COVID-19 Update: Travel Guard Travel Insurance

An outbreak of respiratory infections was first seen in early December 2019 in Wuhan, Hubei Province, China. On 7 January 2020, this outbreak was identified as being caused by Coronavirus (COVID-19). On 30 January, the World Health Organization (WHO) declared a global health emergency, and on March 11, WHO declared COVID-19 a pandemic. Therefore, any losses for trip cancellation, trip interruption and/or trip curtailment and/or trip delay caused by or due to COVID-19 are not considered unexpected, unknown or unforeseeable and will not be covered under the terms and conditions of this insurance policy.

If you contract COVID-19 prior to departure, you may be covered for trip cancellation, if you have a confirmed and documented diagnosis at the time of departure due to COVID-19. If you contract COVID-19 while on a covered trip, you may be covered for medical expenses and trip interruption/curtailment benefits if you have a confirmed and documented diagnosis.

Please read your insurance policy carefully for a full description of coverage.

If you have already purchased an insurance policy, the facts and circumstances surrounding your trip and the terms and conditions of your policy will determine the extent of coverage for COVID-19 related claims.

Important information from AIG regarding COVID-19

As the COVID-19 pandemic continues to evolve, AIG remains focused on protecting the health and safety of our colleagues and those around us, as well as continuing to serve clients, policyholders, business partners and other stakeholders.

AIG is open for business. The company has activated its Business Continuity Plans and colleagues across our General Insurance business remain available to help meet the needs of clients and other business partners with both in-force and new business. Our call centers also remain accessible to provide support and information.

Helping individuals, businesses and communities prepare for times of uncertainty is at the heart of what we do. We are closely monitoring this evolving situation and will continue to provide updates.

For any queries, please reach out to us by calling +971 (4) 509 6111 or through email at

Travel Guard FAQs

Travel Guard is a travel insurance product, underwritten by American Home Assurance Co (Dubai Branch) a subsidiary of American International Group, Inc (AIG). Travel Guard provides coverage in case of unforeseen circumstances that may force you to cancel or shorten your trip or seek emergency medical treatment while traveling. Your travel insurance also offers coverage for the loss or delay of your baggage, in addition to many other benefits described in the policy, which you can review before making your purchase. All coverage is subject to the policy terms and conditions.

You can buy a Travel Guard policy via

Individuals in the age bracket from 3 months to 74 years and 364 days who are residents or citizens the United Arab Emirates.

Yes. There is a 50% reduction on standard rates for a person aged between 3 months and 17 years and 364 days.

Yes. There is a family rate under the Travel Guard policy. Family is defined as insured person, his/her spouse, and unlimited number of their children.

The Annual Multi Trip option covers you for one-year period for unlimited number of trips, but each trip should not exceed 90 days.

For 24-hour emergency assistance or if you need to be admitted to a hospital, please contact +1 (817) 826 7276 and quote your policy number.

Yes, the Travel Guard policy can be amended in special cases, but amendment can only be made prior to the departure of the first part of the journey.

No, you don't need to carry a copy of your certificate of insurance with you. All you need is your policy number which can be found on your certificate of insurance.

Please Click here to download your certificate of insurance.

For Trip Cancellation:

  • For a single trip policy, cover starts at the time that you book the trip or pay the premium, whichever is later;
  • For an annual multi trip policy cover starts at the time you book a trip, or the effective date shown on the certificate of insurance, whichever is later.

For other benefits, coverage begins when you leave your country of residence. The initial departure point has to be from the United Arab Emirates.

The medical expenses incurred will be reimbursed to you subject to policy T&Cs. Please retain all original medical bills/invoices, medical reports, and laboratory tests (if applicable) and submit them as part of your claim.

Travel Guard policy offers an optional coverage for hazardous & winter sports with 100% loading on standard rates.

The Trip Cancellation Benefit provides coverage for specific reasons as described in your policy terms and conditions and reason for cancellation should be amongst those reasons for the claim to be covered.

Yes. However, Travel Guard policy has an exclusion for pre-existing medical conditions as detailed in the policy wording.

Yes, Travel Guard policy covers theft (and damage due to an attempted theft) as long as incidence occurs while travelling outside of your country of residence and within the period of insurance as stated in your certificate of insurance. Please refer to the Terms & Conditions of the Travel Guard policy to know more on this benefit.

You can submit your claim online by clicking here

Alternatively, you can contact our local office with the below contact details:

American Home Assurance Company Co. (Dubai Br.)

The H Hotel - Complex, Trade Center First, 27th Floor, PO Box: 40569, Dubai, UAE

Telephone number: +971 4 5096111


8 AM – 5PM
Sunday to Thursday

Claims will be processed within 7 working days after you have submitted all the required documentation.

Yes, provided it is before the policy effective date as stated in your certificate of insurance and there is no claim registered under your policy.

24/7 Worldwide Support

Whenever you need us, our 24/7 emergency assistance helpline are here to help as standard.