Family Travel Insurance
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Family Travel Insurance
Travelling with family is a joyful experience. New experiences can create lifelong memories. But, unexpected situations like medical emergencies, baggage losses or flight cancellations can lead to financial stress.
That is where a travel insurance policy steps in. It provides essential financial protection when you need it the most. With a family travel insurance policy, you can cover all your loved ones under a single plan.
TATA AIG offers comprehensive family travel insurance in India with a wide age limit and flexible options. You can customise your family travel insurance to suit your family’s specific needs and pay only for the coverage you actually need.
What Is Family Travel Insurance?
Family travel insurance is a type of travel insurance policy that allows you to share the sum insured among the individual members of a family. You can include yourself, spouse, son, daughter, father, mother and other relatives. It covers medical expenses, accidental death, trip cancellations, delays or loss of checked-in baggage, and more.
For example, imagine you are travelling to Canada with your spouse, two children, and your mother. During the trip, if your first flight gets delayed and you miss the second one, you might lose money on all the travel tickets. But with a family travel insurance policy, you can get the cost of non-refundable travel tickets reimbursed up to the specified limit.
TATA AIG Family Travel Insurance plans offer comprehensive protection against a wide range of travel-related risks. For example, we cover loss of cash due to theft or robbery during your family travel, missed pre-booked tours or packages, loss of contents at your home in India due to a burglary, and more.
Family travel insurance in India, for both domestic and international trips, is a cost-effective way to cover potential risks that may result in significant expenses, especially when travelling with a family.
Why Should You Buy Family Travel Insurance?
- To Cover All Members Under a Single Policy
Travel insurance coverage is essential for every member while travelling. A family travel insurance plan allows you to cover all members under one single policy. You can buy travel insurance online, and it is simple and convenient to manage.
- To Cover Unexpected Medical Emergencies
Travelling with family means dealing with different age groups and varying health needs. With our international family travel insurance plans, you can get unlimited sum insured with coverage ranging from 1,00,000 USD to 10,00,000 USD per incident or loss.
- To Cover Travel-Related Risks
Travel-related risks, such as trip cancellation, loss of passport, and personal liability, can affect your travel with family. Our family travel insurance policy provides comprehensive coverage against a wide range of risks.
Also Read: Travel Medical Insurance
TATA AIG Family Travel Insurance Plans
| Travel Insurance for Family | Key Features and Sum Insured |
|---|---|
| Travel Insurance - International |
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| Travel Insurance - Domestic |
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| Travel Insurance - Asia |
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| Travel Insurance - International Plus |
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Disclaimer - TATA AIG Travel Insurance - International UIN: TATTIOP25040V042425, TATA AIG Travel Insurance - Domestic UIN: TATTIDP25043V042425, TATA AIG Travel Insurance – Asia UIN: TATTIOP25042V052425, TATA AIG Travel Insurance - International Plus UIN: TATTIOP25045V022425
Please note: We have highlighted the key features here. For complete details and specific terms and conditions, kindly refer to the policy document available in our Downloads section.
Family Travel Insurance - Eligibility Criteria
| Particulars | Details |
|---|---|
| Age | 3 months - 70 years |
| Family | Self, spouse, children, parents and other relatives |
| Coverage | Domestic and worldwide |
| Number of Members | Up to 5 members or even more |
Please note: Eligibility criteria are subject to specific policy terms and conditions. Kindly refer to the respective policy document for exact information.
Inclusions: What is Covered Under a Family Travel Insurance Policy?
- Loss or Delay of Checked-in Baggage
Covers the delay or total loss of the checked-in baggage by the common carrier
- Loss of Passport
Covers the fee payable for obtaining an emergency certificate and applying for a new passport in India.
- Trip Curtailment/ Cancellation
Covers the eligible expenses incurred by you in case you have cut short or cancelled your trip for the specified reasons.
- Missed Flight
Covers missed flights due to specified reasons, such as an accident involving your vehicle while travelling to the airport or public bandhs or shutdowns.
- Accommodation Extension
Covers the cost of extending accommodation due to specified reasons, such as delayed departure caused by adverse weather conditions.
- Flight Delay and Flight Cancellation
Provides coverage for delays and cancellations of your international flight.
- Loss of Cash
Covers any loss of currency resulting from theft or robbery during your insured journey.
- Medical Expenses
Covers expenses related to the treatment of illnesses, accidental injuries, accidental death and disablement, emergency medical evacuation, inpatient treatment, and more.
