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AIG Travel Insurance Review

Find cover for your trip within Australia or overseas with AIG travel insurance, including cover for senior travellers over 70.

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By

Zahra Campbell-Avenell

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Our Verdict

  • AIG travel insurance asks for a standard excess payment of $100 on its international policies, and $50 on its domestic policies - this is the amount you'll need to pay out if you make a claim. Out of 20 insurance policies that our team reviewed, this was only matched by World2Cover.
  • This travel insurance brand offers round-the-clock emergency assistance on all of its plans. Through Travel Guard every policy holder can access 24-hour alarm centres, clinics and air ambulances, so you've got support when you need it most.
  • While AIG's cover limit of up to $2,500,000 for personal liability is more than some other providers, it falls behind leading insurance brands like STCI, AMEX and Fast Cover that offer a cover limit of double that amount.

Review by our senior insurance writer James Martin

A world-leading insurance provider, AIG travel insurance gives you the choice of 6 policies that cover trips abroad as well as staycations in Australia. All policies include cover for trip cancellation, theft or damage to luggage and rental vehicle excess cover. We break down all 6 policies below, so you can compare each one and choose which suits your needs best.

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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.

Dependent children under the age of 25 can be covered on your. If you're travelling with another adult, however, you have the option to take out family cover which covers a spouse, de facto or adult travelling with you plus their dependents.

BenefitSingle CoverFamily Cover
Cancellation fees and lost depositsUnlimitedUnlimited
Travel agent fees$4,000$8,000
Overseas hospital and medical coverUnlimitedUnlimited
Overseas dental$2,000$4,000
Overseas funeral expenses$20,000$40,000
Emergency expensesUnlimitedUnlimited
Cash in hospital$6,000$12,000
Luggage$15,000$30,000
Personal money$500$1,000
Resumption of journey$3,000$6,000
Travel delay$1,000$2,000
Hijack and kidnap$10,000$20,000
Missed connections$2,000$4,000
Home assistance$1,500$3,000
Accidental death$25,000$50,000
Accidental disability$10,000$10,000
Legal liability$2,500,000$2,500,000
Rental vehicle excess$4,000$4,000
Loss of income$5,200$10,400
Financial default$10,000$10,000

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 deposits$10,000$20,000
Travel agent fees$4,000$8,000
Emergency expenses$10,000$20,000
Luggage$3,000$6,000
Travel delay$300$600
Hijack and kidnap$10,000$20,000
Missed connections$2,000$4,000
Accidental death$10,000$20,000
Accidental disability$10,000$10,000
Legal liability$500,000$1,000,000
Rental vehicle excess$4,000$4,000
Financial default$10,000$20,000

If you travel frequently each year for business or pleasure, an annual-multi trip policy might be the 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 MultiTripInternational Multi-Trip
Cancellation fees and lost depositsUnlimitedUnlimited
Travel agent fees$4,000$8,000
Overseas hospital and medical coverN/AUnlimited
Overseas dentalN/A$2,000
Overseas funeral expensesN/A$20,000
Emergency expensesUnlimitedUnlimited
Cash in hospitalN/A$6,000
Luggage$15,000$15,000
Personal moneyN/A$500
Resumption of journeyN/A$3,000
Travel delay$1,000$1,000
Hijack and kidnap$10,000$10,000
Missed connections$2,000$2,000
Home assistanceN/A$1,500
Accidental death$25,000$25,000
Accidental disability$10,000$10,000
Legal liability$2,500,000$2,500,000
Rental vehicle excess$4,000$4,000
Loss of incomeN/A$5,200
Financial default$10,000$20,000

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
Single trip international plans$100
Annual multi-trip policies$100
One-trip domestic plans$50

Applicants have the option to use an excess eliminator of $30 for single trip and $50 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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Claim and contact details for AIG travel insurance

Emergency Assistance (24/7 help): +60 3 2772 5592
Make a claim online: Start your claim process online at https://www.aigtravel.com.au/
General phone enquiries: ​​1800 017 682

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Some final questions you might have

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.

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14 Responses

    Default Gravatar
    DavidApril 17, 2018

    I wish to complete an organised professional trek/climb to 6189m in Nepal. The last 200-300m involve the use of ropes for safety purposes. What travel insurance company will cover this? If I am taken sick at that height but make my way below 6000m would I be covered? I cannot find any insurer that will accept this combination. Is there one?

    Reply
      Default Gravatar
      NikkiApril 17, 2018

      Hi David,

      Thanks for your message and for visiting Finder.

      The right travel insurance will protect you from the unique risks associated with traveling to Nepal and climbing to Everest base camp as well as typical losses such as:

      • Emergency medical expenses and repatriation
      • Cancellations and lost deposits
      • Luggage delays and stolen items

      The best way to start is by understanding your travel needs, what you plan to do in Nepal, and then comparing policies online.

      You can review our travel insurances to Nepal and Everest Base Camp to compare and choose the insurance provider to fit your needs. Simply enter your travel details in the form to compare quotes from different brands. When you are ready, you may then click on the “Go to site” button and you will be redirected to the insurer’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

      Please ensure you review the relevant Product Disclosure Statements/Terms and Conditions before purchasing a policy.

      Hope this helps! Feel free to message us anytime should you have further questions.

      Cheers,
      Nikki

      Reply
    Default Gravatar
    ShirleyMay 30, 2017

    I am seeking a quote for a short (5 day) Australian Domestic Cruise 10/07/2018 to 14/07/2018. Do you provide such cover?

    Reply
      Default Gravatar
      jonathan.chan@findercrew.comMay 30, 2017

      Hi Shirley!

      Thanks for the comment.

      If you are asking about AIG Travel Insurance, the answer is yes. They offer cruise travel insurance. You may go directly to their website for more details.

      If you wish to check and compare options, please check our cruise travel insurance to learn more.

      Hope this helps.

      Cheers,
      Jonathan

      Reply
    Default Gravatar
    FeckyMay 13, 2017

    Is there an age limit for person who want to take out this travel insurance And why?

    Reply
      AvatarFinder
      ZubairMay 16, 2017Finder

      Hi Fecky,

      Thank you for your question. You have contacted finder.com.au, a comparison and information service and not actually AIG Travel Insurance.

      Generally, insurers set maximum age limits to minimize their own risk and AIG Travel Insurance does provide cover for up to 84 years old.

      Cheers,
      Zubair

      Reply
    Default Gravatar
    EphraimFebruary 16, 2017

    Is the medical / hospital cover excluded by acts of terror?

    Reply
      AvatarFinder
      ZubairFebruary 17, 2017Finder

      Hi Ephraim,

      Thank you for your question.

      AIG does provide cover for medical and hospital cover in case of a terrorist act including the following benefits:

      – Accidental death if it occurs as a result of an accident or terrorist act including in-flight cover.
      – Loss of income if you are unable to resume work upon your return due to an accident or terrorist act overseas.
      – Overseas medical, hospital, cash in a hospital, dental and related expenses you have to pay as a result of an injury or illness (including injury arising from a terrorist act) which first occurs or becomes apparent after the issue date of your certificate of insurance.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Zubair

      Reply
    Default Gravatar
    NisarDecember 13, 2016

    Please enroll my email address in your subscription.

    Reply
      Default Gravatar
      ChesterDecember 13, 2016

      Hello Nisar!

      Thanks for your question.

      I have personally added your email address in our system for you to be able to receive news, offers and discounts as well as our ever valuable newsletter from our selected clients. Thanks for your interest.

      Have a nice day!

      Regards,
      Chester

      Reply
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