Travel Insurance

Travel insurance offers medical coverage and trip coverage. While there’s a distinction between the two overseas, in India, all travel insurance policies include medical coverages like emergency hospitalisations overseas, emergency evacuation, and repatriation along with regular trip coverage.

Going on holiday can be a lot of fun, but a single misstep or mishap could completely ruin a perfectly good vacation. Your travel insurance policy will help protect you and provide you with assistance in case things don’t go as planned while you’re travelling. Right from reimbursing you for lost luggage to helping you pay for medical bills in a foreign country, a travel insurance policy will help you deal with all kinds of emergency situations.

The best travel insurance is one that covers your trip emergencies. There are many ways to ascertain this. We recommend comparing different travel insurance plans and their coverage to know which one is the best for you.

We offer a free-look period on our annual and multi-trip travel insurance plans. If you purchase a single-trip travel insurance policy, we cannot offer a free-look period.

Absolutely! You can get in touch with our customer care team by calling our toll-free number, 1 800 266 7780 or by sending an email to customersupport@tataaig.com and they’ll take you through the process.

Sadly, no. Your travel insurance policy purchase date and the date from which the policy commences must be before the date on which you plan to start your trip. So, you must buy your travel insurance before you leave the country.

In most scenarios, any treatment related to a pre-existing illness or complications that arise due to pre-existing conditions is not covered under our travel insurance plans. But, we understand that needing help while you’re abroad can be frightening. If you’re in a life-threatening situation, we’ll provide you with cover up to USD 1,500

If you cancel before the risk start date, you will receive a full refund less cancellation fees. If it's after the risk start date and because of non-travel, a full refund minus cancellation costs will be issued. However, if the client cancels the policy after the risk start date or owing to an early return based on the used premium, the remaining premium less cancellation fees will not be reimbursed.

Travel insurance functions as a financial safety net, protecting you from the financial consequences of unanticipated problems during your trip. When you acquire a travel insurance policy, you are effectively purchasing protection against certain insurable situations. It provides medical, luggage, and travel insurance.

If any of the covered occurrences, such as flight delays, luggage loss, or medical crises, occur, your insurance provider will either pay you for the additional costs incurred as a result of such incidents or give a cashless insurance claim settlement for the same.

Yes, one may acquire travel insurance after they have booked a reservation for a trip. In fact, doing so is a good idea since they will have a better understanding of the details of their trip, such as the start and end dates, the number of people accompanying them, and the location. All of these facts are required to calculate the cost of travel insurance coverage.

Flight insurance is a type of travel insurance coverage that covers the cost of flight cancellations and delays. It will also cover incidents like emergency medical evacuations and other mishappenings during flights.

You can only buy travel insurance for yourself or immediate family members since insurance purchases require a KYC process to verify the buyer’s identity.

Yes, your insurer reserves the right to cancel your travel insurance policy at any point in the event of established fraud, misrepresentation or non-disclosure on your part.

Travel insurance will be applicable for medical emergencies during your trip. Medical insurance will be applicable for medical emergencies within India and, if you’ve got global coverage, for planned treatments overseas.

This depends on how much coverage you need, the type of plan you buy and your insurance provider. At TATA AIG, you can buy travel insurance plans starting at ₹24.8/day.

No, you need to be in India to buy travel insurance and ensure you get coverage for your trip. If you’re unsure of when to buy it, you can buy travel insurance the day before your trip or any time before that.

Yes, so long as you’re in India you can buy travel insurance to insure your trip.

Generally, the base policy will not cover pre-existing diseases. If you require PED coverage, you must notify your insurer before purchasing or get coverage with additional premiums and medical emergencies due to life-threatening Pre-Existing Diseases only.

Travel insurance is not mandatory, but this will depend on the country you’re travelling to. Some countries, like the Schengen region countries, mandate all foreign travellers to have travel insurance with medical coverage.

