What is the best travel insurance policy?

This depends entirely on your needs. If you only intend on taking one trip a year, you might find that a single-trip policy best suits your needs. On the other hand, if you travel incredibly often for work, you might find that a multi-trip or annual policy is the best travel insurance plan for you.

Secure Travel Insurance at ₹24.8 Per Day!*

Safeguard Your Travels Against Delays, Losses, and Emergencies

Visa Compliant Insurance

Covers Trip Cancellations

Instant Policy-No Medical Test

Covers Loss of Baggage and Personal Belongings

Travel Insurance

Name: Buy Travel Insurance Policy Online in India 2025 @ ₹24.8* | Tata AIG
Brand: Tata AIG General Insurance Company Limited
Price: 24.8 INR
Availability: InStock
Rating: 4.9 (8534 reviews)

Travel insurance safeguards your entire journey by protecting you against major financial losses during foreign and domestic trips, offering coverage for sudden medical & trip-related emergencies. Travel Insurance offers multiple benefits like cashless hospitalisations*, loss or delay of checked-in baggage, flight delays, passport loss/theft, trip cancellations and more.
Travel insurance is the assurance that your journey will be protected and insured from possible risks that may come unexpectedly on unknown lands. Depending on where you’re going, the purpose of your visit and how often you travel, you can select a travel insurance policy that best suits your needs.

*T&C - Should be admitted in Network Hospitals

What is Travel Insurance?

A travel insurance plan helps to cover financial emergencies during your trip. These financial emergencies are costs that arise from circumstances out of your control. For example, if you require urgent medical attention, hospitalisation due to an accident, or your flight is delayed or you lose your luggage, travel insurance would cover these expenses.

This financial coverage will be available for your entire trip, even if you’re travelling to multiple countries. You can also customize the extent of your coverage under your travel insurance policy based on your destination and trip purpose. Here are the expenses that travel insurance plans offer coverage for:

Medical Emergencies/Hospitalisation expenses abroad
Personal liability and legal fees
Baggage loss, delay and theft
Medical evacuation and repatriation
Non-refundable paid fees from trip delays and cancellations
Loss or theft of passport and other travel documents
Aircraft hijacking
Emergency cash advance for theft or loss of credit cards and cheques
Cover for adventure sports*
Loss or theft of portable electronic items*
Cover for missed cruise*

Many countries actually require travellers to buy travel insurance to be eligible for their visa application processes. In other words, you can’t visit these countries unless you have both a valid visa and travel insurance from India.

TATA AIG Travel Insurance Key Features

TATA AIG Key Features	Description
Quick Policy Purchase	With our Instant Travel Insurance feature, you can get a 360 coverage TATA AIG travel insurance plan for you and your loved ones instantly.
Wide Coverage	We offer coverage in over 190 destinations^, ensuring that you are covered from unprecedented circumstances all over the world.
Higher Sum Insured	We offer higher coverage of up to $10,00,000# to ensure that you are adequately covered for all types of travel emergencies.
Visa-Compliant International Plans	Our international travel insurance plans are carefully curated to meet visa requirements.
No Medical Test Required	You are not required to submit for a medical test before buying our travel insurance plans.

^190+ geographical coverage applicable to TATA AIG Travel Insurance - International plus *TATA AIG offers coverage for medical expenses related to COVID–19 when the insured is outside India. Policy T&C apply #The coverage is applicable for TATA AIG Travel Insurance - International plus policy’s Titanium plan. Verify your coverage details based on your plan choices.

Types of Travel Insurance Plans

International Travel Insurance

An international travel insurance plan covers overseas trips. It’s also called overseas travel insurance or foreign travel insurance. You get coverage for personal liability, medical emergencies, flight delays and cancellations, baggage loss and loss of passport.

Domestic Travel Insurance

A domestic travel insurance plan covers trips taken within geographical scope of India. You receive coverage for personal liability, medical emergencies, baggage loss etc. You can also choose to include the family members you’re travelling with under this plan.

Student Travel Insurance

A student travel insurance plan is specifically designed for students between the ages of 16 and 35 travelling overseas for higher education. On top of basic travel insurance coverage, it offers unique benefits like study interruption and sponsor protection, where unused tuition is reimbursed if you are not able to continue your studies or in the event of your sponsor’s death or disablement.

Family Travel Insurance

A family travel insurance plan allows you to add your family members who are also travelling with you to your travel insurance policy. This type of policy is perfect for families going on vacations. On top of travel coverage, you also get up to a 10% discount when you add your family members under the same travel policy.

Senior Citizen Travel Insurance

Specifically made for travellers over the age of 71 with coverage up to 10 Lakhs TATA AIG Travel Insurance - International plus ) for travel-related emergencies unique to them. Senior citizen travel insurance covers emergency medical costs overseas, baggage loss or delay, repatriation of mortal remains, medical evacuation, etc. These plans can be more expensive, especially if you have a pre-existing disease.

Single-Trip Travel Insurance

A single-trip travel insurance plan covers a single trip and the maximum number of days that will be insured during one trip will be 360 days, with coverage up to 10 Lakhs (TATA AIG Travel Insurance - International plus). Since this policy is only valid for a single trip, the coverage will lapse when you return to India.

Multi-Trip Travel Insurance

An annual multi-trip travel insurance plan offers travel insurance coverage for multiple trips taken within a year across the globe. You can get coverage for up to 150 days per trip. This type of travel insurance is ideal for frequent travellers and is often cheaper than buying a new travel insurance plan every time you need to travel.

Visa Compliant Schengen Travel Insurance

This is a specific type of travel medical insurance plan that is required when travelling to any of the 29 Schengen region countries. It offers medical coverage up to $10,00,000(TATA AIG Travel Insurance - International plus) along with coverage for other travel-related emergencies. All Indian travellers planning to visit Europe must buy visa-compliant Schengen travel insurance before applying for a Schengen visa.

5 Reasons to Buy TATA AIG Travel Insurance Plan

Affordable International Rates

Our travel insurance benefits are designed to provide 360 coverage. Our international travel insurance premiums start as low as ₹24.8 per day* and offer coverage of up to $10,00,000#.

Domestic Coverage

Apart for International Plans covering your international trips, our domestic travel insurance ensures you are covered for all Indian adventures.

24/7 Customer Assistance

With us, you can #ExpectTheExpected and reach us at our toll-free number, 1800-266-7780, any time. We offer 24/7 assistance through our in-house customer assistance and quick claim settlement team, no matter where you are around the globe.

Hassle-Free Claim Settlement

TATA AIG aims to settle claims quickly during travel emergencies. Thus, we offer an extremely easy, fast and paperless claim settlement process, ensuring a hassle-free experience.

Wide Range of Coverage

Our travel insurance plans offer coverage for a wide range of scenarios, including flight delays, loss or delayed baggage, medical emergencies and evacuation, study interruption and more. We also offer coverage for COVID-19 treatment.

#The coverage is applicable for TATA AIG Travel Insurance - International plus Policy’s Titanium plan. Verify your coverage details based on your plan choices.

What Our Customers Are Saying

Read All Reviews

Average Rating 4.6/5 (Based On 8534 Ratings)

Kamlesh Bhatt

Hassle Free and user friendly app that navigates efficiently to understand the requirement and suggest suitable product. After selection, the ease of payment and getting policy is beyond imagination. Everything hassle free

Abhishek Singh

Seamless experience

Shivkumar Venkatraman

The buying of the policy had to wait till we received the Covid-19 Negative from diagnostics though we both have taken first and second Vaccination Doses.

The buying process has been exceedingly convenient.

Hope your claims payment (if at all we need any) is as good and fast as the buying of the policy has been.

I TRUST in TATA AIG and have insured my cars too.

Kiran Arvind Karkhanis

Extremely helpful and supportive team - guiding through the entire process, resolving queries and providing clarifications.

Ramanath Shenoy

Best Travel insurance policy I found online. Very clear on the policy details, and a quick and frictionless transaction.

Chetan Narain

Really smooth...and great clean interface... God forbid we have to use the policy during travel...I hope the support for same is as good or better.

Rameshkrishnaa Venkatesan

Value for money

Deepali Boradia

Ease of doing business

MEGHAMAHENDRABHAI NAYAK

Online policy, very fast and immediately policy certificate, great n superb experience

Karthikeyani Bagirathinathan

The website is friendly and easy to use.

Phiroze Masters

User friendly site

Rajeesh Pathayaparambil

Excellent

akhil ahmed

all of it

Samarth Nandish

Trust in TATA product. Keep the faith in the Indian customer.

Rajkumar Durairaj

Good

Akshara Banukumar

Good

ABIN MARYDASAN

ALL

SHETASHSHASHINDRAN NAIR

ALL

Dineshbhai Dhagat

all well

Jose Padathara

I am not sure if there is any other insurance company in india which is providing Covid 19 coverage for travel insurance

Nanjappan K

Ease of processing very good. Policy document provided all the details given while filling the online application form

ALBEN SIGAMANI

Best of the rest

UMERFAROOQUE KOONARITHUMBATH

Easy and convenient

Aditya Priyadarshi

Great Buying Experience

Alen Joseph

its very fast, easy to get. No hassles

Read All Reviews

What’s Covered Under TATA AIG Travel Insurance?

