AIG Europe S.A. (Greece Branch) / AIG Hellas S.A. Representation of Insurance Companies
AIG Travel Guard
AIG Travel Guard is a travel insurance for the Greece market with no online purchase and 24/7 assistance.
Direct payment
AIG Travel (Travel Guard) guarantees or directly pays required amounts to hospitals, doctors, and transport companies on behalf of the insured. The insured must contact AIG Travel immediately in case of need for evacuation or hospitalization.
Geographic scope
Greece and worldwide (Europe, North Africa & Middle East, Rest of World excl. USA/Canada, Rest of World incl. USA/Canada)
Coverage begins from departure from permanent residence in Greece and ends upon return. Domestic travel covered only for distances over 100 km from permanent residence. Excluded destinations: Cuba, Iran, Syria, Sudan, North Korea, Crimea, Afghanistan, DRC, Iraq, Liberia, and any country/region under official travel ban.
Starting price
€20
Unique selling points
- Four selectable coverage tiers (VALUE/SILVER/GOLD/VIP) with medical expense limits up to €300,000, allowing travelers to match coverage to their destination and budget.
- 24-hour global emergency assistance via AIG Travel Guard, with direct payment guarantees to hospitals, doctors, and transport companies worldwide, reachable 365 days a year at +44 1273 565 190.
- COVID-19 medical expenses are explicitly covered (not excluded as an epidemic/pandemic), with insured sums up to €200,000 (VIP tier), a coverage inclusion that is not standard across all travel insurers.
- Optional Winter Sports add-on (GOLD/VIP) covers ski equipment loss, piste closure, avalanche delays, unused ski packs, and accident-related inability to ski — a comprehensive ski-specific bundle for winter travelers.
- Personal liability coverage up to €50,000 is included in SILVER/GOLD/VIP tiers at no additional cost, protecting travelers against third-party bodily injury or property damage claims during their trip.
Coverage limits
Medical Expenses (Accident & In-Hospital Illness)
Covered
Accident medical expenses (in and out of hospital) up to €15,000 (VALUE) / €30,000 (SILVER) / €75,000 (GOLD) / €300,000 (VIP). In-hospital illness expenses up to the same limits with deductibles of €100 (VALUE/SILVER) / €200 (GOLD) / €300 (VIP). Coverage does NOT apply in the insured's country of permanent residence.
Emergency Medical Treatment (Accident, in/out of hospital)
Covered
Emergency medical treatment costs arising from an accident, covered both inside and outside hospital, up to €15,000 (VALUE) / €30,000 (SILVER) / €75,000 (GOLD) / €300,000 (VIP). Not applicable in the insured's country of permanent residence.
In-Hospital Illness (Sudden Illness Hospitalization)
Covered
In-hospital treatment for sudden illness up to €15,000 with €100 deductible (VALUE) / €30,000 with €100 deductible (SILVER) / €75,000 with €200 deductible (GOLD) / €300,000 with €300 deductible (VIP). Coverage does NOT apply for travel within Greece.
Outpatient Illness Treatment (Outside Hospital)
Excluded
Outpatient illness expenses (e.g. doctor visits, medications, tests outside hospital) are explicitly excluded from coverage. Only accident medical expenses are covered both in and out of hospital; sudden illness is covered only when hospitalized.
Emergency Dental Treatment
Not offered
Emergency dental treatment is not listed as a covered benefit in any tier of this product. The sources do not mention dental coverage.
Emergency Evacuation Expenses
Covered
Emergency evacuation expenses from all countries due to accident or illness, up to €7,500 (VALUE) / €10,000 (SILVER) / €15,000 (GOLD) / €25,000 (VIP). Covers costs arising from the evacuation of the insured due to illness or serious injury.
Medical Evacuation and Repatriation
Covered
Emergency medical evacuation from all countries due to accident or illness, up to €7,500 (VALUE) / €10,000 (SILVER) / €15,000 (GOLD) / €25,000 (VIP), with 24-hour global AIG Travel Guard assistance service. Coverage for emergency medical evacuation and repatriation to home country.
Repatriation of Remains
Covered
Costs for the repatriation of the insured's remains in the event of death due to accident or illness, from all countries, up to €5,000 (VALUE) / €5,000 (SILVER) / €7,500 (GOLD) / €15,000 (VIP).
Search and Rescue
Not offered
Search and rescue is not listed as a distinct covered benefit in the product sources. Not explicitly mentioned in any tier.
