TATA AIG Travelguard insurance

Buy TATA AIG travel guard insurance Policy

What is the plan type?

Please read through TATA AIG travel insurance brochure for the benefits covered by the plan and its policy wordings which explains the terms and conditions. You can also complete an online TATA AIG Travelguard proposal form. You can get the complete quotes using the TATA AIG premium chart. You can renew/extend the plan using TATA AIG travel insurance extension on expiry.

Key features

  • Coverage available up to the age of 99 years
  • Option of coverage without any sub-limits
  • Trip Cancellation and Trip Curtailment
  • Missed Connection/Departure
  • Bounced Hotel/Airline booking
  • Home burglary coverage
  • Fraudulent Charges (payment Card security)
  • Pre-existing coverage up to $1500 in case of life threatening situation
TATA AIG travel insurance
Call: 080-4110 1026

TATA AIG Travel Insurance Review

Sum Insured
USD 50,000/ 100,000/250,000/500,000
Tenure Options
180 days( can be extended for further)
Age of Entry
180 days to 99 years

TATA AIG travel insurance coverage for Covid 19, TATA AIG Covid 19 travel insurance

The TATA AIG Travel Guard travel insurance offered by Tata AIG General Insurance Company Ltd offers coverage for medical expenses related to COVID-19. Coronavirus related coverage for every insured is available up to the limits mentioned in the Policy Schedule for expenses incurred due to sudden and unexpected Sickness or Accident arising when insured is outside the Republic of India. Coverage in the policy is subject to policy terms & conditions.
  • COVID related expensed are covered up to the Sum Insured according to the plan chosen less any deductible.
  • Covid expenses are covered for plans both with and without Sub Limits up to the eligible policy maximum.
The number of countries that insist on travel medical insurance upon arrival had been increasing over the years even before the COVID pandemic, however this list of countries is now growing rapidly. Several instances of unpaid medical bills by foreigners have caused huge losses to hospitals. This has pushed several governments to insist on travel health insurance for visiting their countries so as to minimize these incidents. This will hugely impact many Indian tourists, corporate executives and students who have deferred their foreign trips due to Covid-19 but will need to travel overseas soon.

Along with proof of travel medical insurance many countries are also implementing Covid testing documents while allowing visitors to their countries. See of the countries that mandate travel insurance with COVID coverage for entry include (this list is fast changing). Schengen countries, Thailand, Dubai, Russia, Qatar, Cambodia....

Exclusions under TATA AIG Covid travel insurance for Coronavirus

  • Expenses related to coronavirus testing are not covered until test reports are positive and leads to inpatient hospitalization.
  • Institutional and Home quarantine expenses are not covered.
  • Expenses incurred by travelers for COVID testing as part of government regulation are not covered.
TATA AIG covid insurance for international travel

TATA Travel insurance extension/renewal while outside India

Indian overseas travelers who are stranded outside India due to coronavirus and are unable to travel back want to extend or renew TATA AIG travel insurance online. These travelers can complete the TATA AIG international travel insurance renewal request form online and we will try to get an approval for you.
ONLINE RENEWAL
TATA AIG general insurance has designed the TATA AIG Travelguard insurance policy for the specific needs of Indians traveling overseas. The TATA AIG Travelguard insurance plan has been custom designed for the needs of different types of travellers.

The Annual Mult-trip Travelguard insurance policy works well for businesspeople and corporate travellers who travel outside India on a regular basis. This product covers unlimited trips outside India for an entire year. Each trip however has to be limited to either 30 days or 45 days.

The TATA AIG Travelguard individual travel plan is designed to individuals or family members to insure their travel outside India for one trip. This plan can be extended for up to 360 days for travellers who are up to 70 years old, and can be extended for up to 180 days for travellers who are older than 70 years.

TATA AIG Travelguard is available with four medical maximum coverage - $50,000 USD, $100,000 USD, $250,000 USD and $500,000 . For travellers who are over 70 years, the maximum coverage available is limited to $50,000 USD.

The TATA AIG Travelguard insurance also provides coverage for pre-existing conditions up to $1500. One of the unique benefits of this TATA AIG product when compared to other Indian insurance products is that this medical maximum coverage is available for every incident during the insured travel period. For travellers who are older than 56 years, there are certain sub-limits on the coverage. However there is also an no-sublimit plan which is more expensive, but provides comprehensive coverage.

TATA AIG travel insurance India - Useful links

How to buy TATA AIG overseas travel insurance?

