AIG UAE
AIG UAE is the Dubai branch of American Home Assurance Company, a New York insurer in the American International Group (AIG), operating in Dubai since 2009. It sells Travel Guard travel insurance to UAE residents online in three plans, Platinum, Gold and Silver. Claims go to its Dubai claims department, and AIG Travel runs the 24-hour emergency line.
Out of 5 from 99 Google reviews across 2 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about AIG UAE
AIG UAE averages 3.0 out of 5 across 99 Google reviews of its UAE offices, read 5 Nov 2026. Those reviews cover everything it sells, not only travel insurance.
Read the Google reviews for each office
| Office | Rating | Reviews |
|---|---|---|
| The H Hotel - Complex, 27th Floor, 1 Sheikh Zayed Rd, Trade CentreTrade Centre 1 - Dubai | 3.2 | 78 |
| 796C+4MX, Dubai Int'l Airport - Dubai Airport Free Zone - Dubai | 2.1 | 21 |
AIG UAE travel insurance
AIG sells one travel product, Travel Guard, in three plans: Platinum, Gold and Silver. Each is sold as a single trip or an annual multi-trip policy, for UAE residents and citizens travelling from the UAE. Annual policies cover trips of up to 90 days each, and AIG says all three plans meet Schengen visa requirements.
| Plan | Type | What it is |
|---|---|---|
| Travel Guard Platinum | Single trip or annual multi-trip | Emergency medical USD 500,000, trip cancellation or curtailment USD 5,000, baggage USD 2,500, trip delay up to USD 1,000, personal liability USD 1,000,000. The only plan with missed departure, emergency family travel, legal fees and bail bond cover.3 |
| Travel Guard Gold | Single trip or annual multi-trip | Emergency medical USD 100,000, trip cancellation or curtailment USD 2,500, baggage USD 1,000, trip delay up to USD 500, personal liability USD 500,000.3 |
| Travel Guard Silver | Single trip or annual multi-trip | Emergency medical USD 50,000, repatriation of remains USD 5,000 and the 24-hour assistance service. The table of benefits gives no cancellation, baggage, delay or liability cover on Silver.3 |
| Cover | With this insurer | Details |
|---|---|---|
| Emergency medical expenses | Included | USD 500,000 on Platinum, USD 100,000 on Gold and USD 50,000 on Silver, with a USD 100 deductible. Treatment in the UAE is excluded. For inpatient treatment you must first call AIG Travel on +1 817 826 7276.4 |
| Medical evacuation and repatriation | Included | Paid within the emergency medical limit, and must be arranged and authorised in advance by the Assistance Department. Repatriation of remains is USD 10,000 on Platinum, USD 7,000 on Gold and USD 5,000 on Silver.4 |
| Trip cancellation | Depends on plan | USD 5,000 on Platinum and USD 2,500 on Gold. Silver has none. Listed reasons include sickness, injury or death of you, a travelling companion, a host abroad or a close relative.4 |
| Trip curtailment | Depends on plan | Shares the cancellation limit: USD 5,000 on Platinum and USD 2,500 on Gold. You must return to the UAE and tell AIG as soon as reasonably possible. A doctor's certificate is needed for sickness or injury.4 |
| Trip delay | Depends on plan | USD 50 an hour after a 4-hour excess, up to USD 1,000 on Platinum and USD 500 on Gold, for meals and lodging. The delay must come from equipment failure, bad weather, industrial action, natural disaster or a strike. Silver has none.4 |
| Baggage | Depends on plan | USD 2,500 on Platinum (USD 1,250 a bag, USD 125 an item) and USD 1,000 on Gold (USD 500 a bag, USD 50 an item). Silver has none. Theft must be reported to the police within 24 hours.4 |
| COVID-19 | Included | Medical costs up to USD 250,000 on Platinum, USD 100,000 on Gold and USD 50,000 on Silver, within the medical limit. USD 150 a day for up to 14 days if you test positive abroad and are placed in mandatory quarantine.19 |
| Personal liability | Depends on plan | USD 1,000,000 on Platinum and USD 500,000 on Gold. Silver has none.3 |
More cover details (11)
| Cover | With this insurer | Details |
|---|---|---|
| Missed departure | Depends on plan | Platinum only, up to USD 1,000, if a strike, a public transport breakdown, or an accident or breakdown of your vehicle stops you reaching the final international departure point. The wording does not mention a missed connection between flights.4 |
| Baggage delay | Depends on plan | USD 50 an hour after 4 hours, up to USD 1,000 on Platinum and USD 500 on Gold. Silver has none.3 |
| Hazardous and winter sports | Optional extra | An optional extra charged at 100% on top of standard rates.19 |
