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Tata AIG overseas travel insurance

Tata AIG offers best comprehensive health insurance for Indian travelers, parents, senior citizens travelling overseas. It offers coverage for unexpected accidental injuries, sudden illness, baggage loss, baggage delay, passport loss, trip delay etc while traveling outside India.
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TATA AIG international travel medical insurance

  • About Tata AIG Insurance

    Tata AIG insurance company is an Indian General insurance company that is a joint venture of American International Group and Tata Group.

    American International group is a US based company a leading health insurance company and is quite popular in the US.

    AIG hold 49% stake in the joint venture while Tata group holds 51%. TATA AIG has been offering a wide range of insurance products to individuals and businesses over the past 18 years.

    It offers a wide range of comprehensive insurance for medical expenses, personal accidents, marine cargo, travel expenses, liability... It is popularly known for its fast claims settlement and global assistance services.

    India travel insurance links, TATA AIG international health insurance

    buy TATA AIG travel insurance
    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

    TATA AIG traveler outside India
    Traveler outside India

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

    TATA AIG travel insurance premium chart
    TATA AIG Travel Guard premium chart

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

    TATA AIG travel insurance claims
    TATA AIG insurance claims

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

    TATA AIG student travel insurance Brochure
    TATA AIG travel insurance brochure

    Download TATA AIG Travel Guard brochure online!

    TATA AIG travel plan renewal
    TATA AIG travel insurance renewal

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

    TATA AIG Overseas travel medical insurance

    Thanks to the increasing affluence of the Indian middle class, low cost air carriers and easy access to information on smartphones, Indians are traveling overseas like never before. An estimated 15 million Indians traveled internationally in 2016, and the figure is expected to reach 50 million by 2020.

    International travel is for different reasons, most commonly for recreation, business and for visiting family in different countries. No matter why you travel overseas, exposure to an alien lifestyle, culture, cuisine or a foreign location, they all involve some health risk, in particular for older travellers.

    Accidents, Sudden illness, Baggage loss, Baggage delay, Passport loss, trip delay etc are some of the unanticipated incidents that may curtail your travel plan. You may consider international travel insurance as an extra expenditure but it is very essential to avoid financial disaster during an emergency.

    TATA AIG General insurance has designed an unique tata aig international travel health insurance plan called TATA AIG Travel Guard insurance that covers you during emergencies that are 'sudden and accidental'.

    You can review the full TATA AIG Travel Guard benefits as well as get the complete quotes using the TATA AIG travel insurance premium chart. You can also complete an online TATA AIG Travel Guard proposal form as well as renew/extend the plan using TATA AIG travel insurance extension on expiry.

    NRIOL is an authorized partner with TATA AIG since 2004, with more than a Lakh and growing satisfied customers so far. You can buy TATA AIG International Travel insurance online either using our Credit Card purchase, Net banking or Cheque payment facility within NRIOL.

    TATA AIG overseas visitors medical insurance also satisfies Schengen visa requirements. Please use the TATA AIG travel insurance brochure download feature for the detailed benefits of the plan and its policy wordings which explains the terms and conditions.

    In the US, TATA AIG works with United Healthcare travel insurance network provider to help TATA AIG travel insurance for USA visitors get access to the best quality healthcare hospitals and doctors.

    There are no sub-limits for travelers up to the age of 56 years. For travelers older than 56 years, there are two plan options, a cheaper plan with sub-limits and a second TATA AIG Travel Guard insurance without sub-limits.

    For travelers less than 70 years, you can get a medical maximum coverage ranging from USD 50,000/- up to USD 500,000/-.

    For travelers older than 70 years, the coverage is limited to USD 50,000.

    TataAIG travel insurance policy also provides coverage for pre existing ailments under life threatening conditions up to USD 1,500.

