TATA AIG Travel & Student insurance renewal form

TATA AIG travel insurance coverage for Covid19

The TATA AIG Travel Guard travel insurance offered by Tata AIG General Insurance Company Ltd offers coverage for medical expenses related to COVID19. 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.

Covid insurance for international travel »

Tata Aig Renewal / Extension of the policy

Tata AIG offers a travel insurance renewal or extension option for policyholders who wish to extend their coverage beyond the original policy period. Generally policyholders having Tata AIG travel guard insurance can renew or extend the policy if their stay in overseas gets extended. Tata AIG annual multi trip policies can be extended for another year while single trip policies can be extended up to 360 days depending on the age of the traveller, while Asia guard is not renewable.

When you renew or extend your travel insurance policy, the coverage remains the same as the original policy. The policy can be extended before it gets expired. If the gets expired, still you want to renew the policy, however any claims during the period after the policy expiry till you renew the policy are not covered. Tata AIG policy renewal for travel insurance is based on approval basis from the Tata AIG head office. Please get in touch with our insurance advisors to know the latest terms and conditions of renewal and documents required to get your policy renewed.

Are there any limitations for Tata AIG travel guard policy extension?

Yes there are few limitations for Tata AIG travel guard policy extension.

• For travellers up to 70 years of age, the sum total of first policy and subsequent renewals cannot be more than 360 days.
• For travellers with age 70+ and above, the sum total of first policy and subsequent renewals cannot be more than 180 days.
• You cannot change the plan during the renewal. Means you have to renew the same plan which you are first covered with.
• Travel guard policies can be renewed while Asia guard policies cannot be renewed.
• You can request for extension of policy 7 days before the expiry of the current policy.
• You can also request for extension of the policy post expiry of the policy.
• Approval of renewals is based on good health and no claim declaration.