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Tata AIG Travel Insurance

What are the key highlights of TATA AIG international travel insurance?

assignment
Sum Insured

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

lists
Coverage period

360 days

person
Eligibility

90 days to 99 years

What is Europe travel insurance from India?

Indians travelling to Europe has been increasing dramatically. Indian tourists plan their trips early to ensure that they do not face any problems while travelling, but there can always be some unplanned situations that would arise. This may be a sudden sickness or accident which can could result in hospitalization. The health care facilities in Europe is very expensive and medical bills in Schengen countries can be overwhelming and will ruin your travel plans. Most European countries require Indians to have medical insurance with certain requirements while they are applying for Visa.

TATA AIG travel insurance is approved by the Schengen consulates for European countries. It satisfies all the medical insurance requirements as made compulsory by the consulate. With TATA AIG Europe travel insurance, Indian travelers can enjoy their trip to Europe without any distress as most of the medical and travel related risks will be taken care of.

How can I extend or renew my TATA AIG travel policy insurance 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)

How to choose a travel insurance plan for Europe from India?

Get quote »

What are the benefits of buying Tata AIG Europe travel insurance for Schengen visa from India?

  • $50,000 coverage plan also satisfies €30,000 Schengen visa insurance requirement.
  • Covers emergency medical evacuation and repatriation as required by the consulate.
  • Provides plans covering all age group.
  • No documents required to buy these plans.
  • Cashless claims settlement for hospitalization medical expenses in Europe.
  • Reimbursement of bills for out-patient medical expenses, doctor visits and pharmacy bills.
  • Covers pre-existing conditions under life threatening conditions.
  • Covers baggage loss, trip cancellation, missed flight connection and more.

What are the benefits under TATA AIG Europe travel insurance?

