Travel Guard's claim representatives offer world class care and are committed to delivering superior service to you, our valued customer.

How To File A Claim

To Claim For Emergency Medical and Dental Benefits:

You must contact us at 866-878-0192 or collect at 416-646-3723 before seeking medical attention and a failure to call will result in your being responsible for 30% of any eligible expenses incurred unless your medical condition prevents you from calling, in which case you must call as soon as medically possible or have someone call on your behalf. We will make every effort, although we cannot guarantee, to pay providers directly. Receipts for incurred expenses including those for subsistence allowance expenses are required.

In addition you authorize any hospital, physician, other medical service provider or any other organization or person that has any records or knowledge of me or my health conditions to release to the Insurer, and its affiliates, third party administrators, agents, legal representatives and reinsurers any such information for the purpose of the Medical Questionnaire (when required), the insurance policy and any subsequent claim.


To Claim For Trip Cancellation, Interruption and Delay Benefits:

You must notify us immediately of a cancellation, interruption or delay no later than the next business day following a cancellation, interruption or delay. You must provide:

  1. Proof of all non-refundable, prepaid deposits or payments;
  2. Completed documentation if a medical condition was the cause for cancellation;
  3. Complete unused transportation tickets and vouchers;
  4. Receipts for subsistence allowance expenses;
  5. Original receipts for new tickets;
  6. Reports from police or local authorities documenting the missed connection or travel delay; and
  7. Invoices and receipts from travel service providers.


To Claim For Rental Car Collision Damage Protection Benefits:

If you have purchased this optional coverage and you wish to submit a claim, you must provide:

  1. Your car rental invoice;
  2. Your rental agreement with the record of the damages that existed when you picked up the car; and
  3. The police report and rental car agency report including estimate of repair costs.

You must file your claim with us within 30 days of the loss or damage in the case of a claim under Rental Car Protector Coverage.


All claim information should be sent to:

Travel Guard 
Attn: Claims Department
120 Bremner Boulevard, Suite 2200
Toronto, ON M5J 0A8

Claims - Frequently Asked Questions

At time of claim we may request you to complete a Release of Information (ROI) form to enable our claims department to obtain your medical records from your family physician. These medical records will assist in determining that you met the pre-existing conditions of the package or plan that you purchased. 

These records can also be of assistance to your treating physician at time of claim at your destination to ensure that you are receiving the proper medical attention.

Submit the e-ticket passenger receipt or the ticket confirmation received for air travel booked online.

Yes, you may submit your claim information by fax if the requested documentation is not requesting any original tickets or receipts. If the requested documentation includes originals please mail the information to Travel Guard to our street address. We do not provide out-bound call confirmation upon receipt of faxed claim forms. Our analyst will contact you if they require additional documentation.

No refund of Premium will be made in the event that a claim has been paid, incurred or reported under this Policy.

Have Questions?
Need help with your quote?

Call us at: 866-648-8422

Hours of operation (Eastern):
Monday – Friday 8 a.m. to 9 p.m.
Saturday / Holidays 9 a.m. to 5 p.m.

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American International Group, Inc. (AIG) operates in more than 80 countries and jurisdictions around the world to serve you better.

Please note that travel insurance products are currently not available to residents of the Province of Quebec. SVP prendre note que nos produits d’assurances voyages ne sont pas présentement offerts aux résidents de la province du Québec. *Coverage as low as $20 is an example based on a 29 year old traveller purchasing the Gold Emergency Medical Single Trip Plan for a 6 day trip with no deductible; actual cost of insurance is $19.98. Prices vary based on individual needs.

Insurance underwritten by AIG Insurance Company of Canada (AIG Canada), with its principal place of business at 120 Bremner Boulevard, Suite 2200, Toronto, ON M5J 0A8. All policies are administered on AIG Canada’s behalf by Travel Guard Group Canada, Inc. (Travel Guard). The coverage described herein is a summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the Travel Guard products available. Please review full policy language for complete coverage details.