TATA AIG student travel insurance TATA AIG travel insurance for Canada from India

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Tata AIG Travel Insurance

Travel insurance for Indian tourists visiting Canada

The large Indian expatriate community in Canada which is often referred as the 'East Indian' community to distinguish it from the Native American Indian communities is close to 1.5 million strong, which makes it almost 3.5% of the Canadian total population. This is a very successful community, and have made its presence felt in all facets of Canadian society. The Canadian cabinet in fact is well represented by the East Indian community. While this community is visible across the country, it is most concentrated in the two ends of the country, specifically in provinces of Ontario and British Columbia and within these provinces in the cities of Toronto and Vancouver.

What is endearing about the Canadian Indian community is that along with its visible success, it continues to retain and strengthen ties with India. One visible result of this relationship is the frequent travel by parents, in-laws, grand-parents and other family members from India who often travel to Canada for extended durations to be with children and grand-children.

A word of caution to these Indian travellers is the need for good visitor medical insurance while outside India. The Indian health insurance policy will not provide any coverage while in Canada, and Canadian medical care is expensive for international visitors who are not permanent residents of Canada. Compare and buy best travel insurance for Canada from India.

Canada insurance

key features of Canada travel insurance from India

Covers for emergency medical and non medical expenses in Canada
Pre-existing diseases cover under life threatening situations
Hosptalization medical expenses and doctor visits are covered
Flight delay, baggage loss, baggage delay, personal belongings loss covered
Up to USD $10 lakhs health insurance cover
Missed flight, trip cancellation, bounced hotel or airline booking covered

TATA AIG international travel insurance highlights

Sum Insured

USD 50,000 / 1 Lakh / 2.5 Lakhs / 5 Lakhs / 7.5 Lakhs / 10 Lakhs

Coverage period

360 days

Eligibility

90 days to 99 years

TATA AIG travel insurance renewal while outside India

Indian travelers who want to extend or renew TATA AIG travel insurance can complete the TATA AIG international travel insurance renewal request form online and we will try to get an approval for you.

The following documents are required for extending/renewing the policy:

  1. Filled & signed Good health declaration
  2. Passport (first and last page & stamp page of the departure)
  3. Air ticket copy of onward journey (traveled from India to overseas)

Factors for buying Indian travel insurance for Canada

The following are the important factors to consider while buying TATA AIG travel insurance Canada from India:

  1. Frequency of travel: If you are a corporate traveler or business man traveling overseas frequently, you might want to buy an annual multi-trip insurance plan, which insures you for several trips during the year. Fore a leisure traveler on an occasional vacation outside India, the single trip travel insurance is appropriate.
  2. Medical coverage required: Travelers should choose between the different TATA AIG travel insurance from India to Canada plans available based on the maximum sum limit coverage. The higher the medical maximum coverage, the greater will be the overall benefits offered by the plan.
  3. Sub-limits vs No Sub-limits: For travelers over 56 years, TATA AIG has limited on each coverage benefit under the plan with sub-limits. While these plans are cheaper, they do have limitations if one is hospitalised and has large medical expenses. For older travelers, it is recommended to buy seniors travel insurance Canada without these sub-limits, which even if more expensive, provide comprehensive coverage and is very important as healthcare is very expensive in Europe and the United States.

What is the cost of TATA AIG travel insurance to visit Canada?

The cost of TATA AIG travel medical insurance for visitors to Canada from India depends on the following factors:
  • Age of the traveler
    The older the traveler the higher the cost of travel insurance online Canada.
  • Length of travel
    The cost of travel insurance for visitors to Canada from India increases with the duration of insurance coverage required.
  • Travel Destination
    The cost of travel insurance from India varies with the destination. The United States is most expensive, followed by Europe. The cost within Asia and India is the cheapest.
  • Sum limit of insurance
    The higher the Accident and Sickness maximum limit, the higher the cost of insurance. The options range from $50,000 to $1,000,000.
  • Sub-limits vs No Sub-limits
    This is applicable for travelers over 56 years. No Sub-limit plans provide comprehensive coverage and are more expensive.

What are the main benefits of TATA AIG travel insurance from India?

