holding Private Health Insurance which provides medical cover for the duration of their time abroad, travelling for 3 days (2 nights) on a European Budget policy. Example correct as of 21/11/2023.

[4]  Price of €33.89 is based on an individual buying online aged 18-54 holding Private Health Insurance which provides medical cover for the duration of their time abroad on a European Budget policy. Example correct as of 21/11/2023. 

[5]  Based on a combined promoter score of 74% in 8,050 AIG new business customers and renewing customers from June 2022 to June 2023.

• Our products are available for Ireland residents only.

• You must be 18 years or over to purchase a policy.

• Your trip must not have already started to purchase a policy from us.

• Upper age limits may apply, depending on the product selected.

• You may wish to compare the terms and conditions of this policy with those of your existing life, health, home and car insurance policies, as well as any other cover which you may already have or is available to you, including through other insurers, as a member of an organization, or through your bank/credit card program(s).

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• Complaints & Feedback

Travel insurance that meets your needs

Millions of travelers rely on Travel Guard® travel insurance from AIG UAE, to help them recover from unexpected circumstances that can interrupt their travel plans. Travel Guard® is a comprehensive insurance plan that caters to travelers worldwide.

Platinum Plan

Silver plan.

Our most comprehensive travel insurance plan going above and beyond Schengen visa requirements.

• Up to $500,000 Emergency Medical Expenses
• COVID-19 Medical Expenses up to $250,000
• Baggage Loss or Damage up to $2,500
• Trip Cancellation up to $5,000
• Up to $1,000 in Travel Delay Cover
• Emergency Family Travel up to $2,500
• Secure Wallet up to $1,000 in Credit Card Fraud
• 24h Worldwide Assistance Services

Our most popular travel insurance plan covering Schengen visa requirements.

• Up to $100,000 Emergency Medical Expenses
• COVID-19 Medical Expenses up to $100,000
• Baggage Loss or Damage up to $1,000
• Trip Cancellation up to $2,500
• Up to $500 in Travel Delay Cover
• Secure Wallet up to $500 in Credit Card Fraud

Our basic travel insurance plan covering Schengen Visa requirements.

• Up to $50,000 Emergency Medical Expenses
• COVID-19 Medical Expenses up to $50,000

Why AIG Travel Guard ® ?

Schengen Visa Compliant

All our three travel Insurance plans (Silver, Gold & Platinum) are Schengen Visa Compliant.

Exceptional Price Tag

Whether you are heading near or far, our annual & single trip covers comes at an affordable price letting you get on with your holiday.

Cover Plans To Suit You

AIG offer 3 types of Travel insurance cover plans with optional additions to ensure that we have a policy to match your needs.

Covid-19 Covered

• COVID-19 Medical Expenses up to $250,000 under Platinum plan
• COVID-19 Medical Expenses up to$100,000 under Gold plan
• COVID-19 Medical Expenses up to$50,000 under Silver plan.
• USD 150 per day, per person for up to 14 consecutive days if you test positive for COVID-19 and are unexpectedly placed into mandatory quarantine while overseas.

Enjoy a worry-free holiday with a comprehensive travel insurance from AIG UAE

Pick up a travel policy and explore more with our fantastic cover that provides a range of benefits.

Get Your Travel Insurance in Dubai, Abu Dhabi & The Rest of Emirates Online From AIG UAE

24/7 worldwide support.

Whenever you need us, our 24/7 emergency assistance helpline are here to help as standard.

Get your Travel Insurance online in 4 easy steps

Provide trip information

Enter details about the trip.

Select the preferred plan

Choose the Silver, Gold or Platinum plan.

Fill out personal details

Provide personal information about the traveller.

Review & Pay

Pay online, and the system will successfully issue the policy.

What is AIG Travel Insurance?

AIG Travel Insurance is insurance that is designed to protect your health, belongings and the cost of your trip should anything go wrong while you are abroad or in some cases before you leave.

Travel Guard FAQs

What is travel guard.

Travel Guard is a travel insurance product, underwritten by American Home Assurance Co (Dubai Branch) a subsidiary of American International Group, Inc (AIG). Travel Guard provides coverage in case of unforeseen circumstances that may force you to cancel or shorten your trip or seek emergency medical treatment while traveling. Your travel insurance also offers coverage for the loss or delay of your baggage, in addition to many other benefits described in the policy, which you can review before making your purchase. All coverage is subject to the policy terms and conditions.

How do I buy a Travel Guard policy?

You can buy a Travel Guard policy via  www.aig.ae .

Who is eligible to be covered under a Travel Guard policy?

Individuals in the age bracket from 3 months to 74 years and 364 days who are residents or citizens the United Arab Emirates.

Is there a special rate for children?

Yes. There is a 50% reduction on standard rates for a person aged between 3 months and 17 years and 364 days.

Does the Travel Guard policy cover a family traveling together? How is family defined?

Yes. There is a family rate under the Travel Guard policy. Family is defined as insured person, his/her spouse, and unlimited number of their children.

What is the Annual Multi Trip option?

The Annual Multi Trip option covers you for one-year period for unlimited number of trips, but each trip should not exceed 90 days.

Who do I contact for an emergency assistance or if I need to be admitted to a hospital while overseas?

For 24-hour emergency assistance or if you need to be admitted to a hospital, please contact  +1 (817) 826 7276  and quote your policy number.

Can I amend my policy?

Yes, the Travel Guard policy can be amended in special cases, but amendment can only be made prior to the departure of the first part of the journey.

Do I have to carry a copy of my certificate of insurance with me while traveling?

No, you don't need to carry a copy of your certificate of insurance with you. All you need is your policy number which can be found on your certificate of insurance.

What do I do if I lose my certificate of insurance?

Please  Click here  to download your certificate of insurance.

When does my coverage begin?

For Trip Cancellation:

• For a single trip policy, cover starts at the time that you book the trip or pay the premium, whichever is later;
• For an  annual multi trip policy  cover starts at the time you book a trip, or the effective date shown on the certificate of insurance, whichever is later.

For other benefits, coverage begins when you leave your country of residence. The initial departure point has to be from the United Arab Emirates.

How will my out-patient medical expenses be paid ?

The medical expenses incurred will be reimbursed to you subject to policy T&Cs. Please retain all original medical bills/invoices, medical reports, and laboratory tests (if applicable) and submit them as part of your claim.

Does the Travel Guard policy cover sports and other similar activities?

Travel Guard policy offers an optional coverage for hazardous & winter sports with 100% loading on standard rates.

Can I cancel my trip for any reason and get all my money back under the “Trip Cancellation” Benefit?

The Trip Cancellation Benefit provides coverage for specific reasons as described in your policy terms and conditions and reason for cancellation should be amongst those reasons for the claim to be covered.

Can I buy a Travel Guard policy, if I have a pre-existing medical condition?

Yes. However, Travel Guard policy has an exclusion for pre-existing medical conditions as detailed in the policy wording.

Does “Baggage & Personal Effects” benefit cover theft?

