AIG / Travel Guard (underwritten by Zurich and National Union)
Travel Guard Review 2026
High coverage limits for high-value international trips, underwritten by major commercial carriers.
Who Travel Guard is best for
High-value international trips where travelers want very high medical and cancellation limits with institutional backing.
At a glance
- Medical coverage limit
- Up to $500K
- Emergency evacuation
- Up to $1M
- Trip cancellation
- Up to 100%
- Country exclusions
- State Dept list
On Deluxe and Preferred plans
Included on core plans
Non-refundable trip costs covered
Excludes areas under Level 3–4 advisories
Pros
- +Among the highest medical and evacuation limits available ($500K medical / $1M evac)
- +Underwritten by Zurich American Insurance Company and National Union — institutional financial strength
- +Both single-trip and annual plans available for frequent international travelers
- +Strong CFAR upgrade available on premium plans
Cons
- −Premiums run higher than mid-market competitors for equivalent coverage
- −Policy terms can be complex — read the certificate of insurance carefully
- −Claims process has more steps than digital-first carriers
Travel Guard requirements
- US residents; age limits apply on some plans
- Available for single trips and annual multi-trip plans
Travel Guard alternatives
Top alternatives worth comparing from Best Travel Insurance for International Trips 2026.
AXA Assistance USA
AXA Travel Insurance
International travelers who want tiered plan options with strong medical limits and high customer satisfaction scores.
World Nomads
World Nomads
Adventure travelers, backpackers, and anyone doing activities (trekking, diving, skiing) that standard policies exclude.
International Medical Group (IMG)
IMG Global (iTravelInsured)
Long-term international travelers, expats, or frequent travelers who want primary medical coverage and maximum medical limits.
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Apply at AIG / Travel Guard (underwritten by Zurich and National Union)→Last verified at the issuer on 2026-08-05
The full lineup
See all picks in Best Travel Insurance for International Trips 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Travel Guard scores 3.9 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: High-value international trips where travelers want very high medical and cancellation limits with institutional backing.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Travel Guard
Who is Travel Guard's international plan best for?+
It targets high-value international trips where travelers want very high medical and cancellation limits with institutional backing. The plans are underwritten by Zurich American Insurance Company and National Union.
What are the coverage limits on Travel Guard International?+
Medical coverage runs up to $500K on Deluxe and Preferred plans, emergency evacuation up to $1M on core plans, and trip cancellation up to 100% of non-refundable trip costs. These are among the highest limits available in the category.
Does Travel Guard offer Cancel For Any Reason (CFAR)?+
A CFAR upgrade is available on premium plans. CFAR terms and eligibility windows vary, so review the certificate of insurance and confirm details at travelguard.com before purchasing.
Are there destinations Travel Guard won't cover?+
Coverage excludes areas under US State Department Level 3–4 travel advisories. Check current advisories for your destination before buying a policy.
Can I get an annual plan instead of single-trip?+
Yes. Both single-trip and annual multi-trip plans are available, which suits frequent international travelers. Age limits apply on some plans — confirm eligibility at quote. ClearValue Lending provides this as neutral third-party information and is not an insurance broker or agent.
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.
https://clearvaluelending.com/reviews/travel-guard-international