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My brother bought Travel Guard from AIG this April on the day of his departure for home country on a long visit. The departure & return dates were mentioned on the policy. He is a green card holder and had to return back before 6 months. He is otherwise well but can travel only with a family escort. So he bought a one way ticket deferring buying return ticket at a later date with a family escort. He became sick 10 days after arriving to his destination which was life threatening and he was admitted to an intensive care for more than 3 weeks. We filed the claim next day of his admission but it was denied giving reason that as no return ticket was bought so the insurance expired on arriving to his destination. In the policy terms, the words "one way trip" and "two way trip" are mentioned but at no point in the policy or while buying the policy online, we got an impression that a two way trip is considered two way only if return ticket is bought before departure. Kindly, suggest if our claim is valid and suggest further options. We are about to file an appeal.
Insubuy as a broker we provide insurance from many companies. We don't offer Travel Guard plan from AIG. We provide insurance only from
U S Companies. But in general trip insurance you have to purchase for round trip. You can't purchase for one way. Please find difference between Travel medical Vs Trip insurance
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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