    TATA AIG health insurance for travel abroad

    • TATA AIG’s Travel Guard health insurance offers best visitor medical insurance coverage while traveling outside India.
    • Tata AIG partnered with United Healthcare Visitor Insurance, the leading Health Care Network provider in the USA offers travel health insurance for USA to Indian tourists.
    • Tata AIG insurance for health overseas covers expenses from personal accidents, emergency hospitalization, baggage loss, baggage delay and loss of passport.
    • Worldwide coverage with emergency assistance services
    • TATA AIG visitor health insurance for senior citizens is available up to 99 years without sublimits.
    • Tata AIG international travel insurance offers cashless hospitalization (subject to initial deductible amount) in preferred network of hospitalization.

    TATA AIG India travel insurance - FAQ's

    Does Tata AIG international travel insurance cover Covid19 illness?

    Tata AIG coronavirus overseas travel insurance offers Covid19 coverage. COVID related expensed are covered up to the chosen sum insured.

    Yes Tata AIG travel health insurance offers cashless settlement for expenses incurred from hospitalization for more than 24 hours provided the coverage is admissible under policy terms and conditions.

    The hospital must be in the preferred network. AIG IS or ISOS will offer cashless settlement by paying 100% of the claim amount to the hospital which is subject to deductibles under the plan conditions.

    There are two ways in which a claim can be made.

    Under emergency conditions:
    • After hospital admission, the insured must submit the policy schedule to the hospital.
    • Within four hours the insured must register with AIG IS / AIG Travel Assist / United Healthcare.
    • After verification and processing that the claim falls within the scope of the policy, the Assistance Company will take necessary steps for Guarantee of Payment (GOP) and subsequent settlement of bills.
    • The insured has to pay only the deductible amount as per the policy conditions.
    Planned hospitalization:
    • Within four hours the insured must register with AIG IS / AIG Travel Assist / United Healthcare .
    • After verification and processing that the claim falls within the scope of the policy, the Assistance Company will take necessary steps for Guarantee of Payment (GOP) and subsequent settlement of bills.
    • The insured has to pay only the deductible amount as per the policy conditions.

    We will refund the full premium with a cancellation fee for TATA AIG travel medical insurance trip cancellation if the traveler cancels his trip and does not travel outside India.

    The cost of travel insurance depends on different factors like the age of the traveler, travel duration, coverage required, destinations, extra or special coverage needed.

    • Age of the traveler: Travel insurance for senior citizen is more expensive than for younger travelers as the risk involved in covering older travelers is extremely high as they are more prone to emergency sickness and accidents.
    • Travel Duration: The cost of travel insurance increases in price depending on the number of travel days.
    • Destinations: Coverage in countries like US, Canada… where health care while sophisticated is also expensive. Travelers insurance cost in these countries is more when compared to countries in Asia.
    • Travel insurance maximum: The higher the medical maximum coverage required the greater is the premium for the insurance plan.
    • Sublimits: The cost of travel insurance with sublimits would be less than that of travel insurance without sublimits. Travel insurance without sublimits offer comprehensive coverage without have any specific limits on the medical expenses up to plan maximum. Whereas Travel insurance with sublimits would have defined limits on specific medical expenses.

    The traveler can buy Tata AIG travel medical insurance after leaving India after the approval from the underwriter. Complete the traveler already outside India form and send it to us.

    We will try getting an approval for you to buy overseas travel insurance while you are away from your home country.

    Tata AIG overseas 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.

    Senior citizens or olders travelers are eligible to buy Tata AIG travel health insurance up to the age of 99 years.

    More than half of Indian international travelers travel to the United States. Many of them are either visiting family members or pursuing their education there. While the US is a health place to visit, it can be a financially crippling situation if forced to visit an US hospital, especially without any India to US travel insurance.

    In this context, TataAIG travel insurance works as the best travel insurance for USA from India. For one, the India to USA travel insurance is usually cheaper when compared to buying an US policy, since Indian customers pay the premium is in Indian Rupees while the coverage is in US Dollars.