COVID-19 Related Medical Expenses
Covered
Coverage is provided for COVID-19 related cases as detailed in the insurance contract, with insured sum for illness medical expenses up to €15,000 (VALUE) / €30,000 (SILVER) / €75,000 (GOLD) / €200,000 (VIP), with the respective tier deductibles. Note: VIP COVID-19 limit (€200,000) differs from the general VIP illness limit (€300,000).
Pre-existing Medical Conditions
Excluded
Pre-existing conditions or illnesses known to the insured at the date of purchase of the insurance are explicitly excluded from coverage in all tiers.
Winter Sports Coverage (Optional Add-on)
Optional
Optional Winter Sports add-on available only with GOLD or VIP tiers, valid from 15 December to 15 April each year, only for the Northern Hemisphere and abroad (not within Greece). Covers: piste closure up to €300/€500; avalanche delay up to €300/€500 (deductible €50/€100); loss/theft/delay/damage to own ski equipment up to €500/€700; unused ski pack up to €200/€400 (deductible €50/€100); inability to ski due to accident up to €300/€600 (deductible €50/€100). Adding Winter Sports doubles the GOLD and VIP premiums.
Adventure / Dangerous Sports Coverage
Excluded
Dangerous activities including mountaineering, speed racing, skydiving, hunting, and other dangerous activities are explicitly excluded. Travel involving manual labor, sports or dangerous activities is excluded unless prior written approval has been obtained from AIG.
Pregnancy and Complications
Excluded
Pregnancy and its consequences are explicitly excluded from coverage in all tiers.
Personal Liability
Conditional
Compensation for personal liability of the insured if during travel they unintentionally cause bodily injury or material damage to third parties. Not covered in VALUE tier (€0). Covered up to €20,000 (SILVER) / €30,000 (GOLD) / €50,000 (VIP).
Legal Assistance
Not offered
Legal assistance is not listed as a covered benefit in any tier of this product. The sources do not mention legal expense coverage.
24-Hour Global Assistance Service (AIG Travel Guard)
Covered
24-hour global assistance service provided by AIG Travel (Travel Guard), available 365 days a year via dedicated telephone line (+44 1273 565 190) in any location worldwide. Guarantees or directly pays required amounts to hospitals, doctors, and transport companies on behalf of the insured. Available in all tiers; does NOT apply for travel within Greece.
Key conditions
Assistance call deadline
The insured must contact AIG Travel immediately in case of need for assistance (evacuation, hospitalization, etc.). Claims must be submitted to the Claims Department within 20 days of the date of the incident.
Unauthorized treatment
Expenses incurred after return to the country of residence, or additional expenses after the moment AIG Travel considers the insured capable of returning home, are not covered. Outpatient illness expenses (doctor visits, medications, tests outside hospital) are excluded.
Purchase while abroad
The insurance policy must be purchased before the trip begins. Trips that did not originate from Greece or that started before the insurance commenced are not covered. The full premium must be paid before the start of the trip.
Chronic conditions
Pre-existing conditions or illnesses known at the date of purchase are excluded. Chronic or pre-existing diseases are not covered in any tier.
Pregnancy
Pregnancy and its consequences are explicitly excluded from coverage in all tiers. There is no maternity or pregnancy complication benefit.
Pre-existing condition exclusions
Conditions known at the time of purchase are excluded from coverage. Hernia, weight loss conditions, intoxication, and drug use are also excluded.
Coverage duration limit
Coverage begins from the moment of departure from the insured's permanent residence in Greece and lasts until return to permanent residence. Maximum trip duration covered is up to 31 days per trip based on the premium tables. For domestic travel within Greece, coverage applies only for distances greater than 100 km from permanent residence.
Policy specifics
Flight delay expenses
Coverage for emergency expenses incurred due to flight departure delays
Luggage delay expenses
Coverage for expenses incurred when checked luggage arrives late at destination
COVID-19 related coverage
Coverage for COVID-19 related medical expenses and complications during travel
Age eligibility range
Coverage available for individuals aged 6 months to 75 years old
Geographic coverage scope
Coverage applies for leisure travel within Greece and worldwide; domestic travel must exceed 100km from permanent residence
High-risk activities exclusion
Coverage excludes mountaineering, racing, skydiving, hunting, and other dangerous activities
Conflict zone and embargoed region exclusion
Travel to war zones or regions with embargoes (e.g., Afghanistan, Cuba) are excluded from coverage