I strongly advise against purchasing AIG trip insurance. This company is a complete rip-off. Despite meeting all the criteria outlined in their policy documents when I bought the coverage, my claim was still denied. After reviewing countless other complaints, it’s clear that 99% of claims are rejected, no matter how legitimate they are. What's worse is that AIG reserves the right to change their policy at any time, and sure enough, once I submitted my claim, they “adjusted” their terms to avoid paying. So, even though I followed every step of the process, I ended up with a non-refundable trip and zero compensation. Paying extra for this insurance is a total waste of money. Don’t fall for it like I did—save your money and skip the headache.