Your travel insurance policy will cover the loss of your travel documents(if opted) during your trip if they are lost, stolen or damaged through no fault of your own. The policy will also assist you in getting issued new or duplicate ones in their place.

It is recommended to buy travel insurance as soon as you book your reservations, and your visa and tickets have been confirmed.

Accidents, illnesses or injuries of the insured person, their immediate family member or travel companion, pandemic situations, mass bundhs/shutdowns, natural disasters or catastrophic events at the trip destination are all covered reasons for trip cancellation. Simply put, trip cancellation will cover reasons and scenarios that are completely out of your control, which lead to a cancellation of your trip.

Most credit cards from large banks like HDFC, ICICI, American Express or AMEX, Axis Bank and Standard Chartered will offer credit cards with built-in travel insurance. However, it’s important to note that coverage only activates when the travel booking is made using a credit card with travel insurance. Some providers will also require you to use your credit for a specific portion of your trip to be eligible for coverage.

Yes, it’s recommended to buy travel insurance even for short trips.

Yes, travellers with hypertension and diabetes can buy travel insurance. But it’s important to note travel insurance will only cover medical emergencies and complications due to hypertension and diabetes during your trip if they are life-threatening. If you need coverage for a pre-existing condition, you’ll need to discuss it with your insurer before buying the plan.

Yes, travel insurance plan types like multi-trip insurance and annual travel insurance plans are often recommended for frequent travellers since they cover all trips taken within a year. They make getting travel insurance easier since you won’t be required to buy a new plan every time you need to travel during the year.

The best way to buy travel insurance is by comparing travel insurance policies, namely their price and coverage. This method ensures you get the most bang for your buck when.

For international travel, your travel insurance(if opted) will only cover passport loss overseas during your trip, not before it. For domestic travel within India, your travel insurance plan will cover the loss of travel documents or credit cards during your trip. In both cases, you will only get coverage for lost passports or travel documents during your trip, not before it.

You can buy travel insurance from online insurance providers like TATA AIG on their official website.

The best place to buy travel insurance is directly from the insurer through their official website. To prevent online scams or fraud, make sure the insurer you pick is listed as an insurer on the IRDAI website. For example, TATA AIG is listed as a general insurance provider on the IRDAI website.

This depends on where you’re travelling to. For example, with TATA AIG Travel Insurance - International plus, you can expect travel insurance to cost between ₹1300 - ₹2100, inclusive of 18% GST, for a 2-week trip to the US*.

Generally, your average travel insurance cost will be 4%-12% of the total cost of your trip.

No, travel insurance does not cover planned medical treatments overseas. It only covers medical emergencies. You will need to buy health insurance with a global cover if you need coverage for planned treatments overseas.

Yes, so long as you buy plans from IRDAI-approved insurers from their official website, it is completely safe to buy travel insurance online. You can check the IRDAI’s approved list of insurers to ensure you’re buying from a reputed insurance company.

You can get single-trip travel insurance coverage for up to 360 days*. For annual multi-trip travel insurance, you can get coverage for 150 days per trip in a given year*. The single-trip travel plan will last until your return to India, and the multi-trip travel insurance plan will be valid for a year from the date you buy the plan.

Yes, travel insurance will cover flight cancellations if you cancel your flight due to a covered reason like an accident, illness, injury, travel ban or any other circumstance out of your control.

Most travel insurance plans will allow you to add your family members. However, it is best to confirm this by reading the policy wording before buying the plan.

A travel insurance premium is the cost of the travel insurance plan you’re buying. You pay the premium, and in exchange, you get travel insurance coverage during your trip.

Hospitalisations and quarantine at your booked place of stay or in a quarantine facility due to COVID-19 will be covered during your trip*.

Copy of diagnostic reports/pathological/ radiological reports, along with proof that you are required to be quarantined by a doctor. In the event of a pandemic like Covid, you will also need to provide proof that your illness is declared as a pandemic at Phase 4 or higher by the World Health Organization (WHO).

