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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.


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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 awful stories of travellers forced to pay tens of thousands of dollars 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.

AIG travel insurance is not currently available via finder. You can visit their website at for more information or compare alternative options available below.

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warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
International travel insurance is limited and sometimes unavailable at this point.

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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
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
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
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
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

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.

More guides on Finder

  • AIG Corporate Travel Insurance

    If you are planning a business trip, make sure you have an insurance policy that will cover you for any potential financial losses. Consider the cover offered by AIG Corporate Travel Insurance to see if it's right for you.

  • AIG Travel Insurance Deals

    If you are planning to travel any time soon then you will seriously want to consider travel insurance. Find out how you can save with an exclusive discount!

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14 Responses

  1. 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?

    • Default Gravatar
      NikkiApril 17, 2018

      Hi David,

      Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?

      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 this page about travel insurances to Nepal and Everest Base Camp to compare and choose the insurance provider to fit your needs.

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


  2. 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?

    • Default Gravatar
      JonathanMay 30, 2017

      Hi Shirley!

      Thanks for the comment.

      You are welcome to visit this link to review your options. Click “Get Quote” green button to proceed.

      Hope this helps.


  3. Default Gravatar
    FeckyMay 13, 2017

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

    • Avatarfinder Customer Care
      ZubairMay 16, 2017Staff

      Hi Fecky,

      Thank you for your question. You have contacted, 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.


  4. Default Gravatar
    EphraimFebruary 16, 2017

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

    • Avatarfinder Customer Care
      ZubairFebruary 17, 2017Staff

      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.

      For detailed information in reference to terrorism and travel insurance, you may find our terrorism and travel insurance guide helpful.


  5. Default Gravatar
    NisarDecember 13, 2016

    Please enroll my email address in your subscription.

    • 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!


  6. Default Gravatar
    RonSeptember 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?????

    • Avatarfinder Customer Care
      RichardSeptember 6, 2016Staff

      Hi Ron,

      Thanks for your question. 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,

  7. Default Gravatar
    doSeptember 20, 2015

    do you offer visitor to australia travel insurance?

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