What is Travel Insurance?

Travel insurance is a protection that offers financial help for losses caused by unexpected events during your trip. It usually covers your travel plans from the start to the end of your journey. The plan helps with costs in cases like medical emergencies, lost belongings, lost documents, medical evacuation, trip delays and more.

Many popular global destinations can be much more expensive than travelling within India. For instance, Schengen countries require valid travel insurance to get a visa. Without the right overseas mediclaim policy, your visa application will be rejected. Travel insurance in these situations ensures you are financially protected in emergencies, keeping unexpected costs from breaking your budget.

Simply put, Travel insurance is your financial helmet: you invest a small amount in rupees to protect yourself from potentially huge expenses in foreign currencies.

A travel insurance plan protects your trips from unexpected events, offering global coverage and safeguarding you against mishaps, whether purchased online or offline.

Here are some key points highlighting why travel insurance is essential for every journey you plan:

1. Economic Security

When spending a lot on vacations with family and friends, the last thing you want is unexpected issues like a stolen wallet. That is where travel insurance helps. Travel insurance provides a safety net. It offers financial support to manage unforeseen problems and keep your trip on track.

2. Compensation for Vital Items

Travel insurance can be a lifesaver if your luggage is lost or delayed. It covers essential items while you wait for your belongings. This policy ensures you are not left stranded, providing financial aid for essential purchases so you can continue your trip stress-free.

3. Accident

Travel insurance provides essential support if you or your family are involved in an accident while travelling. In such unfortunate situations, it covers medical expenses and offers compensation based on the policy's sum insured.

4. Missing a Connecting Flight

Travel insurance lets you claim reimbursement for expenses if you miss a connecting flight due to delays or other reasons beyond your control. This coverage helps recover costs for rebooking, accommodation and food, minimising financial strain from unexpected disruptions.

5. Trip Cancellation

Travel insurance provides a safety net if you need to cancel your tour because of illness, injury, national emergencies or natural disasters. Instead of losing all your travel investments, insurance helps recover non-refundable expenses like flight tickets, hotel bookings and tour packages. This protection prevents complete financial loss if you cannot travel due to unexpected events.

Travel insurance is exclusively designed to protect you from unexpected events and expenses while away from home. It offers a range of coverages that provide peace of mind, ensuring you are not left vulnerable in unfamiliar environments.

Check out the features you may enjoy when you buy a TATA AIG travel insurance plan:

-Cover for Sickness and Accidents

Falling ill or having an accident on international lands can be daunting. However, our global travel insurance covers urgent medical treatment, hospitalisation, medical evacuation and repatriation. It also includes emergency dental services, providing comprehensive support during health crises overseas.

COVID-19 Coverage**

With Travel Insurance that includes COVID-19 coverage, medical expenses for COVID-19 treatment abroad are covered up to the policy limit. It also compensates for unused, non-refundable bookings if COVID-19 affects you, your travel companion or your immediate family before the trip.

The policy covers unused travel and accommodation costs if your trip is cut short due to COVID-19 and extends automatically for seven days if a lockdown occurs at your destination, subject to terms.

-Trip Assistance

Travelling to a new country is exciting, but unexpected issues can be stressful. Our international travel insurance plan offers support for finding medical treatment or replacing a lost or stolen passport, helping you navigate challenges smoothly and keep your trip stress-free.

-Loss of Luggage or Delay

If your baggage is delayed, stolen or misplaced, our travel insurance plans cover the cost of necessary items and compensate you for lost luggage. This provides financial relief and support while you wait for your belongings.

-Hijack Cover

If you fall victim to a hijacking, our overseas trip insurance provides a distress allowance to help with financial burdens. While it cannot fully compensate for the trauma, it offers relief and support during this difficult time, allowing you to focus on recovery and safety.

-Personal Liability

If you are in an accident abroad where someone is badly hurt or property is damaged, you will not have to cover the costs alone. Our foreign travel policy covers expenses for medical care or repairs. This coverage ensures you are financially protected and supported in handling any liabilities from such incidents.

