AIG Travel Guard Insurance Package

We offer our clients to act as a broker for a comprehensive adventure travel protection plan offered by AIG Travel Guard. Click on the logo to the right to go directly to the Travel Guard Adventure Travel Protection Plan, and to get a personalized quote. Following is a short summary in layman's terms (no warranties made for correctness and completeness!). For the complete policy wording in PDF format please click here.

Why AIG Adventure Travel Insurance Plan?
Most travel insurance packages offered on the internet or through travel agencies do not cover mountaineering, backcountry skiing and other adventure sports activities or they require additional and often expensive riders. Make sure to take the time to read the fine print before buying a conventional policy for your adventure travels! The AIG adventure travel protection plan, however, is especially designed for the type of trips OnTop ltd. offers.

What is Covered and what are the limits (in brackets)?
Trip cancellation (trip cost), trip interruption (trip cost), emergency evacuation (US$500,000), medical expense (US$25,000), adventure travel equipment loss (US$ 2500), adventure travel equipment delay (US$ 250)

An optional umbrella package costs very little more, but offers you double the medical expense limit (from $25,000 to $50,000) and makes your insurance benefit primary instead of waiting to see which other of your insurance providers will pay out first.

Generally, you can (and should) insure other prepaid trip cost in addition to the cost of the trip package purchased from OnTop, such as your flight and possibly your rental car. Insurable are all expenses that you would loose, if you where to get sick / injured right before your trip starts.

What information do we require for a quote?
1) Your age
2) The total amount of your trip cost (if you want to insure parts of your trip that are not included in your trip package with OnTop, such as your air travel or car rental).

Give me a pricing example?
You are 55 and are booked for our Haute Route Glacier Trek (US$ 2400):
Policy price is US$ 128, additional umbrella package is US$ 20

You would also like to insure your air travel expenses of US$ 1400:
Policy price is US$ 173, additional umbrella package is US$ 20

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Who can buy the AIG Adventure Travel Insurance package?
Canadians and Americans (excluding those living in the State of Washington). For our other clients (European, Australian….) we gladly refer you to a different AIG plan named Worldwide Health, which offers similar benefits at similar prices.

Other advantages of the AIG Adventure Travel Protection Plan:
1) If you sign up for the insurance policy within 15 days of making your trip deposit with OnTop Ltd., AIG will waive all pre-existing conditions for ALL family members if an emergency should arise.
2) There is a satisfaction guarantee of 15 days with full refund (minus a processing fee of US$ 9).
3) The coverage is based on a 30 day trip, so arrival/departure date should be the date that you leave and arrive back home. Your coverage cost will change if your trip exceeds 30 days – please let us know this detail when we prepare your quote.
4) AIG offers services 24 hours/day, 7 days a week. They have a travel agent team that can help if a flight is canceled / delayed – you simply have to call AIG and they accept collect calls. AIG also has an emergency medical team, so they can start helping make arrangements to get you cared for in the best possible manner and transported back to your place of residence.

How can you get a quote and subscribe?
We will provide a quote for you based on your age and total trip price during the booking process. If you want to purchase the policy, we will submit your application to AIG (we will just need your credit card number and expiry date to process the insurance fee). You will then receive a hard copy directly in the mail straight from AIG so you can review the entire policy. If there is anything you don't like about the policy, you have 15 days to cancel for a refund (100% of premium paid minus an administrative fee of 9% maximum per policy)

What if I want to insure my air travel but I haven't booked it yet?
If you make a deposit, but haven’t booked airfare yet, and you want it to be covered, we can either estimate the cost of airfare and include it in the policy, or we can leave out the airfare and once the amount is determined, we can modify the policy and increase the dollar value to the correct value including airfare. You have 15 days from the day of buying your initial insurance package to include other components of your AIG Adventure Travel Protection Plan.

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