In case you fall sick and need to be hospitalised or require medical attention, you can claim medical coverage under your travel insurance plan.

No grace periods aren’t available for travel insurance plans since you are required to pay the premium at the time of policy purchase.

Yes, if the country you’re travelling to doesn’t mandate travel insurance, you can travel without it, but it’s not recommended.

Your travel insurance coverage will start on the day you depart and end when you return to India.

You can get coverage for up to 360 days* under a single-trip travel insurance policy.

Yes, most travel insurance policies provide cashless services for overseas hospitalisations at network hospitals.

Yes, senior citizens over 61 years of age can buy senior citizen travel insurance plans

Yes, travel insurance plans end once your trip ends and you return to India. Annual travel insurance expires 1 year from the date of purchase.

Travel insurance is mandatory in all Schengen countries.

You can own more than one travel insurance policy, but you cannot file a claim for the same incident under both policies as it can be considered fraudulent.

The minimum entry age under travel insurance is 3 months for single-trip plans and 12 years for annual plans. However, you need to be at least 18 years old to buy travel insurance or have a family member over the age of 18 years buy it for you if you’re a minor.

Yes, you can buy travel insurance if you need to travel for work purposes.

Yes, travel insurance covers OPD expenses in case you fall ill during your trip and require medical attention.

Visa application processes for some countries will require you to buy travel insurance during the application process and provide proof of coverage as part of their visa approval process.

Yes, if you’ve been advised to quarantine in your booked hotel room or at a quarantine facility by a doctor, your travel insurance plan will cover it.

When buying Schengen travel insurance, you will need to get a minimum medical coverage of EUR 30,000 (approx ₹27,05,760) under your plan.

The document provided as proof will be a soft copy of your travel insurance policy that you can download as proof. Moreover, proof of travel insurance can also be confirmation of coverage from your insurance provider.

Yes, travel insurance will cover trip cancellation costs if you are diagnosed with COVID-19 or any other illness and you are unable to travel.

Travel insurance plans covering COVID-19 will cost about the same as regular travel insurance plans since the IRDAI has mandated that all travel insurance should cover COVID-19.

While you can get COVID-19 coverage, most travel insurance plans will not cover pre-existing conditions. If you require PED coverage, you’ll need to check with your insurance provider on whether you can get coverage through an add-on.

TPAs are intermediary companies that process travel insurance claims on behalf of the insurer. They help with claims processing, offer assistance during claims, and provide general assistance regarding any processes under your travel insurance plan.

Single-trip travel insurance covers a single trip. Its coverage starts when you depart for your trip and expires when you return to India. Multi-trip travel insurance covers multiple trips in a year.

No, travel insurance plans do not cover trip cancellations due to travel warnings or alerts.

If the country you’re travelling to doesn’t mandate it, then it’s not required, but immigration authorities highly recommend buying travel insurance for longer trips.

Yes, there are several types of travel insurance plans available based on your travel needs. A few popular ones include Schengen travel insurance, international travel insurance, student travel insurance and annual multi-trip travel insurance.

Yes, you can buy a multi-trip travel insurance plan that offers coverage for multiple trips taken within a year if you’re a frequent traveller.

Single-trip travel insurance is best for rare one-off trips or vacations, while multi-trip travel insurance is best for business travellers and frequent flyers.

Most travel insurance plans will cover you anywhere in the world, but you will need to list your travel destinations during your purchase to ensure coverage. It’s also best to confirm coverage by checking policy exclusions and asking your insurer in case they do not cover certain countries.

At TATA AIG, we issue our travel insurance policies instantly. Once your policy is issued, you can call our customer support team on 1 800 266 7780 if you’d like any further assistance.

If your claim was denied, you can call our 24/7 toll-free helpline at 1800 266 7780 or email us at customersupport@tataaig.com. For any escalations, you can email us at manager.customersupport@tataaig.com or approach the Insurance Ombudsman.

