TATA AIG student travel insurance TATA AIG travel insurance for USA

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Tata AIG Travel Insurance

key features of USA travel insurance from India

Covers for emergency medical and non medical expenses in USA
Inptient medical expenses are cashless
Doctor visits for fever, cold, cough, flu are also covered
Get health insurance cover up to USD $10 lakhs
Cover for baggage loss and delay, loss of personal belongings, flight delay
Up to USD $20,000 covered for pre-existing diseases under life threatening
Missed flight, trip cancellation, bounced hotel or airline booking covered

Travel health insurance for Indian tourists visiting the USA

The Indian American community (about Three million strong) is one of the most enterprising immigrant communities in the United States. Indian Americans have reached the highest offices in the US in diverse fields ranging from academia, medicine, information technology, entrepreneurship, hotel management and of late even in Judiciary and politics. One of the endearing attributes of this community is the strong ties it retains with India.

This community often hosts friends and family members from India in the United States. It is also very common to see parents and grand-parents visiting children in the US. These visits often extend up to six months. While visiting the US is fun, visiting an US hospital especially without any insurance is devastating.

Indians visiting the US can insure their health expenses by buying Tata AIG travel insurance for USA. TATA AIG's travel insurance is ideal as visitors insurance for parents from India. TATA AIG network hospitals in USA includes United Healthcare as the local service provider and the TATA AIG United states customer support is provided within the country.

USA insurance

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)

What are the important factors to consider while buying TATA AIG health insurance for USA from India?

The following are the important factors to consider while buying TATA AIG travel insurance USA 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 USA 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 USA 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 USA?

The cost of TATA AIG travel medical insurance for visitors to USA from India depends on the following factors:
  • Age of the traveler: The older the traveler the higher the cost of travel insurance online USA.
  • Length of travel: The cost of travel insurance for visitors to USA 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 USA travel insurance, TATA AIG travel health insurance USA - FAQ's

Travel Insurance required for visiting the US?

The US government has recently introduced a rule which makes it compulsory from November 2019 for all new immigrant visa applicants to provide proof of adequate US health insurance while in the United States. This new rule will directly impact new US immigrant visa applications, such as for parents and family members of the Indian diaspora in the United States.

The aim of this compulsory US immigrant health insurance is to reduce the burden on the US hospitals, the US health care system and finally on US tax payers by uninsured new US immigrants. While this rule is focused on those applying for US immigrant visas, we are getting customer feedback that even travelers on tourist visas are being expected to have proper short term visitor insurance.

The travel insurance plans offered here work ideally for visitors to the US. After purchasing these US visitor insurance plan, customers will receive the insurance document by email. Customers can use this visitor insurance document as proof of travel health insurance in the US while applying for the US tourist visa. Given the high cost of US healthcare, it is in any case very important for all tourists to buy adequate US health insurance.

The cost for the USA 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 USA travel insurance required, the greater will be the cost. You can get buy TATA AIG travel insurance USA by getting free quotes on our website and then completing the TATA AIG travel insurance USA proposal form and buying the Indian overseas mediclaim policy online.

Yes, Tata AIG travel insurance is very good in USA as the company is partly owned by AIG in the US and works with the known providers in the country. TATA travel insurance is the preferred choice of travellers to USA from India. Tata AIG USA travel insurance from India provides cashless hospitalization for sickness and accident medical expenses making your journey a worry free.

Tata AIG travel insurance USA is one of the best international health insurance in USA for Indians traveling to the US. Tata AIG travel insurance for USA covers for your emergency sickness medical expenses. This plan offers cashless travel insurance for USA.

At present, it is not mandatory to buy travel health insurance for the US from India. However given the very cost of healthcare in the US, it is very strongly advisable to buy Tata AIG travel insurance for USA which gives comprehensive health insurance coverage and takes care of your medical expenses during your stay in the US. While visiting the US is great, being forced to visit an US hospital without the best travel insurance is financially catastrophic.

If you are applying for the USA visa, the consular authorities can ask you to have adequate travel insurance for the USA. However given the fact that your domestic Indian health insurance provides little coverage in USA, it is important for Indian travelers to buy good TATA AIG travel insurance for the USA.

One of the best Indian travel insurance for USA is the TATAAIG travel insurance. It covers travelers of all age group starting from 6 months. It offers a wide range of plans starting from $50,000 to $500,000 maximum coverage. An older traveler who are 56 years and above has an option of buying the plan without any medical sublimit.

TATA AIG travel insurance for USA works with popular networks like Hygeia, First Health and PHCS and hence the travelers traveling to US from India will get the assistance service of a local provider in the US. Faster and good claim settlement ratio. Covers for pre-existing ailments for a limited for $1,500 under life threatening situations. Popular brand among overseas travelers.

TataAIG travel insurance is the best Indian travel insurance provider given the fact that TATA AIG has the largest market share amongst all Indian insurance companies for overseas travel insurance from India. TATA AIG travel insurance for USA is particularly good as travel insurance for travelers to USA from India since it has local customer support in the US and works with popular national PPO network like United healthcare.

The steps to claim travel insurance TATA AIG 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.

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.

Most Indian travel insurance for USA 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 USA from India details for the detailed coverage benefits information.

Popular tourist destinations in USA

Yellowstone
Yellowstone

This national park provides plenty of attractions to excite nature lovers, from steaming geysers to bubbling hot springs to hiking trails that stretch for miles.

Grand Canyon
Grand Canyon

Grand Canyon in Arizona, with its layered bands of red rock revealing millions of years of geological history.

Los Angeles
Los Angeles

Los Angeles is a sprawling Southern California city and the center of the nation’s film and television industry.

Washington, D.C.
Washington, D.C.

The White House in Washington DC is the official residence and office of the President of the United States.

USA Flag  USA - General information

Area

9.834 million km²

Capital

Washington, D.C.

Currency

United States Dollar

Best time to visit

Spring and Autumn

Population

33.49 crores

Language

American English

Vacation spots

New York City, Los Angeles, Chicago, Las Vegas, Washington, D.C., Yellowstone, San Francisco, Jacksonville, Savannah, New Orleans, Asheville, Hawaii.

TATA AIG Travel insurance claims in the United States, TATA AIG insurance USA

TATA AIG Travel insurance is ideal for Indian travelers in the United States since the international partner in TATA AIG is an US company. AIG is a known brand in the United States and US customer calls are handled locally within the United States.

US medical claims

Mail medical claims to: Europ Assistance India
Star Hub Building number 2,floor 7, Near ITC Maratha,Andheri E Mumbai – 400059
GMMI

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".