Yes, Travel Guard policy covers theft (and damage due to an attempted theft) as long as incidence occurs while travelling outside of your country of residence and within the period of insurance as stated in your certificate of insurance. Please refer to the Terms & Conditions of the Travel Guard policy to know more on this benefit.

How do I report a claim?

You can submit your claim online by clicking  here

Alternatively, you can contact our local office with the below contact details:

How long is the claim processing time?

Claims will be processed within 7 working days after you have submitted all the required documentation.

Can I cancel my Travel Guard policy?

Yes, provided it is before the policy effective date as stated in your certificate of insurance and there is no claim registered under your policy.

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Is travel insurance worth it?

April 30, 2024 | 2 min read

Planning a trip and wondering if you need a travel insurance policy? Keep reading to learn more about travel insurance to decide whether it’s right for you.

Key takeaways

• Travel insurance can provide financial protection if things go wrong before or during a trip.
• You might get travel insurance to cover potential losses from trip cancellations or delays, lost baggage or medical issues.
• Factoring in details specific to your trip and balancing with existing coverage might help you decide whether travel insurance is right for you.

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What does travel insurance do?

Travel insurance is a type of specialized protection that might help protect against financial losses from airline delays, medical issues or other unexpected occurrences. Some travel insurance plans focus on specific things, like lost baggage or health care. Others offer a wide range of benefits under a single plan. It’s a good idea to make sure you understand the terms and conditions, because coverage varies.

When might travel insurance be beneficial?

Some of the situations where it can help to have travel insurance include:

Interruptions and cancellations

Trip delay insurance covers food and lodging expenses if you experience an airline delay. Trip cancellation insurance can reimburse your prepaid costs if an illness forces you to cancel entirely.

Baggage issues

Baggage loss coverage can reimburse you if your luggage is lost, stolen, damaged or delayed.

Medical emergencies

Travel health or medical insurance can cover everything from medication to emergency medical evacuation if you become sick or injured when traveling abroad .

When might travel insurance be unnecessary?

There’s no right or wrong time for travel insurance. It depends on your circumstances. But when deciding whether travel insurance is worth it, you can consider things like:

• Type and length of trip: If the trip’s refundable, you might not need extra protection. And a short or cheap trip might not be worth the cost of coverage.
• Your existing coverage: Check existing policies and agreements. If you have coverage through your health insurance provider, credit card issuer or card network, you may not need more.

Considering travel insurance in a nutshell

Travel insurance can offer peace of mind if anything goes wrong before or during a trip. But it may not always be worth it. If you’re considering travel insurance coverage, looking at your situation, your trip and the terms and conditions of your existing insurance policies could help you determine whether the benefits outweigh the costs.

If you’re interested in getting insurance coverage from a credit card, you can check out the benefits that come with Capital One rewards credit cards .

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More From Forbes

How artificial intelligence is changing the way you buy travel insurance.

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Artificial intelligence is changing the way you buy travel insurance. Here's how.

Artificial intelligence is transforming the way you buy travel insurance. From shopping for a policy to filing a claim, there's no part that hasn't been touched by AI.

"AI is revolutionizing travel insurance," says Greg Jung, chief growth officer for Seven Corners . "It's making it more efficient and tailored to individual needs."

Words like "efficient" and "tailored" are rare in the one-size-fits-all, bureaucratic travel insurance industry. For years, consumers had limited choices. And when they filed a claim, it took close to forever to get an answer, much less get paid.

Not anymore.

Jung says AI is doing away with that. The benefits to travelers include:

• Personalized coverage. AI can analyze vast amounts of data on traveler profiles, including travel history, preferences, and even risk factors like age and health conditions. That allows insurers to recommend customized travel insurance plans that provide the right level of coverage for each individual's needs.
• Proactive risk management. AI can analyze data to predict potential disruptions or emergencies that could impact a traveler's trip. This allows insurers to offer assistance, such as medical advice or flight rebooking assistance, in case of unforeseen events.
• Faster claims processing. AI can automate much of the claims process, verifying documents, assessing damages, and expediting settlements. Travelers can be reimbursed for covered expenses much more quickly, especially for straightforward claims.

Behind the scenes, travel insurance companies are also using AI to conduct better risk management. And there are parts of the business where travel insurance companies won't talk about how they use AI, such as in efforts to sell policies on their sites. Travel insurance companies are also hush-hush about how they are analyzing data to set rates and identify patterns in fraudulent claims data.

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This story is a long time coming. Travel insurance companies have been generally slow to adopt AI. You can see artificial intelligence in action in a few places, but in the places that matter to you — such as finding the best policy — there are still some gaps. AI won't fix everything in travel insurance, but it promises to make many things better.

What took travel insurance so long?

Why has AI been slow to catch on in the travel insurance industry? Well, it has — and it hasn't. I wrote about how Allianz was using machine learning to improve its products five years ago .

But across the industry, change has been gradual.

"Travel Insurance is highly regulated," explains Tim Dodge, vice president of marketing at Arch RoamRight . "There are strict policy definitions, communications guidelines and adjudication rules to which we must adhere. For AI to be successful in our industry, it has to be implemented carefully; improving the customer experience while maintaining regulatory compliance."

If you file a travel insurance claim and get frustrated with the time it takes to be settled, it's because of the way travel insurance is set up. There's a lot of required documentation to review in support of the claim.

Dodge says AI can potentially facilitate and speed up the claims handling process and reduce claimants' frustrations, and that's what travel insurance companies are now doing.

Where can you see AI in action right now in travel insurance?

Travel insurance companies are not waiting for the future.

Arch RoamRight’s AI chatbot has been integrated into every aspect of its customer experience, from its phone system to its website and travel agent portal. It's even used as a training tool for new hires, according to Dodge.

At Generali Global Assistance , a carefully trained chatbot helps customers obtain instant assistance, receive accurate information, and navigate policy complexities. "This digitalization empowers our agents to provide personalized support promptly," says Christopher Carnicelli, CEO of Generali Global Assistance.

Allianz Travel Insurance has been using AI to help streamline its claims process for years. It just added a new chatbot for customer support, too. "Our chatbot supports the customer during filing in the event the customer has questions or needs further assistance, and uses AI to qualify the customer’s needs to quickly get them the help they need,” explains Maggie Butler, director of customer experience at Allianz Partners USA.

At Faye Travel Insurance , an AI-powered app helps customers file claims for flight cancellations, baggage delays, and medical emergencies. The app speeds up the claims process, ensuring travelers get paid in hours instead of days. "It's part of our commitment to making travel insurance an integral and personalized part of each traveler’s experience," says Elad Schaffer, Faye's CEO.

Over time, the entire travel insurance industry will embrace AI. But there are exceptions.

Can artificial intelligence help you find the best travel insurance?

AI might help you find a better policy, but you have to know where to look. I tested the major AIs to see how they responded to a sample query, "I'm a 28-year-old woman who lives in New York. I am planning a one-week trip to Paris this summer. Please help me find the best travel insurance."