Our Travel Insurance Policy will help you take care of a number of situations, ensuring the mental peace you truly deserve:

Medical Covers

We can’t think of anything worse than having to get emergency medical treatment while you’re on holiday. Luckily, our travel insurance plans come with a medical cover for international travel as a result they are also known as Travel Medical Insurance due to the extensive medical coverage provided by them, Including protection for COVID-19*.

Medical Emergencies
Your travel insurance policy will help you deal with the financial implications that come with meeting with an accident or falling ill while you’re travelling. The policy will cover everything right from a regular illness that requires hospitalisation to dental emergencies and even fatalities. If you happen to fall ill or meet with an accident at the tail-end of your journey, you don’t have to worry. If you’re in hospital and your policy expires, we will continue to cover you for the next 60 days or until you are discharged, whichever is earlier.

Medical Evacuation
Your travel insurance policy is your friend in times of need. If you require emergency medical evacuation to the nearest hospital, this policy will take care of that. In case you need to be evacuated and brought back to India for medical treatment, the travel insurance policy will look after that as well.

Accidental Death and Repatriation
We don’t want to think about it, but it’s possible that an accident or medical emergency abroad could end up being fatal. TATA AIG’s travel insurance policy will provide your nominee with the full sum insured amount if this happens. We will also take care of the cost of repatriating the insured individual’s remains back to their city of residence.

Compassionate Visit
If you need somebody to help you out when you’re in hospital, we’ll provide a two-way ticket for a family member to come and take care of you.

Interruption of Study
If you’ve purchased a student travel insurance policy, this is especially for you. If have to interrupt your education because you or a family member are ill, we’ll reimburse you any unused tuition fee.

*Kindly check the policy wordings for a complete understanding of the product offerings, inclusions and exclusions.

Journey Covers

A delayed or cancelled flight could wreak havoc on your itinerary. We cannot make up for lost time, but these covers will help you deal with the financial loss.

Visa Rejection
If your visa application is rejected through no fault of your own, you will be reimbursed the visa fee paid by you for the insured trip. Note that this cover is not applicable to employment or immigrant visas.

Trip Cancellations, Delays and Missed Connections
Non-refundable ticket costs from missed flights and connecting flights are reimbursed in case of trip cancellations and delays due to events beyond your control. E.g., accident, injury or illness of the insured or their immediate family, mass bundhs/shutdowns, pandemics, involuntary job loss, political unrest or travel bans and catastrophic events at your destination or your resident location.

Trip Curtailment
You will be reimbursed for covered expenses if you need to alter or shorten your trip and immediately return to India. It can be due to natural disasters, civil commotion, the death of an immediate family member, illness or injury caused to you, your travel companion or immediate family member, aircraft hijack or involuntary loss of job.

Bounced Booking (Hotel and Airline
You will be reimbursed for booking alternative hotel accommodations or airline tickets in case of a bounced booking for pre-booked accommodations or pre-paid flights.

Automatic and Emergency Extensions
An emergency extension of your policy upto 7 days is offered if circumstances beyond your control cause you to extend your trip. It can be due to rough weather, political instability, terrorism, a delay exceeding 24 hours from your scheduled airline, a pandemic declared by WHO and no other flights are available to leave the country.

Loss of Passport
The costs for re-issuance of a new or duplicate passport, damage or loss when overseas will be covered. Assistance will be provided by contacting the appropriate authorities involved and providing direction for recovery or replacement of your lost passport.

Legal Assistance
You will be provided with the name of an attorney who can represent you in any necessary legal matters if you are arrested or in danger of being arrested for a non-criminal action when abroad.

Baggage Covers

Landing up somewhere without your personal belongings can be a harrowing experience. We make it easier to manage with these covers:

Loss of Personal Baggage
You will be reimbursed the sum insured as opted for the theft or burglary of your baggage while in your custody overseas.

Loss or Delay of Checked-In Baggage
You will be reimbursed If your checked-in baggage is delayed or misdirected by the airline. Similarly, the permanent loss of your check-in baggage will be covered.

Add-On Covers

Since the outbreak of the coronavirus pandemic, we have included COVID-19 coverage on our travel insurance plans. If you're thinking about how and in what way COVID-19 is covered, here is a list outlined for you:

Accident Bundle
You will be reimbursed for the cost of medical treatment in the event of an injury when participating in adventure sports like archery, base jumping, bicycle touring, blackwater rafting, canyoning, cave diving, the cost of artificial limbs and any modifications required for your home or vehicle in India due to disablement from an accident during your trip, etc. This bundle is covered for

Lifestyle Modification Cover
Child Education Benefit
Coma Cover
Adventure Sports

Cruise Bundle
Non-refundable ticket costs from missed cruises and trip interruptions are reimbursed in case of events beyond your control. It can be due to accident, injury, illness, pandemic situations, mass bundhs, government cancellation of the cruise or a catastrophe at the site of the cruise. This bundle covers:

Missed Cruise
Common Carrier – Cruise Interruption

Travel Plus Bundle
We will reimburse you the equivalent of your frequent flyer reward points in the event of a cancellation of your insured trip. This bundle covers:

Accompaniment of minor child
Frequent flyer cover
Loss of electronic portable items

What’s Not Covered By TATA AIG's Travel Insurance Plan?

Even while we would prefer to cover all conceivable risks, many circumstances are simply not practical. We prefer total openness with our consumers. So here is what our travel insurance plans don't cover:

Medical Exclusions

Any medical expenses while travelling against the advice of your doctor
Medical costs for or related to cosmetic or plastic surgery
Injuries obtained while under the influence of alcohol or drugs
Self-inflicted injuries or suicide attempts
Any pre-existing disease or complications arising out of them unless it is life-threatening.
Alternative treatments like Ayurveda, Homeopathy or Naturopathy
Treatment costs for STDs or STIs
Injuries sustained while participating in a dangerous activity not explicitly covered by your policy

Journey Exclusions

Claims arising out of the insured person operating or learning to operate an aircraft or if the insured person is a member of a crew on any aircraft
Claims for hospitalisation, death or disablement caused by a breach of law or felony by the insured person
Loss from acts of war, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power and detainment of all kinds.
Loss from ionising radiation, radioactive waste, nuclear weapons and chemical or biological terrorism
Overstaying in the country longer than your visa allows.

Baggage Exclusions

Loss of belongings like baggage loss or passport loss due to negligence on the policyholder’s part.
Delay or failure to report the loss or theft to the relevant authorities.

General Exclusions

This entire Policy does not provide benefits for any loss resulting in whole or in part from, or expenses incurred, directly or indirectly in respect of:

Where the Insured Person is travelling against the advice of a Physician/Medical Practitioner or receiving or on a waiting list for receiving specified medical treatment or is travelling for the purpose of obtaining treatment or has received a terminal prognosis for a medical condition;
Any Pre-Existing Disease (PED) or any complication arising from it unless in case of Life-Threatening Condition.
Any claim of the Insured Person arising from:

Suicide or attempted suicide
Willful self-inflicted Illness or Injury except Injury in self defence or to save life;

Any claim arising from Adventure Sports, unless expressly covered under any particular Benefit;
Any claim of the Insured Person arising from sexually transmitted conditions;
Any claim for death, disablement (whether of a permanent nature or of a temporary nature), Hospitalisation of the Insured Person arising or resulting from the Insured Person committing any breach of law with criminal intent;
The Insured Person whilst being under the influence of intoxicating liquor or drugs or other intoxicants, suffers Injury / Accident, except where the Insured Person is not directly responsible for the Injury / Accident though under influence of intoxication;
Where the Insured Person is operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft or the Scheduled Airline;
Any claim for death or disablement (whether of a permanent nature or of a temporary nature) or Hospitalisation of the Insured Person, due to war (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds;
Any claim resulting or arising from or any consequential loss caused by or contributed to or arising from:

Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or from any nuclear waste from combustion (including any self-sustaining process of nuclear fission) of nuclear fuel.
Nuclear weapon material.
The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
Nuclear, chemical and biological terrorism;

Performance of manual work for employment or any other potentially dangerous occupation;
Congenital Anomalies or any complications or conditions arising therefrom;
Osteoporosis (porosity and brittleness of the bones due to loss of protein form the bones matrix) or pathological fracture (any fracture in an area where Pre-Existing Disease (PED) has caused the weakening of the bone), if osteoporosis or pathological fracture diagnosed prior to the Policy Period, unless arising out of an Injury;
Any claim due to the pregnancy of the Insured Person including resulting childbirth, miscarriage, abortion or complication of any of these except complications in pregnancy due to Accident of the Insured Person during the Insured Journey;
Any loss arising out of the Insured Person's actual or attempted commission of or willful participation in an illegal act or any violation or attempted violation of the law;
Liability arising out of the Insured Person’s engagement in any criminal or illegal act;
Any claim incurred outside the territorial limits of
the Geographical Scope or the Insured Journey that are mentioned in the Policy Schedule;
Any non-Medical Expenses (list enclosed -Annexure I);
Individuals travelling on immigrant visa beyond 120 Days.

