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TATA AIG Travel Medical Insurance for Indian Travelers - FAQ's

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TATA AIG International 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 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....

Does overseas travel insurance cover Covid19?

Yes, TATA AIG travel insurance covers Covid19 under Hospitalization Medical Expenses.

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

Instant policy

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.


India travel insurance links, TATA AIG international health insurance

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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.

Get answers to all your Questions?

Page 1 of 4  1 2 3 4
  1. What is Travel Insurance Policy?
  2. What is the policy period?
  3. How do you define a trip?
  4. How long does it take to get the policy?
  5. Can I get the list of countries covered under including and excluding Americas?
  6. What is the percentage of the claim payable and whether it will be taxed?
  7. What are the sub-limits prescribed by the policy?
  8. Can we visit ANY hospital or Doctor in US/Non-US in case of sickness?
  9. Do we pay first and then get reimbursed in India or TATA-AIG will pay all the expenses at the time of treatment?
  10. In order to utilize the insurance, should I intimate the insurance prior to visiting the Dr. or hospital?
  11. What is the time frame within which the claim intimation has to be made?
  12. Are there any restrictions on the hospital where the treatment should be taken?
  13. Is it necessary to visit a particular hospital?
  14. Does it pay for medicines (not preexisting)?
  15. In case of reimbursements how much time it takes?
  16. Do I get a refund of a part of the premium if I return before the coverage date ends?
  17. The policy document says "Automatic extension of the policy up to 7 days"! Does it mean the insured is in the grace period and he/she is automatically covered for those days after the last date of the policy?
  18. Is the sum insured mentioned under each category applicable to all members traveling on the policy and is there any restriction on number of claims?
  19. Is a newborn child covered from day one under the Group Travel Policy?
  20. What are the exclusions under the scheme?
  21. Age Limits and Coverage
  22. Who are the Assistance Companies for Overseas Travel Insurance?
  23. What are services of AIG IS & ISOS?
  24. What are the two types of claim settlements?
  25. What do you mean by Reimbursement claim settlement?
  26. What do you mean by Cashless claim settlement?
  27. What do you mean by Network Hospitals?
  28. What are the two types of Cashless hospitalization?
  29. What do you mean by Planned hospitalization?
  30. What do you mean by Emergency hospitalization?
  31. Who to contact during emergency cashless hospitalization at AIG IS or ISOS for assistance?
  32. How is deductible of $100 deduction applicable in case of Cashless hospitalization?
  33. How is reimbursement claim settled?
  34. Whom to contact for queries/clarification/claim settlement at Tata AIG?
  35. When does the cover commence?
  36. Can I extend the policy?
  37. Do I have to undergo a medical examination?
  38. What do I do if the trip is cancelled?
  39. What do I do if the trip is postponed?
  40. Does Baggage delay benefit is covered during the return journey?
  41. Does the policy covers Checked out baggage loss benefit during forward and return journey?
  42. What do I do if I meet with an accident or sickness abroad?
  43. If I make the payment will I get a reimbursement?
  44. Do I necessarily have to contact the assistance company in case of an emergency?
  45. What is cashless hospitalization?
  46. Circumstances under which a Request for Cashless Hospitalization can be denied?
  47. What about Claims relating to Travel Emergencies?
  48. Is there any refund of premium on travel guard policies in case of early return?
  49. If I take a room in a hospital? Will it covered?
  50. Does this policy covers emergency illness?
  51. How will the hospitalization claims be settled?
  52. What are the basic requirements for obtaining a GOP? How is it done?
  53. Does it cover emergence surgery, by-pass, and angioplasty if needed?
  54. What are the exclusions of the policy?
  55. what is meant by with sublimit and without sublimit?
  56. Can I buy travel medical insurance with a pre-existing condition?
  57. What are examples of pre-existing conditions?
  58. Is High Cholesterol a pre-existing condition?
  59. Is arthritis a pre-existing condition?
  60. Does Tata AIG travel insurance cover pre existing condition?

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


Travel insurance FAQ's

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


Travel insurance reviews

TATA AIG Travel Insurance Reviews - Customer experiences and testimonials.

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TATA AIG travel insurance for popular travel destinations.

TATA AIG Travel insurance customer care

Travel insurance customer care

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

Travel health insurance from TATA AIG

You can find different sections of insurance types here.

  • Get best quotes for TATA AIG travel insurance for above 80 years old
  • Pre-existing coverage travel insurance
  • Parents travel insurance
  • Individual travel insurance
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Seniors above 80 years

TATA AIG Overseas medical insurance for senior citizens 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 individual overseas travel insurance online

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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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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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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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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".