Travel Guard Auto Insurance Review (2021)

Travel Guard, a subsidiary of AIG property and life insurance company, doesn't offer domestic auto coverage in a traditional sense. What they do offer is rental car collision coverage for travelers outside the U.S. at just $9 a day. This affordable Travel Guard car insurance can be yours. Find out more about travel insurance, average rates, and claims processing in our Travel Guard auto insurance review.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jan 26, 2021

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Company Details
Address: 3300 Business Park Drive
City: Stevens Point
State: WI
ZIP Code: 54482
Phone Number: 1-800-826-5248
Year Founded: 1982
AM Best Rating: A
Company Rating 0 (0 reviews)

Things to remember...

  • Travel Guard is an owned and operated subsidiary of American International Group, Inc., also known as AIG.
  • Travel Guard offers insurance to travelers on vacation or business trips at reasonable rates for overseas health, automotive, and trip cancellation coverage.
  • Travel Guard auto insurance for collision coverage costs only $9 a day.

Travel Guard, a branch of AIG property and life insurance company, offers insurance products to individuals and groups in the niche travel market. Get more details about this company by reading our Travel Guard auto insurance review.

AIG doesn’t offer auto coverage, but can you purchase Travel Guard auto insurance from its subsidiary? Yes, but on a limited travel basis for rental car insurance only.

Below, we’ll answer Travel Guard Insurance questions like: What kinds of insurance does Travel Guard offer? What is covered with Travel Guard Insurance? Is Travel Guard reliable? And where is Travel Guard insurance available?

With average rates, contact information, and claims processing reviews, this company guide will help you find the best deals on cheap auto insurance rates while you’re traveling.

Before starting this Travel Guard car insurance review, use our free online quote option to compare Travel Guard car insurance rates right now.

So, is Travel Guard the car insurance company for you? Read on to find out.

Does Travel Guard sell auto insurance?

Travel Guard is an insurance agency that provides coverage for individuals who are traveling, perhaps for vacation or for business. So, does travel insurance cover car insurance?

In the traditional sense, Travel Guard does not offer any form of auto insurance policy for customers seeking to insure personal automobiles on a monthly or yearly basis.

The Travel Guard Auto Insurance company is not a working branch of AIG travel insurance; however, individuals who are traveling can take out Travel Guard insurance plans for collision and liability on rental cars. Travel Guard auto insurance takes all of the hassle out of comparison shopping auto insurance company rates in a foreign country.

What is the best way to compare auto insurance company rates? Look at quotes, reviews, and customer ratings.

How expensive is Travel Guard auto insurance?

Travel Guard advertises that for only $9 a day added to their original travel insurance price, customers can purchase Travel Guard’s Car Rental Collision Insurance Plan. This includes coverage for:

  • $35,000 in rental car primary physical damage coverage (subject to a $250 deductible)
  • Car rental collision insurance
  • Reliable coverage anywhere in the world, not just in the States
  • Quick and easy claims resolution

Learn more by looking up Travel Guard car rental insurance reviews.

Is Travel Guard auto insurance necessary?

A car accident of any form that occurs abroad would generally have to be insured through a separate company offering automotive policy coverage outside of the United States.

Travel Guard auto collision coverage handles that aspect of rental car insurance, so you don’t have to scour the internet to find out: Is this auto insurance company legitimate?

Even if your car insurance company is willing and able to cover rentals abroad, you should keep in mind that even a single rental car accident can have an impact on your auto insurance rates, as this table shows:

Average Annual Auto Insurance Rates by Driving Record
CompaniesAverage Annual Rates With a Clean Driving RecordAverage Annual Rates With 1 AccidentAverage Annual Rates With 1 DUIAverage Annual Rates With 1 Speeding Violation
USAA$1,858.11$2,737.39$3,224.03$2,132.96
State Farm$2,561.35$2,934.63$3,462.47$2,561.35
GEICO$2,769.60$3,651.43$3,061.96$3,570.55
Nationwide$3,351.99$3,351.99$4,977.19$3,789.11
Progressive$4,066.74$5,258.36$4,753.00$4,581.27
Allstate$4,270.52$6,562.28$6,837.95$4,270.52
American Family$4,418.84$5,627.66$4,931.37$4,418.84
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Auto collision insurance is only necessary if a traveler plans to drive an automobile while away, and most foreign car rental agencies will offer some form of coverage.

If you already know that you’ll be renting a car overseas, then it’s probably a smart idea to plan ahead and protect yourself with Travel Guard auto insurance coverage.

How does Travel Guard auto insurance compare to other providers?

According to the U.S. Department of State, it’s illegal to drive without a valid license and insurance in most countries. So, auto insurance and appropriate licensing documentation are necessary for any traveler looking to drive abroad.

For these reasons, car insurance for travelers has become a larger than average niche industry within the travel insurance market, but with its 20 years of industry experience, Travel Guard does stand out from the competition.

The customization packages the company offers are also an added benefit to travelers with varied vacation or business related trips.

Who is Travel Guard Insurance?

AIG Travel Insurance (Travel Guard) is a member of American International Group, Inc. (AIG). AIG is a global leader in property and life insurance, while Travel Guard is its operating branch focused on travel insurance and travel-related services.

How long has Travel Guard auto insurance been in business? Travel Guard as a subsidiary of AIG has been in business for over 25 years. It’s one of the oldest travel insurance businesses in the insurance industry.

The video below helps explain Travel Guard’s measures of assistance and insurance.

Who owns Travel Guard auto insurance policies and plans?

The auto policies taken out in addition to any Travel Guard preferred plan are underwritten by the National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company with its principal place of business at 175 Water Street, 15th Floor, New York, NY, 10038.