• Gemini offered two options — Generali and Travel Insured International, but did not show rates or a bookable link. The responses appeared to be based on a news article.
• Meta AI generated a succinct response citing the benefits of travel insurance with key coverage areas.
• Microsoft Copilot showed a generic "how-to" story about travel insurance based on an article I had written for Forbes.
• Hugging Face gave a generic response with advice on how to buy travel insurance.
• Perplexity offered several specific options, including Seven Corners, Nationwide and Travelex. However, it based its quotes on a story on a news site and did not offer a link to buy the policies.

Bottom line: You can't really shop for travel insurance using AI — at least, not yet.

AI doesn't work for everything in travel insurance

In the travel insurance industry, like in other places, artificial intelligence isn't the answer to everything.

For example, at INF Visitor Care , a company that sells travel insurance to those traveling to the U.S., AI is helping automate its claims system. INF applies machine learning to identify emerging trends in claims to design policies that cover customers when they need it for unexpected issues.

"It has revolutionized the way we think about pricing and policy coverages," says PK Rao, CEO of INF Visitor Care .

But when it comes to customer service, AI is not always the best solution.

"We find customers enjoy talking to a live person on chat and phone," adds Rao.

The future of travel insurance and AI is promising

Over the long term, AI promises to reshape the travel insurance business into one that works the way customers expect it to — quickly, nimbly and efficiently.

At least that's what Daniel Green, chief technology officer for Faye Travel Insurance , sees.

"Imagine a world where most insurance claims are processed in hours instead of days," he says. "A computer system can go out and collect all the documentation for you and prepare the paperwork perfectly, ready for a human to make a quick decision on whether to approve it or not."

AI also has the potential to insure you for only what you need — to give you the "perfect" policy.

"AI can prepare it in seconds based on being able to tell a computer in your own words what coverage you need, by having it translated into insurance paperwork-speak for you," he adds.

We aren't quite there yet, but we're getting close.

There's one more thing that is potentially keeping AI from changing travel insurance — and that is customers themselves.

Breanne Armstrong, who is director of insurance intelligence at J.D. Power, says most consumers understand that artificial intelligence and machine learning have a lot of potential, "but there is hesitancy."

Armstrong bases her observation on another study that J.D. Power recently conducted on banking customers and AI. Only 28% of respondents said they believe AI will make their lives better in the next three years. Roughly one-third say it will make no difference, and 17% say it will make their lives worse.

All you have to do is engage with any chatbot to understand those 17% of respondents. Talking to an AI about banking or travel insurance — or anything else, really — can quickly end in frustration.

"There are mixed sentiments," adds Armstrong.

That may well describe how people feel about travel insurance and AI. It could be great. But if it isn't implemented carefully, it could be not so great.

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Home » Europe » Moscow

EPIC MOSCOW Itinerary! (2024)

Moscow is the heart of Mother Russia. Just the mention of this city conjures images of colorful bulbous pointed domes, crisp temperatures, and a uniquely original spirit!

Moscow has an incredibly turbulent history, a seemingly resilient culture, and a unique enchantment that pulls countless tourists to the city each year! Although the warmer months make exploring Moscow’s attractions more favorable, there’s just something about a fresh snowfall that only enhances the appearance of the city’s iconic sites!

If you’re a first-time visitor to Moscow, or simply wanting to see as much of the city as possible, this Moscow itinerary will help you do just that!

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Best Time To Visit Moscow

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Here is a quick look at the seasons so you can decide when to visit Moscow!

The summer months (June-August) are a great time to travel to Moscow to take advantage of the enjoyable mild temperatures. This is considered peak travel season. Bear in mind that hotel prices rise along with the temperatures!

If you’re planning a trip to Moscow during fall (September-November) try to plan for early fall. This way the temperatures will still be pleasant and winter won’t be threatening.

Russian winters (December-February) are not for the faint of heart as Napoleon learned to his peril. Some days the sun will be out for less than an hour, and snow is guaranteed. Although winters are exceptionally cold, this is when you’ll get a true glimpse of the Moscow experience!

The best time to visit Moscow is during spring  (March-May). The temperatures will begin to creep up and the sun begins to shine for significant portions of the day. Hotel rates will also have yet to skyrocket into peak ranges!

With a Moscow City Pass , you can experience the best of Moscow at the CHEAPEST prices. Discounts, attractions, tickets, and even public transport are all standards in any good city pass – be sure invest now and save them $$$ when you arrive!

Moscow is a large city with many accommodation options to choose from. Staying in a location that fits with your travel plans will only enhance your Moscow itinerary. Here is a brief introduction to a few great areas of the city we recommend checking out!

The best place to stay in Moscow to be close to all the action is Kitay-Gorod. This charming neighborhood will put you within walking distance to Moscow’s famous Red Square, thus cutting down on travel time. This will allow you to see more of the city in a shorter amount of time!

It’s surrounded by restaurants, cafes, bars, and shops. If you’re a first-time visitor to Moscow, or just planning a quick weekend in Moscow, then this area is perfect for you!

Another great area to consider is the Zamoskvorechye district. This area of the city offers a blend of new and old Moscow. It has an artsy vibe and there are plenty of fun sites you can explore outside of the main touristy areas of Moscow.

Of course, as in all areas of Moscow, it’s close to public transportation that will quickly connect you with the rest of the city and make your Moscow itinerary super accessible!

Best Airbnb in Moscow – Exclusive Apartment in Old Moscow

Modern and cozy, this apartment is in the heart of Old Moscow. Bordering the Basmanny and Kitay-Gorod districts, this two-bedroom flat is walking distance to the Kremlin and Red Square. Safe, quiet, and comfortable, this is the best Airbnb in Moscow, no question!

Best Budget Hotel in Moscow – Izmailovo Alfa Hotel

The Izmailovo Alfa Hotel is a very highly rated accommodation that provides all the components necessary for a comfortable trip to Moscow. There is an on-site restaurant, bar, fitness center, and an airport shuttle service. The rooms are modern and spacious and are equipped with a TV, heating/air conditioning, minibar, and more!

Best Luxury Hotel in Moscow – Crowne Plaza Moscow World Trade Centre

If you’re touring Moscow in luxury, the Crowne Plaza Moscow World Trade Centre is the hotel for you! Elegantly furnished rooms are equipped with a minibar, flat-screen TV,  in-room safes, as well as tea and coffee making facilities! Bathrooms come with bathrobes, slippers, and free toiletries. There is also an onsite restaurant, bar, and fitness center.

Best Hostel in Moscow – Godzillas Hostel

Godzillas Hostel is located in the center of Moscow, just a short walk from all the major tourist attractions and the metro station. Guests will enjoy all the usual hostel perks such as self-catering facilities, 24-hour reception, Free Wi-Fi, and security lockers. This is one of the best hostels in Moscow and its wonderful social atmosphere and will make your vacation in Moscow extra special!

An important aspect of planning any trip is figuring out the transportation situation. You’re probably wondering how you’re going to get to all of your Moscow points of interest right? Luckily, this sprawling city has an excellent network of public transportation that will make traveling a breeze!

The underground metro system is the quickest and most efficient way to travel around Moscow. Most visitors rely exclusively on this super-efficient transportation system, which allows you to get to pretty much anywhere in the city! It’s also a great option if you’re planning a Moscow itinerary during the colder months, as you’ll be sheltered from the snow and freezing temperatures!

