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Table of Contents
AIG TravelAIG Travel AssistAIG Travel Guard DifferenceWhy Sell Travel InsuranceGeneral InformationProduct OverviewSelling TechniquesOvercoming Common ObjectionsTechnology Solutions
AIG Travel
American International Group, IncUnmatched global capabilities
Over 100,000 employees worldwide130 countries and jurisdictionsLeader in virtually every category
Financial StabilityOver $900 billion in assetsForbes Magazine: AIG is 6th largest company
in the world
AIG Travel
AIG Travel GuardWholly-OwnedWorld’s largest provider of travel
insurance and assistance plansEstimated 60% market shareBroadest protection availableHighest service standards in the
industry
AIG Travel Assist
AIG Travel Assist
AIG Travel Assist
AIG Travel Assist
AIG Travel Assist
AIG Travel Guard Difference
Superlative Customer ServiceOpen 24 hours a day, 7 days a weekAll calls answered within 30 secondsStaffed for general Customer Service,
LiveTravel® Service and Emergency Medical Service
Medical referrals and assistance provided within 5 minutes and assistance continues until emergency has ended and client has returned home
AIG Travel Guard Difference
Industry Leading Claims StandardsInitiated on the first phone callAll claims checks mailed within 24 hours
of receipt of final documentation90% of all claims paid within 14 days“The Fairness Principle”
AIG Travel Guard Difference
Training & MarketingDedicated representativesRecurrent training sessions for sales and
reservations staffProvide training aids including selling
guides, Why Buy Insurance materials, etcIn-house marketing team that will provide
online and offline marketing assistance
Why Sell Travel Insurance
Protect your clientsProtect your agencyIncrease your revenueProducts available to meet your
clients needs
General Information
Policies may be purchased up to 24 hours prior to departure Insured receives additional benefits when
purchased within 15 days of initial trip payment
Who can purchase?US, Canada, Puerto Rico ResidentsNot available to clients residing in Washington,
New York, Oregon
When does the policy go into effect?12:01am following purchase
General Information
Does a client have to insure all trip costs?Yes, clients need to insure all pre-paid, non-
refundable costs associated with their travel arrangements including administration fees
If I have a client that is 59 today, but will be 60 at the time of travel, what price should I use for the insurance?59; age is determined at the time of purchase,
not at the time of travel
General Information: Modify Policy
Can a client make changes to a policy after purchase?Policies may be modified prior to the original
departure date listed on the policy If a policy is modified, clients will not be able to
file a claim on the previous policyHow do we modify a policy?
ezTIPS™: Right click on ezTIPS™ icon by the clock of computer; select Modify Policy; complete information; submit
Toolbox: Click on Toolbox; select Modify Your Policy; complete information; submit
General Information: Refunds
Can a client get a refund on a policy? Yes, AIG Travel Guard has a Satisfaction Guarantee
that allows clients to request a cash refund within 15 days of purchase date
Refunds can not be requested after the departure date
How do I request a refund on a policy? Refund requests must be submitted in writing by the
agency or insured Email refund requests to [email protected]
Product Overview
Cruise, Tour & Travel (Platinum)
ProtectAssist (Gold)
Travel Guard Essential Expanded (Silver)
Travel Guard Essential (Basic)
My Travel Guard (Custom)
Air Ticket Protection (Air Only)
Group Protection Plan (Group Only)
MedEvac (Annual)
Product Overview
Cruise, Tour & TravelPlatinum Program
Most comprehensive plan availableThe “Cadillac” of all travel insurance plansPrimary Coverage – we pay firstValue Added Packages
Cancel For Any ReasonCancel For Work ReasonsUmbrella Package
