TATA AIG travel insurance for USA

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Covers Covid19 sickness
TATA AIG travel insurance
Call: 080-4110 1026

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

Travel insurance for Coronavirus CovidTATA 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....

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

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 travel insurance
medical check up
No medical check up
instant policy
Instant policy

Travel restrictions and US covid travel insurance

Indian travelers aged above 2 years visiting the US are required to submit a negative covid test result taken 3 days prior to boarding the US flight. If a traveler has suffered from covid, the traveler must submit proof of recovery within 3 months of travel departure date and a negative test result. Travelers who are vaccinated are required to also submit a negative test result report. After arrival to the US the travel must quarantine for 7 days or self isolate.

Due the pandemic, travel has become uncertain. Falling sick and getting hospitalized in a country like US where healthcare is expensive can be traumatic. TATA AIG Covid travel insurance for US will offer coverage for medical expenses for Indians. It also provides a covid coverage visa letter for USA if the traveler insists.

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.

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 Covid 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 are the main coverage 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
Accident and Sickness medical expense
Medical expenses from $50,000 to $500,000 US Dollar coverage
Sickness Dental Relief:
Up to $1000
Accidental Death and Dismemberment (24 Hours):
Up to $25,000
Accidental Death and Dismemberment (Common Carrier):
Up to $5,000
Emergency Medical evacuation:
This is included
Repatriation of Remains:
This is included as part of accident and sickness benefit
Baggage delay (After 12 hours):
This is included as part of accident and sickness benefit
Checked Baggage loss:
10% per item and 50% per bag, up to $1,000
Loss of Passport:
Personal Liability:
Up to $500,000
Flight delay:
Up to $100
Up to $500
Emergency cash advance:
Up to $1500
Fraudulent charges (Payment card Security):
Up to $2000
Home burglary:
Up to Rs 2,00,000
Trip Cancellation:
Up to $1000
Trip Curtailment:
Up to $1000
Missed Connection / Missed Departure:
Up to $1000
Bounced Hotel / Airline booking:
Up to $1000
Travel insurance

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:
  1. Age of the traveler: The older the traveler the higher the cost of travel insurance online USA.
  2. Length of travel: The cost of travel insurance for visitors to USA from India increases with the duration of insurance coverage required.
  3. 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.
  4. 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 $500,000.
  5. 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.

TATA AIG travel insurance India, TATA AIG international travel insurance

TATA AIG international travel insurance

buy TATA AIG travel insurance How to buy TATA AIG 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.

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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.

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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.

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TATA AIG travel insurance claims TATA AIG insurance claims

In case of Claim or reimbursement of treatment expenses, notify TATA AIG overseas travel insurance.

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TATA AIG student travel insurance Brochure TATA AIG travel insurance brochure

Download TATA AIG Travel Guard brochure online!

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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.

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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.

How much is TATA AIG travel insurance cost for USA?

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.

Do I need travel insurance for USA?

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.

Which is the best travel insurance for USA? Which travel insurance is best for USA from India?

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.

Which travel insurance is best?

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.

Is travel insurance worth the cost?

Yes, travel insurance for USA from India is worth the cost as it covers for unforeseen emergency medical and non-medical expenses leaving you and your family to have a worry free overseas trip to USA. Nobody knows when you fall sick during your trip to USA. The cost of medical expenses is USA is very high when compared back in India. Any one illness will burden you financially.

It is better to buy travel insurance in rupees and get coverage in US dollars. TATA AIG works out to be a very affordable and cheap travel insurance option when compared to US insurance company plans. TATA AIG health insurance USA covers you for hospitalization medical expenses, doctor visits, pharmacy bills and other medical emergencies.

How do I claim TATA AIG travel insurance?

The steps to claim travel insurance TATA AIG are :


  • 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.

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.

Can I extend my TATA AIG travel insurance while abroad?

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.

Popular tourist destinations in USA



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


9.834 million km²


Washington, D.C.


United States Dollar

Best time to visit

Spring and Autumn


32.34 crores (2016)


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 international travel insurance information, TATA AIG travel insurance USA

Please review the TATA AIG travel insurance brochure for the benefits covered and its policy wordings which details the terms and conditions. You can also complete the TATA AIG Travelguard proposal form. Customers can compare quotes using the TATA AIG premium chart. Travellers in USA who wish to get extended coverage can renew/extend the plan using TATA AIG travel insurance extension. Senior citizens can look at specific coverage that is important for older travellers and understand the travel insurance coverage for pre-existing conditions.

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. TATA AIG works with nationwide US provider networks like The First Health Network and HYGEIA (A United Health Group company).

US medical claims
Mail medical claims to:
Travel Guard Attn: Tata Aig Claims, PI Box 8003, Stevens Point, WI 54481
United health Group Company / The First Health Network.
HYGIA   First Health Network   PHCS

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.
  • 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.
  • 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 Travelguard insurance


Travel insurance FAQ's

Answers to FAQ related to TATA AIG Travel Medical Insurance for visitors from India.
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Senior travelers up to the age of 90 years can opt for TATA AIG Travel insurance coverage.

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Applying for Schengen visa? Then this TATA AIG Schengen insurance is a good option to go for!

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Travel health insurance from TATA AIG

You can find different sections of insurance types here.

  • Get best quotes for travel insurance for over 80 years old
  • Pre-existing coverage travel insurance
  • Parents travel insurance
  • Individual travel insurance
Travel insurance India senior citizens

Seniors above 80 years

TATA AIG overseas insurance for older travelers above 80 years.


Pre-existing coverage insurance

Pre-existing coverage

TATA AIG travel insurance for pre-existing conditions.


Parents Travel insurance

Parents travel insurance

International travel insurance for Indian parents overseas.


overseas travel insurance

Individual travel insurance

TATA AIG overseas travel insurance online


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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.

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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.

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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.

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Mr. Vikas Bagai, 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".

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