You can buy Travel Guard policy online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

KNOW MORE
Traveler outside India

Travelers who have already traveled from India and do not have insurance can buy TATA AIG travel insurance online.


KNOW MORE
TATA AIG Travel Guard premium chart

Calculate the international travel insurance premium for Indian travelers and senior citizens travelling overseas


KNOW MORE
TATA AIG insurance claims

In case of Claim or reimbursement of treatment expenses, notify TATA AIG overseas travel insurance.


KNOW MORE
TATA AIG travel insurance brochure

Download TATA AIG Travel Guard brochure online!



KNOW MORE
TATA AIG travel insurance renewal

Travel insurance customers can renew their existing policy online before the exipry date at any time.


KNOW MORE
Single Trip Plans Annual Multi Trip Plans
Benefits
Plan Maximum (in US$)
Silver
$50,000
Silver Plus
$100,000
Gold
$250,000
Platinum
$500,000
Senior Plan
$50,000
Gold
$2,50,000
Platinum
$5,00,000
Accidental Death & Dismemberment (Common Carrier) NA 5,000 5,000 5,000 NA 5,000 5,000
Accident and Sickness Medical Expenses Reimbursement
Deductible: 100
50,000 100,000 250,000 500,000 50,000 2,50,000 5,00,000
Sickness Dental Relief 300 400 500 1,000 300 500 1,000
Emergency Medical Evacuation Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement
Repatriation of Remains Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement
Baggage Delay Benefit (After first 12 hrs) 50 100 200 500 50 100 200
Checked Baggage Loss Benefit 500 750 1,000 1,000 500 1,000 1,000
Loss of Passport
Deductible: 30
250 250 250 250 250 250 250
Personal Liability
Deductible: 200
1,00,000 1,50,000 2,00,000 5,00,000 1,00,000 2,00,000 2,00,000
Flight Delay^# NA Included Included Included NA Included Included
Hijack^^ NA Included Included Included NA Included Included
Emergency cash advance 500 750 1,000 1,500 500 1,000 1,500
Fraudulent charges (Payment card security) 500 500 1,000 2,000 - 1,000 2,000
Home Burglary (in Rs) Rs 1,00,000 Rs 1,00,000 Rs 2,00,000 Rs 2,00,000 - Rs 2,00,000 Rs 2,00,000
Trip Cancellation 500
Deductible: 50
500
Deductible: 50
750
Deductible: 75
1,000
Deductible: 100
- 750
Deductible: 75
1000
Deductible: 100
Trip Curtailment 500
Deductible: 50
500
Deductible: 50
750
Deductible: 75
1,000
Deductible: 100
- 750
Deductible: 75
1000
Deductible: 100
Missed Connection / Missed Departure 500
Deductible: 50
500
Deductible: 50
750
Deductible: 75
1,000
Deductible: 100
- 750
Deductible: 75
1000
Deductible: 100
Bounced Hotel / Airline Booking 500
Deductible: 50
500
Deductible: 50
750
Deductible: 75
1,000
Deductible: 100
- 750
Deductible: 75
1000
Deductible: 100
Note: Option of buying the policy without medical sublimits for the age above 56 years.
* Included under the benefit limit of accident and sickness medical expenses reimbursement.
# Maximum amount to be reimbursement per bag is 50% and maximum value per article contained in any bag is 10% of sum(s) insured.
^ Flight delay - Deductible of 12 hrs, $10 per 12 hours and maxium $100.
^^ Hijack - Deductible of 1 day, $100 per day and maximum $500

Senior Citizen Insurance Senior Citizen plan

TATA AIG insurance for senior citizens plan is specifically designed for older travelers above 70 years.


Know More
Multi Trip insurance Annual Multi Trip

Annual Multi Trip by TATA AIG allows the insured to travel multiple times within the coverage period of One Year.


Know More
Asia Travel Guard Asia Travel Guard

Holidays in Asian countries like Hong Kong, Singapore, Thailand...is exotic and popular with many Indians.


Know More
Plan without sub-limits Plan without sub-limits

TATA AIG travel guard insurance plan now includes comprehensive coverage even for older travelers.


Know More

TATA AIG Asia travel insurance FAQ's

What are the plan types in TATA AIG travel insurance?