If you prefer above-ground transportation, buses, trams, and trolleybuses, run throughout the city and provide a rather comfortable alternative to the metro.

Moscow’s metro, buses, trams, and trolleybuses are all accessible with a ‘Troika’ card. This card can be topped up with any sum of money at a metro cash desk. The ticket is simple, convenient, and even refundable upon return to a cashier!

No matter which method you choose, you’ll never find yourself without an easy means of getting from point A to point B!

Red Square | Moscow Kremlin | Lenin’s Mausoleum | St. Basil’s Cathedral  | GUM Department Store

Spend the first day of your itinerary taking your own self guided Moscow walking tour around the historic Red Square! This is Moscow’s compact city center and every stop on this list is within easy walking distance to the next! Get ready to see all of the top Moscow landmarks!

Day 1 / Stop 1 – The Red Square

• Why it’s awesome: The Red Square is the most recognizable area in Moscow, it has mesmerizing architecture and centuries worth of history attached to its name.
• Cost: Free to walk around, individual attractions in the square have separate fees. 
• Food nearby: Check out Bar BQ Cafe for friendly service and good food in a great location! The atmosphere is upbeat and they’re open 24/7!

The Red Square is Moscow’s historic fortress and the center of the Russian government. The origins of the square date back to the late 15th century, when Ivan the Great decided to expand the Kremlin to reflect Moscow’s growing power and prestige!

During the 20th century, the square became famous as the site for demonstrations designed to showcase Soviet strength. Visiting the Red Square today, you’ll find it teeming with tourists, who come to witness its magical architecture up close!

The square is the picture postcard of Russian tourism, so make sure to bring your camera when you visit! No matter the season, or the time of day, it’s delightfully photogenic! 

It’s also home to some of Russia’s most distinguishing and important landmarks, which we’ve made sure to include further down in this itinerary. It’s an important center of Russia’s cultural life and one of the top places to visit in Moscow!

In 1990, UNESCO designated Russia’s Red Square as a World Heritage site. Visiting this historic site is a true bucket-list event and essential addition to your itinerary for Moscow!

Day 1 / Stop 2 – The Moscow Kremlin

• Why it’s awesome: The Moscow Kremlin complex includes several palaces and cathedrals and is surrounded by the Kremlin wall. It also houses the principal museum of Russia (the Kremlin Armory).
• Cost: USD $15.00
• Food nearby: Bosco Cafe is a charming place to grat a casual bite to eat. They have excellent coffee and wonderful views of the Red Square and the Moscow Kremlin!

The iconic Moscow Kremlin , also known as the Kremlin museum complex, sits on Borovitsky Hill, rising above the Moscow River. It is a fortified complex in the center of the city, overlooking several iconic buildings in the Red Square!

It’s the best known of the Russian Kremlins – citadels or fortress’ protecting and dominating a city. During the early decades of the Soviet era, the Kremlin was a private enclave where the state’s governing elite lived and worked.

The Kremlin is outlined by an irregularly shaped triangular wall that encloses an area of 68 acres! The existing walls and towers were built from 1485 to 1495. Inside the Kremlin museum complex, there are five palaces, four cathedrals, and the enclosing Kremlin Wall with Kremlin towers.

The Armoury Chamber is a part of the Grand Kremlin Palace’s complex and is one of the oldest museums of Moscow, established in 1851. It showcases Russian history and displays many cherished relics. Definitely make sure to check out this museum while you’re here!

The churches inside the Moscow Kremlin are the Cathedral of the Dormition, Church of the Archangel, Church of the Annunciation, and the bell tower of Ivan Veliki (a church tower).

The five-domed Cathedral of the Dormition is considered the most famous. It was built from 1475–1479 by an Italian architect and has served as a wedding and coronation place for great princes, tsars, and emperors of Russia. Church services are given in the Kremlin’s numerous cathedrals on a regular basis.

The Grand Kremlin Palace was the former Tsar’s Moscow residence and today it serves as the official workplace of the President of the Russian Federation (Vladimir Putin seems to have bagged that title for life) .

Insider Tip: The Kremlin is closed every Thursday! Make sure to plan this stop on your Moscow itinerary for any other day of the week!

Day 1 / Stop 3 – Lenin’s Mausoleum

• Why it’s awesome: The mausoleum displays the preserved body of Soviet leader Vladimir Lenin .
• Cost: Free!
• Food nearby: Khinkal’naya is a charming Georgian restaurant with vaulted ceilings and exposed brick. It’s a popular place with locals and right next to the Red Square!

Lenin’s Mausoleum, also known as Lenin’s Tomb, is the modernist mausoleum for the revolutionary leader Vladimir Lenin. It’s located within the Red Square and serves as the resting place for the Soviet leader! His preserved body has been on public display since shortly after his death in 1924.

It’s located just a few steps away from the Kremlin Wall and is one of the most controversial yet popular Moscow attractions!

Admission is free for everyone, you’ll only need to pay if you need to check a bag. Before visitors are allowed to enter the mausoleum, they have to go through a metal detector first. No metal objects, liquids, or large bags are allowed in the mausoleum!

Expect a line to enter the building, and while you’re inside the building, you’ll be constantly moving in line with other visitors. This means you won’t be able to spend as long as you’d like viewing the mausoleum, but you’ll still be able to get a good look. Pictures and filming while inside the building are strictly prohibited, and security guards will stop you if they see you breaking this rule.

The mausoleum is only open on Tuesday, Wednesday, Thursday, and Saturday – unless it’s a public holiday or a day scheduled for maintenance. The hours it’s open for each day are limited, make sure to check online before you visit to make sure you can fit this into your Moscow itinerary for that day!

Insider Tip: The Lenin’s Museum is there for people to pay their respect; remember to keep silent and move along quickly, it’s not intended for people to congregate around. Also, men are not allowed to wear hats and everyone must take their hands out of their pockets when inside the building.

Day 1 / Stop 4 – St. Basil’s Cathedral

• Why it’s awesome: A dazzling designed cathedral that showcases Russia’s unique architecture. This cathedral is one of the most recognizable symbols of the country!
• Cost: USD $8.00
• Food nearby: Moskovskiy Chaynyy Klub is a cozy cafe serving food items and pipping hot tea; it’s the perfect place to go if you’re visiting Moscow during the winter months!

Located in the Red Square, the ornate 16th-century St. Basil’s Cathedral is probably the building you picture when you think of Moscow’s unique architecture. Its colorful onion-shaped domes tower over the Moscow skyline!

The cathedral was built from 1555-1561 by order of Tsar Ivan the Terrible. It was designed with an iconic onion dome facade and enchanting colors that captivate all who see it. Fun fact: If you’re wondering why Russian churches have onion domes, they are popularly believed to symbolize burning candles!

This iconic cathedral has become a symbol of Russia due to its distinguishing architecture and prominent position inside the Red Square. It’s one of the most beautiful, wonderful, and mesmerizing historical cathedrals in the world!

The interior of the church surprises most people when they visit. In contrast to the large exterior, the inside is not so much one large area, but rather a collection of smaller areas, with many corridors and small rooms. There are 9 small chapels and one mausoleum grouped around a central tower.

