As a travel insurance expert, I have extensive knowledge of the process for claiming AIG travel insurance. In this article, I will provide you with a detailed and easy-to-understand guide on how to successfully file a claim with AIG Travel Guard.
Understanding Your AIG Travel Insurance Policy
Before you can file a claim, it’s crucial to understand the coverage provided by your AIG travel insurance policy. Review your policy documents carefully to familiarize yourself with the benefits, exclusions, and any specific requirements for filing a claim.
Gathering Necessary Documentation
To ensure a smooth claims process, gather all the relevant documentation required by AIG. This may include:
Travel insurance certificate or travel agency tour receipt
Trip itinerary (e.g., boarding passes, train/air tickets, tour receipts)
Completed claim form
Original receipts and supporting documents for the specific type of claim (e.g., medical bills, police reports, repair quotations)
Proof of trip duration (for annual travel policies)
Company proof of the nature and duration of the trip (for corporate travel policies)
Submitting Your Claim
AIG offers several options for submitting your travel insurance claim:
Online Claim Portal: Use the AIG claims portal to file your claim at your convenience, 24/7. Follow the step-by-step process to register your claim and upload supporting documentation.
Email: Complete the claim form and submit it, along with supporting documents, to [email protected] for New Zealand policies or [email protected] for US policies.
Fax: Print and complete the claim form, then fax it to 715-295-1113 along with supporting documents.
Mail: Print and complete the claim form, then mail it to the appropriate address with supporting documents:
For New Zealand policies:
AIG, PO BOX 1745 Shortland St, Auckland 1140
For US policies:
AIG, Attn: Travel Guard, PO Box 47, Stevens Point WI 54481
Be sure to include your claim number in the subject line of your email or fax, and write it on the top of the first page of your mailed documents to facilitate prompt handling.
Overseas Emergency Assistance
If you require emergency assistance while traveling overseas due to illness or injury, contact the 24-hour Travel Guard Assistance Hotline:
From the US and Canada: 1-866-866-7061
Collect from other locations: +1-715-345-0505
When calling, provide the following information:
- Your policy number
- Your name
- Your current location
A description of your condition or symptoms and the nature of the assistance you require
The assistance team will provide medical advice and arrange for evacuation or repatriation if medically necessary and appropriate.
Frequently Required Documents for Travel Claims
Depending on the type of claim, AIG may require specific documentation:
Medical Expense Reimbursement:
Original hospital/medical bills, receipts, and reports with diagnosis certified by a registered medical practitioner
Hospital Income:
Medical certificate from a registered practitioner certifying the number of days of hospitalization
Hospital discharge summary
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Loss of Income:
Medical certificate from a registered practitioner certifying the number of days of hospitalization
Hospital discharge summary
Document indicating the insured is employed during the sick leave period and the salary earned
Letter issued by the employing company
Loss of Baggage / Travel Documents and Personal Money:
Original loss/damage reports from the relevant authorities and organizations
Compensation breakdown from other insurers or parties, if applicable
Repair quotation
Photos showing the extent of damage to the property, if applicable
Original receipt(s) for additional hotel accommodation and travel expenses
Police report
Letter issued by the airline or hotel certifying the loss or damage of the baggage(s)
Travel Delay and Baggage Delay:
Documentation indicating the reason(s) and number of hours delayed
Original receipt(s) for emergency purchase of essential items, if applicable
Confirmation letter from airlines
Cancellation / Curtailment:
Original receipt(s) showing any pre-paid costs or deposits made or additional travel and/or accommodation expenses incurred after the commencement of the insured journey
Original documentation confirming trip cancellation and the non-refundable/refunded amount
The initial itinerary
Medical certificate indicating diagnosis and reasons that the insured is unfit for travel, if applicable
Death certificate, if applicable
Proof of relationship if the journey curtailment/cancellation is due to death, serious injury, or sickness of the insured/immediate family member/close business partner
Hotel payment receipt(s)
Transportation payment receipt(s)
Letter issued by the joined travel agencies/airlines/hotels
Boarding pass
Birth certificate
Marriage certificate
Journey Rearrangement:
Documentation indicating the additional travel and/or accommodation expenses incurred after the commencement of the insured journey outside Hong Kong
Documentation from the common carrier indicating the reason for travel re-arrangement
Hotel payment receipt(s)
Transportation payment receipt(s)
Letter issued by airlines
Claim Assessment And Settlement
Once AIG receives your completed claim form and supporting documents, they will assess your claim based on the policy terms and conditions. If any clarification or additional information is needed, the claims handler will contact you as soon as possible.
AIG aims to process your claim efficiently and provide you with a timely settlement. If your claim is approved, you can expect payment within ten working days of receiving your completed claim form and necessary documentation.
Conclusion
Filing a claim with AIG Travel Guard can be a straightforward process if you follow the proper steps and provide the necessary documentation. Remember to review your policy, gather all relevant documents, and submit your claim promptly.