TATA AIG offers two category of insurance for its customers. One is single trip travel insurance and the second category is a multi-trip travel insurance. A single trip travel insurance is an insurance cover which is valid for one trip and a multi trip travel insurance is an insurance which covers unlimited multiple overseas trips within a year with each trip duration not exceeding 30 or 45 slab days depending on the plan chosen. The available plans under single trip travel insurance are
Worldwide travel medical insurance - offering coverage up to $500,000 depending on the age of the traveler.
Worldwide excluding USA and Canada travel medical insurance - offering coverage up to $500,000 depending on the age of the traveler.
Asia excluding Japan & Korea(s) - Asia guard a short term insurance for 14 days for people traveling to Asian countries.
Domestic guard - Travel insurance for Indian citizens traveling within India.
Student guard plus - unique insurance for students who are going overseas for higher education.

Yes, TATA AIG travel insurance is a cashless travel health insurance. A stay in the hospital should be more than 24 hours for an eligible claim to be cashless. The insured has to bear the agreed deductible and the rest becomes cashless.

Some of the general exclusions of TATA AIG travel insurance are

  • Traveling against the advice of the physician.
  • Traveling overseas for obtaining treatment.
  • Any pre-existing condition or any complication arising from it.
  • Pregnancy and related issues.
  • Does not cover risks directly or indirectly associated with travel in, to, or through Afghanistan, Cuba or Democratic Republic of Congo.
  • Adventure sports and professional sports.
  • War and many more.

TATA AIG travel insurance can initially be purchased online for 180 days and can be renewed for another 180 days with good health and no claims declaration. The renewal of the policy has to approved from the head office. 70+ travelers can buy and renew the policy online within 180 days.

TATA AIG travel health insurance can be initially be purchased for maximum 180 days and later can be renewed for another 180 days. However for 70+ travelers the first policy and subsequent renewals cannot exceed 180 days.

TATA AIG overseas travel medical insurance has coverage restrictions starting from the age of 56 years and above. Below is the table of medical restrictions regardless of the plan / option purchased at the inception of the policy and its subsequent renewals, if applicable

  • Hospital Room and Board and Hospital miscellaneous - Max $1,500 per day up to 30 days whichever is less.
  • Intensive Care Unit - Max $3,000 per day up to 7 days whichever is less.
  • Surgical Treatment - Max $10,000
  • Anaesthetist Services – Up to 25% of Surgical Treatment
  • Physician's Visit - Max $75 per Day up to 10 visits
  • Diagnostic and Pre-Admission Testing - Max $500
  • Ambulance Services - Max $400
These medical sub limits can be waived off by paying an additional premium and s/he is covered up to the policy maximum.

TATA AIG travel insurance is the best Indian travel insurance for overseas travel since TATA AIG has the largest market share amongst all Indian insurance companies for international travel insurance from India. TATA AIG travel insurance the popular well known general insurance company which offers health insurance cover for you and your dear ones in overseas for different reasons. TATA AIG travel insurance takes care of your health issues when the travelers are in overseas. If offers cashless hospitalization claims benefit while visit to a doctor and pharmacy bills are reimbursed. TATA AIG has also good claims settlement ratio. It is a well-known brand in the insurance industry worldwide.

The steps to claim TATA AIG travel insurance are :
Cashless :

  • Depending on the emergency contact the assistance service provider either before admitting / after admitting the traveler to the hospital.
  • Your claim is registered. The assistance service provider will talk to the hospital where the traveler is admitted.
  • The assistance service provider will give guarantee of payment to the hospital. The traveler takes the treatment.
  • The traveler has to pay the deductible and the rest is paid by the insurance company as per policy terms and conditions.
Reimbursement :
  • Traveler takes the treatment and collects all the reports, pharmacy bills and other documents.
  • The travelers calls the assistance service provider to register a claim.
  • Submits all the documents in original to the claims department back in India.
  • The claims department verifies the submitted documents. Claim is approved or rejected.
  • If approved the claims amount after deductible will be reimbursed to the traveler.

Yes, travel insurance for USA from India is worth the cost as it covers for unforeseen emergency medical and non-medical expenses leaving you and your family to have a worry free overseas trip to USA. Nobody knows when you fall sick during your trip to USA. The cost of medical expenses is USA is very high when compared back in India. Any one illness will burden you financially. It is better to buy travel insurance in rupees and get coverage in US dollars. TATA AIG works out to be a very affordable and cheap travel insurance option when compared to US insurance company plans. TATA AIG travel insurance for USA covers you for hospitalization medical expenses, doctor visits, pharmacy bills and other medical emergencies.

You can renew the TATA AIG policy online. Fill the relevant details of the current existing policy and claims information (if any)and submit the form online. Our insurance advisors will then try to get approval based on the filled details. The policy holder will be updated on the approval or rejection of the renewal request as early as possible (maximum 1 working day). if approved the policy holder will be sent a buy url where he / she can pay online and renew his policy.

