Formally known as GoReady travel insurance, Aegis General Travel Insurance offers a variety of policies to suit different travelers with prices on the cheaper end of the industry.

Business Insider compared Aegis General to the best travel insurance companies and found it to be an middling choice with a nice array of policy options with some limited add-ons.

Aegis Travel Insurance Pros and Cons

Aegis Travel Insurance Pros

• Comprehensive insurance plans include generous coverage for baggage loss, plus protection from hurricane and other intense weather-related issues
• Competitive pricing

Aegis Travel Insurance Cons

• Online complaints about claims not being paid and non-responsiveness
• CFAR coverage not available with all plans
• Preexisting condition waiver for some plans must be purchased along with CFAR
• No child-inclusive pricing

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Aegis Travel Insurance Overview

Aegis General Insurance Agency provides several types of insurance such as homeowners, life, and pest insurance. Aegis added travel insurance to its list of offerings, when it acquired April Travel Protection in early 2021.

Aegis offers five single-trip insurance plans and two multi-trip plans that have a wide range customization options including CFAR and sports coverage.

Its plans also offer a diverse range of coverage from its more comprehensive VIP and Pandemic Plus options to its Trip Cancellation, which offers low-cost coverage for cancellations. The Aegis Trip Cancellation plan is even included in our guide on the best cheap travel insurance.

That said, Aegis employs two different underwriters— Zurich American and Starr Indemnity & Liability— which differ based on the plan you choose. As a result, Aegis’ options feel less like seven synergistic plans from the same provider and more like a collection of plans from two separate, competing companies.

Aegis’ claims process has received mixed reviews from customers. You’re required to get in contact with a claims agent to start the process, which can be difficult, according to online reviews.

Additionally, its most popular plan, Aegis Choice, only provides preexisting condition waivers when customers purchase CFAR.

Aegis Travel Insurance Coverages and Benefits

Aegis travel insurance offers a variety of plans from which to choose. Picking the right one will depend on your trip and whether you want single-trip coverage or something like an annual plan. The answer to the question of what travel insurance covers varies.

If you’re looking for a single-trip plan, you’ll have a few different choices:

Aegis Trip Cancellation

Aegis’ Trip Cancellation plan is its cheapest offering, available for trips up to 60 days long. It includes the following benefits:

• Trip cancellation: 100% of trip cost
• Trip interruption: Optional add-on covers 150% of trip cost
• Preexisting condition waiver: Available when policy is purchased within 14 days of initial trip deposit

As you can see, coverage with this policy is sparse, not including any trip inconvenience coverage or travel medical insurance. As such, it’s best for those who want trip cancellation coverage and nothing else.

Aegis Choice

This is the most popular Aegis plan and the second cheapest. It covers trips up to 60 days long. It offers the following benefits:

• Trip cancellation: 100% of trip cost
• Trip interruption: 150% of trip cost
• Emergency medical: $50K of secondary coverage
• Dental: $1K of secondary coverage
• Medical evacuation and repatriation: $250K of secondary coverage
• Missed connection: $500 per person (for 3+ hour delay)
• Travel delay: $2K max; $200 per day for 6+ hour delay
• Baggage delay: $200 (24+ hour delay)
• Baggage loss or damage: $500 (Optional upgrade for $2K limit)
• AD&D: $50K max; $10K per person

Aegis Choice also offers a handful of optional upgrades. This includes upgrading for higher limits on emergency medical and evacuation insurance. It also offers optional baggage coverage for sports equipment and electronic/professional equipment.

Lastly, it offers ancillary coverage like cancel for any reason (75% of trip cost), trip cancellation for work reasons, and rental car damage insurance.

It’s also worth noting that preexisting condition coverage is only available as an optional bundle with CFAR coverage. Your policy must be purchased within 14 days of your initial trip deposit to qualify for this rider.