| Hazardous and winter sports limits | Optional extra | With the option, personal accident and medical cover extend to hazardous sports up to the plan limits, plus ski hire up to USD 500, skis and ski equipment USD 300, unused ski packs USD 300, and piste and avalanche closure USD 150 each.3 |
| Terrorism | Optional extra | Excluded unless bought. The extension pays up to USD 100,000 for personal accident and USD 100,000 for medical on Platinum, and USD 25,000 and USD 50,000 on Gold. Silver has no extension.4 |
| Direct billing abroad | Depends on plan | The Assistance Department's services include direct billing to medical providers.4 |
| Outpatient treatment | Depends on plan | AIG's product page says outpatient medical expenses are reimbursed to you under the policy terms. Keep original bills, medical reports and any lab tests.19 |
| Area of cover | Depends on plan | Worldwide except Afghanistan, Iraq, Cuba, Iran, Syria, North Korea, the Crimea, Donetsk and Luhansk regions of Ukraine, and the UAE. The policy must be bought before you leave the UAE, and each trip must start and end there.4 |
| Trip length on annual policies | Depends on plan | Cover for each trip ends when you return to the UAE or after 90 days, whichever is earlier.4 |
| Age limits, product page | Depends on plan | The product page gives 3 months to 74 years and 364 days, for residents or citizens of the UAE.19 |
| Age limits, policy wording | Depends on plan | The wording covers 3 months to 69 years, with an optional extension to 74 under the Silver plan, which differs from the product page. Cover ends on the date you reach the maximum age.4 |
Published prices
- AIG publishes no price table. Its product page says children aged 3 months to 17 years and 364 days pay 50% of standard rates, and family policies cover you, your spouse and any number of children, as of 12 November 2026.19
Check before you buy
- Any pre-existing condition: one for which care, treatment or advice was recommended or received in the 2 years before the policy started, or that needed hospital treatment or surgery in the 5 years before. Heart and circulation conditions are also excluded if you had advice or treatment for high blood pressure in the 2 years before the trip.4
- Pregnancy and all related conditions.4
- War, hostilities, civil war, riot and civil commotion, and terrorism unless you bought the terrorism extension.4
- Planned or actual travel to Cuba, Iran, Syria, North Korea, or the Crimea, Donetsk and Luhansk regions, and actual travel to Afghanistan or Iraq.4
- Cancelling or cutting short a trip only because of border closures, quarantine or other government orders or advisories about COVID-19, or because an airline or hotel offered a voucher or rebooking.4
Policy documents
- Travel Guard UAE policy wordingPolicy wording
- Travel Guard table of benefitsTable of benefits
How to claim with AIG UAE
- Claims phone+1 817 826 7276 (emergency assistance
- Claims phone24 hours)
- Claims phone, emergency assistance, UK number+44 1273 400 610
- Claims phone, claims, Monday to Friday 8am to 5pm+971 4 509 6111
- Claims emailmyClaim@aig.com
- Claim onlineOpen claim page
Steps
- In an emergency abroad, and before any hospital admission, call AIG Travel's Assistance Department on +1 817 826 7276, 24 hours a day, and quote your policy number.19
- Tell AIG UAE's claims department in Dubai about the claim within 90 days of the incident: call +971 4 509 6111, email myClaim@aig.com, or register it on the claims portal.4
- AIG sends you the claim form and instructions. Fill in all of it.4
- Send the proof of loss and receipts AIG asks for within 90 days after the notification period ends.4
- AIG pays the benefit to you, or to another appropriate party where necessary.4
Documents to have ready
- Your policy number, shown on your certificate of insurance19
- Original medical bills and invoices, medical reports and any lab tests19
- Original receipts for expenses during a trip or baggage delay4
- A police report made within 24 hours for any theft or loss4
- A written report from the airline, a property irregularity report, for baggage lost or damaged in its care4
- A doctor's certificate or death certificate for a cancellation or curtailment claim4
- Give written notice within 90 days of the incident. Late notice may lead AIG to deny the claim.4
- AIG says claims are processed within 7 working days once it has all the documents.19
- Complaints: AIG acknowledges in writing within 2 working days and gives a final response within 3 weeks of that. If you are not satisfied, you can refer the complaint to Sanadak.4
Not happy with a claim? Complain to AIG UAE at servicecenter-me@aig.com first. How to complain about an insurer.