Other Exclusions

Any claims arising outside of the territorial limits or the geographical scope or the insured journey
Individuals travelling on immigrant visa beyond 120 Days
Claims for pregnancy or adventure sports-related injuries, unless covered by an add-on

Did Not Find What You Were Looking For?

Eligibility Criteria and Basic Requirements to Buy a Travel Insurance Policy in India

Before buying any travel insurance plan in India, you must go through each of their eligibility requirements. For example, if you are buying our Senior Citizen Travel Insurance plan, be sure to check the age limit and coverage limit. Similarly, here are the eligibility requirements for the various TATA AIG travel insurance plans: *Minimum entry age of 3 months and 12 years for Single and Annual Multi Trip is specific to TATA AIG Travel Insurance - International plus #12 to 80 years for Annual Multi Trip is applicable to TATA AIG Travel Insurance - International plus

Type of Travel Insurance Plan	Eligibility Requirements
International Travel Insurance	Available for Indian citizens travelling abroad for business, leisure or education. Age limit: 3 months* to 70 years for single-trip and 12 years* to 70 years for annual multi-trip. Should permanently reside in India.
Domestic Travel Insurance	Available for Indian citizens travelling within India. Age limit: 6 months to 70 years. Travel itinerary with confirmed tickets.
Family Travel Insurance (Family Insured under Single Policy)	The minimum entry age is 3 months* for single-trip and 12 years* for annual multi-trips. Covers the policyholder, spouse, dependent children and his/her dependent parents under the single policy. Dependent children must be between 6 months and 23 years of age.
Student Travel Insurance	Available for students pursuing education abroad. Age limit: 16 to 35 years. Must permanently reside in India. A valid student visa and proof of admission required.
Senior Citizen Travel Insurance	Tailored for travellers aged 70 years and above. Requires a valid passport and travel documents.
Annual Multi-Trip Travel Insurance	Designed for frequent travellers with multiple trips planned within a year. Age limit: 12 to 80 years#. Proof of travel frequency

How To Get Travel Insurance Online?

Choose the Right Type of Insurance

Visit the official TATA AIG website and click on the “Personal” dropdown. Browse through our wide range of travel insurance plans to buy travel insurance online.

Enter Travel Details

Next, select your travel purpose, destination and duration. If you are travelling to more than one country, you can also select multiple countries.

Enter Traveller Details

Enter the number of people travelling together, the date of birth for each traveller and their mobile number.

Review Our Curation

Based on your inputs, we will curate three suitable travel insurance plans along with the estimated premium price.

Compare and Calculate Online

Compare all our plans, their coverages and premium prices online with just a few clicks. You can also use our Travel Insurance Premium Calculator to calculate the premium before you buy travel insurance.

Make the Payment

Review your choices and complete the payment. Immediately upon payment, we will email your policy document.

How Can I Make a TATA AIG Travel Insurance Claim?

Domestic Claim

International Claim (Non America Travel)

International Claim (America Travel)

Gather Documents

Submit Documents

Claim Processing and Reimbursement

Initiate your domestic TATA AIG travel insurance claim by calling our toll-free number 1800 119966 or 1800 22 9966 (for senior citizens), sending an email to general.claims@tataaig.com or visiting our claims website. You can also contact the local helpline numbers in your respective cities for the same:

Mumbai - 66939500
Pune – 66014156
Delhi – 66603500
Bangalore – 66272829
Chennai – 66841050
Hyderabad – 66629882
Ahmedabad – 66610201

How Can I Make a TATA AIG Travel Insurance Claim?

Domestic Claim

Mumbai - 66939500
Pune – 66014156
Delhi – 66603500
Bangalore – 66272829
Chennai – 66841050
Hyderabad – 66629882
Ahmedabad – 66610201

International Claim (Non America Travel)

Initiate your TATA AIG International Travel Insurance claim for non-American destinations, such as Schengen countries, in either of the following ways:

Call: +91 – 022 68227600 (Call back facility available)
Email: ea.tataclaims@europ-assistance.in
E-claims: https://eclaimsuat.europassistance.in/nearestLocations4

International Claim (America Travel)

Initiate your international travel insurance claim for American destinations via any of the following methods:

Call: +1-833-440-1575 (Toll free within US and Canada)
Email: tata.aig@europ-assistance.in
E-claims: https://eclaimsuat.europassistance.in/nearestLocations4

Gather Documents

Gather the required documents as per the mentioned Claims documents against the Coverage and subject to the Claims requirement and as instructed by our claims team.

Submit Documents

Send your case-specific documents to us via email for further processing.

Claim Processing and Reimbursement

Our team will process your claim. After it is approved, you will receive the claim settlement according to your policy terms.

TATA AIG Overseas Travel Insurance Policy Documents for Claim Filing

Travel insurance policy document

Travel claims form

Age proof, such as birth certificate

Proof of address

All bills, invoices, prescriptions, hospital certificates (if applicable)

Preliminary medical report - for medical coverage claims

Third-party details, such as name, contact number and insurance details (if applicable) - for personal liability claims

Original death certificate, succession certificate and other legal documents to prove succession - for repatriation claims

Police report - for accidental claims

Date and time of incident occurrence

When, Where And How To Choose Travel Insurance?

When to Buy?
It is advisable to purchase our travel insurance policy immediately after booking your trip. This ensures that you have enough time to look through plans and choose a plan that offers adequate coverage per your needs. Once you ensure coverage for unforeseen events before departure, you can be assured of uninterrupted travel and peace of mind.

Where to Buy?
TATA AIG offers a convenient online platform where you can explore various travel insurance plans tailored to your needs. By visiting our official website, you can compare options, get instant quotes and purchase a policy within minutes. This streamlined process eliminates the need for extensive paperwork or in-person visits.

How to Choose the Best Travel Insurance Plan?
Selecting the appropriate travel insurance involves evaluating several factors to ensure comprehensive coverage:

Are You a Frequent Traveller?

If you travel multiple times a year, consider TATA AIG's Annual Multi-Trip Travel Insurance. This plan offers coverage for numerous trips within a year, providing convenience and cost savings compared to purchasing separate policies for each journey.

What Country Are You Travelling to?

Your destination influences the type of coverage needed. For example, countries with high medical costs may require higher coverage limits. Additionally, some nations, such as Schengen countries, mandate specific insurance requirements for visa approval. Our best International Travel Insurance India plans are designed to meet various country-specific needs.

How Long is Your Trip?

The duration of your trip affects the policy term. Ensure your travel insurance covers the entire length of your journey, including any potential extensions. TATA AIG offers flexible plans that can be customised based on trip length and other factors, ensuring uninterrupted coverage.

Who Are You Travelling With?

Travelling with family may necessitate a Family Travel Insurance plan, which covers all members under a single policy. This option simplifies management and often proves more economical than individual policies. TATA AIG's Family Travel Insurance ensures collective protection for you and your loved ones.

How Easy is the Claims Process?

A seamless claims process is crucial during emergencies. TATA AIG is renowned for its efficient and customer-friendly claims procedure, and it provides 24/7 assistance to address any concerns promptly. Our commitment to hassle-free claims ensures peace of mind throughout your travels.

Countries that Need Travel Health Insurance from India

Algeria

Cuba

Georgia

Israel

Moldova

Qatar

The UAE

Argentia

Ecuador

Lebanon

Jamaica

Morocco

Rwanda

Togo

Aruba

Fiji

Iran

Jordan

Nepal

Seychelles

Turkey

Schengen Countries Requiring Travel Health Insurance from India:

Austria

Czechia

Estonia

Germany

Iceland

Liechtenstein

Malta

Poland

Slovakia

Sweden

Belgium

Croatia

Finland

Greece

Italy

Lithuania

Netherlands

Portugal

Slovenia

Switzerland

Bulgaria

Denmark

France

Hungary

Latvia

Luxembourg

Norway

Romania

Spain

Compare Travel Insurance Plans

For Schengen Countries

The Schengen travel plans cover trips to any of the 29 countries within the Schengen region. These plan options also do not include any sub-limits. Here’s the coverage offered under the TATA AIG Travel Insurance - International plus insurance plan for Schengen countries.