  • Individual / Multiple travelersSenior
  • Individual / Multiple travelers
    Benefits Silver Silver Plus Gold Platinum Titanium Titanium Plus
    Sublimits With sublimit / Without Sublimit With sublimit / Without Sublimit With sublimit / Without Sublimit With sublimit / Without Sublimit With sublimit / Without Sublimit With sublimit / Without Sublimit
    Age 3 months - 70 years 3 months - 70 years 3 months - 70 years 3 months - 70 years 3 months - 60 years 3 months - 60 years
    Destination Worldwide / Rest of World excluding North & South America and Canada / Schengen Countries in Europe Worldwide / Rest of World excluding North & South America and Canada / Schengen Countries in Europe Worldwide / Rest of World excluding North & South America and Canada / Schengen Countries in Europe Worldwide / Rest of World excluding North & South America and Canada / Schengen Countries in Europe Worldwide / Rest of World excluding North & South America and Canada / Schengen Countries in Europe Worldwide / Rest of World excluding North & South America and Canada / Schengen Countries in Europe
    Sum Insured for Accident & Sickness Up to $50,000
    Deductible : $100
    Up to $100,000
    Deductible : $100
    Up to $250,000
    Deductible : $100
    Up to $500,000
    Deductible : $100
    Up to $750,000
    Deductible : $100
    Up to $1,000,000
    Deductible : $100
    Pre Existing Disease Coverage (only in case of life threatening conditions) Up to $2,500 Up to $5,000 Up to $10,000 Up to $10,000 Up to $15,000 Up to $20,000
    Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured) Up to $50,000
    Deductible : $100
    Up to $100,000
    Deductible : $100
    Up to $250,000
    Deductible : $100
    Up to $500,000
    Deductible : $100
    Up to $750,000
    Deductible : $100
    Up to $1,000,000
    Deductible : $100
    Repatriation of Mortal Remains Up to 25% of Accident & Sickness Sum Insured Up to 25% of Accident & Sickness Sum Insured Up to 25% of Accident & Sickness Sum Insured Up to 25% of Accident & Sickness Sum Insured Up to 25% of Accident & Sickness Sum Insured Up to 25% of Accident & Sickness Sum Insured
    Accidental Death & Disablement (Overseas) Accidental Death: Maximum $10,000
    Accidental Disablement: Maximum $10,000
    Benefit Total - Maximum $10,000
    Accidental Death: Maximum $10,000
    Accidental Disablement: Maximum $10,000
    Benefit Total - Maximum $10,000
    Accidental Death: Maximum $15,000
    Accidental Disablement: Maximum $15,000
    Benefit Total - Maximum $15,000
    Accidental Death: Maximum $25,000
    Accidental Disablement: Maximum $25,000
    Benefit Total - Maximum $25,000
    Accidental Death: Maximum $50,000
    Accidental Disablement: Maximum $50,000Benefit Total - Maximum $50,000
    Accidental Death: Maximum $75,000
    Accidental Disablement: Maximum $75,000Benefit Total - Maximum $75,000
    Emergency Medical Dental Expenses $300
    Deductible : $50
    $400
    Deductible : $50
    $500
    Deductible : $50
    $1,000
    Deductible : $50
    $1,000
    Deductible : $50
    $1,200
    Deductible : $50
    Delay of Checked-in Baggage $40
    Deductible : After 4 hours
    $40
    Deductible : After 4 hours
    $45
    Deductible : After 4 hours
    $50
    Deductible : After 4 hours
    $50
    Deductible : After 4 hours
    $50
    Deductible : After 4 hours
    Loss of Checked-in Baggage $200 $200 $300 $300 $400 $500
    Loss of Passport $250
    Deductible : $25
    $250
    Deductible : $25
    $250
    Deductible : $25
    $250
    Deductible : $25
    $500
    Deductible : $25
    $500
    Deductible : $25
    Personal Liability $100,000
    Deductible : $200
    $100,000
    Deductible : $200
    $200,000
    Deductible : $200
    $500,000
    Deductible : $250
    $500,000
    Deductible : $250
    $500,000
    Deductible : $250
    Trip Curtailment $500
    Deductible : $50
    $500
    Deductible : $50
    $750
    Deductible : $75
    $1,000
    Deductible : $100
    $1,000
    Deductible : $100
    $1,500
    Deductible : $100
    Trip Cancellation $500
    Deductible : $50
    $500
    Deductible : $50
    $750
    Deductible : $50
    $1,000
    Deductible : $100
    $1,000
    Deductible : $100
    $1,500
    Deductible : $100
    Flight Delay - - $45 For all overseas flights taken during Insured Trip
    Deductible : After 4 hours
    $50 For all overseas flights taken during Insured Trip
    Deductible : After 4 hours
    $50 For all overseas flights taken during Insured Trip
    Deductible : After 4 hours
    $50 For all overseas flights taken during Insured Trip
    Deductible : After 4 hours
