I used Travel Guard for my trip to Thailand. I purchased the insurance simultaneously with my plane ticket. What a mistake on my part!!! I totally forgot that I had purchased them and here's why. Few days before the trip, I had forgotten that I already had AIG Travel guard insurance, so I ended up purchasing one of their competitors and I'm so glad that I did. After reaching overseas and eating some street food that my stomach wasn't accustomed to, I ended up getting food poisoning because the symptoms included diarrhea; vomiting and fever. I set up an appointment with Bumrungrad hospital in Bangkok (and their stellar care), since it was my first time there, the hospital ran a thorough check up. When I received the bill I was counting on AIG travel guard to help me out and this claim was denied. 1) I tried to upload all my documents and evidences but was only allowed 5 thus I had to pick the best of the 10 plus docs I had. 2) After a few weeks, I got a response stating that I was denied hmm because "expenses incurred were for a general medical examination" Are you kidding me??? ... why on earth would I go to a hospital if the Medical team didn't think I need a full check up? Specially because they don't have my health history. So after I was denied, thankfully I reached out to the other insurance company that I had also signed up for, and they came through with flying colors. They wanted every documentation, I could provide. I gladly gave them all I had. They did Also ask me about Travel Guard and I told them what had happened and provided a copy of the denial email that I received. Let's just say, I was thankful that I had a back up insurance that treated me like a human being and not like these AIG 'denial demons'. Stay away from this Insurance company .. not worth it.
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