Schengen - Silver Plus (TATA AIG Travel Insurance - International plus)

Price: ₹1,103 Inclusive of 18% GST
Sum Insured: Covers $100,000 per traveller

Medical Coverage

Medical Expenses (for Injury and/or Illness) + Emergency Medical Evacuation:

Sum Insured up to $100,000 (Deductible: $100)
Maximum Liability for PED: $5,000

Emergency Dental Expenses: $400 (Deductible $50)
Accidental Death and Dismemberment Overseas: $10,000
Repatriation of Remains: 25% of $100,000 (This amount is covered over and above the base sum insured)

Travel Coverage

Flight Cancellation: $75
Trip Cancellation: $500 (Deductible: $50)
Trip Curtailment: $500 (Deductible: $50)
Missed Flight/Connection: $250
Loss of passport: $250 (Deductible: $25)
Loss of International Driving License: $100
Bounced Hotel/Airline booking: $500 (Deductible: $50)
Hijack/Kidnap Daily Allowance: $75 (every 12 hours; 10 days max)
Fraudulent charges: $250 Per Occurrence; Overall Limit: $500
Personal liability: $100,000 (Deductible: $200)
Accommodation Extension: $2500 Max up to 10 days
Automatic Policy Extension: 7 days

Baggage Coverage

Loss of Checked-in Baggage: $200
Delay of Checked-in Baggage: $40
Home Content Burglary (in Rupees): ₹100,000 (Deductible: ₹ 5000)

Schengen - Platinum (TATA AIG Travel Insurance - International plus)

Price: ₹1,478 Inclusive of 18% GST
Sum Insured: Covers $500,000 per traveller

Medical Coverage

Medical Expenses (for Injury and/or Illness) + Emergency Medical Evacuation:

Sum Insured up to $500,000 (Deductible: $100)
Maximum Liability for PED: $12,500

Emergency Dental Expenses: $1000 (Deductible: $50)
Accidental Death and Dismemberment Overseas: $25000
Repatriation of Remains: 25% of $500,000 (This amount is covered over and above the base sum insured)
Personal Accident in India (in Rupees): ₹20,00,000

Travel Coverage

Flight Cancellation: $150
Trip Cancellation: $1,000 (Deductible: $100)
Trip Curtailment: $1000 (Deductible: $100)
Missed Flight/Connection: $750
Flight Delay: $50 for delays exceeding 4 hours (for all flights taken during the trip)
Loss of passport: $250 (Deductible: $25)
Loss of International Driving License: $100
Loss of Cash: $125
Bounced Hotel/Airline booking: $1000 (Deductible: $100)
Hijack/Kidnap Daily Allowance: $150 (Per 12 hours max 10 days)
Fraudulent Charges: $1000 Per Occurrence; Overall Limit $2000
Personal Liability: $500,000 (Deductible: $250)
Compassionate Travel/Stay: $3500 Return fare for one person (Spouse, Child or Immediate Family Member)
Accommodation Extension: $7500 Max up to 10 days
Automatic Policy Extension: 15 days

Baggage Coverage

Loss of Checked-in Baggage: $300
Delay of Checked-in Baggage: $50 for delays exceeding 4 hours
Loss of Baggage and Personal Effects: $300 (Deductible: $30)
Home Content Burglary (in Rupees): ₹250,000 (Deductible: ₹5000)

Schengen - Titanium (TATA AIG Travel Insurance - International plus)

Price: ₹2,462 Inclusive of 18% GST
Sum Insured: Covers $10,00,000 per traveller

Medical Coverage

Medical Expenses (for Injury and/or Illness) + Emergency Medical Evacuation:

Sum Insured up to $1,000,000 (Deductible: $100)
Maximum Liability for PED: $20,000

Emergency Dental Expenses: $1200 (Deductible: $50)
Accidental Death and Dismemberment Overseas: $75,000
Repatriation of Remains: 25% of $1,000,000 (This amount is covered over and above the base sum insured)
Personal Accident in India (in Rupees): ₹50,00,000
Epidemic/Pandemic Cover: $500
Hospital Daily Cash (Per Day): $75 per day max up to 10 days

Travel Coverage

Flight Cancellation: $250
Trip Cancellation: $1,500 (Deductible: $100)
Trip Curtailment: $1500 (Deductible: $100)
Missed Flight/Connection: $750
Flight Delay: $50 for delays exceeding 4 hours (for all overseas flights taken during the trip)
Bounced Hotel/Airline booking: $5000 (Deductible: $100)
Visa Rejection: $100
Loss of passport: $500 (Deductible: $25)
Loss of International Driving License: $150
Loss of Cash: $375
Rental Vehicle Cover: $500
Rental Vehicle Return: $500
Alternative Transport Expenses: $1000
Missed Booking: $750
Up-Gradation to Business Class: $1000
Hijack/Kidnap Daily Allowance: $200 (Per 12 hours max 10 days)
Fraudulent charges: $1250 Per Occurrence; Overall Limit: $2500
Personal liability: $500,000 (Deductible: $250)
Compassionate Travel/Stay: $5000 Return fare for one person (Spouse, Child or Immediate Family Member)
Accommodation Extension: $10,000 max up to 10 days
Automatic Policy Extension: 15 days

Baggage Coverage

Loss of Checked-in Baggage: $300
Delay of Checked-in Baggage: $50 for delays exceeding 4 hours
Loss of Baggage and Personal Effects: $300 (Deductible: $30)
Home Content Burglary (in Rupees): ₹250,000 (Deductible: ₹5000)

For Asia

The Asia travel plans cover trips to any country in Asia. Here’s the coverage offered under the TATA AIG Travel Insurance - International plus insurance plan for Asian countries.

Silver TATA AIG Travel Insurance – Asia

Price: ₹660 Inclusive of 18% GST
Sum Insured: Covers $50,000 per traveller

Medical Coverage

Accidental Death and Dismemberment Overseas: $10,000 (also includes felonious assault)
Medical Expenses (for Injury and/or Illness): $50,000 (Deductible: $100)

Emergency Medical Evacuation + Assistance Services Included

Travel Coverage

Loss of Passport: $250 (Deductible: $30)
Personal Liability: $1,00,000 (Deductible: $200)

Baggage Coverage

Baggage Loss (common carrier): $500

Silver Plus TATA AIG Travel Insurance – Asia

Price: ₹703 Inclusive of 18% GST
Sum Insured: Covers $100,000 per traveller

Medical Coverage

Accidental Death and Dismemberment Overseas: $12,000 (also includes felonious assault)
Medical Expenses (for Injury and/or Illness): $1,00,000 (Deductible: $100)

Emergency Medical Evacuation + Assistance Services Included

Travel Coverage

Loss of Passport: $250 (Deductible: $30)
Personal Liability: $1,50,000 (Deductible: $200)

Baggage Coverage

Baggage Loss (Common Carrier): $1000
Baggage Delay: $75

Gold TATA AIG Travel Insurance – Asia

Price: ₹788 Inclusive of 18% GST
Sum Insured: Covers $200,000 per traveller

Medical Coverage

Accidental Death and Dismemberment Overseas: $15,000 (also includes felonious assault)
Medical Expenses (for Injury and/or Illness): $2,00,000 (Deductible: $100)

Emergency Medical Evacuation + Assistance Services Included

Travel Coverage

Loss of Passport: $250 (Deductible: $30)
Personal Liability: $2,00,000 (Deductible: $200)

Baggage Coverage

Baggage Loss (Common Carrier): $1000
Baggage Delay: $75

How to Calculate Travel Insurance Quote Online?

Calculating Your Travel Insurance Premiums

Using the TATA AIG travel insurance premium calculator is a simple process that helps you determine the cost of your travel insurance policy. Follow these steps:

Visit TATA AIG’s Official Website: Navigate to the Travel Insurance Premium Calculator page on the TATA AIG website.
Enter Travel Details: Input the details of your trip, including travel destination, start and end dates and number of trips in a year.
Provide Personal Information: To receive the quote, add details of your co-travellers, such as their ages and your mobile number.
Choose the Type of Plan: Based on your input, we will curate a list of plans that can fit your coverage needs.
View the Premium: The calculator instantly provides you with a premium estimate based on your inputs.
Adjust as Needed: Modify your selections to balance coverage and affordability. Observe the factors that impact your premium prices.

Factors Affecting Travel Insurance Price

Destination: Travelling to high-risk countries or regions with expensive healthcare increases premiums.
Trip Duration: Longer trips result in higher premiums due to extended coverage periods.
Travellers’ Age: Older travellers typically face higher premiums due to greater health risks.
Number of Travellers: Group or family plans usually cost more when compared to an individual travel insurance plan.
Coverage Level: Plans with higher coverage limits and comprehensive benefits increase the premium amount.
Optional Add-Ons: Features like coverage for adventure sports, gadget protection, or cruise inconvenience as optional coverage with additional Premium add to the cost.
Frequency of Travel: Frequent travellers can opt for annual multi-trip plans, which may offer cost savings over buying individual policies for each trip. However, it costs more than single-trip travel insurance.

Myths About Travel Insurance

"Travel insurance only covers trip cancellations"

This is a common myth. However, in reality, it also covers medical emergencies, lost and delayed luggage, trip delays and more.

"I don’t need travel insurance for short trips and domestic travel"

Even short trips and domestic travel can encounter unexpected issues. Our international and domestic travel insurance provides essential protection regardless of trip length and destination.

Existing health insurance covers me abroad

Many domestic health insurance plans do not offer international coverage and travel related contingencies, making travel insurance crucial for overseas medical emergencies, travel and luggage related protection abroad.