Visiting the inside is like walking through a maze, there are even small signs all around the cathedral tracing where to walk, and pointing you in the right direction! The walls are meticulously decorated and painted with intricate floral designs and religious themes.

The church rarely holds service and is instead a museum open for the public to visit.

Insider Tip: During the summer months the line to go inside the cathedral can get quite long! Make sure to arrive early or reserve your tickets online to guarantee quick access into the cathedral!

Day 1 / Stop 5 – GUM Department Store

• Why it’s awesome: This is Russia’s most famous shopping mall! It’s designed with elegant and opulent architecture and provides a real sense of nostalgia!
• Cost: Free to enter
• Food nearby: Stolovaya 57 is a cafeteria-style restaurant with a variety of inexpensive Russian cuisine menu items including soups, salads, meat dishes, and desserts. It’s also located inside the GUM department store, making it very easily accessible when you’re shopping!

The enormous GUM Department Store is located within the historic Red Square. It has a whimsical enchantment to it that sets it apart from your typical department store.

A massive domed glass ceiling lines the top of the building and fills the interior with natural sunlight. There are live plants and flowers placed throughout the mall that give the shopping complex a lively and cheerful feel! A playful fountain sits in the center, further adding to the malls inviting a sense of wonder and amusement!

The GUM department store opened on December 2, 1893. Today, it includes local and luxury stores, including Fendi, Louis Vuitton, Prada, and many more! There are numerous cafes, restaurants, and even a movie theater inside!

For a special treat, head into Gastronom 1. This 1950s-style shop sells gourmet food items, like wine, freshly-baked pastries, cheese, Russian chocolate, and of course, vodka! Also, be on the lookout for a bicycle pedaling ice cream truck with an employing selling ice cream!

The ambiance is simply amazing, a trip to this idyllic shopping mall is an absolute must on any Moscow itinerary!

Insider Tip: Make sure to carry some small change on you in case you need to use the restroom, you’ll need to pay 50 rubles – or about USD $0.80 to use the bathroom in GUM.

Wanna know how to pack like a pro? Well for a start you need the right gear….

These are packing cubes for the globetrotters and compression sacks for the  real adventurers – these babies are a traveller’s best kept secret. They organise yo’ packing and minimise volume too so you can pack MORE.

Or, y’know… you can stick to just chucking it all in your backpack…

Novodevichy Convent | Gorky Park | State Tretyakov Gallery | All-Russian Exhibition Center | Bolshoi Theater

On your 2 day itinerary in Moscow, you’ll have a chance to use the city’s excellent public transportation service! You’ll explore a few more of Moscow’s historic highlight as well as some modern attractions. These sites are a little more spread out, but still very easily accessible thanks to the metro!

Day 2 / Stop 1 – Novodevichy Convent

• Why it’s awesome: The Novodevichy Convent is rich in imperial Russian history and contains some of Russia’s best examples of classical architecture!
• Cost: USD $5.00
• Food nearby: Culinary Shop Karavaevs Brothers is a cozy and simple place to have a quick bite, they also have vegetarian options!

The Novodevichy Convent is the best-known and most popular cloister of Moscow. The convent complex is contained within high walls, and there are many attractions this site is known for! 

The six-pillared five-domed Smolensk Cathedral is the main attraction. It was built to resemble the Kremlin’s Assumption Cathedral and its facade boasts beautiful snowy white walls and a pristine golden onion dome as its centerpiece. It’s the oldest structure in the convent, built from 1524 -1525, and is situated in the center of the complex between the two entrance gates.

There are other churches inside the convent as well, all dating back from many centuries past. The convent is filled with an abundance of 16th and 17th-century religious artworks, including numerous large and extravagant frescos!

Just outside the convent’s grounds lies the Novodevichy Cemetery. Here, you can visit the graves of famous Russians, including esteemed authors, composers, and politicians. Probably the most intriguing gravestone belongs to Russian politician Nikita Khruschev!

The Novodevichy Convent is located near the Moscow River and offers a peaceful retreat from the busy city. In 2004, it was proclaimed a UNESCO World Heritage Site. The convent remains remarkably well-preserved and is an outstanding example of Moscow Baroque architecture! 

Insider Tip: To enter the cathedrals inside the complex, women are advised to cover their heads and shoulders, while men should wear long pants.

Day 2 / Stop 2 – Gorky Central Park of Culture and Leisure

• Why it’s awesome: A large amusement area in the heart of the city offering many attractions!
• Cost: Free! 
• Food nearby: Check out Mepkato, located inside Gorky Central Park for a casual meal in a cozy setting. There are indoor and outdoor seating options and the restaurant is child-friendly!

Gorky Central Park of Culture and Leisure is a large green space in the heart of Moscow. The park opened in 1928, and it stretches along the scenic embankment of the Moskva River. It covers an area of 300-acres and offers a lovely contrast from the compact city center.

You’ll find all sorts of wonderful attractions, from boat rides to bike rentals to tennis courts and ping-pong tables, and much more! there are an open-air cinema and festive events and concerts scheduled in the summer months.  A wide selection of free fitness classes is also offered on a regular basis, including jogging, roller skating, and dancing!

Although many of the options you’ll find here are more suited for outdoor leisure during the summer, you’ll also a selection of winter attractions, including one of Europe’s largest ice rinks for ice-skating!

If you’re trying to decide what to do in Moscow with kids, the park also offers several venues designed specifically for kids. Check out the year-round Green School which offers hands-on classes in gardening and art! You can also feed the squirrels and birds at the Golitsinsky Ponds!

The park is very well maintained and kept clean and the entrance is free of charge, although most individual attractions cost money. There is also Wi-Fi available throughout the park.

With so many attractions, you could easily spend all day here! If you’re only planning a 2 day itinerary in Moscow, make sure to plan your time accordingly and map out all the areas you want to see beforehand!

Day 2 / Stop 3 – The State Tretyakov Gallery

• Why it’s awesome: The gallery’s collection consists entirely of Russian art made by Russian artists!
• Food nearby : Brothers Tretyakovs is located right across the street from the gallery. It’s a wonderfully atmospheric restaurant serving top quality food and drinks!

The State Tretyakov Gallery was founded in 1856 by influential merchant and collector Pavel Tretyakov.  The gallery is a national treasury of Russian fine art and one of the most important museums in Russia!

It houses the world’s best collection of Russian art and contains more than 130, 000 paintings, sculptures, and graphics! These works have been created throughout the centuries by generations of Russia’s most talented artists!

The exhibits range from mysterious 12th-century images to politically charged canvases. The collection is rich and revealing and offers great insight into the history and attitudes of this long-suffering yet inspired people!

All pictures are also labeled in English. If you plan to take your time and see everything inside the museum it will take a good 3-4 hours, so make sure to plan your Moscow trip itinerary accordingly! This gallery is a must-see stop for art lovers, or anyone wanting to explore the local culture and history of Russia in a creative and insightful manner! 