Aegis VIP

A step up from the Choice plan, the Aegis VIP plan offers higher limits on its coverages. It’s available for trips up to 60 days. It offers the following benefits:

• Trip cancellation: 100% of trip cost
• Trip interruption: 175% of trip cost
• Emergency medical: $250K of secondary coverage
• Dental: $1,500 of secondary coverage
• Preexisting condition waiver: Available when policy is purchased within 14 days of initial trip deposit
• Medical evacuation and repatriation: $1M of secondary coverage
• Missed connection: $1K per person (for 3+ hour delay)
• Travel delay: $1,500 max; $250 per day for 6+ hour delay
• Baggage delay: $750 (24+ hour delay)
• Baggage loss or damage: $2,500
• AD&D: $50K per person
• Rental car damage: $50,000 per person

Aegis VIP also offers a handful of optional upgrades. This includes upgrading for higher limits on emergency medical and evacuation insurance. It also offers optional baggage coverage for sports equipment and electronic/professional equipment.

Lastly, it offers ancillary coverage for trips cancelled due to work reasons.

Notably, the VIP plan does not offer optional CFAR coverage.

Aegis Pandemic Plus

Available for trips up to 90-days long, the Aegis Pandemic Plus plan prioritizes medical insurance, as the only Aegis plan that offers primary coverage. The only single-trip plan underwritten by Starr, it offers the following benefits:

• Trip cancellation: 100% of trip cost
• Trip interruption: 150% of trip cost
• Emergency medical: $50K of primary coverage
• Dental: $750 of primary coverage ($50 deductible)
• Preexisting condition waiver: Available when policy is purchased within 24 hours after final trip deposit
• Medical evacuation and repatriation: $500K of primary coverage
• Missed connection: $250 per person (for 3+ hour delay)
• Airline ticket change fee: $200
• Travel delay: $1K max; $200 per day for 6+ hour delay
• Baggage delay: $500 (24+ hour delay)
• Baggage loss or damage: $2,500
• AD&D: $10K per person

The Pandemic Plus plan doesn’t offer many optional upgrade. The only rider available with Aegis is its CFAR coverage, offering up to 75% of trip cost.

Aegis Cruise

The Aegis Cruise plan is the most expensive plan, offering some unique benefits for a trip up to 90 days long. It offers the following benefits:

• Trip cancellation: 100% of trip cost
• Trip interruption: 150% of trip cost
• Emergency medical: $100K of secondary coverage
• Dental: $1K of secondary coverage
• Preexisting condition waiver: Available when policy is purchased within 24 hours of final payment
• Medical evacuation and repatriation: $250K of secondary coverage
• Missed connection: $750 per person (for 3+ hour delay)
• Itinerary change: $250
• Travel delay: $1K max; $200 per day for 6+ hour delay
• Baggage delay: $750 per person (24+ hour delay)
• Baggage loss or damage: $1,500 per person
• AD&D: $25K per person

The Aegis cruise plan offers a few optional upgrades and add-ons, including higher coverage for travel delay and baggage coverage. It also offers cancel for any reason and rental car damage coverage.

Aegis Annual Multi-Trip Plans

Annual/Multi-Trip Primary plan – This policy is ideal for you if you’re a frequent flyer who goes on three or more trips each year or travels for up to 90 days at a time. It includes baggage coverage ($1,000), baggage delay ($100 per person, $300 policy limit), and $30,000 in initial coverage for emergency accident and sickness medical expenditures. It also includes trip cancellation insurance, something the Preferred plan doesn’t offer.

Annual/Multi-Trip Preferred plan – This annual travel insurance plan is ideal for those who take multiple trips per year that are less than 31 days. It provides comprehensive coverage for an unlimited number of trips, including important types of protection like travel delay ($750), trip inconvenience ($200), baggage coverage ($1,000), and baggage delay ($200). In addition, the plan includes $100,000 per person for medical emergency assistance and transportation. The Preferred plan is not available for New York residents.

Aegis Additional Coverage Options (Riders)

Some Aegis travel insurance plans offer the option to upgrade for improved coverage. For instance, Aegis’s Choice plan includes $250,000 in emergency medical assistance and transportation — but with an upgrade, you can buy up to double that amount ($500,000).

There are add-ons, too, like CFAR (cancel for any reason) coverage, which reimburses you 75% of your prepaid trip expenses, or “cancel for work reasons.” which covers 100%. CFAR coverage is only available for the Choice, Pandemic Plus, and Cruise plans.

Depending on the play you choose, other upgrades include coverage for rental car damage, missed port of call, sporting equipment coverage, and more.

Aegis General Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you’ll get an instant quote for the plans available for your trip. And from there, it’s easy to compare each option based on your coverage needs and budget.

