I always use Travel Guard, that fact they are really AIG doesn't bother me. And they have been wonderful when I needed them. Have filed 3 claims, 2 for 100% reimbursement of a
disney cruise and the other expenses for a large medical claim in Alaska. The fact that my DH is a walking medical claim is an issue others might not have.
That said, I was the AVP of Underwriting, Policy Processing and Systems Development at a large personal lines insurance company so I know what to look for in an insurance policy having written a lot of them myself, and what riders to purchase for us (no not TG nor AIG). Not everyone might need the things I find important. Travel Guard covers pre-existing conditions, which
DCL insurance didn't. However, some of the reasons I prefer TG only apply if you buy the insurance within 14 days of your downpayment on the trip. So ask questions. I also want a
travel insurance that is primary for medical claims, the rider I buy makes them primary. I don't want to have to bother with filling a claim with UHC, my medical insurance. Also want a travel insurance that covers the things that are excluded by UHC, like medical claims which occur out side the US or its territories. Lastly, but maybe more importantly, TG has always been wonderful to work with. There is an informed and empowered live person who I can understand and can understand me, that I can reach by phone anywhere in the world, 7/24. They have always been the most helpful and business like. Oh, one last thing, while not as important, you might be wondering - they are cheaper then DCL> Val