Making a claim is easy. You can choose to make the claim online by visiting the TATA AIG website and filling up the requisite travel insurance claim form. If you are unable to make a claim online, you can check your policy documents for our toll-free support centre numbers. Depending on where you are, you can call the number and inform us about the details of your travel insurance claim. Our customer service executives will talk you through the entire process.

If you lose your passport, your insurance will reimburse you for any necessary and reasonable fees paid in obtaining a duplicate or new passport.

• is seized or held by customs officers, police officers, or police authorities.
• Is misplaced because it was left unattended or forgotten at a public area or mode of transportation, hotel, apartment, or private space or vehicle.
• has been robbed and you have not reported the entire incident to the local police within 24 hours. When you make the claim, we will need a copy of the report.

This travel health insurance coverage will pay you for any unfavourable outcomes/losses or accidents that may occur while travelling. This compensation varies according to the kind of loss and is restricted to the 'sum insured' specified in the travel plan.

The type of documentation required is highly dependent on the nature of the insured occurrence. The following documentation must be supplied in the event of a loss covered by travel insurance:

• The travel insurance policy number
• All bills, invoices, hospital certificates, and prescriptions that will allow us to precisely calculate the entire amount of medical expenditures incurred (if applicable)
• The preliminary medical report describes the nature and degree of all injuries or diseases and provides a specific diagnosis
• If another party was involved (like in an automobile accident), provide the names, contact information, and, if possible, insurance information of the other party
• In the event of death, an official death certificate, succession certificate issued in accordance with the 1925 Indian Succession Act, as modified, and any other legal papers verifying the identity of any and all beneficiaries are required
• Age proof (where applicable)
• Other details as requested by us in order to handle the insurance claim.

The following proof must be supplied in the event of an accident covered by the travel policy:

• The precise circumstances of the event, as well as the names of any witnesses
• Any police reports relating to the accident
• The exact date when the doctor was contacted about the injury
• The physician's contact information

In the event of an illness covered by the travel policy, the following documentation must be supplied.

• The date when the illness's symptoms first appeared.
• The date when a physician was contacted about the illness.
• The physician's contact information

No, trip cancellations are covered for illness, accidents and injuries, travel bans, pandemics and natural disasters at your travel locations. If you had to cancel for reasons outside of these

No, you can get coverage for multiple destinations under one travel insurance plan. You will need to inform your insurer that you’re travelling to multiple destinations.

Yes, we do. You can also opt-in for our optional assistance services under travel insurance for further assistance from us during your trip*.

Yes, we offer cashless claim services for hospitalisations overseas. We also have a minimal deductible amount on a plan basis.

COVID-19 medical expenses can be claimed under the pandemic cover if your trip is in any way affected by a positive diagnosis. You can initiate a travel insurance claim on our website.

Travel insurance will cover COVID-19 during your trip or if you contract it before the start of your trip and need to cancel. In other words, it will only cover the resulting hospitalisation costs after a diagnosis or the trip cancellation costs, not the test itself.

You can cancel your travel insurance policy by giving us a notice of at least 7 days. Do note that cancellation is only available for multi-trip plans. Single-trip policies cannot be cancelled.

Yes, you can extend your travel insurance policy once for reasons such as flight delays exceeding 24 hours, pandemic situations and rough weather conditions.

Only multi-trip travel insurance comes with a free-look period of 30 days from the date of receipt of the policy.

You can get a partial refund of the premium, provided you return from your trip at least 21 days before policy expiry and you haven't filed any claims under the plan.

You may get a refund on your premiums if you cancel your policy, provided that no claims were filed. For single-trip travel insurance, a refund is applicable only if you return 21 days before the policy expires. For annual travel insurance, you’ll need to give us 7 days’ notice in writing.

When buying travel insurance, you’ll need to pay the premiums upfront through UPI, cards, EMIs, net banking, or a digital wallet.