    More importantly TATA AIG being an collaboration between the renowned Indian Tata Group and American International Group makes it the most reputed Indian insurance entity globally. The TATA AIG travel health insurance USA works well particularly for the US since US customer are dealing directly with US customer support at Houston, Texas.

    The AIG travel assist works with the largest network of hospitals in the US making it very convenient for Indian travelers while in the US. In essence this is indeed the best health insurance for visitors to USA from India.

    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.

    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.

    TATA AIG travel insurance policies are issued soon after the online transaction is completed. If you have any questions after receiving your policy or if there you have received your policy, please contact our customer service team at 080-41101026.

    Your travel insurance claim will be settled according to the policy terms and conditions. Claims against your travel insurance policy can be denied for a variety of circumstances which do not satisfy the claims conditions and if this occurs, you will be clearly informed of the reason for denting your travel insurance claim.

    If you extend your travel while outside India, you may be eligible for extending your travel insurance coverage. Please complete this travel insurance extension from, and we will try to get approval from your travel insurance company to extend your policy.

    TATA AIG travel insurance India

    Senior Citizen Insurance

    Senior Citizen plan

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

    Multi Trip insurance

    TATA AIG Annual Multi Trip

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

    Asia Travel Guard

    TATA AIG Asia Travel Guard

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

    Plan without sub-limits

    Plan without sub-limits

    TATA AIG Travel Guard insurance plan now includes comprehensive coverage even for older travelers.

    The TATA overseas travel insurance plan can be purchased while applying for the Schengen visa.

    The Schengen visa insurance requirements are :

    The common Schengen visa is valid for the following countries: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland. Travelers should buy the following TATA AIG schengen visa travel insurance plans.

    TATA AIG Schengen visa health insurance

    Travelers aged 6 months – 55 years:
    1. Silver Plan - $50,000
    2. Silver Plus Plan - $100,000
    3. Gold Plan - $250,000
    4. Platinum Plan - $500,000
    Travelers aged 56 years – 70 years:
    1. Silver Plan without sublimits - $50,000
    2. Silver Plus Plan without sublimits - $100,000
    3. Gold Plan without sublimits - $250,000
    4. Platinum Plan without sublimits - $500,000
    Senior travelers aged 70+ years:
    1. Senior Plan without sublimits - $50,000

    TATA AIG Overseas travel insurance benefits

    Coverage for Medical Expenses

    It takes care of your medical expenses due to accident & sickness while travelling so that you can stay peaceful.

    Checked baggage loss

    Reimbursement for loss of checked in baggage.

    Baggage delay

    Compensation for reasonable expenses incurred for purchase of emergency personal belongings in case baggage is delayed.

    Loss of Passport

    Compensation for expenses incurred in obtaining a duplicate or new passport.

    Personal Liability

    In case of death, bodily injury or damage to property caused involuntarily by the insured, then compensation for damages will be paid to a third party.

    Trip Delay

    Reimbursement of additional expenses occurred due to trip delay (only if the trip has been delayed for more than 12 hours).

    Personal Accident

    TATA AIG Travel Guard gives worldwide coverage against Accidental Death and Dismemberment while abroad.

    Sickness and Dental Relief

    The policy pays for immediate Dental Treatment occurring due to sudden acute pain during the course of an overseas Insured Journey. Dental benefits will be provided for Medically Necessary filling of the tooth or surgical treatment, services, or supplies.

    Pre-existing condition coverage

    TATA AIG travel insurance Pre-existing condition coverage provides $1500 in case of life threatening situation.



  • Studying abroad is an opportunity twice over. You can learn in the college of your choice, and use free time exploring new lands, new cultures. But remember, with this opportunity comes the risk of an accident or loss of sponsorship. Tata AIG's Student Guard plan is designed for people travelling abroad for studies.