“Travel insurance covers all unforeseen events.”

Our travel insurance plans have exclusions. Understanding them is crucial to avoid claim rejections and financial burdens.

“I don't need travel insurance if I'm healthy.”

Unexpected illnesses, accidents or travel-related emergencies can happen to anyone. Buy our travel insurance to ensure that you are covered financially.

How to Extend International Travel Insurance Online?

TATA AIG offers policy extensions for International Travel Insurance, Student Travel Insurance, and Senior Citizen Travel Insurance plans. Automatic extensions are provided in specific situations:

*Hospitalisation Abroad

If you are hospitalised when your policy expires, coverage extends up to 60 days or until discharge.

*Flight Delays

Unavoidable flight delays may qualify for an automatic 7-day extension.

To apply for an extension:

Contact Us: To extend your policy, contact us through our toll-free number, email address or in person at your nearest branch.
Provide Necessary Documentation: Submit proof of travel, such as passport stamps or flight tickets and a health declaration if needed.
Submit Within the Allowed Period: Extension requests are accepted from 7 days before to 30 days after policy expiration.

For detailed guidelines and to access the extension form, visit TATA AIG's official website.

Subject to informing the Company about the requirement for such extension, not later than 24 hours of the Policy Period End Date

Can You Port Your Travel Insurance Policy?

Currently, there is no provision of portability for travel insurance policies. Portability is typically associated with health insurance, allowing policyholders to switch insurers without losing benefits. For travel insurance, it is advisable to assess your coverage needs before purchasing, as transferring policies between providers is not standard practice.

For more information on health insurance portability, you can refer to TATA AIG's guidelines.

Understanding Travel Insurance Terminology

Accommodation: It refers to any establishment that charges a fee for temporary overnight housing and requires bookings.
Pandemic: An outbreak of an infectious disease or illness that spreads swiftly and extensively and is classified by the CDC (Centers for Disease Control and Prevention).
Premium: It is the sum of money that an insured individual must pay to the insurance company in exchange for the insurance policy. The premium cost varies based on the insurance coverage you select.
It is worth noting that choosing a greater deductible may decrease your monthly payments, but the quality of protection will be lesser, and you may be exposed to higher charges in the event of an accident.
Reimbursement: The amount of money that an insurance company will pay you for medical treatment or hospital fees that you have previously spent is referred to as reimbursement or compensation.
Policyholder: The policyholder, often known as the policy owner, is the individual who purchases the insurance policy and pays the premiums. The insured may or may not be the policy owner.
For example, Kritika is free to purchase an insurance policy for her husband Swapnil; in such an instance, Kritika is the policyholder, and her husband is the insured party, meaning he's the only one who would get benefits under the terms of the policy.
Foreseeable Event: It is one that was reasonably anticipated prior to the purchase of the plan. When it is feasible for persons heading to a region to be aware of an occurrence, it becomes predictable. For example, if the airline you're travelling with declares a strike, the event becomes predictable after they make the announcement.
Physician: It is defined as a person who is licensed as a medical doctor by the jurisdiction in which he or she resides and who practises the healing arts. They must be practising within the extent of their licence for the service or treatment provided and cannot be you, a travelling companion, or a family member.
Trip Cost: It refers to the costs of your travel arrangements that you paid before leaving on your trip and would be lost if your trip was cancelled. This covers flights, cruises, lodgings, excursions, entertainment and other fees that you may incur if you are unable to travel.
Maximum Policy Coverage: The maximum amount of compensation that will be paid for expenditures covered by a policy.

Glossary 1

Accident: Any unplanned mishap that happens due to no fault of the insured or others. It could lead to injury or a fatality.
Act of Terrorism: Any act of violence from an individual attempting to gain control of or overthrow a government that leads to major damage or loss of life.
Common Carrier: Any commercial individual or organisation that deals in the movement of people and goods from one place to another, such as a commercial airline.
Condition Precedent: A condition upon which the insurance provider agrees to provide cover.
Congenital Anomaly: Any condition that is present in the insured individual since birth and is considered to be abnormal in structure, form or position.
Deductible: A deductible is a small amount that the insured individual is required to pay every time they file a claim against their international student travel insurance policy.
Disease/Illness: Any pathological condition that impairs your body’s normal physiological functions. For cover, the disease or illness should show first signs or symptoms while the policy is in effect and should require medical treatment.
Educational Institution: A school, vocational institute, college, polytechnic, university or institute of higher learning that has the license to provide educational services by trained or qualified teachers and where the injured individual is a full-time student.
Equipment Failure: A sudden or unforeseen breakdown of the common carrier’s equipment, which results in a delay or interruption of the insured’s scheduled trip.
Free-Look Period: A period of 15 days from the day the insured receives the policy documents for a student travel insurance policy. During this time, the insured can look over the documents and choose to cancel the policy without incurring substantial cancellation charges.
Grace Period: A specific period immediately following the premium due date during which the insured can still pay the premium and continue to enjoy the continuity benefits of getting cover.
Hospitalisation: Any instance in which the insured individual has to be admitted into a hospital for a minimum of 24 hours to receive treatment.
Immediate Family Member: An immediate family member refers to the insured’s legal spouse, siblings, siblings-in-law, legal children, parents, parents-in-law, legal guardian and step-parents who reside in India.
Inclement Weather: Severe weather conditions, such as storms, that delay the scheduled arrivals or departures of common carriers.
Inpatient/Inpatient Care: Any treatment for which an individual needs to stay in a hospital for over 24 hours for a covered event.
Insured Journey: This refers to any trip that the insured individual takes within the policy term. It commences once the individual boards the aircraft for an onward journey. It expires on their arrival back to their city or town of residence or when the policy is set to expire – whichever is earlier.
Insured Period(s): This refers to the period of time, starting with the effective date and ending with the end date declared in the policy documents, during which the insured individual can get cover for their travel.
Insured Person: The individual who is a permanent resident of India and has purchased a travel insurance policy from us.
Land/Sea Arrangements: All pre-paid travel arrangements made for a scheduled trip or cruise for which insurance has been purchased and is arranged by a tour operator, travel agent, cruise line or other organisation.
Medical Advice: A consultation or advice received from a medical practitioner, including the issue of any prescriptions.
Medical Expenses: Expenses that the insured individual has incurred due to an illness or required medical treatment on the advice of a qualified medical practitioner.

Glossary 2

Medically Necessary: Any treatments, tests, or hospital stays that are required for the medical management of an illness on the advice of a qualified medical practitioner.
Nervous Disorder: A central nervous system disorder that requires the insured person to incur certain covered medical expenses.
Notification of Claim: The process by which the insured individual informs the insurance provider or their TPA that they are required to make a claim against the policy.
Pre-Existing Condition: Any ailment, injury or related condition for which you have been diagnosed or had symptoms of or received treatment in the 48 months prior to the date when the trip is scheduled to start.
Professional Sports: Any sport that the insured plays for which they receive remuneration that makes up 50% or more of their livelihood.
Reasonable Additional Expense: Expenses for services or supplies that are absolutely necessary due to an illness or injury.
Reasonable and Customary Charges: Standard charges for services or supplies that the insured must pay to get the required help or treatment.
Room Rent: The amount that a hospital or medical facility charges per day for an individual to occupy a bed.
Single Trip Insurance: These plans have a one-time premium charge and are only good for one trip. They are best suited for infrequent travellers and often provide no more than six months of coverage.
Multi-Trip Travel Insurance: For frequent flyers, multi-trip travel insurance policies are the best options. These plans have a yearly validity period and need a premium payment each year. Travellers are protected for any number of trips they take during this period.
Scheduled Airline: Any civilian aircraft operated by a civilian air carrier that holds a valid certificate, licence or similar authorisation from the country’s aircraft registry. The airline must carry out all operations in accordance with the country’s rules and regulations.
Serious Injury or Sickness: Any injury that a qualified physician declares to be dangerous to the insured’s life.
Sickness: Any illness that first showed symptoms or was contracted after the policy has come into effect.
Sound Natural Teeth: Natural teeth that have not been altered in any way or simply restored to their normal function. The restored teeth should be disease- and decay-free and should not be more susceptible to injury or damage than unaltered natural teeth.
Sponsor: The individual responsible for paying the tuition fee for the insured individual while they are studying at an educational institution outside their home country.
-Strike: Labour disagreements that end up interfering with the normal arrivals and departures of common carriers as per the definitions offered by the authorities of each respective country.
Subrogation: It occurs when an insurance company reimburses its insured for injuries or losses caused by a third party. If a third party caused harm, the insurer can still sue the third party to collect the lost money.
Sub-limits: Sub-limit refers to the maximum amount that the insured individual will receive for any particular claim as per the amounts provided in the policy schedule. For certain claims, there is no sub-limit and the maximum sum insured can be paid.
Sum Insured: The maximum amount of coverage your international student travel insurance provider will have to pay in case of various injuries or losses.
Travelling Companion: Refers to two named individuals who are booked to travel along with the insured on the trip.
Trip: Any insured journey that the insured individual takes during the policy term. The journey must start and end in India and should be to a destination outside of India.
Tuition: An accredited educational institution charges all legally required registration fees for the required courses, as well as any laboratory or extracurricular course fee. This does not include the costs associated with purchasing textbooks, learning materials or boarding and lodging.
Unproven/Experimental: Treatment that does not have an established medical practice, including drug experimental therapy.
Per day Price - TATA AIG Travel Insurance - International plus – Silver- without sublimit - Worldwide ex USA & Canada – 40 yrs – 90 days duration excluding GST.