Insider Tip: When planning your 2 days in Moscow itinerary, keep in mind that most museums in Moscow are closed on Mondays, this includes The State Tretyakov Gallery!

Day 2 / Stop 4 – All-Russian Exhibition Center

• Why it’s awesome: This large exhibition center showcases the achievements of the Soviet Union in several different spheres. 
• Food nearby: Varenichnaya No. 1 serves authentic and homestyle Russian cuisine in an intimate and casual setting.

The All-Russian Exhibition Center is a massive park that presents the glory of the Soviet era! It pays homage to the achievements of Soviet Russia with its many different sites found on the property.

The center was officially opened in 1939 to exhibit the achievements of the Soviet Union. It’s a huge complex of buildings and the largest exhibition center in Moscow. There are several exhibition halls dedicated to different achievements and every year there are more than one hundred and fifty specialized exhibitions!

The Peoples Friendship Fountain was constructed in 1954 and is a highlight of the park. The stunning gold fountain features 16 gilded statues of girls, each representing the former Soviet Union republics. 

The Stone Flower Fountain was also built in 1954 and is worth checking out. The centerpiece of this large fountain is a flower carved from stones from the Ural Mountains! Along the side of the fountain are various bronze sculptures.

You will find many people zipping around on rollerblades and bicycles across the large area that the venue covers. It’s also home to amusement rides and carousels, making it the perfect place to stop with kids on your Moscow itinerary! Make sure to wear comfortable shoes and allow a few hours to explore all the areas that interest you!

Day 2 / Stop 5 – Bolshoi Theater

• Why it’s awesome: The Bolshoi Theater is a historic venue that hosts world-class ballet and opera performances!
• Cost: Prices vary largely between USD $2.00 –  USD $228.00 based on seat location.
• Food nearby: Head to the Russian restaurant, Bolshoi for high-quality food and drinks and excellent service!

The Bolshoi Theater is among the oldest and most renowned ballet and opera companies in the world! It also boasts the world’s biggest ballet company, with more than 200 dancers!

The theater has been rebuilt and renovated several times during its long history. In 2011 it finished its most recent renovation after an extensive six-year restoration that started in 2005. The renovation included an improvement in acoustics and the restoration of the original Imperial decor.

The Bolshoi Theater has put on many of the world’s most famous ballet acts! Tchaikovsky’s ballet Swan Lake premiered at the theater in 1877 and other notable performances of the Bolshoi repertoire include Tchaikovsky’s The Sleeping Beauty and The Nutcracker!

Today, when you visit the theater, you can expect a magical performance from skilled singers, dancers, and musicians with the highest level of technique!

If you don’t have time to see a show, the theater also provides guided tours on select days of the week. Tours are given in both Russian and English and will provide visitors with a more intimate look at the different areas of the theater!

The stage of this iconic Russian theater has seen many outstanding performances. If you’re a fan of the performing arts, the Bolshoi Theater is one of the greatest and oldest ballet and opera companies in the world, making it a must-see attraction on your Moscow itinerary!

Godzillas Hostel

Godzillas Hostel is located in the center of Moscow, just a short walk from all the major tourist attractions and the metro station.

• Towels Included

Cosmonautics Museum | Alexander Garden | Ostankino Tower | Izmaylovo District | Soviet Arcade Museum

Now that we’ve covered what to do in Moscow in 2 days, if you’re able to spend more time in the city you’re going to need more attractions to fill your time. Here are a few more really cool things to do in Moscow we recommend!

Memorial Museum of Cosmonautics

• Hear the timeline of the ‘space race’ from the Russian perspective
• This museum is fun for both adults and children!
• Admission is USD $4.00

The Memorial Museum of Cosmonautics is a museum dedicated to space exploration! The museum explores the history of flight, astronomy, space exploration, space technology, and space in the arts. It houses a large assortment of Soviet and Russian space-related exhibits, and the museum’s collection holds approximately 85,000 different items!

The museum does an excellent job of telling the full story of the exciting space race between the USSR and the US! It highlights the brightest moments in Russian history and humanity and is very interesting and fun for all ages!

If you’re a fan of space or just curious about gaining insight into Russia’s fascinating history of space exploration, make sure to add this to your 3 day itinerary in Moscow!

The Alexander Garden

• A tranquil place to relax near the Red Square
• Green lawns dotted with sculptures and lovely water features
• The park is open every day and has no entrance fee

The Alexander Garden was one of the first urban public parks in Moscow! The garden premiered in 1821 and was built to celebrate Russia’s victory over Napoleon’s forces in 1812!

The park is beautiful and well maintained with paths to walk on and benches to rest on. The park contains three separate gardens: the upper garden, middle garden, and lower garden.

Located in the upper garden, towards the main entrance to the park is the Tomb of the Unknown Soldier with its eternal flame. This monument was created in 1967 and contains the body of a soldier who fell during the Great Patriotic War!

The park stretches along all the length of the western Kremlin wall for about half a mile. Due to its central location in the city, it’ll be easily accessible when you’re out exploring The Red Square.

It provides a bit of relief from the city’s high-energy city streets. Bring a picnic lunch, go for a walk, or just sit and people watch, this is one of the best Moscow sites to wind-down and relax!

Ostankino Television Tower

• Television and radio tower in Moscow
• Currently the tallest free-standing structure in Europe
• Make sure you bring your passport when you visit, you can’t go up without it!

For spectacular views of the city, make sure to add the Ostankino Television Tower to your itinerary for Moscow! This impressive free-standing structure provides stunning views of the city in every direction. The glass floor at the top also provides great alternative views of the city!

It takes just 58 seconds for visitors to reach the Tower’s observation deck by super fast elevator. The tower is open every day for long hours and is a great site in Moscow to check out! There is even a restaurant at the top where you can enjoy rotating views of the city while you dine on traditional Russian cuisine or European cuisine!

The tower is somewhat of an architectural surprise in a city that is not known for skyscrapers! To see the city from a new perspective, make sure to add this stop to your Moscow itinerary!

Izmaylovo District

• The most popular attractions in this district are the kremlin and the flea market
• Outside of the city center and easy to reach via metro
• Most popular during the summer and on weekends

Travel outside the city center and discover a unique area of the city! The Izmaylovo District is a popular destination for locals and tourists alike, and one of the coolest places to see in Moscow! The two main attractions we recommend checking out are the Kremlin and the flea market.

The Izmailovo Kremlin was established as a cultural center and molded after traditional Russian architecture. This colorful complex is home to several single-subject museums, including a Russian folk art museum and a vodka museum!

Next to the Kremlin is the Izmailovo open-air market, which dates back to the 17th century! The market is connected to the Izmailovo Kremlin by a wooden bridge. Pick up all your Russian souvenirs here, including traditional handicrafts, paintings, books, retro toys, and Soviet memorabilia!

You will find many hand-made and hand-painted options available at higher prices, as well as mass-produced souvenir options at lower prices!

Museum of Soviet Arcade Games

• Closed on Mondays
• Filled with old arcade games that visitors get to try out!
• The museum also includes a small cafe and burger shop

For something a little different, check out the Museum of Soviet Arcade Games! The museum features roughly 60 machines from the Soviet era, including video games, pinball machines, and collaborative hockey foosball! The machines inside the museum were produced in the USSR in the mid-1970s.

