Cancellation Aig: Easy Method

What is Aig

Overview

AIG (American International Group) operates in Canada offering travel insurance products under the Travel Guard/Travelguard.ca brand, including single-trip and annual emergency medical plans and other travel-related covers. Policies are sold directly online and through agents/brokers; terms, cancellation and complaint processes are governed by the policy wording and Canadian regulatory requirements.

How to cancel Aig

• Confirm eligibility: if you are within the 10 Day Right to Examine from purchase and it is before your departure date, you may be eligible for a full refund provided no claim has been made. If your coverage has already begun or a claim has been reported, refunds may not be available.
• Prepare a written cancellation request including your full name, policy number, purchase date, travel dates, reason for cancellation and banking or payment details for any refund.
• If you bought through an agent or broker, send the written request to that issuer; if you purchased directly from Travel Guard/ AIG, send the request in writing to AIG (registered mail recommended) to establish proof of delivery. Requests made by phone will not be accepted for refund processing.
• If you used an app store (Apple/Google) to purchase, note that AIG does not document a separate App Store/Google Play cancellation process in Canada and directs customers to follow the purchase-method instructions or contact their agent/AIG for guidance.

What happens when you cancel

When AIG accepts a cancellation before coverage begins, access to policy benefits stops as of the cancellation date and the policy will not renew. If a refund is due, AIG processes it according to their procedures and the refund replaces the policy premium; if a claim has been reported or paid, no premium refund will be made. Your policy record will reflect the cancellation; AIG retains policy and claims data in accordance with privacy and regulatory requirements, and you may be asked to supply documentation to support the refund request.

Will I get a refund?

If you cancel within the 10 Day Right to Examine and it is prior to your departure, you are generally entitled to a full refund provided no claim has been made. If you cancel before your trip but after the 10-day window, a refund may still be available for unused coverage days, but specifics depend on the plan and timing; if coverage has already begun or a claim has been incurred, reported, or paid, no refund of premium will be made. Refund requests must be submitted in writing (or through your issuing agent/broker); phone requests are not accepted for refund processing. Independent summaries indicate refunds can take time to process (examples suggest up to 15 business days after form submission) and, in some cases, a voucher may be offered instead of a cash refund when not eligible.

Aig plans and pricing

Your consumer rights in Canada

If you are dissatisfied after using AIG’s internal complaint procedures you can escalate to the General Insurance OmbudService (GIO) for unresolved property, auto or business insurance disputes and consult provincial regulators for other matters; links are available via AIG’s complaint-resolution information. In Québec you may request transfer of your complaint file to the Autorité des marchés financiers (AMF). AIG’s complaint-handling standards state they must acknowledge complaints promptly (typically within three business days) and issue written responses within specified timelines; if escalated to the Complaints Officer similar timelines apply. The Financial Consumer Agency of Canada (FCAC) oversees federally regulated financial institutions and can provide guidance on complaint-handling expectations.

Customer experiences

Public reviews for AIG in Canada show a number of negative experiences centered on denied or delayed claims, repeated documentation requests, perceived lack of transparency and slow communication; many customers report claims taking longer than advertised processing times or being denied due to exclusions in the policy wording. There are fewer publicly listed positive reviews in the sources summarised here, so prospective customers should review policy terms carefully and retain documentation for any claim or cancellation.

Documentation checklist

• Policy number and proof of purchase (email confirmation or receipt)
• Full name, contact details and travel dates
• Reason for cancellation and any supporting documents (e.g., itinerary change, medical evidence if relevant)
• Statement that no claim has been made (if applicable) or details of any claim if one exists
• Bank account or payment details for refund processing
• Copy of written cancellation request and proof of delivery (registered mail receipt or broker acknowledgement)

Common mistakes

Common errors include assuming a phone call suffices for a refund request (AIG requires written requests or agent submissions), missing the 10 Day Right to Examine deadline, or expecting a refund after a claim has been reported or paid. Other mistakes are failing to confirm whether coverage has already begun, not sending cancellation to the purchasing agent when required, and not keeping copies or proof of the written cancellation and delivery method. For purchases through app stores, customers sometimes expect the app store to handle refunds - AIG’s Canadian guidance does not document an App Store/Google Play-specific process, so follow the purchase-method instructions and keep records.

Comparative recap

After cancelling

After you send your written cancellation, retain copies and proof of delivery (registered mail receipt or agent confirmation). Monitor communications from AIG or your agent for confirmation and refund timing; independent summaries suggest refunds can take up to several business weeks to process. If you have questions or need to lodge a complaint about how your request was handled, review AIG’s customer FAQs and complaint policy and escalate if necessary to the GIO or provincial regulator. Helpful reference pages: AIG Travel Guard FAQs (travelguard.ca FAQs), claims information (travelguard.ca claims), and AIG complaint resolution policy (aig.ca complaint policy).

Address

For written cancellation or correspondence (registered mail recommended): AIG Insurance Company of Canada 120 Bremner Boulevard, Suite 2200 Toronto, Ontario M5J 0A8 Canada