-Automatic Extensions

If you are hospitalised abroad and your travel insurance is about to expire, we will extend your coverage for up to 60 days or until you are discharged. Suppose your flight home is delayed and no other options are available; in that case, we will automatically extend your insurance for an extra seven days to ensure you are covered until you safely return.

A trip insurance policy protects you from many unexpected issues while you are away but does not cover everything. Understanding these limitations can help you plan better and avoid surprises.

Here is what TATA AIG does not cover in our travel insurance packages:

Baggage Exclusions

Loss of baggage is not covered if you ship items separately or before your travel date. It also does not apply if your travel insurance policy excludes certain regions, like losing bags in India under a student policy. Furthermore, failing to report stolen luggage, belongings or documents to authorities invalidates any claims.

Journey Exclusions

Claims will not be covered if they result from engaging in illegal activities such as deceit or theft. Participation in high-risk adventure sports, including scuba or skydiving, is also excluded. Also, if the claim arises from manual labour or work that presents health hazards or danger, it will not be covered.

Medical Exclusions

Your claim under the travel insurance plan will not be processed if you travelled against medical advice or if issues are due to pre-existing conditions or self-inflicted injuries. Claims related to sexually transmitted diseases, mental disorders, pregnancy or injuries from non-prescribed alcohol or drugs are also not covered. Treatment for injuries while under the influence of hallucinogens, alcohol, drugs or other intoxicants is also excluded.

TATA AIG offers an array of travel insurance plans to suit different needs and travel styles. It does not matter if you travel solo or with family, including senior citizens, or head abroad for work or studies; there is a tailored travel insurance policy designed to provide you with the best coverage.

Let us explore each travel insurance type so you may select the one that perfectly fits your needs.

International Travel Insurance

Travelling abroad, whether for business or pleasure, can be stress-free with the right protection. Our international travel insurance lets you relax, knowing you are covered for unexpected events.

TATA AIG's international travel insurance covers everything from delayed luggage to medical emergencies and evacuations. It is highly recommended for international travel. Our multi-trip plan is ideal for those with several trips in a year.

Domestic Travel Insurance

Even for travel within India, travel insurance is essential. Our domestic travel plan helps with lost tickets, accidents and other situations, making it a reliable companion for your journey.

For frequent travellers, our multi-trip travel insurance policy is a smart choice. It allows you to enjoy seamless coverage for multiple trips without the hassle of applying for a new plan each time.

Student Travel Insurance

Our specialised student travel insurance supports your educational journey abroad. This plan is designed for individuals aged 16 to 35. Beyond standard coverage, it offers benefits like tuition fee reimbursement for missed semesters due to medical emergencies and coverage for compassionate visits, ensuring you are supported during hospital stays.

Senior Travel Insurance

Adventure is not just for the young! Our travel insurance for seniors over 70 ensures confident travel. Tailored for older adults, this plan addresses their specific needs.

Whether travelling solo or with a partner, our coverage includes protection against medical emergencies, evacuation, dental care and repatriation. Our senior citizen travel insurance lets you enjoy your trips as much as any younger traveller.

Choosing the right travel insurance policy involves careful thought. Here are key factors to look at before making your decision to ensure you get the coverage you need:

Destination

Your travel insurance needs will vary based on your destination. Whether travelling internationally or domestically, check specific requirements for your destination. Some countries require proof of adequate overseas travel insurance coverage for visa issuance, so ensure your policy meets these needs.

Travel Frequency

The type of travel insurance coverage you choose depends on your travel frequency. A multi-trip policy is ideal for frequent travellers, covering multiple journeys with one plan. If you travel occasionally, a single-trip policy may be more suitable. You can apply easily online without a pre-policy check-up.

Trip Duration

When choosing a travel insurance plan, consider extending the coverage duration beyond your trip dates. Opt for a policy that offers extra days without raising the premium significantly. This ensures you are covered if you need to extend your trip.

Claim Limit

A key factor in choosing travel insurance is the coverage limit. Each policy has caps for claims like lost luggage or medical emergencies. Ensure the sum insured matches your destination and trip length. A higher sum may increase the premium but offers better protection against unexpected costs.