Frequently Asked Questions

Policy Related

Service Related

What is Travel Insurance?

Travel insurance offers medical coverage and trip coverage. While there’s a distinction between the two overseas, in India, all travel insurance policies include medical coverages like emergency hospitalisations overseas, emergency evacuation, and repatriation along with regular trip coverage.

What is a pre-existing condition for travel?

In insurance, pre-existing diseases refer to health conditions you already have before you buy your travel insurance plan. For example, heart disease, asthma, diabetes, high blood pressure, etc., are common pre-existing conditions.

Why do I need travel insurance?

Going on holiday can be a lot of fun, but a single misstep or mishap could completely ruin a perfectly good vacation. Your travel insurance policy will help protect you and provide you with assistance in case things don’t go as planned while you’re travelling. Right from reimbursing you for lost luggage to helping you pay for medical bills in a foreign country, a travel insurance policy will help you deal with all kinds of emergency situations.

What's the best travel insurance?

The best travel insurance is one that covers your trip emergencies. There are many ways to ascertain this. We recommend comparing different travel insurance plans and their coverage to know which one is the best for you.

Does the TATA AIG travel insurance policy some with a free-look period?

We offer a free-look period on our annual and multi-trip travel insurance plans. If you purchase a single-trip travel insurance policy, we cannot offer a free-look period.

Do I get a grace period for my travel insurance policy?

Absolutely! You can get in touch with our customer care team by calling our toll-free number, 1 800 266 7780 or by sending an email to customersupport@tataaig.com and they’ll take you through the process.

Can I buy travel insurance after leaving the country?

Sadly, no. Your travel insurance policy purchase date and the date from which the policy commences must be before the date on which you plan to start your trip. So, you must buy your travel insurance before you leave the country.

Will pre-existing diseases be covered under my travel insurance policy?

In most scenarios, any treatment related to a pre-existing illness or complications that arise due to pre-existing conditions is not covered under our travel insurance plans. But, we understand that needing help while you’re abroad can be frightening. If you’re in a life-threatening situation, we’ll provide you with cover up to USD 1,500

Will I be refunded if I cancel my travel insurance coverage?

If you cancel before the risk start date, you will receive a full refund less cancellation fees. If it's after the risk start date and because of non-travel, a full refund minus cancellation costs will be issued. However, if the client cancels the policy after the risk start date or owing to an early return based on the used premium, the remaining premium less cancellation fees will not be reimbursed.

How does a travel insurance policy work?

Travel insurance functions as a financial safety net, protecting you from the financial consequences of unanticipated problems during your trip. When you acquire a travel insurance policy, you are effectively purchasing protection against certain insurable situations. It provides medical, luggage, and travel insurance. If any of the covered occurrences, such as flight delays, luggage loss, or medical crises, occur, your insurance provider will either pay you for the additional costs incurred as a result of such incidents or give a cashless insurance claim settlement for the same.

Can an individual purchase international travel insurance after they have booked their trip?

Yes, one may acquire travel insurance after they have booked a reservation for a trip. In fact, doing so is a good idea since they will have a better understanding of the details of their trip, such as the start and end dates, the number of people accompanying them, and the location. All of these facts are required to calculate the cost of travel insurance coverage.

What is flight insurance?

Flight insurance is a type of travel insurance coverage that covers the cost of flight cancellations and delays. It will also cover incidents like emergency medical evacuations and other mishappenings during flights.

Can I purchase travel insurance online for someone unrelated to me?

You can only buy travel insurance for yourself or immediate family members since insurance purchases require a KYC process to verify the buyer’s identity.

Can the insurer cancel travel insurance at any point?

Yes, your insurer reserves the right to cancel your travel insurance policy at any point in the event of established fraud, misrepresentation or non-disclosure on your part.

I have both travel insurance and medical insurance, so which one will be applicable during my trip?

Travel insurance will be applicable for medical emergencies during your trip. Medical insurance will be applicable for medical emergencies within India and, if you’ve got global coverage, for planned treatments overseas.

How much will travel insurance online cost me?

This depends on how much coverage you need, the type of plan you buy and your insurance provider. At TATA AIG, you can buy travel insurance plans starting at ₹24.8/day.

Can I buy travel insurance after departure?

No, you need to be in India to buy travel insurance and ensure you get coverage for your trip. If you’re unsure of when to buy it, you can buy travel insurance the day before your trip or any time before that.

Can I take travel insurance after booking my flight or hotel?

Yes, so long as you’re in India you can buy travel insurance to insure your trip.

Will my travel insurance policy cover any pre-existing diseases?

Generally, the base policy will not cover pre-existing diseases. If you require PED coverage, you must notify your insurer before purchasing or get coverage with additional premiums and medical emergencies due to life-threatening Pre-Existing Diseases only.

Is travel insurance mandatory for everyone?

Travel insurance is not mandatory, but this will depend on the country you’re travelling to. Some countries, like the Schengen region countries, mandate all foreign travellers to have travel insurance with medical coverage.

Do I need to be in India to get a travel policy issued?

Yes, you need to be in India to buy travel insurance. You cannot buy a travel policy or get coverage if you buy it after you've left India.

What if I lose all original documents while travelling abroad?

Your travel insurance policy will cover the loss of your travel documents during your trip if they are lost, stolen or damaged through no fault of your own. The policy will also assist you in getting issued new or duplicate ones in their place.

When is the best time to purchase a travel insurance policy?

It is recommended to buy travel insurance as soon as you book your reservations, and your visa and tickets have been confirmed.

What is a covered reason for trip cancellation?

Accidents, illnesses or injuries of the insured person, their immediate family member or travel companion, pandemic situations, mass bundhs/shutdowns, natural disasters or catastrophic events at the trip destination are all covered reasons for trip cancellation. Simply put, trip cancellation will cover reasons and scenarios that are completely out of your control, which lead to a cancellation of your trip.

What credit cards offer free travel insurance?

Most credit cards from large banks like HDFC, ICICI, American Express or AMEX, Axis Bank and Standard Chartered will offer credit cards with built-in travel insurance. However, it’s important to note that coverage only activates when the travel booking is made using a credit card with travel insurance. Some providers will also require you to use your credit for a specific portion of your trip to be eligible for coverage.

Do I need to buy travel insurance for short trips as well?

Yes, it’s recommended to buy travel insurance even for short trips.

Can travellers with Hypertension/Diabetes purchase travel insurance plans?

Yes, travellers with hypertension and diabetes can buy travel insurance. But it’s important to note travel insurance will only cover medical emergencies and complications due to hypertension and diabetes during your trip if they are life-threatening. If you need coverage for a pre-existing condition, you’ll need to discuss it with your insurer before buying the plan.

Is travel insurance from India useful for frequent travellers?

Yes, travel insurance plan types like multi-trip insurance and annual travel insurance plans are often recommended for frequent travellers since they cover all trips taken within a year. They make getting travel insurance easier since you won’t be required to buy a new plan every time you need to travel during the year.

What are some tips for purchasing the cheapest travel insurance online?

The best way to buy travel insurance is by comparing travel insurance policies, namely their price and coverage. This method ensures you get the most bang for your buck when.

Is EUR 30,000 coverage mandatory for travelling to Schengen countries?

Yes, Schengen region countries require all travellers to have travel insurance with a minimum of EUR 30,000 for medical coverage.

How much is the 30,000 Euro travel insurance cost in India?

Europe travel insurance from India can typically cost anywhere between ₹2,000 to ₹5,000, and you expect to pay around ₹30 per day for a basic plan. This will vary across insurers. For example, with TATA AIG, the Travel Guard Plus plan offers premiums ranging between ₹1,100 to ₹2,500, inclusive of 18% GST, for a 15-day trip to France*. *TATA AIG Travel Guard Plus, UIN: TATTIOP24162V012324

Will the travel insurance cover the expenses towards the new passport loss incurred in India?

For international travel, your travel insurance will only cover passport loss overseas during your trip, not before it. For domestic travel within India, your travel insurance plan will cover the loss of travel documents or credit cards during your trip. In both cases, you will only get coverage for lost passports or travel documents during your trip, not before it.

Where should I buy travel insurance online in India?

You can buy travel insurance from online insurance providers like TATA AIG on their official website.

What is the best place to buy travel insurance?

The best place to buy travel insurance is directly from the insurer through their official website. To prevent online scams or fraud, make sure the insurer you pick is [listed as an insurer](https://irdai.gov.in/list-of-general-insurers) on the IRDAI website. For example, TATA AIG is listed as a general insurance provider on the IRDAI website.

