A: Provincial health insurance plans provide only limited coverage for medical treatment and hospital costs outside of Canada and USA. If you are injured or become ill while out of the country, the government plans pay only a portion of your medical bills. You might have to pay substantial medical bills out of your own pocket that could amount to thousands of dollars. That's why it's highly recommended that you purchase travel insurance.

A: Emergencies happen when you least expect it. You could become sick, lose your job or a family member could have a medical emergency. Cancellation & Interruption insurance covers you for those circumstances and protects the financial investment you've made in your trip. It also protects you if you need to go back home because of an emergency such as a family member becoming seriously ill at home, while you are away. Please remember - this coverage must be purchased within 48 hours of booking your trip.

A: Yes, everyone is eligible for the insurance since it is provided by a third party.

A. Travel insurance gives travelers coverage for unforeseen problems, from a cancelled flight to a serious illness—or in rare cases, even an act of terrorism or the financial default of a travel supplier. If an illness, accident, or other covered unforeseen circumstance forces a traveler to cancel or interrupt their plans, they face two major financial losses—money invested in nonrefundable pre-payments, and medical expenses that in many instances may not be covered by health insurance.

A. Often a traveler will lose nonrefundable deposits and prepayments that can add up to hundreds—or even thousands—of dollars. A comprehensive travel insurance plan through AIG Travel Guard can provide trip cancellation coverage for the traveler's vacation investment—the insurance company reimburses the traveler for all pre-paid, nonrefundable expenses for a covered loss.

A. It reimburses for forfeited, nonrefundable, unused payments or deposits if the traveler must cancel or interrupt their trip due to a covered reason.

A. In addition to trip cancellation and interruption, the more comprehensive travel insurance plans available today may also cover emergency medical expenses; emergency medical transportation, when ordered by a doctor, to the nearest adequate medical facility; reimbursement for accommodations and expenses incurred due to travel delays; reimbursement for the purchase of essential items if baggage is delayed; and coverage against lost, stolen or damaged baggage.

A. Many travel insurance policies do not cover terrorism, or only cover terrorist acts that occur on foreign soil. Travel insurance through AIG Travel Guard can cover terrorist incidents both in the United States and abroad.

A. Many of AIG Travel Guard's retail insurance programs include financial default coverage if the program is purchased within 15 days of making the initial trip deposit.

A. Yes. AIG Travel Guard offers travel insurance plans for an array of budgets, from modest trips to high-end luxury vacations. There are also products for last-minute getaways and extended trips, and specific coverage plans for cruise travelers, golf travelers, students, and sports travel.

A. The cost of travel insurance is based, in most cases, on the value of the trip and the age of the traveler. Typically, the cost is five to seven percent of the trip cost.

A. To boost travelers' confidence when traveling, AIG Travel Guard has added LiveTravel® assistance, which provides 24-hour, "911" emergency travel agency-type services to all standard retail plans, in case a traveler has to change a flight or a hotel room. AIG Travel Guard has also added assistance with emergency cash transfers, pre-trip consultation services (travel advisories, passport requirements, inoculation information, etc.), and live messaging, which will relay any e-mail or phone message to family, friends or business associates.