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TATA AIG Annual Multitrip Travel Insurance

Buy Multitrip corporate travel insurance for business travelers

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TATA AIG Annual MultiTrip

Please read through TATA AIG travel insurance brochure from TATA AIG for its policy wordings which explains the terms and conditions and plan benefits. The premium can be computed using our user friendly TATA AIG multi-trip insurance premium chart. You can renew/extend the plan using TATA AIG travel insurance extension on expiry. To buy travel insurance for your frequent travels you can also complete the online TATA AIG Travelguard annual multi trip proposal form.

TATA AIG Multitrip Travel Insurance Review

Sum Insured

USD 250,000/ 500,000

Tenure Options

1 year (Can be renewed every year)

Age of Entry

19 years to 70 years

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 »

Does TATA AIG travel insurance cover Covid19?

Yes, TATA AIG travel insurance covers Covid19, if the traveler tests positive for Covid19 and has to receive medical treatment while traveling outside India. Medical expenses for Covid19 including hospitalisation will be covered as part of the eligible accident and sickness medical expenses.

If there are expenses incurred by the traveler for cancelling non-refundable hotel or ticket costs due to a positive covid diagnosis while the traveler is outside India, these expenses will be reimbursed as part of trip cancellation expenses. To be eligible, these non-refundable expenses should be incurred before testing positive for Covid.

TATA AIG student travel insurance

No medical check up

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TATA AIG travel insurance 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.


TATA AIG Annual Multitrip travel insurance

International corporate travelers who travel overseas often on work should be properly insured to cover medical expenses in case they fall sick or meet with an accident while outside India. Tata AIG has designed international annual multi trip insurance for businessmen and corporate professionals who are frequent travelers. The TATA AIG Annual Multi-trip insurance allows customers to travel outside India, anywhere in the world, any number of times during the annual coverage period. However each trip period has to be limited to either 30 days or to 45 days depending on the plan chosen by the customer.

The TATA AIG Annual Multi-trip insurance allows customers to travel outside India, anywhere in the world, any number of times during the annual coverage period. However each trip has to be limited to either 30 days or to 45 days depending on the plan chosen by the customer.

There are Two annual multi-trip plans available (for both the 30 and 45 day trip options):

  • TATA AIG Annual Multi-trip - Gold - Maximum medical coverage of $250,000
  • TATA AIG Travel Guard Annual Platinum - Maximum medical coverage of $500,000
group insurance
Large group of corporate travellers taking multiple trips can get international annual multi trip insurance coverage:
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TATA AIG Multitrip travel insurance - Useful links

buy TATA AIG travel insurance How to buy TATA AIG insurance?

You can buy Annual Multitrip insurance 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 annual multitrip travel insurance online.

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

Calculate the TATA AIG 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 travel insurance Brochure TATA AIG Annual travel insurance brochure

Download TATA AIG Annual Multitrip insurance 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 Annual Multitrip travel insurance plan details