Yes, you must inform the insurer within 7 days of the event or loss and no later than 30 days from the date of the actual loss.

Prior authorisation may be required for more complex medical treatments. Claims settlements are generally done on a reimbursement basis, and cashless services are available at network hospitals overseas.

You can contact our customer service team at 1800 266 7780 for further information.

Sub-limits are applicable for policyholders aged 56 years and over for the same illness and injury in case of hospitalisation, day care and OPD treatments. You can opt for plan options with no sub-limits by paying an extra fee. Sub-limits are not applicable to your Schengen travel plans.

For travel insurance claims, you can contact our customer support team at 1800-119966 or 1800-22-9966 (for senior citizen policyholders) or via email: general.claims@tataaig.com. For international claim-related queries, you can contact us at +1-833-440-1575 (Toll-free within the US and Canada) or via email: tata.aig@europ-assistance.in. For non-USA overseas policies Call: +91 – 022 68227600 Email - EA.TATAclaims@europ-assistance.in.

No, you generally do not need to provide or undergo any pre-policy check-ups when buying travel insurance.

You can get an extension on your policy once for reasons such as pandemic situations declared by WHO, flight delays and rough weather conditions.

Yes, you can buy travel insurance if you are travelling on a work permit.

FIRs are required for theft, accidents and any other incidents involving another person during your trip.

n the event of an emergency, you can approach the nearest Indian Embassy or Consulate. In case of claims, you can contact us at +1-833-440-1575 (for US and Canada) Email - tata.aig@europ-assistance.in or Call: +91 – 022 68227600 Email - EA.TATAclaims@europ-assistance.in (for Non-US international travel).

For international claims, ensure you notify us as soon as possible, preferably within 7 days of the incident and that you file a claim within 30 days of the loss. Claims are settled on a reimbursement basis within 30 days from the receipt of the last required document.

We settle claims within 30 days from the receipt of the last required document.

Yes, but you must have registered or notified the insurer of the incident during your trip for the claim to be admissible. Moreover, you can only file claims for incidents or losses that occurred during your trip. Your travel insurance will not cover losses that happen after your trip.

Yes, if you’ve had to cancel your trip due to hospitalisation from an illness, accident or injury, your travel insurance plan will reimburse you for non-refundable costs.

Only multi-trip travel insurance comes with a free-look period of 30 days from the date of receipt of the policy.

No, you need to be in India to buy travel insurance and get coverage for your trip. Your travel insurance policy purchase date and the date from which the policy commences must be before the date on which you plan to start your trip. You can buy a plan as close as the day before your trip.

If you cancel before the risk start date, you will receive a full refund. If it's after the risk start date and because of non-travel, a full refund minus cancellation costs will be issued. You may also get a refund on your premiums if you cancel your policy, provided that no claims were filed. For single-trip travel insurance, a refund is applicable only if you return 21 days before the policy expires. For annual travel insurance, you’ll need to give us 7 days’ notice in writing.

At TATA AIG, your travel insurance policies are issued instantly. Once your policy is issued, you can call our customer support team on 1 800 266 7780 to check its status.

If this happens, we will inform you of the reason why your travel insurance claim has been rejected. You are free to raise another ticket if you’d like us to reevaluate our decision. You can also call our 24/7 toll-free helpline at 1800 266 7780 or email us at customersupport@tataaig.com. For any escalations, you can email us at manager.customersupport@tataaig.com or approach the Insurance Ombudsman.

Making a claim is easy. You can choose to file a claim online by visiting the TATA AIG website and filling up the requisite travel insurance claim form. If you are unable to make a claim online, you can check your policy documents for our toll-free support centre numbers. Depending on where you are, you can call the number and inform us about the details of your travel insurance claim. Our customer service executives will talk you through the entire process.

If you lose your passport, your insurance will reimburse you for any necessary and reasonable fees paid in obtaining a duplicate or new passport.