    Missed Flight/Connection $250 $250 $500 $750 $750 $750
    Bounced Hotel/Airline booking $500
    Deductible : $50
    $500
    Deductible : $50
    $750
    Deductible : $75
    $1,000
    Deductible : $100
    $2,500
    Deductible : $100
    $5,000
    Deductible : $100
    Fraudulent Charges Per Occurrence Limit $250; Maximum Limit $500 Per Occurrence Limit $250; Maximum Limit $500 Per Occurrence Limit $500; Maximum Limit $1000 Per Occurrence Limit $1000; Maximum Limit $2000 Per Occurrence Limit $1250; Maximum Limit $2500 Per Occurrence Limit $1250; Maximum Limit $2500
    Home Content Burglary (in INR) ₹ 50,000
    Deductible : ₹ 5,000
    ₹ 50,000
    Deductible : ₹ 5,000
    ₹ 1,50,000
    Deductible : ₹ 5,000
    ₹ 2,50,000
    Deductible : ₹ 5,000
    ₹ 5,00,000
    Deductible : ₹ 5,000
    ₹ 5,00,000
    Deductible : ₹ 5,000
    Accommodation Extension $100 per day upto Maximum of 10 days $250 per day upto Maximum of 10 days $300 per day upto Maximum of 10 days $750 per day upto Maximum of 10 days $1000 per day upto Maximum of 10 days $1000 per day upto Maximum of 10 days
    Hijack/Kidnap Daily Allowance - $75 for every 12 hours, upto Maximum of 10 days $100 Per 12 hours, upto Maximum of 10 days $150 Per 12 hours, upto Maximum of 10 days $150 Per 12 hours, upto Maximum of 10 days $200 Per 12 hours, upto Maximum of 10 days
    Loss of International driving license - $100 $100 $100 $150 $150
    Flight Cancellation - $75 $75 $150 $200 $250
    Emergency Extension of the Policy 7 days 7 days 7 days 15 days 15 days 15 days
    Loss of Personal Baggage - - $200
    Deductible : $30
    $300
    Deductible : $30
    $400
    Deductible : $30
    $500
    Deductible : $30
    Personal Accident in India (in INR) - - ₹ 15,00,000 Rs. 20,00,000 Rs. 25,00,000 Rs. 50,00,000
    Compassionate Travel/Stay - - - Upto $3,500 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member Upto $5,000 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member Upto $5,000 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member
    Loss of Cash - - - $125 $250 $375
    Upgradation to Business Class - - - - $750 $1,000
    Rental Vehicle Cover - - - - $500 $500
    Rental Vehicle Return - - - - $250 $500
    Alternative Transport Expenses - - - - $750 $1,000
    Pandemic Cover - - - - $500 $500
    Hospital Daily Cash (Per Day) - - - - - $75 Per day, upto Maximum of 10 days
    Missed Booking - - - - - $750
    Visa Rejection - - - - - $100
    Sublimits applicable on Inpatient Treatment / Day Care Treatment / Outpatient Treatment:
    Medical Sublimit Silver Silver Plus Gold Platinum Titanium Titanium Plus
    Hospital Room Rent and Boarding expenses $1,500 per Day up to 30 Days $1,500 per Day up to 30 Days $1,750 per Day up to 30 Days $2,000 per Day up to 30 Days $2,000 per Day up to 30 Days $2,500 per Day up to 30 Days
    Emergency Room Services $1,500 $1,500 $1,750 $2,000 $2,000 $2,500
    ICU Charges $3,000 per Day up to 7 Days $3,000 per Day up to 7 Days $3,250 per Day up to 7 Days $3,750 per Day up to 10 Days $3,750 per Day up to 10 Days $4,000 per Day up to 10 Days
    Surgical Treatment Expenses $12,500 $12,500 $13,000 $15,000 $15,000 $22,500
    25% of Surgical Treatment Expenses for Anesthetist Services 25% of Surgical Treatment Expenses for Anesthetist Services 25% of Surgical Treatment Expenses for Anesthetist Services 25% of Surgical Treatment Expenses for Anesthetist Services 25% of Surgical Treatment Expenses for Anesthetist Services 25% of Surgical Treatment Expenses for Anesthetist Services
    Physician Consultation Charges $125 per day up to 10 visits $125 per day up to 10 visits $175 per day up to 10 visits $250 per day up to 10 visits $250 per day up to 10 visits $350 per day up to 10 visits
    Diagnostic Tests Up to $750 Up to $750 Up to $1,000 Up to $1,500 Up to $1,500 Up to $2,500
    Ambulance Service (Not applicable for Outpatient Treatment) Up to $500 Up to $500 Up to $600 Up to $750 Up to $750 Up to $1,000
    Pharmacy Up to $2,000 Up to $2,000 Up to $2,000 Up to $2,000 Up to $2,000 Up to $2,000
    Miscellaneous Expenses Up to $500 Up to $500 Up to $500 Up to $500 Up to $500 Up to $500
    Emergency Room Services $27,500 $27,500 $30,000 $35,000 $35,000 $40,000
    Non-Surgical (Medical Management cases) $13,000 $13,000 $15,000 $17,500 $17,500 $20,000
  • Senior
    Benefits Senior Senior Plus Super Senior
    Sublimits With sublimit / Without Sublimit With sublimit / Without Sublimit With sublimit / Without Sublimit
    Age 71-80 years 71-80 years 81+ years