Pricing available to $100,000 per person
Cruise, Tour & Travel(Platinum)
Coverage Limits
Trip Cancellation100% Trip Cost
(maximum $100,000; pre-ex waiver up to $50,000)
Trip Interruption 150% Trip Cost
Trip Interruption-Return Air Only $1,000 or 150% Trip Cost (whichever is greater)
Trip Delay $1,000 ($200 per day; 5 hr delay)
Missed Connection $500 (3-5 hour delay)
Baggage & Personal Effects $2,500
Baggage Delay $500 (24 hr delay)
Medical Expense $50,000
Emergency Medical Transportation $1,000,000
Accidental Death & Dismemberment $50,000
AIG Travel Assist Included
LiveTravel® Assistance Included
Concierge Service Included
Identity Theft Assistance Included
Business Assistant Included (with Cancel For Work Reasons package)
Roadside Assistance Included
Must be purchased within 15 days of initial trip payment Pre-Existing Medical Condition Exclusion Waiver
All pre-paid, non-refundable costs need to be insuredCost of any subsequent arrangements added to the
same trip must be insured within 15 days of the date of payment for the subsequent arrangements
Insured must be medically able to travel at time of purchase
Applies to first $50,000 Trip Cost per person Financial Default Coverage
Default must occur more than 14 days following effective date of policy
List of suppliers no longer covered
Cruise, Tour & Travel(Platinum)
Extra Benefits
Cancel For Any Reason Covers up to 75% of Trip Cost Cancellation must occur more than
48 hours prior to departure Must be purchased within 15 days
of initial trip payment Premium: 1.5 Base Plan Cost
Cancel For Work Reasons Covers for cancellation due to:
Being required to work; Company directly involved in
merger, acquisition, government required product recall, or bankruptcy proceedings
Company is deemed to be unsuitable for business due to fire, flood, burglary, earthquake, hurricane, or other natural disaster
Must be purchased within 15 days of initial trip payment
Premium: $24 per adult
Cruise, Tour & Travel(Platinum)
Optional Coverages
Umbrella Package Missed Connection Benefit
Increases to $750 Double Medical Expense
Coverage Enhanced Emergency Medical
Transportation “Hospital of Choice”
Premium: Varies By Age Car Rental Insurance Coverage
Maximum: $35,000 $250 Deductible Premium: $9 per day per car
Flight Guard®
Maximum: $500,000 Premium: $9 per $100,000
Pricing
$6 service fee applies per policy
$3 service fee applies to each additional package purchased
Pricing available to $100,000 per person
Trips exceeding 30 days, $5 per day per person
Cruise, Tour & Travel(Platinum)
Trip Cost (Per Person)
Age0-34
Age35-59
Age60-69
Age 70-74
Age 75-79
Age 80-84
Age85+
$0 $26 $30 $44 $50 $66 $99 $114
$1-$250 $31 $36 $53 $59 $77 $114 $131
$251-$500 $36 $42 $62 $68 $87 $128 $148
$501-$1000 $62 $75 $104 $122 $152 $220 $240
$1001-$1500 $90 $103 $146 $172 $222 $321 $341
$1501-$2000
$116 $143 $187 $220 $297 $435 $448
$2001-$2500
$145 $178 $229 $284 $373 $545 $555
$2501-$3000
$170 $214 $272 $342 $448 $662 $673
$3001-$3500
$195 $258 $314 $400 $539 $773 $789
$3501-$4000
$219 $293 $356 $458 $617 $884 $903
$4001-$4500
$245 $328 $397 $530 $714 $994 $1015
$4501-$5000
$270 $375 $440 $590 $799 $1090 $1129
Product Overview
ProtectAssistGold Program
Most popular package planSuitable for most vacation and leisure tripsSecondary CoverageChildren 17 & under included at no additional costValue Added Packages
Cancel For Any ReasonCancel For Work ReasonsUmbrella Package
Pricing available to $100,000 per person
ProtectAssist(Gold)
Coverage Limits
Trip Cancellation 100% Trip Cost (maximum $100,000; pre-ex waiver up to $30,000)
Trip Interruption 150% Trip Cost
Trip Interruption-Return Air Only $750 or 150% Trip Cost (whichever is greater)
Trip Delay $750 ($150 per day; 5 hr delay)
Missed Connection $250 (3-5 hour delay)
Baggage & Personal Effects $1,000
Baggage Delay $300 (24 hr delay)
Medical Expense $25,000
Emergency Medical Transportation $500,000
