TATA AIG TATA AIG Travel Insurance Plans

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TATA AIG travel insurance
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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 travel insurance coverage for Covid 19, TATA AIG Covid 19 travel insurance

The TATA AIG Travel Guard travel insurance offered by Tata AIG General Insurance Company Ltd offers coverage for medical expenses related to COVID-19. 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

What are the different travel insurance plans offered by TATA AIG

TATA AIG offers its travel insurance under the brand TATA AIG Travelguard. The following are the different travel insurance plan options available under TATA AIG Travelguard insurance :

Single trip TATA AIG Travelguard insurance:
This is the most popular travel insurance policy offered by TATA AIG. This is applicable for travelers who are traveling for a fixed duration of time. This single trip travel insurance is available from a minimum of 2 days to an initial maximum of 6 months. You can renew the plan for another 6 months by providing a good health declaration, having no claims during the initial period and getting approval from the TATA AIG underwriting team. Any Individual traveler or family members traveling overseas can buy this single trip travel insurance. Travelers in the age group ranging from 6 months up to 70 years can get a coverage of either the TATA AIG silver plan ($50,000), TATA AIG silver plus plan ($100,000), TATA AIG gold plan ($250,000) or the TATA AIG platinum plan ($500,000). Older Travelers in the age group of more than 70 years can get a maximum coverage of $50,000.

TATA AIG Annual Multi-trip travel insurance:
TATA AIG multi trip travel insurance is suitable for business people, working professionals or international travelers who travel overseas regularly. Here, you are purchasing international travel insurance coverage for a whole year, however each international trip is limited to either 30 or 45 days. TATA AIG multi trip plan is available in two variants. Silver plan ($50,000) and Gold plan ($250,000) with a 30 or 45 day slab days. Any traveler between the ages of 19 to 70 years can purchase this policy.

Asia guard travel insurance:
TATA AIG Asia guard travel insurance is a plan specially designed for travelers traveling within Asian countries (excluding Korea and Japan) for a shorter duration of 14 days. It covers the traveler for medical expenses during their stay in Asian countries. TATA AIG Asia guard is available in two variants Silver plan ($50,000) and Gold plan ($200,000). Any traveler aged between 6 months to 70 years can buy this plan. However travelers above 70 and travelers going for longer duration can buy the regular single trip travel insurance mentioned above.

The TATA AIG Travel insurance is also offered in two variants depending on the coverage with or without sub-limits.

TATA AIG with Sub limits travel insurance:

  • TATA AIG travel guard with sublimit plans have specific benefit limits for different covered medical expenses.
  • These are plans are cheaper when compared to plans without any sub-limits.
  • The distinction with or without sub-limits comes into effect only after the age of 56 years. For travelers less than 56 years all plans have no sub-limits.
  • Travelers between 56 and 70 years have an option of buying the plan with sub-limits with $50,000, $100,000, $250,000 and $500,000 maximum coverage.
  • 70 plus travelers can only buy a plan of $50,000 with sub-limits.

Let us look at this scenario to better understand the coverage with and without sub-limits.
Insurance Cover is $50,000
Deductible is $100 per medical claim
Your claim amount for medical expenses is $24,500

Here is a simple example showing how much the insurance policy pays for this claim:
Subtract the deductible from claims amount - $24,500 minus $100 equals $24,400. Insured bears $100.
The insurance provider pays fixed amounts based on the schedule of benefits (as shown in the table) and you have to pay the remaining balance.

Expense Amount billed Amount Insurance Pays Amount Insured has to pay from his pocket
Deductible $100 $0 $100
Days in hospital $2,000/day for 3 days $1,500/day for 3 days $1,500
Surgery $17,000 $10,000 $7,000
Diagnostic and Pre-Admission Testing $800 $500 $300
Ambulance Services $600 $400 $200
Total: $24,500 $15,400 $9,100

TATA AIG without Sub limits travel insurance:

  • TATA AIG travel guard without sublimit plans are comprehensive plans where in the eligible medical benefits are covered up to medical maximum.
  • These plans are more expensive but their coverage is more exhaustive.
  • Travelers 56 to 70 years have an option of buying the plan without sub-limits with $50,000, $100,000, $250,000 and $500,000 maximum coverage.
  • 70 plus travelers can buy a plan of $50,000 without sub-limits

Let us take one real time scenario where the insured is having a claim.
Insurance Cover is $50,000
Deductible is $100 per medical claim
Your claim amount for medical expenses is $24,500

Below is a simple calculation showing how much the plan/insurance company pays you:
Subtract the deductible from claims amount - $24,500 minus $100 equals $24,400. Insured bears $100.
The insurance provider pays fixed amounts based on the schedule of benefits (as shown in the table) and you have to pay the remaining balance.

Expense Amount billed Amount Insurance Pays Amount Insured has to pay from his pocket
Deductible $100 $0 $100
Days in hospital $2,000/day for 3 days $2,000/day for 3 days $0
Surgery $17,000 $$17,000 $0
Diagnostic and Pre-Admission Testing $800 $800 $0
Ambulance Services $600 $600 $0
Total: $24,500 $24,500 $100

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.


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

  • Loss of Passport
    • Coverage for expenses incurred in obtaining a duplicate or new passport.

  • 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
    • TravelGuard gives worldwide coverage against Accidental Death and Dismemberment while abroad.

  • Sickness Dental Relief
    • The policy pays for immediate dental treatment occurring due to sudden acute pain during an overseas insured journey. Dental benefits will be provided for medically necessary filling of the tooth or surgical treatment, services, or supplies.

Find out more about TATA AIG Travelguard insurance

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Thank you team for setting these claims so quickly. Indeed Kudos to you particularly & to Tata AIG for having such motivated people like you to serve them & as befitting to all Tata Companies known for the highest ethical standards. I am prompted to sing hosannas in the name of Tatas as I myself served from 1959 till my retirement from Tata Steel in 1996 & we are all guided by J N Tata's ideals translated into actual practice. May you and your fellow colleagues continue to practice this ideal.
- Krishnamachari
TATA AIG CITATION

Mr. Vikas Bagai, Head Travel Services at Tata AIG says "NRIOL has been one of our key partners in India for the past 14 years and has been pivotal in providing Tata AIG customers an opportunity to purchase their TATA AIG Travel insurance online".

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