Now let’s look at a few examples to estimate Aegis’s coverage costs.

A 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following Aegis travel insurance quotes:

• Trip Cancellation: $43
• Choice: $53 (+$57.89 for CFAR + preexisting condition waiver)
• VIP: $82
• Pandemic Plus: $105 (+$52.50 for CFAR)
• Cruise: $112 (+$69.64 for CFAR)

Premiums for Aegis plans are between 2.7% and 4.2% of the trip’s cost, well below the average cost of travel insurance. It’s also relatively cheap compared to many of its competitors

Aegis provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• Trip Cancellation: $59
• Choice: $70 (+$76.45 for CFAR + preexisting condition waiver)
• VIP: $104
• Pandemic Plus: $140 (+$70 for CFAR)
• Cruise: $142 (+$88.30 for CFAR)

Once again, premiums for Aegis plans are between 3.6% and 3.8%, below the average cost for travel insurance.

A Texas family (two 40-year-old parents with a 10-year-old and 4-year-old) taking a two-week trip to Australia for $20,000.

• Trip Cancellation: $488
• Choice: $532 (+$632.84 with CFAR + preexisting condition waiver)
• VIP: $782
• Pandemic Plus: $746 (+$373 with CFAR)
• Cruise: $838 (+$521.06 with CFAR)

Premiums for this trip are between 2.4% and 4.19%, on the lower end of the range of average premiums.

A 65-year-old couple looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following Aegis quotes:

• Trip Cancellation: $438
• Choice: $404 (+$670.80 with CFAR + preexisting condition waiver)
• VIP: $664
• Pandemic Plus: $372
• Cruise: $620 (+$433.68 with CFAR)

Premiums for Aegis plans are between 6.5% and 9.2%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

Aegis Annual Travel Insurance Cost

Quotes for Aegis’ annual plans are as follows for a 35-year-old from Iowa:

• Preferred Plan: $145
• Primary Plan: $198

How to Purchase and Manage Your Aegis Travel Insurance Policy

To purchase an Aegis policy, you’ll have to obtain a quote on its website. You’ll need to be able to provide information about yourself and your trip including: 

• Destination(s)
• Total trip cost
• Age of traveler(s)
• Primary email
• Travel dates
• Date of deposit
• State of residence

Aegis gives you quotes on all five of its policies on one page. Once you make a decision, you can also add any available upgrades to your policy, such as pre-existing condition waivers, CFAR coverage, rental car damage, and higher coverage limits. 

You’ll have a 14-day free-look period in which you can cancel your policy and receive a full refund.

How to File a Claim with Aegis Travel Insurance

To start a claim, you need to first contact a claims agent over the phone at 866-753-0945 (option 3), sending an email on Aegis’ website, or through its live chat service. They’ll help you determine which benefits you should file for and supplementary documents you should provide. Your files may even be pre-screened to ensure you have the correct information.

You’ll receive an email that gives you access to Aegis’s claims portal, where you can file claims and monitor their statuses. Aegis says that claims will be processed within seven to 10 business days. 

Aegis Customer Service and Claims Process

Customer reviews of Aegis are almost solely concentrated on SquareMouth, where it has 4.07 stars. Reviews that focused on the process of buying a policy were almost unanimously positive. Customer service was helpful in adjusting any policies pre-departure.

However, reviews on Aegis’s claims process were more mixed. According to customers, the claims team was hard to get a hold of and the process often took over a month, well over the promised processing window.

It’s also worth mentioning that reviews on SquareMouth are generally inflated. The worst-reviewed provider is Azimuth Risk Solutions, with an average score of 3.92 while the highest provider is GeoBlue, with a 4.64. With this context, we actually see that Aegis is on the lower end of rated providers.

Speaking from our own experience, the online chat function on Aegis’ website was easy to use. We connected very quickly with an agent who answered our questions.

For a more balanced impression of Aegis, let’s look at some third-party ratings.

The National Association of Insurance Commissioners’ complaint index rates insurance companies based on how many complaints they receive against its share of the market. A 1.00 means that a company has an expected number of complaints based on its size. A lower score indicates fewer complaints than expected and a higher number indicates more complaints than expected.

Aegis policies are underwritten by two companies: Zurich American Insurance Company and Starr Indemnity & Liability Company.

