AIG Travel Insurance Review

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

No reviews yet. Write a review

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Important:

Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures

    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.

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

    Compare your travel insurance quotes

    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.

    Made a search before? Retrieve your search results

    At least one destination is required
    Both dates are required
    Add more travellers
    Enter the age of each traveller between 0 and 99

    Enter a valid email address

    At least one destination is required
    Starting date is required
    Add more travellers
    Enter the age of each traveller between 0 and 99

    Enter a valid email address

    Type or Select your destination(s)

    Popular Destinations

    Americas
    Asia
    Europe
    Pacific
    Africa
    Can't find your destination? Just type it in the box above.

    We compare products from

    By submitting this form, you agree to the finder.com.au Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.

    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 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 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.
    Back to top

    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.

    Back to top

    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.
    Back to top

    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 finder.com.au discount!

    Ask an Expert

    You are about to post a question on finder.com.au:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com.au is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

    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?

        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

      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.

        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

      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 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

      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.

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

        Have a wonderful day!

        Cheers,
        Zubair

      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!

        Regards,
        Chester

    Go to site