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AIG Travel Insurance

Find cover for your trip within Australia or overseas with AIG. Cover for senior travellers over 70 available.

Whether you are taking an interstate camping trip or heading off to Europe for six months, it is crucial to have the right travel cover in place to ensure you are protected for any unforeseen events. Every year there are hundreds of stories of travellers forced to pay tens of thousands in medical bills for illness or injury that has occurred in foreign countries or left devastated after the loss of valuable items. Finding the right travel insurance policy is not simply a matter of choosing the policy with the lowest premium. It requires considering what you really need to be covered for and being confident in the provider that you have chosen.

One such company that continues to manage the travel cover needs of Australians and travellers worldwide is AIG. This review will offer some background on AIG and the range of products they have available to applicants.

Comparison of AIG Travel Insurance Policies

Brands Product Product Details Apply
AIG One Trip International

Unlimited cancellation fees and lost deposits

Unlimited overseas medical expenses

$15,000 luggage and personal effects

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AIG One Trip Domestic

$10,000 cancellation fees and lost deposits

$4,000 rental vehicle excess

$10,000 accidental death

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AIG Annual Multi-Trip Domestic

Unlimited cancellation fees and lost deposits cover

$15,000 luggage cover

$4,000 rental vehicle excess

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AIG Annual Multi-Trip International

Unlimited cancellation fees and lost deposits

$15,000 luggage and personal effects

$4,000 rental vehicle excess

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AIG Mature Age

Premium savings of up to 20% available

Cover for +70 travellers

$8,000 luggage and personal effects

$6,000 rental vehicle excess

Cancellation fees and lost deposits

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AIG Policy Overview

International single trip cover will protect you for the duration of travel stated on your certificate of insurance. This policy can provide cover for a range of different countries under the single policy though applicants should state where they intend to spend the majority of their time abroad. Applicants can include dependent children under the age of 25 on their policy and also have the option to take out family cover, which will cover their spouse and any dependent children under 25.

BenefitSingle CoverFamily Cover
Cancellation fees and lost depositsYesYes
Travel agent feesYesYes
Overseas hospital and medical coverYesYes
Overseas dentalYesYes
Overseas funeral expensesYesYes
Emergency expensesYesYes
Cash in hospitalYesYes
LuggageYesYes
Personal moneyYesYes
Resumption of journeyYesYes
Travel delayYesYes
Hijack and kidnapYesYes
Missed connectionsYesYes
Home assistanceYesYes
Accidental deathYesYes
Accidental disabilityYesYes
Legal liabilityYesYes
Rental vehicle excessYesYes
Loss of incomeYesYes
Financial defaultYesYes

If you are looking for cover for your domestic trip away, AIG’s domestic policy offers comprehensive cover for travel anywhere in Australia including Lord Howe Island, Cocos Island and Christmas Island. Domestic cover includes cover for non-refundable pre-paid travel bookings and cover for emergency expenses.

Policyholders also have the option to increase Cancellation cover to a maximum of $20,000 for single cover and $40,000 for family. An extra premium payment of $25 will be charged for each increase of $1,000.

What is covered under a domestic policy?

BenefitSingle CoverFamily Cover
Cancellation fees and lost depositsYesYes
Travel agent feesYesYes
Emergency expensesYesYes
LuggageYesYes
Travel delayYesYes
Hijack and kidnapYesYes
Missed connectionsYesYes
Accidental deathYesYes
Accidental disabilityYesYes
Legal liabilityYesYes
Rental vehicle excessYesYes
Financial defaultYesYes

If you travel frequently each year for business or pleasure, an annual-multi trip policy might be right option for you. This policy entitles the policy owner to an unlimited number of trips in any 12 month period provided the trip does not exceed 45 days and is an overseas or domestic destination more than 250km from your place of residence. AIG multi-trip policies provide cover for both single travellers and families.

What does the Annual policy cover?

BenefitDomestic Multi TripInternational Multi Trip
Cancellation fees and lost depositsYesYes
Travel agent feesYesYes
Overseas hospital and medical coverNoYes
Overseas dentalNoYes
Overseas funeral expensesNoYes
Emergency expensesYesYes
Cash in hospitalNoYes
LuggageYesYes
Personal moneyNoYes
Resumption of journeyNoYes
Travel delayYesYes
Hijack and kidnapYesYes
Missed connectionsYesYes
Home assistanceNoYes
Accidental deathYesYes
Accidental disabilityYesYes
Legal liabilityYesYes
Rental vehicle excessYesYes
Loss of incomeNoYes
Financial defaultYesYes

Policy benefits for each plan will contain their own conditions and a maximum benefit that is payable in the event of a claim. It is crucial to have a clear understanding of these conditions before purchasing your policy.