The best part is, most of the games are still playable! Purchase tickets and try the games out for yourself! The museum also has a neat little screening room that plays old Soviet cartoons and an area with Soviet magazines! This unique attraction is a fun addition to a 3 day itinerary in Moscow, and an attraction that all ages will enjoy! 

Whether you’re spending one day in Moscow, or more, safety is an important thing to keep in mind when traveling to a big city! Overall, Moscow is a very safe place to visit. However, it is always recommended that tourists take certain precautions when traveling to a new destination!

The police in Moscow is extremely effective at making the city a safe place to visit and do their best to patrol all of the top Moscow, Russia tourist attractions. However, tourists can still be a target for pickpockets and scammers.

Moscow has a huge flow of tourists, therefore there is a risk for pickpocketing. Simple precautions will help eliminate your chances of being robbed. Stay vigilant, keep your items close to you at all times, and don’t flash your valuables!

If you’re planning a solo Moscow itinerary, you should have no need to worry, as the city is also considered safe for solo travelers, even women. Stay in the populated areas, try and not travel alone late at night, and never accept rides from strangers or taxis without a meter and correct signage.

The threat of natural disasters in Moscow is low, with the exception of severe winters when the temperature can dip below freezing! Bring a good, warm jacket if you visit in Winter.

However, please note that Russian views on homsexuality are far less accepting than those in Western Europe. Likewise, Non-Caucasian travellers may sadly encounter racism in Russia .

Don’t Forget Your Travel Insurance for Moscow

ALWAYS sort out your backpacker insurance before your trip. There’s plenty to choose from in that department, but a good place to start is Safety Wing .

They offer month-to-month payments, no lock-in contracts, and require absolutely no itineraries: that’s the exact kind of insurance long-term travellers and digital nomads need.

SafetyWing is cheap, easy, and admin-free: just sign up lickety-split so you can get back to it!

Click the button below to learn more about SafetyWing’s setup or read our insider review for the full tasty scoop.

Now that we’ve covered all the top things to see in Moscow, we thought we’d include some exciting day trips to other areas of the country!

Sergiev Posad (Golden Ring)

On this 7-hour guided tour, you’ll visit several scenic and historic areas of Russia. Start your day with hotel pick-up as you’re transferred by a comfortable car or minivan to Sergiev Posad. Admire the charming Russian countryside on your drive and enjoy a quick stop to visit the Russian village, Rudonezh!

You’ll see the majestic Saint Spring and the Church of Sergiev Radonezh. You’ll also visit the UNESCO World Heritage Site, Trinity Lavra of St. Sergius, one of the most famous Orthodox sites in Russia!

Lastly, you’ll swing by the local Matreshka market and enjoy a break in a nice Russian restaurant before returning to Moscow!

Day Trip to Vladimir and Suzdal

On this 13-hour trip, you’ll discover old Russia, with its picturesque landscapes and white-stoned beautiful churches! You’ll visit the main towns of the famous Golden Ring of Russia – the name for several cities and smaller towns north-east of Moscow.

Your first stop will be in the town of Vladimir, the ancient capital of all Russian principalities. The city dates back to the 11th century and is one of the oldest and the most important towns along the Ring! Next, you’ll visit Suzdal, a calm ancient Russian town north of Vladimir with only 13,000 inhabitants!

The old-style architecture and buildings of Suzdal are kept wonderfully intact. If you’re spending three days in Moscow, or more, this is a great option for exploring the charming areas outside the city!

Zvenigorod Day Trip and Russian Countryside

On this 9-hour private tour, you’ll explore the ancient town of Zvenigorod, one of the oldest towns in the Moscow region! As you leave Moscow you’ll enjoy the stunning scenery along the Moscow River, and make a few stops at old churches along the way to Zvenigorod.

Upon arrival, you’ll explore the medieval center, including the 14th-century Savvino-Storozhevsky Monastery. Next, you’ll take a break for lunch (own expense) where you’ll have the chance to try out the Russian cuisine! Next, you’ll visit the Museum of Russian Dessert and sip on tea at a Russian tea ceremony.

The final stop of the day is at the Ershovo Estate, a gorgeous place to walk around and enjoy nature!

Day Trip to St Petersburg by Train visiting Hermitage & Faberge

On this full-day tour, you’ll enjoy a a full round trip to St Petersburg where you’ll spend an exciting day exploring another popular Russian city! You’ll be picked up from your hotel in Moscow and be transferred to the train station where you’ll ride the high-speed train ‘Sapsan’ to St Petersburg.

Upon arrival, you’ll start the day by touring the Hermitage Museum and the Winter Palace. Next, you’ll visit the Faberge Museum, where you’ll explore the impressive collection of rare Faberge Eggs! In the afternoon, enjoy a sightseeing boat ride and a traditional 3-course Russian lunch.

If you’re spending 3 days in Moscow, or more, this is an excellent trip to take!

Trip to Kolomna – Authentic Cultural Experience from Moscow

On this 10-hour tour, you’ll escape the city and travel to the historic town of Kolomna! First, you’ll visit the 14th-century Kolomna Kremlin, home to the Assumption Cathedral and an abundance of museums!

Next, enjoy lunch at a local cafe (own expense) before embarking on a tour of the Marshmallow Museum – of course, a marshmallow tasting is provided!  Your final stop is the Museum of Forging Settlements, where displays include armor and accessories for fishing and hunting.

Discover this beautiful Russian fairytale city on a private trip, where all of the planning is taken care of for you!

Stash your cash safely with this money belt. It will keep your valuables safely concealed, no matter where you go.

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Find out what people want to know when planning their Moscow itinerary.

How many days you need in Moscow?

We recommend that you spend at least two or three days in Moscow to take it all in.

What’s the best month to visit Moscow?

The best time to visit Moscow is over the spring, from March to May as temperatures are mild, crowds are thin and prices are reasonable.

What are some unusual things to do in Moscow?

I mean, queuing up to see an almost 100 year old corpse is pretty unsual! Check out Lenin’s Mausoleum if you fancy it!

What are some fun things to do in Moscow?

The Memorial Museum of Cosmonautics is a fun place to explore the famous space race from the perspective of the ‘other side’!

We hope you enjoyed our Moscow itinerary! We’ve made sure to cover all the Moscow must-sees as well as some unique attractions in the city! Our addition of insider tips, favorite food stops, and day trips from Moscow is an added bonus and will guarantee you make the most out of your exciting Russian vacation!

Immerse yourself in the modern and traditional Russian lifestyle! Get lost in museums, witness awe-inspiring architecture, and indulge in Russian cuisine! Spend the day strolling through all of the charming sites of Moscow, admiring the beautiful scenery and discovering the city’s fairytale-like enchantment!

And for transparency’s sake, please know that some of the links in our content are affiliate links . That means that if you book your accommodation, buy your gear, or sort your insurance through our link, we earn a small commission (at no extra cost to you). That said, we only link to the gear we trust and never recommend services we don’t believe are up to scratch. Again, thank you!