About AIG UAE
- Legal name
- American Home Insurance Company (Dubai Br.)
- Founded
- 1 May 2009 (Dubai branch start)1
- Type
- Conventional insurer selling general insurance. It operates as a branch of a foreign company.1
- Owner
- Branch of American Home Assurance Company, incorporated in New York. The ultimate holding company is American International Group Inc.1
- Listed on
- Parent American International Group, Inc. is listed on the New York Stock Exchange as AIG11
- Headquarters
- Dubai8
- UAE branches
- One office listed, in Dubai8
- Also sells
- Casualty, Marine, Financial lines, Property, SME package, Crisis management, Environmental impairment5
- Central Bank
- Listed in the Central Bank of the UAE register, September 2026, number 792
Financial strength
The ratings shown belong to American Home Assurance Company and the wider AIG group, not to the Dubai branch alone.
| Agency | Grade | Covers | Date |
|---|---|---|---|
| Fitch | AA- insurer financial strength, American Home Assurance Company, Stable13 | Parent group | 18 Nov 2025 |
| AM Best | A (Excellent) financial strength, a+ issuer credit, American Home Assurance Company and other AIG property and casualty companies, Positive11 | Parent group | 20 Nov 2025 |
| S&P | AA- financial strength, American Home Assurance Co. and other core AIG subsidiaries, Stable12 | Parent group | 15 May 2025 |
| Moody's | A1 insurance financial strength, AIG's major property and casualty companies, Stable14 | Parent group | 18 Jun 2025 |
Recent news
- AIG filing lists American Home Assurance Company's ratings
AIG's third quarter Form 10-Q gives A from AM Best, AA- from S&P, AA- from Fitch and A1 from Moody's, as of the filing date.18
- AIG group reports third quarter 2026 results
The parent group reported net income of $844 million for the quarter to 30 September 2026. This is a group figure, not a UAE one.16
- Dubai branch signs off 2025 accounts with AED 56.4 million profit
Profit for 2025 was AED 56,376,814, against AED 50,036,989 in 2024.1
- AM Best moves AIG outlook to positive
AM Best kept its A (Excellent) financial strength rating on AIG's property and casualty companies, including American Home Assurance Company.11
- Fitch upgrades American Home Assurance Company to AA-
The grade is a long-term insurer financial strength rating, with a stable outlook.13
Contact AIG UAE
- Phone04 509 6111
- Toll free800 1244
- EmailServiceCenter-ME@AIG.com
- Complaints emailservicecenter-me@aig.com
- ComplaintsOpen complaints page
- HoursMonday to Friday, 8am to 5pm
- Head officeThe H Hotel Complex, 27th Floor, One Sheikh Zayed Road, Trade Centre First, P.O. Box 40569, Dubai
Branches (1)
| Branch | Address | Phone |
|---|---|---|
| Dubai office | The H Hotel Complex, 27th Floor, One Sheikh Zayed Road, Trade Centre First, P.O. Box 40569, Dubai | 04 509 6111 |
Common questions
Who is the insurer behind AIG Travel Guard in the UAE?
Travel Guard is underwritten by American Home Assurance Company (Dubai Branch), a subsidiary of American International Group, Inc. (AIG). AIG's website gives its Central Bank registration number as 79. The Central Bank register lists number 79 under the name American Home Insurance Company (Dubai Br.).19
What is the AIG travel insurance emergency number?
AIG UAE's claims page lists two emergency assistance numbers: +1 817 826 7276 and a UK number, +44 1273 400 610. The policy wording gives +1 817 826 7276 as the 24-hour Assistance Department line, and you must call it before any inpatient treatment. Quote your policy number.6
How do I make an AIG travel insurance claim?