The services provided by Travel Guard include medical, automotive, and security services that are sold to both leisure and business travelers around the globe.

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Where is Travel Guard located?

Travel Guard’s address for its company headquarters is 3300 Business Park Drive, Stevens Point, WI 54482. Services are also provided through a network of wholly owned service centers located in Asia, Europe, and the Americas.

Contact info for Travel Guard auto insurance would be the same for any Travel Guard purchased policy.

Does Travel Guard have agents?

Travel Guard has agents who are available to take customer calls and answer any of your travel-related insurance questions at 1-800-826-5248.

Unless you’re planning your next vacation or business trip, you probably won’t be calling Travel Guard agents. But if you’re still looking for a car insurance quote, try out our free online quote option.

Type in your ZIP code, and before you know it, you’ll receive detailed quotes from multiple auto insurance companies in your area.

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How do I file a claim with Travel Guard?

For United States purchased policies, you can begin the claims process by accessing your Travel insurance online account through the company website. Customers will need their Travel Guard policy number as well as any information and paperwork pertinent to the claim.

How does Travel Guard insurance handle claims?

When filing Travel Guard auto insurance claims for your rental vehicle, agents can be contacted directly for any Travel Guard Annual travel insurance or single trip policy that is purchased in the USA.

For quicker assistance and payout on any non-U.S. purchased policies, customers are directed to contact Travel Guard at 1-866-478-8222.

Customers can check the status of claims online as well. In addition to email and the online claims process, Travel Guard also offers mail-in options for filing claims. Submitted claims documentation can be sent via the following methods:

  • Email to [email protected] with your claim number in the subject line, or
  • Via fax to 715-295-1113 with attention to your Travel Guard policy number and claim number, or
  • Via mail at: AIG Claims
    Attn: Your claim number
    PO Box 47
    Stevens Point, WI 54481

Are customers happy with the claims process?

Ratings on ConsumerAffairs are not so favorable, with Travel Guard insurance as a whole receiving one out of five stars. On a contrasting note, though, the consumer watchdog organization the Better Business Bureau (BBB) ranked the company highly with an A+ grade for outstanding customer service.

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How do I get a quote from Travel Guard?

Travel Guard auto insurance quotes can be found online through the company website, along with supplemental health and other forms of travel insurance.

What kinds of policies does Travel Guard auto insurance offer?

According to the CDC, travel insurance is an essential addition to any vacation or business trip outside of the U.S.; most U.S. based insurance plans will not cover payments on any incurred injury, accident, or damage to a rented automobile while abroad.

All insurance related claims, therefore, would be paid out of pocket, and with rough estimates putting the cost of a medevac at $100,000 (a definite possibility for travelers on cruise ships), your vacation could quickly bankrupt you.

Thankfully, Travel Guard has multiple insurance plans and policies to help protect your assets while overseas, keeping your vacation expenditures confined to fun-related activities.

There are three new available plans for Travel Guard customers: Deluxe, Preferred, and Essential plans. Each plan comes with its own set of insurance packages, but the nice thing is that all of them can be arranged and bundled to meet individual trip needs.

For example, Travel Guard offers coverage packages for Families, Adventure Sports, and Destination Weddings. Below you’ll find stats on the average rates for Travel Guard insurance by standard package level.

AIG Travel Guard Insurance Average Rates
AIG Travel Guard PackagesAverage Rates
Travelers Insurance Average Quote$148
AIG Travel Guard Platinum$216
AIG Travel Guard Gold$143
AIG Travel Guard Silver$122
AIG Travel Guard Basic$108
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The Travel Guard auto insurance cost is generally an add-on to one of these existing packages, as not everyone will be renting an automobile while traveling.

Travel Guard Auto Insurance Review: The Bottom Line

So, is Travel Guard a good insurance company? Now that you’ve finished this review, it’s up to you to decide. Travel Guard is a subsidiary of AIG property and life insurance company that specializes in the niche market of travel insurance.

The company does not offer any form of traditional auto insurance coverage on the domestic front, but it does offer auto collision coverage on rental cars for individuals traveling outside of the U.S.

Unless you’re traveling abroad, Travel Guard auto insurance does not have you covered.

Now that you’ve finished this Travel Guard auto insurance review, try out our free online quote option. Enter your ZIP code to compare Travel Guard car insurance quotes to that from other companies today.

Frequently Asked Questions: Travel Guard Auto Insurance Review

Does Travel Guard have coverage for auto insurance? Now you know. Are you ready to buy Travel Guard car insurance? Check out some common questions in look at our list below.

#1 – What is Travel Guard auto insurance’s A.M. Best rating?

A.M. Best is the leading credit ranking agency in the insurance industry. Although there is no Travel Guard auto insurance company rating from A.M. Best, the ranking for AIG and Travel Guard insurance as its subsidiary is more than favorable with an excellent financial strength A rating.

Its long-term debt ratio is rated at BBB, but overall the company and its subsidiaries are deemed a solid financial investment.

#2 – Does Travel Guard cover weather?

Yes, Travel Guard will cover costs associated with weather-related cancellations for trips. Travelers can insure their trip under the Trip Cancellation and Interruption Benefits package and they will be covered in the event of a hurricane or other unforeseen severe weather incident.

If a customer’s trip ends up being cancelled due to an unforeseen severe weather event, Travel Guard will refund the prepaid, forfeited, or non-refundable trip costs up to the limit of coverage.

#3 – What kind of discounts does Travel Guard auto insurance offer?

Travel Guard does not necessarily offer any form of a discounted rate for auto collision coverage on rental cars. The company does offer premium package services that allow customers to customize their insurance policy and plan.

Discounts may be allotted to customers for bundling certain options or increasing coverage amounts on a single travel insurance plan.

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