Yes you can extend your travel insurance while being abroad. Fill the TATA AIG insurance policy renewal form so that our insurance advisors will help you to renew your policy.

Below 70 year old Travel policies can initially be purchased for 6 months and can be renewed for another 6 months provided that the policy holder is in good health, no claims on the existing policy and the policy has not expired. If the policy has expired or has any claims then renewal is based on approval from the insurance head office.

However for 70+ travel policies the sum total number of policy days included subsequent renewals cannot exceed 180 days.

What does TATA AIG travel insurance cover?

  • Medical expenses coverage
    • The plan covers for medical expenses due to accident and sickness while traveling outside India.

  • Checked baggage loss
    • Reimbursement for loss of checked in baggage.


  • Baggage delay
    • Reimbursement for reasonable expenses incurred for purchase of emergency personal goods due to delay in arrival of checked in baggage while overseas.

  • Loss of Passport
    • Coverage for expenses incurred in obtaining a duplicate or new passport.

  • Personal liability
    • Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.

  • Hijacking
    • In the unfortunate event of the common carrier being hijacked, plan will pay a distress allowance.

  • Trip Delay
    • Reimbursement of additional expenses due to trip delay (only if the trip is delayed for more than 12 hours).


  • Personal Accident
    • TravelGuard gives worldwide coverage against Accidental Death and Dismemberment while abroad.

  • Sickness Dental Relief
    • The policy pays for immediate dental treatment occurring due to sudden acute pain during an overseas insured journey. Dental benefits will be provided for medically necessary filling of the tooth or surgical treatment, services, or supplies.

Find out more about TATA AIG Travelguard insurance

TATA AIG FAQ

Travel Insurance FAQ's

Answers to FAQ related to TATA AIG Travel Medical Insurance for visitors from India.


Know more »
NRIOL testimonial ratings

International Travel Insurance Reviews

TATA AIG Travel Insurance Reviews - Customer experiences and testimonials.

Know more »
Travel destinations

Travel destinations

TATA AIG travel insurance for popular travel destinations.



Know more »
Customer Care

Customer Care

TATA AIG Travel insurance customer care information for Indians travelling overseas.


Know more »

Resourceful TATA travel insurance links

Overseas
Overseas Travel Medical Insurance

TATA AIG Travel insurance for Indians traveling overseas.

Know more »
Annual Multitrip
Annual Multitrip Insurance

Business travelers making multiple trips overseas annually can buy the annual multi trip travel insurancer.

Know more »
Asia
Travel Asia Insurance

TATA AIG Travel Care insurance for Indians going to other Asian countries.

Know more »
Senior Citizen
Senior Citizen Travel Insurance

Senior travelers up to the age of 90 years can opt for TATA AIG Travel insurance coverage.

Know more »
Schengen visa
Schengen Visa Insurance

Applying for Schengen visa? Then this TATA AIG Schengen insurance is a good option to go for!

Know more »
TATA AIG domestic travel insurance
Domestic Travel Insurance

Compare and buy TATA AIG domestic travel insurance.

Know more »

Search TATA AIG travel insurance

Thank you team for setting these claims so quickly. Indeed Kudos to you particularly & to Tata AIG for having such motivated people like you to serve them & as befitting to all Tata Companies known for the highest ethical standards. I am prompted to sing hosannas in the name of Tatas as I myself served from 1959 till my retirement from Tata Steel in 1996 & we are all guided by J N Tata's ideals translated into actual practice. May you and your fellow colleagues continue to practice this ideal.
- Krishnamachari
TATA AIG CITATION

Mr. Vikas Bagai, Head Travel Services at Tata AIG says "NRIOL has been one of our key partners in India for the past 14 years and has been pivotal in providing Tata AIG customers an opportunity to purchase their TATA AIG Travel insurance online".

COVID-19
Travel Insurance
Welcome to NRIOL Indian Insurance  - Online Chat
Name is required
Email is required Email is invalid
Contact is required
logo

NRIOL.COM, the premier online community since 1997 for the Non Resident Indians. NRIOL provides a range of resourceful services for immigrants and visitors in the US, the UK, UAE, Australia and other nations with large NRI communities.

CONTACT

NRI Online Pvt. Ltd.

Phone: +91-80-41101026

Email:

Estd. 1997 © Copyright NRI Online Pvt. Ltd. All rights reserved worldwide.