Alya and Campbell

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Healthcare in Moscow

This guide was written prior to Russia's 2022 invasion of Ukraine and is therefore not reflective of the current situation. Travel to Russia is currently not advisable due to the area's volatile political situation.

Healthcare in Moscow is organised by the Moscow Health Department. While public healthcare facilities are available, most expats seek out private healthcare at international medical centres. Expats are advised to take out private medical insurance if it is not provided to them by their company.

Subsidised healthcare is provided to everyone living in the country, paid for by the state and the mandatory health insurance system. That said, professionals in the state system are likely to speak little to no English. 

There are several private medical centres in Moscow where English is spoken and where the healthcare is on par with expat standards. These clinics are generally very expensive, so it is highly recommended that expats take out private medical insurance to cover medical costs in Moscow. Most insurance coverage plans will also include evacuation cover for emergencies or life-threatening situations. 

Recommended hospitals in Moscow

Alliance medicale.

www.alliancemedicale.ru Address: Kutuzovsky Ave, 1/7

Intermed Center American Clinic

www.en.intac.ru Address:  4 Monetchikovsky Lane, 1/6, Building 3

International Clinic MEDSI

www.medsi.ru Address:  26 Prospekt Mira, Building 6

European Medical Center

www.emcmos.ru Address:   5 Spiridon'yevskiy Pereulok, Building 1

Further reading

►For more on the Russian healthcare system see our Healthcare in Russia page.

Expat Interviews " The standard is high, but health insurance is essential − both international and local cover tend to be adequate and similar for routine things." Read more about Stephen, a British expat, and his  experience living in Moscow . 

Are you an expat living in Moscow?

Expat Arrivals is looking for locals to contribute to this guide, and answer forum questions from others planning their move to Moscow. Please contact us if you'd like to contribute.

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Is It Safe in Moscow?

Stanislav Solntsev / Getty Images

When you visit Moscow , Russia, you’re seeing one of the world’s largest, and most expensive, capital cities . While there is a history of violent crime against foreign journalists and aid personnel in Russia, a trip to Moscow is usually safe for mainstream travelers. Most tourists in Moscow only face potential issues with petty crime, though terrorism is also a concern. Visitors should stick to the principal tourist areas and abide by the local security advice.

Travel Advisories

• The U.S. Department of State urges travelers to avoid travel to Russia because of COVID-19 and to "exercise increased caution due to terrorism, harassment, and the arbitrary enforcement of local laws."  
• Anyone exploring more of Russia should avoid "The North Caucasus, including Chechnya and Mount Elbrus, due to terrorism, kidnapping,   and   risk of civil unrest." Also, travelers should stay away from "Crimea due to Russia’s occupation of the Ukrainian territory   and   abuses by its occupying authorities."  
• Canada states travelers should use a high degree of caution in Russia due to the threat of terrorism and crime.  

Is Moscow Dangerous?

The Moscow city center is typically safe. In general, the closer you are to the Kremlin , the better. Travelers mainly need to be aware of their surroundings and look out for petty crime. Be especially careful in tourist areas such as Arbat Street and crowded places like the Moscow Metro transit system. The suburbs are also generally fine, though it is advised to stay away from Maryino and Perovo districts.

Terrorism has occurred in the Moscow area, leading authorities to increase security measures. Be more careful at tourist and transportation hubs, places of worship, government buildings, schools, airports, crowds, open markets, and additional tourist sites.

Pickpockets and purse snatching happen often in Russia, perpetrated by groups of children and teenagers who distract tourists to get their wallets and credit cards. Beware of people asking you for help, who then trick you into their scheme. Don’t expect a backpack to be a safe bag bet; instead, invest in something that you can clutch close to your body or purchase a money belt . Always diversify, storing some money in a separate location so that if you are pickpocketed, you'll have cash elsewhere. Keep an eye out for thieves in public transportation, underground walkways, tourist spots, restaurants, hotel rooms and homes, restaurants, and markets.

Is Moscow Safe for Solo Travelers?

Large cities like Moscow in Russia are overall fairly safe if you are traveling alone, and the Moscow Metro public transit is a secure and easy way to get around. But it is still a good idea to follow basic precautions as in any destination. Avoid exploring alone at night, especially in bad areas. You may want to learn some basic Russian phrases or bring a dictionary, as many locals don't speak English. However, in case you need any help, there are tourist police that speak English. Also, exploring with other trusted travelers and locals or on professional tours is often a good way to feel safe.

Is Moscow Safe for Female Travelers?

Catcalling and street harassment are infrequent in Moscow and the rest of Russia and females traveling alone don't usually have problems. There are plenty of police officers on the streets as well. Still, it serves to stick to Moscow's well-lit, public areas, avoid solo night walks, and use your instincts. Women frequenting bars may take receive some friendly attention. Females can wear whatever they want, but those entering Orthodox churches will be required to cover up. Though women in Russia are independent, domestic violence and other inequality issues take place regularly.

Safety Tips for LGBTQ+ Travelers

Russia is not known as a gay-friendly country. However, Moscow is one of the more welcoming cities with a blooming LGBTQ+ community and many friendly restaurants, bars, clubs, and other venues. Hate crimes in Russia have increased since the 2013 anti-gay propaganda law. Openly LGBTQ+ tourists in this conservative country may experience homophobic remarks, discrimination, or even violence, especially if traveling with a partner. Also, while women hold hands or hug publicly—whether romantically involved or not—men should avoid public displays of affection to prevent being insulted or other issues.

Safety Tips for BIPOC Travelers

Moscow  and other big cities in Russia have sizable populations of various cultures, so discrimination against BIPOC travelers is rarer than in other parts of the country where it can become dangerous. Some people living in Russia who are Black, Asian, Jewish, and from other backgrounds have experienced racial discrimination and violence. Tourists won't usually experience overt racism but may be the recipients of some stares. If anyone should bother you, be polite and resist being taunted into physically defending yourself.

Safety Tips for Travelers

Travelers should consider the following general tips when visiting:

• It's best not to drink the tap water. If you do, boil it before drinking, though showering is safe and the amount used to brush teeth is generally not harmful. Mineral water is widely drunk, especially at restaurants, and if you prefer not to have it carbonated ask for “ voda byez gaz” (water without gas).
• If you need emergency assistance in case of fire, terrorism, medical issues, or more, dial 112 in Russia for bilingual operators.
• Be judicious about taking photographs, especially of police or officials. This can potentially bring unwanted attention to yourself by members of law enforcement who won’t mind asking to see your passport. Also avoid snapping photos of official-looking buildings, such as embassies and government headquarters.
• Carry your passport in as secure a manner as possible. If you get stopped for any reason by the police, they can fine or arrest you if you don't have the document with you. Also, keep photocopies of your passport, the page on which your travel visa appears, and any other documents that relate to your stay in Russia.
• Use official taxis only and steer clear of illegal taxi companies, especially at night. Ask your hotel to call a reputable taxi company.

U.S. Department of State. " Russia Travel Advisory ." August 6, 2020.

Government of Canada. " Official Global Travel Advisories ." November 19, 2020.

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