A highlight of some of the main coverage benefits are listed here. Full details are available in the policy document
Medical Expenses - Injury and or Illness
Unlimited Sum Insured from $50,000 to $10 Lakhs USD per incident/loss, arising out of the same illness/injury.
Pre Existing Disease cover
Pre-existing diseases covered maximum liability up to $20,000 for under life threatening situation.
Emergency Medical evacuation
This is included in Medical Expenses - Injury and or Illness
Repatriation of Remains
25% of sum insured (This is included in Medical Expenses - Injury and or Illness)
Baggage delay
Upto $500
Checked Baggage loss
Upto $500
Accidental Death and Dismemberment (24 Hours)
From $10,000 to $25,000
Accidental Death and Dismemberment (Common Carrier)
Upto $5,000
Loss of Passport
From $250 Upto $500
Personal Liability
Upto $500,000
Flight delay (After 12 hours)
Upto $50
Hijack
Maximum Up to $500
Emergency cash advance
From $500 to $1500
Fraudulent charges (Payment card Security)
From $500 to $2000
Home burglary
From $100,000 to $2,00,000
Trip Cancellation
Upto $1500
Trip Curtailment
Upto $1500
Missed Connection / Missed Departure
Upto $750
Bounced Hotel / Airline booking
Upto $5000
Sickness Dental Relief
Upto $1200
Waiver of limited coverage
Travelers aged 56 and above, pay additional premium and get waiver on limited medical coverage.

TATA AIG Canada travel insurance - FAQ's

How do I buy TATA AIG travel insurance for Canada from India?

Buying TATA travel insurance for Canada visitors from India is fairly quick and easy. You have to complete an online application providing all the relevant details regarding your travel. After completing the application form, you can pay for the policy using a credit or debit card.

After completing the online payment the policy document will be emailed to the email ID provided in the application form. Compare and buy best travel insurance Canada.

The cost for the Canada travel insurance varies depending on the age of the traveler and the duration of coverage required. The older the traveler the higher is the cost. The longer the duration of Canada travel insurance required, the greater will be the cost.

You can get buy TATA travel insurance for Canada by getting free quotes on our website and then completing the TATA AIG travel insurance proposal form and buying the Indian overseas mediclaim policy online.

If you are applying for Canada visa, the consular authorities can ask you to have adequate travel insurance for the Canada.

However given the fact that your domestic Indian health insurance provides little coverage in Canada, it is important for Indian travelers to buy best travel insurance for Canada.

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.

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.

Most Indian travel insurance for Canada mainly cover health and injury related medical emergencies. Along with this, they also provide coverage for passport loss, trip interruption, trip delays, medical evacuation and baggage delay or baggage loss. Please look at the travel insurance for Canada from India details for the detailed coverage benefits information.

Yes you can travel without having travel insurance unless it is mandated by the respective consulates while issuing the travel visa. Many countries like, Austria, Greece, Portugal, Spain, France, Germany, Belgium, Luxembourg and Netherlands insist of travel insurance while issuing the travel visa. However beyond mandated requirement for the visa, it is prudent to buy travel insurance for Canada from India since healthcare is very expensive outside India, and you do not want to be forced to go to a hospital overseas without any travel insurance.

Popular tourist destinations in Canada

Niagara Falls
Niagara Falls

Niagara Falls is Canada's most famous natural attraction, bringing in millions of visitors each year. Located just over an hour's drive from Toronto, along the American border.

Moraine Lake
Moraine Lake

Moraine Lake is one of the most photographed places in western Canada. This glacier-fed lake is a gorgeous blue-green surrounded by mountains in Alberta.

Toronto's CN Tower
Toronto's CN Tower

On the shores of Lake Ontario in Canada's biggest city is the iconic CN Tower. The tower is one of the tallest structures in the world standing 553 meters high.

cn-tower
Cn-tower

It may only be a small town of 1,000 residents in the Manitoba province on the Hudson Bay shore, but Churchill draws huge crowds every year to see its most famous inhabitants, the polar bears.

Canada Flag

Canada general information

Canada FlagCanada general information

Area

9.985 million km²

Capital

Ottawa

Currency

Canadian Dollar

Best time to visit

Sep to Nov

Population

3.86 crores

Language

English and French

Vacation spots

Niagara Falls, Banff National Park and the Rocky Mountains, Toronto's CN Tower, Old Quebec, Whistler, Ottawa's Parliament Hill.

Customer testimonials

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".