TATA AIG offers international pre-existing conditions insurance for Indian travelers under life threatening conditions only. The insured can reimburse up to $1,500 for which they have spent while receiving treatment of pre-existing illness if it is life threatening when they were in a foreign country. Further treatment of the pre-existing conditions outside of the life threatening situation must be taken care of by the insured.
Please read through TATA AIG travel insurance brochure for the benefits covered by the plan and its policy wordings which explains the terms and conditions. You can also complete an online TATA AIG Travelguard proposal form. You can get the complete quotes using the TATA AIG premium chart. You can renew/extend the plan using TATA AIG travel insurance extension on expiry.
USD 50,000/ 100,000/250,000/500,000
180 days( can be extended for further)
180 days to 99 years
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.
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....
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.
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.
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
Travelers who have already traveled from India and do not have insurance can buy TATA AIG travel insurance online.
Calculate the international travel insurance premium for Indian travelers and senior citizens travelling overseas
In case of Claim or reimbursement of treatment expenses, notify TATA AIG overseas travel insurance.
Download TATA AIG Travel Guard brochure online!
Travel insurance customers can renew their existing policy online before the exipry date at any time.
The pre-existing condition means any sickness / illness, which existed prior to the effective date of the insurance including whether or not the insured had knowledge that symptoms were related to the sickness / illness. Complication arising from a pre-existing condition will also be considered part of the pre-existing condition. Some examples of existing ailments could be diabetes, asthma, a heart condition, blood pressure, cancer. The coverage for a recurrence of these existing ailments is limited, please be aware of the exact coverage when you buy the policy.
Lifesaving unforeseen emergency measures, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition. The treatment for these emergency measures would be paid within the policy limits till the Insured becomes medically stable. All further costs to maintain medically stable state to prevent the onset of ailment would have to be borne by the insured.
There is no age limit. TATA AIG travel guard covers pre-existing medical conditions under life threatening up to $1,500 for all ages.
TATA AIG travel health insurance offers up to $1,500 coverage for pre-existing diseases under life threatening situations only.
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.
The plan covers for medical expenses due to accident and sickness while traveling outside India.
Reimbursement for loss of checked in baggage.
Coverage for expenses incurred in obtaining a duplicate or new passport.
The policy pays for immediate dental treatment occurring due to sudden acute pain during an overseas insured journey.
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.
Reimbursement of additional expenses due to trip delay (only if the trip is delayed for more than 12 hours).
Travel Guard gives worldwide coverage against Accidental Death and Dismemberment while abroad.
Reimbursement for reasonable expenses incurred for purchase of emergency personal goods due to delay in arrival of checked in baggage while overseas.
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I would highly recommend nriol.com and Tata AIG for travel insurance. The purchase process was simple, the people were helpful and the rates were competitive. But, most importantly, my claim was settled promptly without much bureaucracy.
Thanks a lot for the speedy response and sending me the policy pdf. This is very useful and will be helpful for my parent's travel. I really liked the quick customer service and very happy with the response.
Thank you very much for your amazing service and response. I am really satisfied with the service and support of NRIOL. This is the second time I have benefited from the excellent service of NRIOL. I would surely recommend NRIOL to anyone looking to buy insurance for travelling abroad.
Hi NRIOL team
Thanks, I have received the policy. Much appreciate your help and time.
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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".