How much does travel insurance cost for 2 weeks?

This depends on where you’re travelling to. For example, with TATA AIG’s Travel Guard Plus, you can expect travel insurance to cost between ₹1300 - ₹2100, inclusive of 18% GST, for a 2-week trip to the US*. *TATA AIG Travel Guard Plus, UIN: TATTIOP24162V012324

How much will overseas Travel Insurance cost?

Generally, your average travel insurance cost will be 4%-12% of the total cost of your trip.

Would I be reimbursed for the expenses abroad if I go specifically to get treatment abroad?

No, travel insurance does not cover planned medical treatments overseas. It only covers medical emergencies. You will need to buy health insurance with a global cover if you need coverage for planned treatments overseas.

Is it safe to buy travel insurance online?

Yes, so long as you buy plans from IRDAI-approved insurers from their official website, it is completely safe to buy travel insurance online. You can check the [IRDAI’s approved list of insurers](https://irdai.gov.in/list-of-general-insurers) to ensure you’re buying from a reputed insurance company.

What are the maximum days for which I can take the travel insurance policy?

You can get single-trip travel insurance coverage for up to 360 days*. For annual multi-trip travel insurance, you can get coverage for 150 days per trip in a given year*. The single-trip travel plan will last until your return to India, and the multi-trip travel insurance plan will be valid for a year from the date you buy the plan.

Does travel insurance cover me if I cancel my flight?

Yes, travel insurance will cover flight cancellations if you cancel your flight due to a covered reason like an accident, illness, injury, travel ban or any other circumstance out of your control.

Will my family be covered under one policy, or do I need a separate policy for travel and separate claim documents for each family member?

Most travel insurance plans will allow you to add your family members. However, it is best to confirm this by reading the policy wording before buying the plan.

What is a travel insurance premium, and how is it paid?

A travel insurance premium is the cost of the travel insurance plan you’re buying. You pay the premium, and in exchange, you get travel insurance coverage during your trip.

Will I be covered for any expenses incurred due to the treatment of COVID-19?

Hospitalisations and quarantine at your booked place of stay or in a quarantine facility due to COVID-19 will be covered during your trip*.

What would be the documents required to file a claim for COVID-19?

Copy of diagnostic reports/pathological/ radiological reports, along with proof that you are required to be quarantined by a doctor. In the event of a pandemic like Covid, you will also need to provide proof that your illness is declared as a pandemic at Phase 4 or higher by the World Health Organization (WHO).

How many times can we extend the policy?

You can extend your policy once for reasons like flight delays exceeding 24 hours, pandemics declared by WHO and rough weather. Once your extension is granted, no further extensions under your current policy will be granted.

What do I do if I fall sick when I am travelling abroad?

In case you fall sick and need to be hospitalised or require medical attention, you can claim medical coverage under your travel insurance plan.

Do I get a grace period for my travel insurance policy?

No grace periods aren’t available for travel insurance plans since you are required to pay the premium at the time of policy purchase.

Can I travel without travel insurance?

Yes, if the country you’re travelling to doesn’t mandate travel insurance, you can travel without it, but it’s not recommended.

When does the travel insurance cover begin and end?

Your travel insurance coverage will start on the day you depart and end when you return to India.

What is the maximum trip length with a single-trip policy?

You can get coverage for up to 360 days* under a single-trip travel insurance policy.

Is travel insurance cashless?

Yes, most travel insurance policies provide cashless services for overseas hospitalisations at network hospitals.

Can old people buy travel insurance?

Yes, senior citizens over 61 years of age can buy senior citizen travel insurance plans

Does travel insurance expire?

Yes, travel insurance plans end once your trip ends and you return to India. Annual travel insurance expires 1 year from the date of purchase.

In which Schengen countries is travel insurance mandatory?

Travel insurance is mandatory in all Schengen countries.

Can more than one policy be issued for the same trip?

You can own more than one travel insurance policy, but you cannot file a claim for the same incident under both policies as it can be considered fraudulent.

What are the age criteria for which you issue a travel insurance policy online in India?

The minimum entry age under travel insurance is 3 months for single-trip plans and 12 years for annual plans. However, you need to be at least 18 years old to buy travel insurance or have a family member over the age of 18 years buy it for you if you’re a minor.

Are business travellers eligible to purchase a Travel Insurance policy?

Yes, you can buy travel insurance if you need to travel for work purposes.

Does travel insurance cover OPD?

Yes, travel insurance covers OPD expenses in case you fall ill during your trip and require medical attention.

Do I need travel insurance before buying a visa?

Visa application processes for some countries will require you to buy travel insurance during the application process and provide proof of coverage as part of their visa approval process.

If I’m being advised to quarantine, are the accommodations or re-booking expenses covered?

Yes, if you’ve been advised to quarantine in your booked hotel room or at a quarantine facility by a doctor, your travel insurance plan will cover it.

What sum insured should be opted for while travelling to Schengen countries?

When buying Schengen travel insurance, you will need to get a minimum medical coverage of EUR 30,000 (approx ₹27,05,760) under your plan.

What is the document provided as proof of travel insurance?

The document provided as proof will be a soft copy of your travel insurance policy that you can download as proof. Moreover, proof of travel insurance can also be confirmation of coverage from your insurance provider.

Does travel insurance cover a positive PCR test?

Travel insurance will cover the trip cancellation or hospitalisation costs that result from a positive PCR test rather than the test itself.

Can you get a refund on flights if you have COVID?

Yes, travel insurance will cover trip cancellation costs if you are diagnosed with COVID-19 or any other illness and you are unable to travel.

How much does COVID-19 travel insurance cost?

Travel insurance plans covering COVID-19 will cost about the same as regular travel insurance plans since the IRDAI has mandated that all travel insurance should cover COVID-19.

Can I get travel insurance with pre-existing conditions and COVID-19 coverage?

While you can get COVID-19 coverage, most travel insurance plans will not cover pre-existing conditions. If you require PED coverage, you’ll need to check with your insurance provider on whether you can get coverage through an add-on.

Who is a Third-Party Administrator or TPA in Travel Insurance?

TPAs are intermediary companies that process travel insurance claims on behalf of the insurer. They help with claims processing, offer assistance during claims, and provide general assistance regarding any processes under your travel insurance plan.

What is the difference between a single trip and a multi-trip policy?

Single-trip travel insurance covers a single trip. Its coverage starts when you depart for your trip and expires when you return to India. Multi-trip travel insurance covers multiple trips in a year.

Does travel insurance cover travel warnings?

No, travel insurance plans do not cover trip cancellations due to travel warnings or alerts.

Is it necessary to buy travel insurance for every long trip?

If the country you’re travelling to doesn’t mandate it, then it’s not required, but immigration authorities highly recommend buying travel insurance for longer trips.

Are there different types of travel insurance as per needs?

Yes, there are several types of travel insurance plans available based on your travel needs. A few popular ones include Schengen travel insurance, international travel insurance, student travel insurance and annual multi-trip travel insurance.

Can I buy an annual plan of travel insurance?

Yes, you can buy a multi-trip travel insurance plan that offers coverage for multiple trips taken within a year if you’re a frequent traveller.

Is it better to buy travel insurance per trip or annually?

Single-trip travel insurance is best for rare one-off trips or vacations, while multi-trip travel insurance is best for business travellers and frequent flyers.

Would travel insurance cover me anywhere?

Most travel insurance plans will cover you anywhere in the world, but you will need to list your travel destinations during your purchase to ensure coverage. It’s also best to confirm coverage by checking policy exclusions and asking your insurer in case they do not cover certain countries.

How do I check the status of my travel insurance policy?

At TATA AIG, we issue our travel insurance policies instantly. Once your policy is issued, you can call our customer support team on 1 800 266 7780 if you’d like any further assistance.

What should I do if my claim is denied?

If your claim was denied, you can call our 24/7 toll-free helpline at 1800 266 7780 or email us at customersupport@tataaig.com. For any escalations, you can email us at manager.customersupport@tataaig.com or approach the [Insurance Ombudsman](https://www.cioins.co.in/).

How do I make a claim against my travel insurance?

Making a claim is easy. You can choose to make the claim online by visiting the TATA AIG website and filling up the requisite travel insurance claim form. If you are unable to make a claim online, you can check your policy documents for our toll-free support centre numbers. Depending on where you are, you can call the number and inform us about the details of your travel insurance claim. Our customer service executives will talk you through the entire process.

How would my policy assist me if I misplace my passport?

If you lose your passport, your insurance will reimburse you for any necessary and reasonable fees paid in obtaining a duplicate or new passport. - is seized or held by customs officers, police officers, or police authorities. - Is misplaced because it was left unattended or forgotten at a public area or mode of transportation, hotel, apartment, or private space or vehicle. - has been robbed and you have not reported the entire incident to the local police within 24 hours. When you make the claim, we will need a copy of the report.

How is a policyholder covered if they have an accident and incur injuries or loss?