Zurich American, which underwrites Aegis’ trip cancellation and Choice plans, has a 0.63 Company Complaint Index score, which means it received fewer complaints than expected.

Starr Indemnity & Liability Company, which underwrites the Pandemic Plus plan and Primary annual plan, has a 0.34 Company Complaint Index score, which means it also received fewer complaints than expected.

Aegis’s parent company, Aegis Security Insurance Company, has a B++ (Good) financial strength rating, which is on the lower end of travel insurance companies.

Aegis Travel Insurance Alternatives

Learn more about how Aegis Travel Insurance stacks up against the competition. 

Aegis Travel Insurance vs. HTH Worldwide Travel Insurance

HTH Worldwide HTH Worldwide Travel Insurance most popular TripProtector Preferred plan comes with $500,000 in emergency medical coverage, $50,000 in trip cancellation, $2,000 in baggage loss/damage, and $2,000 in trip delay insurance.

With Aegis’s Choice plan, you’ll get $250,000 in emergency medical assistance, 150% of trip cost in trip cancellation, $500 in baggage loss/damage coverage, and $200 for baggage delays, and you can get upgraded protection.

In comparing the two plans, you’ll see that Aegis travel insurance offers better coverage when it comes to medical protections, but falls short, compared to HTH Worldwide, when it comes to travel coverage.

Read our HTH Worldwide travel insurance review.

Aegis Travel Insurance vs. Allianz Travel Insurance

Like Aegis travel insurance, Allianz Allianz Travel Insurance offers single-trip policies as well as policies for those who plan to travel for a longer period of time. And, like with all insurance, the different plans provide varying degrees of coverage.

Allianz’s most popular single-trip option is the OneTrip Prime plan, which offers trip cancellation coverage up to $100,000, trip interruption coverage up to $150,000, emergency medical coverage for $50,000, coverage for baggage loss, theft or damage up to $1,000, and travel delay coverage up to $800.

In comparison, Aegis’s Choice plan offers $250,000 in emergency medical assistance, evacuation and repatriation insurance. And it comes with up to $500 in baggage loss or damage coverage and $200 if your bags are delayed. Upgraded protection is also an option.

Read our Allianz Travel Insurance review.

Aegis Travel Insurance vs. Credit Card Travel Insurance

Be sure to take a look at your travel credit card’s insurance coverage before buying a separate policy. Some coverages, like rental car coverage, might already be included.

Let’s say, for example, you’re taking a road trip and have very minimal (if any) pre-paid or non-refundable trip expenses. In that case, the coverage from your credit card will likely suffice. Or maybe your main concern is trip and baggage delay and cancellation coverage because your current health coverage covers you overseas. That’s another instance where credit card insurance coverage might do the trick!

Worth noting, though, is that sometimes credit card coverage is secondary. This means you’ll have to make a claim with your other applicable insurance before making a claim with your credit card company.

Read our guide on the best credit cards with travel insurance.

FAQs

Why You Should Trust Us: How We Reviewed Aegis Travel Insurance

To evaluate Aegis travel insurance, Business Insider reviewed the following factors.

Coverage amounts: We consider the policies available, what they cover, and how much coverage they offer. We like to see a variety of options available, with a great deal of flexibility to cover as many needs and customers as possible.

Inclusions/Exclusions: We consider common inclusions and exclusions, and how much customers have to pay for certain benefits. For example, many companies offer preexisting condition waivers, but reserve this benefit for more expensive plans. Aegis includes preexisting condition coverage for most of its single-trip plans as long as you purchase within the specified purchase window. However, it’s most popular plan, the Aegis Choice, only offers coverage if you also purchase its CFAR add-on, which is often the same price as the policy itself.

Cost: We obtain quotes for a variety of travelers, including single travelers, families, couples, and older travelers. We see how the quotes compare to the standard costs of travel insurance, which is between 4% and 8% of your total trip cost. We also pay attention to any savings opportunities travelers can take advantage of, like discounts for children.

Customer service: We consider how a company treats its customers by looking at online customer reviews on sites like Trustpilot, SquareMouth, and the Better Business Bureau. We also look at ratings from third-party organizations like the NAIC and AM Best. We look at any customer service features a company offers, like 24/7 helplines.

Unique features: We look to see if a company has any unique features or benefits.

Read more about Business Insider’s travel insurance ratings methodology.