I am a travel agent who has recommended AIG to my clients for years. I personally have had to make several claims and had no problems. One of my clients had a diabetic crisis while on a cruise ship. They sent him to the hospital in Antigua where they could not help him, either, so AIG life flighted him to Miami. His wife traveled with him, and they paid for her hotel in Miami while he recovered, then for their return flights home. They had the basic policy, so they were not guaranteed their home area hospital, but they did save his life.