Tell AIG within 90 days of the incident by calling +971 4 509 6111, emailing myClaim@aig.com, or using the claims portal at aig.ae. AIG then sends you a claim form. Send the documents it asks for within 90 days after that.4
Is AIG travel insurance accepted for a Schengen visa?
AIG says all three Travel Guard plans, Silver, Gold and Platinum, are Schengen visa compliant.19
Does AIG travel insurance cover pre-existing conditions?
No. AIG says you can buy Travel Guard with a pre-existing medical condition, but the policy excludes any pre-existing condition.19
How long can each trip be on an AIG annual travel policy?
Up to 90 days. The annual multi-trip option covers any number of trips in a year, but each trip must not exceed 90 days.19
Can I cancel my AIG travel policy?
Yes, with a full refund if you cancel in writing before the start date and no claim has been made. An annual policy can also be cancelled after it starts, with a pro rata refund if there has been no claim. A single trip policy cannot be cancelled or extended once it has started.4
How do I complain to AIG UAE?
Use the online form, call 800 1244, or write to its Dubai office. AIG says it acknowledges within two working days and aims to share its findings within three weeks of that.10
What if I am not happy with AIG's response to my complaint?
AIG's complaints page says you can go to the Ombudsman Unit, Sanadak, on 800 726 2325 if you are dissatisfied with its final response or with a delay beyond 15 working days.9
Sources
19
1American Home Assurance Company, Dubai Branch, Financial statements for the year ended 31 December 2025. Last checked 5 Nov 2026. Source document: Financial statements for the year ended 31 December 2025
2Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
3AIG UAE, Travel Guard table of benefits. Last checked 12 Nov 2026. Source document: Travel Guard table of benefits
4AIG UAE (American Home Assurance Company, Dubai Branch), Travel Guard UAE policy wording. Last checked 12 Nov 2026. Source document: Travel Guard UAE policy wording
5AIG UAE, Business Insurance. Last checked 5 Nov 2026. Source document: Business Insurance
6AIG UAE, Claims. Last checked 12 Nov 2026. Source document: Claims
7AIG UAE, Report a Claim. Last checked 12 Nov 2026. Source document: Report a Claim
8AIG UAE, Contact Us. Last checked 5 Nov 2026. Source document: Contact Us
9AIG UAE, Complaints & Feedback. Last checked 5 Nov 2026. Source document: Complaints & Feedback
10AIG UAE, AIG Complaints Process. Last checked 5 Nov 2026. Source document: AIG Complaints Process
11AM Best, AM Best Revises Outlooks to Positive for Credit Ratings of American International Group, Inc. and Its Core Property/Casualty Subsidiaries. Last checked 5 Nov 2026. Source document: AM Best Revises Outlooks to Positive for Credit Ratings of American International Group, Inc. and Its Core Property/Casualty Subsidiaries
12S&P Global Ratings, Research Update: American International Group Inc. And Core Subsidiaries Upgraded To 'AA-' From 'A+'. Last checked 5 Nov 2026. Source document: Research Update: American International Group Inc. And Core Subsidiaries Upgraded To 'AA-' From 'A+'
13Fitch Ratings, American Home Assurance Company Credit Ratings. Last checked 5 Nov 2026. Source document: American Home Assurance Company Credit Ratings
14Reinsurance News, Moody's upgrades ratings of AIG P&C subsidiaries with stable outlook. Last checked 5 Nov 2026. Source document: Moody's upgrades ratings of AIG P&C subsidiaries with stable outlook
15AIG, AIG Reports Fourth Quarter and Full Year 2025 Results (SEC exhibit 99.1). Last checked 5 Nov 2026. Source document: AIG Reports Fourth Quarter and Full Year 2025 Results (SEC exhibit 99.1)
16AIG via Business Wire, AIG Delivers Strong Third Quarter Results. Last checked 5 Nov 2026. Source document: AIG Delivers Strong Third Quarter Results
17Trustpilot, Trustpilot company record for aig.ae. Last checked 5 Nov 2026. Source document: Trustpilot company record for aig.ae
18American International Group, Inc., Form 10-Q for the quarter ended 30 September 2026. Last checked 5 Nov 2026. Source document: Form 10-Q for the quarter ended 30 September 2026
19AIG UAE, Travel Insurance (Travel Guard). Last checked 12 Nov 2026. Source document: Travel Insurance (Travel Guard)
- Owner
- Travelinsurance.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published