What won't I be covered for?

Every travel insurance provider will have their own set of policy exclusions where they will not pay the benefit for a claim. These may vary between policies so it is important to be clear on the conditions to avoid any surprises in the event of a claim. Some of the main exclusions on AIG policies include.

  • Existing health conditions that have not been approved by AIG in writing.
  • Medical or dental problems that the policy owner was informed they would not be covered for at the time of application.
  • Claims arising for strike, riot or bad weather where policyholder failed to observe warnings from government or mass media.
  • Change of travel plans due to travelling companion decision to cancel trip.
  • Claims from business or employment not enabling traveller to take leave for trip.
  • Claims stemming from events where policy owner has failed to comply with ticket conditions.
  • Claims for cancellation of tours due to there not being enough people for tour to go ahead.
  • Travel arrangements made through unlicensed travel agent.
  • Claims for cancellations made by transport provider.
  • Claims for breakdown of any mode of transport.
  • Death or illness of relative not currently residing in Australia or New Zealand.
  • Claims for denial from government to allow policyholder to enter country.
  • Claims for pregnancy or related complications that have occurred 26 weeks after pregnancy.
  • Claims for use of hospital for treatment for alcohol or drug addiction.
  • Claims relating to mental illness, depression, stress, anxiety, suicide or attempted suicide or self-inflicted harm.
  • Claims for sexually transmitted diseases.
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What excess will I be charged by AIG?

This will depend on the type of policy you take out. Details for excess payable is listed in the table below;

TripExcess Payable
International trips up to 34 daysNo excess to pay
Single trip international plans for 5 weeks of more in duration$100
Annual multi-trip policies$100
One-trip domestic plans$50

Applicants have the option to use an excess eliminator of $15 for single trip and $25 for annual multi-trip to remove any excess charges.

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More benefits of choosing AIG?

  • Global Recognition: AIG has grown to become one of the world’s leading insurance organisations, providing insurance solutions to customers and companies in over 130 countries. AIG has been servicing the insurance needs of Australian businesses since 1957, using global experience to provide superior customer service in dealing with insurance products on a group and personal level.
  • 24-Hour Emergency Assistance: 24-hour emergency assistance is provided to policyholders on behalf of AIG through Travel Guard. With 24-hour alarm centres, clinics and air ambulances, Travel Guard has worked hard to ensure that you will receive the support you need, when you need it. Travel Guard is available on Annual, International and Domestic travel insurance policies.
  • Range of Travel Cover Options: AIG has worked hard to develop a suite of travel insurance products tailored to the different needs of a whole range of travellers. Types of cover include Annual Multi Trip, International Single Trip, Domestic Travel, and Mature age. Policies can be taken out as single, group or family cover.
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Some final questions you might have

What is a dependent child?

A dependent child is a child or grandchild under 25 years that is travelling with the adult for the entire trip.

What is a Mature Age Traveller?

AIG recognises a mature age traveller as one over 69 years of age.

Can I extend my policy?

Single trip policies can be extended an unlimited number of times provided it is within 12 months from the departure date.

Are adventure activities covered?

AIG will cover most amateur and adventure activities. It is still worth reviewing your PDS to be clear on what you are and are not covered for.

Can I cancel my policy?

Each policy features a 14-day cooling off period that can be exercised provided there has been no claim and the trip has not already commenced.

When must I make a claim?

A claim must be made within 30 days of completing your trip.

What is a pre-existing medical condition?

A pre-existing medical condition is any medical or dental conditions that required treatment within 30 days of having applied for cover or that you were aware may lead to a claim under the policy.

Interested in receiving a quote for AIG Travel Insurance?

If you are interested in taking a closer look at the products on offer from AIG follow the secure link through to their website and start comparing today. As always, make sure you read closely through the product disclosure statement and have a clear understanding of the policy conditions before purchasing. AIG’s team of insurance consultants are on hand to answer any questions you might have on any of the policies offered.

Receive a quote for AIG Travel Insurance

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4 Responses to AIG Travel Insurance

  1. Default Gravatar
    Ron | September 6, 2016

    I am traveling to Osaka and Shanghai for 13 days in December 2016,
    I took out AIG travel insurance with my Jetstar tickets.
    I am 78 yo and have no health problems
    I didn’t see anywhere on the form to include my age
    Is my insurance valid?????

    • Staff
      Richard | September 6, 2016

      Hi Ron,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. You will need to contact AIG directly for issues relating to your policy, which you can do by calling 1800 017 682.

      I hope this was helpful,
      Richard

  2. Default Gravatar
    do | September 20, 2015

    do you offer visitor to australia travel insurance?

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