    Destination Worldwide / Rest of World excluding North & South America and Canada / Schengen Countries in Europe Worldwide / Rest of World excluding North & South America and Canada / Schengen Countries in Europe Worldwide / Rest of World excluding North & South America and Canada / Schengen Countries in Europe
    Sum Insured for Accident & Sickness Upto $50,000
    Deductible : $100
    Upto $100,000
    Deductible : $100
    Upto $50,000
    Deductible : $100
    Pre Existing Disease Coverage (only in case of life threatening conditions) Upto $2,500 Upto $3,000 Upto $1,500
    Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured) Up to $50,000
    Deductible : $100
    Up to $100,000
    Deductible : $100
    Up to $50,000
    Deductible : $100
    Repatriation of Mortal Remains Upto 25% of Accident & Sickness Sum Insured Upto 25% of Accident & Sickness Sum Insured Upto 25% of Accident & Sickness Sum Insured
    Accidental Death & Disablement (Overseas) Accidental Death: Maximum $10,000
    Accidental Disablement: Maximum $10,000
    Benefit Total - Maximum $10,000
    Accidental Death: Maximum $10,000
    Accidental Disablement: Maximum $10,000
    Benefit Total - Maximum $10,000
    Accidental Death: Maximum $10,000
    Accidental Disablement: Maximum $10,000
    Benefit Total - Maximum $10,000
    Emergency Medical Dental Expenses $300
    Deductible : $75
    $500
    Deductible : $75
    Not Available
    Deductible : Not available
    Delay of Checked-in Baggage $40
    Deductible : After 4 hours
    $40
    Deductible : After 4 hours
    $40
    Deductible : After 4 hours
    Loss of Checked-in Baggage $200 $200 $200
    Loss of Passport $250
    Deductible : $25
    $250
    Deductible : $25
    $250
    Deductible : $25
    Personal Liability $1,00,000
    Deductible : $200
    $1,00,000
    Deductible : $200
    $1,00,000
    Deductible : $200
    Trip Curtailment $500
    Deductible : $100
    $500
    Deductible : $100
    $500
    Deductible : $100
    Trip Cancellation $250
    Deductible : $50
    $500
    Deductible : $50
    $250
    Deductible : $50
    Flight Delay $40 For all overseas flights taken during Insured Trip
    Deductible : After 4 hours
    $40 For all overseas flights taken during Insured Trip
    Deductible : After 4 hours
    $40 For all overseas flights taken during Insured Trip
    Deductible : After 4 hours
    Missed Flight/Connection $250 $250 $250
    Bounced Hotel/Airline booking $500
    Deductible : $50
    $500
    Deductible : $75
    $250
    Deductible : $50
    Home Content Burglary (in INR) ₹50,000
    Deductible : ₹5,000
    ₹50,000
    Deductible : ₹5,000
    ₹50,000
    Deductible : ₹5,000
    Accommodation Extension $50 per day upto Maximum of 10 days $100 per day upto Maximum of 10 days $50 per day upto Maximum of 10 days
    Hijack/Kidnap Daily Allowance $75 Per 12 hours, upto Maximum of 10 days $100 Per 12 hours, upto Maximum of 10 days $75 Per 12 hours, upto Maximum of 10 days
    Loss of International driving license - - -
    Flight Cancellation - $75 -
    Emergency Extension of the Policy 7 days 7 days 7 days
    Loss of Personal Baggage Not Available
    Deductible : Not Available
    $200
    Deductible : $30
    Not Available
    Deductible : Not Available
    Compassionate Travel/Stay Upto $2,500 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member Upto $5,000 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member Upto $2,500 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member
    Sublimits applicable on Inpatient Treatment / Day Care Treatment / Outpatient Treatment
    Medical Sublimit Senior Senior Plus Super Senior Plus
    Hospital Room Rent and Boarding expenses $1,500 per Day up to 30 Days $1,500 per Day up to 30 Days $1,500 per Day up to 30 Days
    Emergency Room Services $1,500 $1,500 $1,500
    ICU Charges $3,000 per Day up to 7 Days $3,000 per Day up to 7 Days $3,000 per Day up to 7 Days
    Surgical Treatment Expenses $12,500 $12,500 $12,500
    25% of Surgical Treatment Expenses for Anesthetist Services 25% of Surgical Treatment Expenses for Anesthetist Services 25% of Surgical Treatment Expenses for Anesthetist Services
    Physician Consultation Charges $125 per day upto 10 visits $125 per day upto 10 visits $125 per day upto 10 visits
    Diagnostic Tests Up to $750 Up to $750 Up to $750
    Ambulance Service (Not applicable for Outpatient Treatment) Up to $500 Up to $500 Up to $500
    Pharmacy Up to $2,000 Up to $2,000 Up to $2,000
    Miscellaneous Expenses Up to $500 Up to $500 Up to $500
    Emergency Room Services (Total) $27,500 $27,500 $27,500
    Non-Surgical (Medical Management cases) $13,000 $13,000 $13,000