This travel health insurance coverage will pay you for any unfavourable outcomes/losses or accidents that may occur while travelling. This compensation varies according to the kind of loss and is restricted to the 'sum insured' specified in the travel plan.

What documents are needed when filing a travel insurance claim?

The type of documentation required is highly dependent on the nature of the insured occurrence. The following documentation must be supplied in the event of a loss covered by travel insurance: - The travel insurance policy number - All bills, invoices, hospital certificates, and prescriptions that will allow us to precisely calculate the entire amount of medical expenditures incurred (if applicable) - The preliminary medical report describes the nature and degree of all injuries or diseases and provides a specific diagnosis - If another party was involved (like in an automobile accident), provide the names, contact information, and, if possible, insurance information of the other party - In the event of death, an official death certificate, succession certificate issued in accordance with the 1925 Indian Succession Act, as modified, and any other legal papers verifying the identity of any and all beneficiaries are required - Age proof (where applicable) - Other details as requested by us in order to handle the insurance claim. The following proof must be supplied in the event of an accident covered by the travel policy: - The precise circumstances of the event, as well as the names of any witnesses - Any police reports relating to the accident - The exact date when the doctor was contacted about the injury - The physician's contact information In the event of an illness covered by the travel policy, the following documentation must be supplied. - The date when the illness's symptoms first appeared. - The date when a physician was contacted about the illness. - The physician's contact information

I had to cancel my trip for personal reasons, but I already got travel insurance. Can I get a refund?

No, trip cancellations are covered for illness, accidents and injuries, travel bans, pandemics and natural disasters at your travel locations. If you had to cancel for reasons outside of these

If I am travelling to multiple countries as a part of my one trip, do I need two overseas travel insurance plans?

No, you can get coverage for multiple destinations under one travel insurance plan. You will need to inform your insurer that you’re travelling to multiple destinations.

Does TATA AIG maintain a network of service providers across the globe?

Yes, we do. You can also opt-in for our optional assistance services under travel insurance for further assistance from us during your trip*.

Can I claim a cashless mode of settlement for medical expenses? Are there any deductions in Travel insurance claims?

Yes, we offer cashless claim services for hospitalisations overseas. We also have a minimal deductible amount on a plan basis.

Can I renew my travel insurance policy online?

Renewals are not available for single-trip travel insurance plans. For multi-trip plans, you can contact your insurer on the possibility of a renewal.

How can I claim for COVID-19 expenses through my travel insurance?

COVID-19 medical expenses can be claimed under the pandemic cover if your trip is in any way affected by a positive diagnosis. You can [initiate a travel insurance claim](https://www.tataaig.com/servicing) on our website.

Does travel insurance cover missed flights due to COVID-19 testing?

Travel insurance will cover COVID-19 during your trip or if you contract it before the start of your trip and need to cancel. In other words, it will only cover the resulting hospitalisation costs after a diagnosis or the trip cancellation costs, not the test itself.

How can I cancel my travel insurance policy?

You can cancel your travel insurance policy by giving us a notice of at least 7 days. Do note that cancellation is only available for multi-trip plans. Single-trip policies cannot be cancelled.

Can I extend my policy?

Yes, you can extend your travel insurance policy once for reasons such as flight delays exceeding 24 hours, pandemic situations and rough weather conditions.

Does TATA AIG's travel insurance policy come with a free-look period?

Only multi-trip travel insurance comes with a free-look period of 30 days from the date of receipt of the policy.

If the customer returns home earlier than planned, can he/she get a partial refund on travel insurance?

You can get a partial refund of the premium, provided you return from your trip at least 21 days before policy expiry and you haven't filed any claims under the plan.

Will I get a refund if I cancel my travel insurance policy?

You may get a refund on your premiums if you cancel your policy, provided that no claims were filed. For single-trip travel insurance, a refund is applicable only if you return 21 days before the policy expires. For annual travel insurance, you’ll need to give us 7 days’ notice in writing.

What are the modes of payment for buying a travel insurance policy?

When buying travel insurance, you’ll need to pay the premiums upfront through UPI, cards, EMIs, net banking, or a digital wallet.

Does a claim have to be lodged or made in a specific time frame from the time of the accident?

Yes, you must inform the insurer within 7 days of the event or loss and no later than 30 days from the date of the actual loss.

Is it necessary to get prior approval from the insurance provider before proceeding with medical treatment should the necessity arise?

Prior authorisation may be required for more complex medical treatments. Claims settlements are generally done on a reimbursement basis, and cashless services are available at network hospitals overseas.

Where can I get the list of network hospitals for my travel insurance?

You can contact our customer service team at 1800 266 7780 for further information.

What are the sub-limits of this product?

Sub-limits are applicable for policyholders aged 56 years and over for the same illness and injury in case of hospitalisation, day care and OPD treatments. You can opt for plan options with no sub-limits by paying an extra fee. Sub-limits are not applicable to your Schengen travel plans.

I have a travel insurance policy from TATA AIG. How can I talk to a customer executive about claim requests?

For travel insurance claims, you can contact our customer support team at 1800-119966 or 1800-22-9966 (for senior citizen policyholders) or via email: general.claims@tataaig.com. For international claim-related queries, you can contact us at +1-833-440-1575 (Toll-free within the US and Canada) or via email: tata.aig@europ-assistance.in. For non-USA overseas policies Call: +91 – 022 68227600 Email - EA.TATAclaims@europ-assistance.in.

Do I need to provide proof of physical fitness when buying travel insurance?

No, you generally do not need to provide or undergo any pre-policy check-ups when buying travel insurance.

If I take a travel policy for 2 months, can I extend it later, as per my requirement?

You can get an extension on your policy once for reasons such as pandemic situations declared by WHO, flight delays and rough weather conditions.

Can I buy insurance if I am going on a work permit abroad?

Yes, you can buy travel insurance if you are travelling on a work permit.

When is FIR required for a travel insurance claim?

FIRs are required for theft, accidents and any other incidents involving another person during your trip.

Whom do I contact while abroad in case of any emergency?

n the event of an emergency, you can approach the nearest Indian Embassy or Consulate. In case of claims, you can contact us at +1-833-440-1575 (for US and Canada) Email - tata.aig@europ-assistance.in or Call: +91 – 022 68227600 Email - EA.TATAclaims@europ-assistance.in (for Non-US international travel).

How does TATA AIG Travel Insurance settle its claims abroad?

For international claims, ensure you [notify us](https://www.tataaig.com/travel-insurance/travel-insurance-claim-assistance) as soon as possible, preferably within 7 days of the incident and that you file a claim within 30 days of the loss. Claims are settled on a reimbursement basis within 30 days from the receipt of the last required document.

How many days does it take to settle the claim?

We settle claims within 30 days from the receipt of the last required document.

Can I file a travel insurance claim once I return to India?

Yes, but you must have registered or notified the insurer of the incident during your trip for the claim to be admissible. Moreover, you can only file claims for incidents or losses that occurred during your trip. Your travel insurance will not cover losses that happen after your trip.

Will my policy offer trip cancellation insurance in case of hospitalisation?

Yes, if you’ve had to cancel your trip due to hospitalisation from an illness, accident or injury, your travel insurance plan will reimburse you for non-refundable costs.

Does TATA AIG's travel insurance policy come with a free-look period? (Shift to Service-Related)

Only multi-trip travel insurance comes with a free-look period of 30 days from the date of receipt of the policy.

Can I buy travel insurance after leaving the country?

No, you need to be in India to buy travel insurance and get coverage for your trip. Your travel insurance policy purchase date and the date from which the policy commences must be before the date on which you plan to start your trip. You can buy a plan as close as the day before your trip.

Will I get a refund if I cancel my travel insurance policy?

If you cancel before the risk start date, you will receive a full refund. If it's after the risk start date and because of non-travel, a full refund minus cancellation costs will be issued. You may also get a refund on your premiums if you cancel your policy, provided that no claims were filed. For single-trip travel insurance, a refund is applicable only if you return 21 days before the policy expires. For annual travel insurance, you’ll need to give us 7 days’ notice in writing.

How do I check the status of my travel insurance policy?

At TATA AIG, your travel insurance policies are issued instantly. Once your policy is issued, you can call our customer support team on 1 800 266 7780 to check its status.

What happens if my claim is rejected?

If this happens, we will inform you of the reason why your travel insurance claim has been rejected. You are free to raise another ticket if you’d like us to reevaluate our decision. You can also call our 24/7 toll-free helpline at 1800 266 7780 or email us at customersupport@tataaig.com. For any escalations, you can email us at manager.customersupport@tataaig.com or approach the [Insurance Ombudsman](https://www.cioins.co.in/).

How do I make a claim against my travel insurance?

Making a claim is easy. You can choose to [file a claim online](https://www.tataaig.com/servicing) by visiting the TATA AIG website and filling up the requisite travel insurance claim form. If you are unable to make a claim online, you can check your policy documents for our toll-free support centre numbers. Depending on where you are, you can call the number and inform us about the details of your travel insurance claim. Our customer service executives will talk you through the entire process.