    Please refer the TATA AIG student health insurance brochure for the benefits covered by the plan and its policy wordings which explains the terms and conditions. TATA AIG Student Online Renewal can be done easily and quickly by send us a request with the old policy number and expiry date. Know more »


    Student Outside India? Universities List


TATA AIG travel insurance customer reviews

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 Covid19 travel insurance

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.

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 overseas mediclaim policy exclusions

The insured is not covered if any expenses incurred directly or indirectly in case of travelling against the advice of a physician for obtaining treatment. Suicide or attempted suicide, War, Terrorism, Illegal Acts, Dangerous Sports etc are excluded from Travel Guard coverage.

TATA AIG international travel insurance has two policies for travelers above the age of 56, there is a cheaper plan but with certain Sub Limits, and another more expensive TATA AIG Travel Guard insurance without sub-limits.

For more TATA AIG visitor health insurance exclusion details please refer to the TATA AIG Travel Policy Wordings.

TATA AIG travel insurance claims & assistance

24 hour tata aig travel insurance contact number

For the America's (USA,Canada .. )

1-866-866-2619 (Toll free within US & Canada)
1-817-826-7017 (reverse charge / collect from other places)
Fax : 713-953-7506
Email: tata.aig@aig.com

For rest of the world policies excluding the Americas:

Phone: +603-2118-0782 or +603-2118-0784 (toll worldwide)
E-mail (Assistance): TGAP.TATAmedical@travelguard.com
E-mail (claims): TGAP.TATAclaims@travelguard.com

Address for submission of documents:

Claims Department,
Tata AIG General Insurance Company Limited.
A-501, 5th Floor, Building No.4, Infinity Park, Gen. A.K. Vaidya Marg, Dindoshi, Malad (East), Mumbai, India - 400097.

US medical claims

Mail medical claims to: HYGEIA
Travel Guard Attn: Tata Aig Claims, PI Box 8003, Stevens Point, WI 54481
United health Group Company / The First Health Network.

HYGIA First Health Network PHCS

Travel insurance from TATA AIG

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.


Loss of Passport

Coverage for expenses incurred in obtaining a duplicate or new passport.


Sickness Dental Relief

The policy pays for immediate dental treatment occurring due to sudden acute pain during an overseas insured journey.


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

Travel Guard gives worldwide coverage against Accidental Death and Dismemberment while abroad.


Baggage delay

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

Find out more about TATA AIG Travel Guard insurance

faq

Travel insurance FAQ's

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

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TATA AIG Travel Insurance Reviews - Customer experiences and testimonials.

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

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Overseas Travel Medical Insurance

TATA AIG travel insurance for Indians traveling overseas.

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Annual Multitrip
Annual Multitrip Insurance

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

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Asia
Travel Asia Insurance

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

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Senior citizen travel insurance
Senior Citizen Travel Insurance

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

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europe travel insurance
Schengen Visa Insurance

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

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Domestic travel insurance
Domestic Travel Insurance

Compare and buy TATA AIG domestic travel insurance.

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Travel health insurance from TATA AIG

You can find different sections of insurance types here.

  • Get best quotes for travel insurance for over 80 years old
  • Pre-existing coverage travel insurance
  • Parents travel insurance
  • Individual travel insurance
Travel insurance India senior citizens

Seniors above 80 years

TATA AIG overseas insurance for older travelers above 80 years.

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Pre-existing coverage insurance

Pre-existing coverage

TATA AIG travel insurance for pre-existing conditions.

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Parents Travel insurance

Parents travel insurance

International travel insurance for Indian parents overseas.

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overseas travel insurance

Individual travel insurance

TATA AIG overseas travel insurance online

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Do you need domestic travel insurance?

domestic travel insurance

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TATA AIG CITATION

Mr. Jaideep Deorukhkar, Head Travel Services at Tata AIG says "NRIOL has been one of our key partners in India for the past 16 years and has been pivotal in providing Tata AIG customers an opportunity to purchase their TATA AIG travel insurance online".

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