Travel Guard
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Disappointed
My wife and I bought AIG (Travel Guard) travel insurance for our Panama Canal Cruise February, 2022. It included the usual Medical, trip return home and trip interruption coverage starting the day of departing our home and back. Unfortunately, during the cruise I got sick with post Covid bacterial double pneumonia and was hospitalized in a Panama City, Panama for a week. On my release, doctor suggested I stay in Panama City for 2-3 more days to recover further before traveling back to the United States. We decided to fly back home the same day of release (although my insurance policy should have covered staying extra days to recover). We wanted to get home and recuperate in my own bed. Because of time of release from hospital, only flight we could get home got us to Nashville airport (our originating airport) around mid-night. Our home is about 2 ½ hours’ drive from the airport. So, we decided to stay the night near Nashville airport and drive home next day. AIG refused to pay for the taxi to the hotel and our night stay at Nashville. The claims adjuster stated that AIG expected us to drive home at midnight. That’s the day I was released from hospital after a week of hospitalization with post Covid double pneumonia. I needed oxygen to fly home, per doctor’s order. Since I was on wheel chair after release from hospital, throughout various legs of our journey till we got to the hotel in Nashville, we tipped the wheelchair helper and luggage porter. AIG refused to pay for any of it, claiming, it was not covered expenses. How can that be not covered when it was medically necessary. Other than that, I have to say, AIG was fair in handling our claim. We have appealed their decision but they rejected our appeal. Iftakhar and stephanie