Frequently asked questions for Tata AIG travel insurance for Europe from India

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.

Yes, travel insurance is very important for Europe, it is in fact mandatory while applying for the Schengen visa, and even if you are traveling outside the Schengen area, you should ensure that you have adequate travel insurance for your trip. Indian tourists will not have access to free emergency medical treatment and will be charged for any healthcare expenses unless you are covered with proper travel insurance.

Even though most of the European countries have a universal healthcare system, they system but it is not free. Each country has its own variation and it is usually available for residents of that country and not to tourists.

As an Indian citizen, if you will be traveling to any of the Schenen countries, ie the following 29 countries you are required to show proof of travel insurance which satisfies Schengen visa requirements : Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland.

Tata AIG travel guard plus travel insurance is best for Schengen visa. Its plans satisfy visa insurance requirements and can be purchased online hasslefree.

groups

Indians travelling in groups to Europe, Tata AIG will cover most of the medical expenses for group of travellers to Europe, You could fill our group insurance quotes form and we will get back to with the premium.

Travelling individually or as a family? Tata AIG offers affordable travel insurance for visiting Europe!

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Individual Travel Insurance

Individual travel insurance plans are designed for individual travelers both traveling overseas from India or for domestic travel within India.

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Family Travel Insurance

A Family refers to an Individual, individuals spouse, children and parents. Family travel insurance offers medical coverage for all members of the family.

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Why is travel insurance essential when traveling from India to Europe?

Various unforeseen events could disrupt your carefully planned travel, such as unexpected conflicts in your destination country, sudden international travel restrictions, or flight cancellations and delays. Additionally, you may encounter a medical emergency during your trip, which could require treatment or, in more serious cases, hospitalization.

To ensure you have adequate financial protection against unexpected situations during your travels, it’s essential to choose the right travel insurance plan. When purchasing a Europe travel insurance policy, make sure it offers comprehensive coverage for medical and accident-related expenses, baggage loss or delay, local assistance, and health insurance.

At Tata AIG, we provide affordable travel insurance plans for Europe that include coverage for Covid-19, along with comprehensive protection for your trip. These plans are flexible, allowing you to tailor the coverage to suit both your travel needs and budget.

What are the entry guidelines for Indian citizens traveling to Europe?

Indian nationals planning to travel to Europe must be aware of certain entry restrictions. Here are the key entry and documentation requirements for Europe that you need to follow:
  • A valid Indian passport, issued within the last 10 years, with at least three months of validity remaining from your entry date into Europe.
  • A valid Schengen Visa that aligns with the purpose of your visit to Europe.
  • Two passport-sized photographs.
  • Proof of sufficient funds to cover your stay in Europe.
  • Proof of enough funds for your return to India or onward travel to a third country with admission proof.
  • Compliance with the latest European Union transit regulations.
  • A travel health insurance policy for Europe, offering at least €30,000 in medical coverage, including medical evacuation and repatriation.

What are the essential travel documents for Indian citizens traveling to Europe?

When planning your trip to Europe, it's important to ensure you have all the necessary documents for your journey. Here’s a list of essential documents you’ll need:

  • An Indian passport valid for at least 3 months, issued within the last 10 years.
  • A valid Schengen Visa.
  • Travel medical insurance for Europe.
  • Two recent passport-sized photographs.
  • Proof of sufficient funds to cover your stay in and return from Europe.
  • A cover letter stating the purpose of your visit to Europe.
  • Your travel documents and itinerary.
  • Proof of accommodation in Europe, such as hotel bookings or a university admission letter, depending on your travel plans.

Why are Indian embassies important for travelers in Europe?

Indian embassies are present in all major European countries. Before traveling to Europe, make sure to check the contact details of the Indian embassy in the country or countries you plan to visit. If you require any assistance during your trip, the embassy should be your first point of contact.

Who is eligible to buy Schengen visa travel insurance?

3 months - 70 years
  • Silver Plan - $50,000
  • Silver Plus Plan - $100,000
  • Gold Plan - $250,000
  • Platinum Plan - $500,000
71 years - 80 years
  • Senior Plan - $50,000
  • Senior Plus Plan - $100,000
81 years - 99 years
  • Super Senior Plan - $50,000

How much does TATA AIG travel insurance for Schengen visa cost in 2025?

The TATA AIG travel insurance for Schengen visa price ranges between ₹1,183 to ₹2,978 for one month(30 days) for 25 years old traveler, based on type of plan and policy maximum coverage.

Travelers visiting Europe (Premiums inclusive of GST @18%)
Plan Name Policy maximum (US $) Cost for one month (30 days)
Travel Guard Plus Silver $50,000 ₹1,183
Travel Guard Plus Silver Plus $1,00,000 ₹1,391
Travel Guard Plus Gold $2,50,000 ₹1,577
Travel Guard Plus Platinum $5,00,000 ₹1,897
Titanium $7,50,000 ₹2,431
Titanium Plus $1,000,000 ₹2,978

List of Popular Schengen countries

Customers 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".