People Travelling

A single policy is usually enough for solo travel. For family trips, include each member in your policy. Before purchase, let us know the total number of travellers to simplify coverage and paperwork.

Understanding the travel insurance benefits can make all the difference when planning a trip. TATA AIG’s travel insurance policy offers comprehensive coverage designed to ensure peace of mind during your travels. From medical emergencies to trip disruptions, explore how our policy provides robust protection for a worry-free journey.

-COVID-19 Cover: If you test COVID-19 positive while travelling abroad and require hospitalisation, our travel insurance policy will cover the cost of treatment. You can travel confidently, knowing you are protected from unexpected medical expenses.

-Affordable International Policies: Travel internationally without breaking the bank. Our travel insurance plans start as low as ₹40.82 per day, offering you comprehensive protection at a highly affordable rate. Enjoy your travels with peace of mind.

-Reasonable Domestic Policies: Explore the incredible destinations within India with our budget-friendly travel insurance, costing just ₹26 per day. Whether visiting the hills, beaches or bustling cities, we have your travel protection covered.

-Instant Policy Purchase: Getting a TATA AIG travel insurance policy is quick and hassle-free. You can buy travel insurance online in just a few clicks without extensive paperwork or health check-ups. Travel planning made easy!

-Hassle-free Claim Procedure: Our claims process is designed to be straightforward and paperless. You can easily file a claim online, minimising stress and effort. Upload the necessary documents to our portal and we will handle the rest, ensuring quick resolutions.

-24/7 Customer Assistance: We offer round-the-clock customer support regardless of where you are. Our dedicated in-house team is available 24/7 to put forward assistance and answer any queries, ensuring you receive the help you need anytime.

Purchasing travel insurance online with TATA AIG is a straightforward and convenient process. You can secure comprehensive coverage for your trip in just a few **Steps, ensuring mental satisfaction no matter where your travels take you.

Here is a quick guide to help you get started:

Step 1: Visit the TATA AIG travel insurance website to explore our plans and purchase the one that suits your needs.

Step 2: Choose your travel destination and dates. If visiting multiple locations, enter all destinations and dates. We will customise the best travel insurance options for your trip.

Step 3: For solo trips, just enter your date of birth. For family trips, you can add everyone to the same policy. Include your children, spouse and even parents by simply providing their names and birth dates.

Step 4: Based on your needs, we will offer three customised plan options. Use our ‘Compare’ feature to view each plan's unique benefits and coverage.

Concerned about the travel insurance price? Check the premium breakdown to see what you are paying for. For more details on what affects your premium, use our Travel Insurance Premium Calculator. Once you have compared the options, select the best insurance policy that matches your needs and budget.

Step 5: Fill in the final details and pay the premium. We will then quickly issue your travel insurance and email you a copy.

To initiate a travel insurance claim with TATA AIG, please follow these straightforward Steps:

Step 1: Immediately notify TATA AIG about any covered incident or loss. This timely notification is crucial for a smooth claims process.

Step 2: Collect all necessary supporting documents, including the completed claim form, medical certificates (if applicable), proof of purchase and any relevant invoices or receipts.

Step 3: Submit your claim package to TATA AIG through the designated channels, such as mail, online portal or in-person at a branch.

Step 4: Provide additional information or documentation as requested by TATA AIG and respond promptly to speed up claim settlement.

In a world full of adventure, travel insurance is like a trusted friend, helping you handle the unexpected twists and turns of your trip. From sudden cancellations to medical emergencies, this important coverage turns worries into peace of mind, ensuring your travels are filled with happy memories, not stressful problems.

As you prepare to travel and explore new places, remember that being a bit prepared can make a big difference. Let nothing hold you back from exploring! Ensure your adventures are safeguarded with TATA AIG travel Insurance.

With comprehensive coverage fine-tuned to your needs, you can travel with relief. Visit our official website to explore our plans and get a personalised quote today! Your next adventure is just around the corner - let TATA AIG make it extraordinary!