  • Accident & Sickness medical Expenses Reimbursement Gold: $250,000
    Platinum: $500,000
    Accidental Death and Dismemberment Benefit(24 Hrs) Gold: $15,000
    Platinum: $25,000
    Accidental Death and Dismemberment Benefit(Common Carrier) Gold: $5,000
    Platinum: $5,000
    Sickness Dental Relief Gold: $500
    Platinum: $1000
    Emergency Medical Evacuation Gold: Included under Accident and Sickness Medical Expenses Reimbursement
    Platinum: Included under Accident and Sickness Medical Expenses Reimbursement
    Repatriation of Remains Gold: Included under Accident and Sickness Medical Expenses Reimbursement
    Platinum: Included under Accident and Sickness Medical Expenses Reimbursement
    Baggage Delay Benefit (After first 12 hrs Only) Gold: $100
    Platinum: $200
    Checked Baggage Loss Benefit # Gold: $1,000
    Platinum: $1,000
    Loss of Passport Gold: $250
    Platinum: $250
    Personal Liability Gold: $200,000
    Platinum: $200,000
    Flight Delay Gold: Included
    Platinum: Included
    Hijack Gold: Deductible of 1 day, $100 per day & maximum $500
    Platinum: Deductible of 1 day, $100 per day & maximum $500
    Home Burglary Gold: Rs. 2 Lakhs
    Platinum: Rs. 2 Lakhs
    Emergency Cash Advance Gold: $1,000
    Platinum: $1,500
    Fraudulent Charges (Payment Card Security) Gold: $1,000
    Platinum: $2,000
    Trip Cancellation Gold: $750 (Deductible $75)
    Platinum: $750 (Deductible $75)
    Trip Curtailment Gold: $750 (Deductible $75)
    Platinum: $1000 (Deductible $100)
    Missed Connection / Missed Departure Gold: $750 (Deductible 75)
    Platinum: $1000 (Deductible 100)
    Bounced Hotel / Airline booking Gold: $750 (Deductible 75)
    Platinum: $1000 (Deductible 100)

    * Included under the benefit limit of Accident and Sickness Medical Expenses Reimbursement

    # Maximum amount to be reimbursed per bag is 50% and maximum value per article contained in any bag is 10% of sum(s) insured

    Sub Limits - The following medical sub limits are applicable for travelers older than 56 years. However these medical sublimits are not applicable for plans 'WITHOUT SUBLIMIT'

    Coverage Benefits
    Hospital Room and Board and Hospital miscellaneous Max $1,500 per day upto 30 days whichever is less.
    Surgical Treatment Max $10,000
    Anesthetist Services Upto 25% of Surgical Treatment
    Physician’s Visit Max $75 per Day upto 10 visits
    Diagnostic and Pre-Admission Testing Max $500
    Ambulance Services Max $400
    1. Medical Services provider referral
    2. Arrangement of hospital admissions
    3. Lost luggage assistance
    4. Emergency Travel Services
    5. Embassy referral services
    6. Claims procedure information services
  • You are not covered if any expenses incurred directly or indirectly in respect of:

    • Traveling against the advice of a Physician
    • For obtaining treatment
    • Pre-existing ailments& complications arising out of them
    • Suicide or attempted suicide
    • War
    • Terrorism
    • Illegal Acts
    • Dangerous Sports etc.

    For other exclusions please refer to the policy wordings.

  • Credit Card

    Credit card purchase procedure

    You can purchase the policy online using a credit card from anywhere in the globe. Most of our customers purchase the policy from the United States, U.K , Australia, etc.. for parents or family members who are visiting from India. Customers can use international credit cards for purchasing. On completing the application and purchase using a credit card, you will receive an immediate acknowledgement of purchase. Within 24 to 48 hours, the insurance policy will be issued and emailed to the email ID provided in the application. The policy will also be couriered to the Indian address in the application.


    Cheque payment purchase

    For customers who do not want to use the online facility, payment can be made by cheques. Please email us for details.

    Call us at 080-41101026 in India. Our Insurance Advisor will assist you and with our Advisor's guidance, you can choose the level of cover you require. This policy is available to Indian residents only.


    Other payment options include

    • Cash Cards - ItZ cash, Pay Cash
    • Mobile Payments - Paymate, IMPS , Scan N Pay
    • Wallet - Paytm, Mobikwik, Oxigen wallet, Freecharge, Jio Money etc ...
    • UPI - Unified Payment Interface
    Note: To ensure quality health care in America, TATA AIG has partnered with UnitedHealth Group, one of the leading Health Care providers in the United States. This gives our customers access to United Healthcare network of hospitals and physicians in USA.

TATA AIG Annual Mutltrip travel insurance FAQ's

How can I renew my TATA AIG travel policy? How do I extend my TATA AIG travel insurance?

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.

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.


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


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


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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".