AIG Travel Assist Included
LiveTravel® Assistance Included
Concierge Service Included
Identity Theft Assistance Included
Business Assistant Included (with Cancel For Work Reasons package)
ProtectAssist(Gold)
Extra Benefits
Must be purchased within 15 days of initial trip payment Pre-Existing Medical Condition Exclusion Waiver
All pre-paid, non-refundable costs need to be insured Cost of any subsequent arrangements added to the same
trip must be insured within 15 days of the date of payment for the subsequent arrangements
Insured must be medically able to travel at time of purchase
Applies to first $30,000 Trip Cost per person Financial Default Coverage
Default must occur more than 14 days following effective date of policy
List of suppliers no longer covered Missed Connection Benefit Increases to $500 $50,000 Flight Guard®
ProtectAssist(Gold)
Optional Coverages
Cancel For Any Reason Covers up to 50% of Trip Cost Cancellation must occur more than 48
hours prior to departure Must be purchased within 15 days of
initial trip payment Premium: 1.4 Base Plan Cost
Cancel For Work Reasons Covers for cancellation due to:
Being required to work; Company directly involved in
merger, acquisition, government required product recall, or bankruptcy proceedings
Company is deemed to be unsuitable for business due to fire, flood, burglary, earthquake, hurricane, or other natural disaster
Must be purchased within 15 days of initial trip payment
Premium: $24 per adult
Umbrella Package Double Medical Expense Coverage Upgrade Medical Expense to
Primary Coverage Double Emergency Medical
Transportation Enhanced Emergency Medical
Transportation “Hospital of Choice” $25,000 Accidental Death &
Dismemberment Premium: Varies By Age
Car Rental Insurance Coverage Maximum: $35,000 $250 Deductible Premium: $9 per day per car
Flight Guard®
Maximum: $500,000 Premium: $9 per $100,000
ProtectAssist(Gold)
Pricing
Trip Cost (Per Person)
Age0-34
Age35-59
Age60-69
Age 70-74
Age 75-79
Age 80-84
Age85+
$0 $18 $28 $34 $46 $53 $89 $96
$1-$250 $22 $32 $37 $49 $58 $93 $101
$251-$500 $24 $36 $40 $51 $60 $95 $105
$501-$1000 $41 $52 $65 $89 $108 $144 $172
$1001-$1500 $53 $71 $89 $117 $154 $202 $242
$1501-$2000 $72 $94 $123 $166 $201 $261 $311
$2001-$2500 $92 $118 $152 $205 $248 $320 $381
$2501-$3000
$111 $139 $181 $245 $295 $379 $453
$3001-$3500
$130 $148 $211 $284 $340 $439 $522
$3501-$4000
$148 $162 $240 $323 $388 $519 $592
$4001-$4500
$165 $185 $303 $362 $434 $577 $662
$4501-$5000
$184 $206 $340 $401 $481 $652 $731
$6 service fee applies per policy
$3 service fee applies to each additional package purchased
Pricing available to $100,000 per person
Trips exceeding 30 days, $5 per day per person
Children 17 & under related to primary insured receive coverage at no additional cost when all accompanying adults purchase
Selling Techniques
Offer insurance with each trip bookedDocument if client does not purchase Stress value of adequate insurance
protectionRemind clients of cancellation conditionsUse testimonials or travel mishaps from
other customersExplain AIG Travel Guard Satisfaction
Guarantee
Overcoming Common Objections
I’m going on this trip no matter what.It’s too expensive.I already have insurance coverage.My credit cards provide coverage.Why should I purchase AIG Travel
Guard instead of the tour operator or cruise line protection?
Technology Solutions
ezTIPS™Reduces transaction timeProvides 3-Step Power QuotingTransfers information from your reservation
systemAgent Website
Listed in the Top 10 Travel Industry Websites by Travel Weekly
AIG Travel Guard ToolboxProvides agents access to Policy Tools; Alerts;
Claims
Technology Solutions
ezTIPS™
Technology Solutions
Agent Website
Technology Solutions
AIG Travel Guard Toolbox
Contact Us
IMPORTANT
When you or your clients have detailed questions, refer to our World Service Center:
1.800.826.1300
THANK YOU
Sales Representative NameSales Representative Title1.800.826.7791 ext. 17005