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 MORETravelers who have already traveled from India and do not have insurance can buy TATA AIG travel insurance online.
Calculate the international travel insurance premium for Indian travelers and senior citizens travelling overseas
In case of Claim or reimbursement of treatment expenses, notify TATA AIG overseas travel insurance.
Travel insurance customers can renew their existing policy online before the exipry date at any time.
Tata AIG coronavirus overseas travel insurance offers covid 19 coverage. COVID related expensed are covered up to the chosen sum insured.
If the insured is hospitalized for more than 24 hours in one of the preferred network of hospitals, AIG IS or ISOS will offer cashless hospitalization by paying 100% of the claim amount to the hospitalization ((subject to deductibles under the policy conditions). This is applicable for Inpatient expenses provided the same is admissible under the policy.
Based on the underwriter approval, the traveler can buy Tata AIG travel insurance after leaving India. Fill the traveler already outside India form with the requested details and we will try getting an approval for you to buy overseas travel insurance while you are away from your home country.
As the Schengen consular, a foreign travelers needs to have medical insurance before applying for visa. The travel medical insurance must have a maximum coverage of atleast 30,000 Euros or the equivalent of $50,000 to cover medical expenses arising from sudden injury or illness. The travel insurance must also offers coverage for emergency medical evacuation and repatriation.
Tata AIG travel insurance offers coverage for travelers of any age group up to the age of 99 years. Therefore the maximum entry age to buy overseas travel insurance from Tata AIG is 99 years.
Yes some travel insurance offer coverage for pre-existing conditions under life threatening situations. As travel insurance is designed to cover sudden expenses from sickness while travelling, if a traveler has reached a life threatening condition. The travel insurance will pay only till the insured has become medically stable from the pre-existing conditions. Tata AIG travel insurance will reimburse up to $1,500 for which the travelers have spent while receiving treatment of pre-existing illness under life threatening when they were in a foreign country.
Yes some travel insurance offer coverage for pre-existing conditions under life threatening situations. As travel insurance is designed to cover sudden expenses from sickness while travelling, if a traveler has reached a life threatening condition. The travel insurance will pay only till the insured has become medically stable from the pre-existing conditions. Tata AIG travel insurance will reimburse up to $1,500 for which the travelers have spent while receiving treatment of pre-existing illness under life threatening when they were in a foreign country.
Yes, you can renew TATA AIG travel insurance online. Tata AIG overseas travel insurance renewal is based on good health, no claims and approval from the underwriting team
For single trip insurance free look period is not applicable. However for annual multi trips you have 15 days’ time from the date of receipt of the policy document to review the policy terms and conditions of the policy provided that trip has not been commenced.
You can cancel the policy after the policy has started on a condition that you have not traveled overseas during the policy tenure and have to provide a proof supporting your claim of cancellation.
Once you fill the online application and complete the purchase successfully. The e-copy of the policy will be sent to your email-id provided in the online application form where you can download TATA AIG travel insurance.
Benefits Plan Maximum (in US$) |
Silver $50,000 |
Silver Plus $100,000 |
Gold $250,000 |
Platinum $500,000 |
Senior Plan $50,000 |
Accidental Death & Dismemberment (Common Carrier) | NA | 5,000 | 5,000 | 5,000 | NA |
Accident and Sickness Medical Expenses Reimbursement Deductible: 100 |
50,000 | 100,000 | 250,000 | 500,000 | 50,000 |
Sickness Dental Relief | 300 | 400 | 500 | 1,000 | 300 |
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 |
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 |
Baggage Delay Benefit (After first 12 hrs) | 50 | 100 | 200 | 500 | 50 |
Checked Baggage Loss Benefit | 500 | 750 | 1,000 | 1,000 | 500 |
Loss of Passport Deductible: 30 |
250 | 250 | 250 | 250 | 250 |
Personal Liability Deductible: 200 |
1,00,000 | 1,50,000 | 2,00,000 | 5,00,000 | 1,00,000 |
Flight Delay^# | NA | Included | Included | Included | NA |
Hijack^^ | NA | Included | Included | Included | NA |
Emergency cash advance | 500 | 750 | 1,000 | 1,500 | 500 |
Fraudulent charges (Payment card security) | 500 | 500 | 1,000 | 2,000 | - |
Home Burglary (in Rs) | Rs 1,00,000 | Rs 1,00,000 | Rs 2,00,000 | Rs 2,00,000 | - |
Trip Cancellation | 500 Deductible: 50 |
500 Deductible: 50 |
750 Deductible: 75 |
1,000 Deductible: 100 |
- |
Trip Curtailment | 500 Deductible: 50 |
500 Deductible: 50 |
750 Deductible: 75 |
1,000 Deductible: 100 |
- |
Missed Connection / Missed Departure | 500 Deductible: 50 |
500 Deductible: 50 |
750 Deductible: 75 |
1,000 Deductible: 100 |
- |
Bounced Hotel / Airline Booking | 500 Deductible: 50 |
500 Deductible: 50 |
750 Deductible: 75 |
1,000 Deductible: 100 |
- |
International travel insurance Sub Limits - The following medical sub limits are applicable for travelers older than 56 years. However these sublimits are not applicable for plans 'WITHOUT SUBLIMIT'
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LIMITATIONS (Applicable for all plans / coverages) |
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It is important to buy overseas travel insurance before you leave India. Travellers may often think they are healthy and strong and nothing untoward will happen and hence do not need overseas travel insurance? However emergencies like sudden sickness or accidents can happen anytime and if you are not prepared for it, can result in a huge financial burden. We get queries from customers who are already hospitalized, but unfortunately travel insurance will not cover these expenses. Travel insurance covers unexpected and sudden medical emergencies and Indian overseas travelers need to buy the visitor travel insurance before you actually need it! It is best to buy insurance that will cover your completed journey till you return to India. Sometimes you may not be sure of your travel dates, in which case you can buy for the initial duration and request an extension of coverage later. Travel insurance coverage can begin as early as the following day. Therefore if you have policies that expire or you change your travel plans like extending your trip, be aware of the dates to make sure you are always covered under international travel insurance.
Travelling overseas involves a lot of arrangements like flight bookings, hotel reservations, cruise bookings and other reservations. Some travel insurance plans offer coverage for trip cancellation to protect trip investment expenses.
It is always safe to buy international travel insurance online to protect your health and trip expenses and to secure yourself from travel risks and medical emergencies while travelling overseas.
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.
Yes TATA AIG travel health insurance policies cover outpatient medical expenses after the specified deductible. This might include doctor fees, prescribed medical tests and doctor prescribed medicines. Initially the insured has to bear all the medical expenses and claim for reimbursement later.
Some of the key features of TATA AIG travel guard insurance are as below.
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".