- Personal Liability
Provides coverage for legal claims arising from bodily injuries caused to third parties or property damages caused by the insured.
- Repatriation of Remains
Covers the cost of returning the mortal remains of the insured to India in the event of an unexpected death.
Please note: Coverage inclusions and conditions vary depending on the type of policy. For complete details, please refer to the specific policy document on our Downloads page.
Exclusions: What is Not Covered Under a Travel Insurance for Family?
- Influence of Intoxication
Expenses arising from incidents occurring under the influence of alcohol, drugs or other intoxicating substances is not covered.
- Participation in Outdoor Activities
Claims arising from participation in activities, such as winter sports, skydiving, bungee jumping, or scuba diving, are not covered.
- Medical Reasons
Travelling against a doctor’s advice, waiting for or undergoing a specific treatment or travelling for receiving a treatment is not covered.
- Pre-Existing Diseases
Any pre-existing medical conditions or complications arising from them are not covered unless it is a life-threatening condition.
- STD, Suicide or Self-Inflicted Injuries
Claims related to sexually transmitted diseases, suicide or attempted suicide, and self-inflicted injuries or illnesses are not covered.
- Pregnancy
Any loss that happens directly or indirectly due to pregnancy or childbirth is not covered.
- Congenital Anomalies
Any medical condition present from birth, or any complications arising from such health conditions, are not covered.
- War and Terrorism
Any loss, damage, or expense caused by war, rebellion, terrorism or similar acts are not covered.
Please note: This is not a complete list of exclusions. For detailed and policy-specific exclusions, refer to your policy document.
Benefits of Family Travel Insurance?
| Financial and Emotional Stability | Cost-Effective |
|---|---|
| Unexpected incidents during your trip can be both financially and emotionally stressful, especially when you travel with family. A family travel insurance policy helps protect your family in such scenarios | Buying travel insurance policies for each family member can be expensive. Family travel insurance is a budget-friendly option for families seeking protection against various risks, especially while travelling abroad |
| Simple Processes | Customisable Policy Options |
| Purchase family travel insurance and claim benefits through a quick and hassle-free process. It is simple, straightforward, and designed for your convenience. | You can choose from multiple travel insurance options. Decide the number of family members to include, the sum insured required, and more based on your family’s specific needs |
| No Medical Tests Required | Customer Support |
| To purchase a family travel insurance policy, no medical tests are required. This simplifies the process and helps you get coverage quickly. | While travelling with your family, you will get dedicated customer support for all claim-related assistance. You can focus on making memories without worrying about unexpected financial expenses. |
Factors to Consider Before Purchasing Travel Insurance for Families
Family Members
Determine how many family members are travelling with you and assess their health conditions. This helps in selecting an appropriate sum insured to cover the various travel-related risks during family travel.
Destination
Research the destination country. Consider healthcare costs, weather-related risks that could lead to flight delays, and other location-specific details.
Medical Cover
Check the medical expense coverage offered under the policy. Understand what expenses are covered and the conditions that apply. This includes hospitalisation, OPD care, and any sublimits.
Journey Cover
Check the coverage for travel-related disruptions, such as trip cancellations, trip curtailments, missed flights, and flight delays. This ensures you are financially protected against unexpected expenses for the entire family.
Baggage Cover
When travelling with family, you are likely to carry more baggage than usual. Check the options available for coverage against baggage delay and total loss to ensure adequate protection.
Add-ons and Other Services
In addition to standard coverage, travel insurance for families may also include add-ons and additional benefits such as emergency extension of policy, assistance services, and more.
Policy Inclusions and Exclusions
The features and benefits of the policy are subject to specific terms and conditions. It is important to understand what is covered and what is not covered under your family travel insurance plan.
Premium
Use our travel insurance premium calculator to compare the premium for the different policy options. Select the best family travel insurance that offers adequate coverage for all members while staying within your budget.
Why Buy Family Travel Insurance from TATA AIG?
| Wide Range of Policy Options | Instant Purchase Options |
|---|---|
| TATA AIG offers a variety of travel insurance plans, each with multiple policy options. You can choose a policy that suits your family’s specific needs. | Family travel insurance plans can be purchased online instantly. You simply need to provide a few basic details and complete minimal documentation. |
| Compare Products Online | Affordable Travel Insurance |
| Easily [compare travel insurance online](https://www.tataaig.com/travel-insurance/compare-travel-insurance) with TATA AIG to determine the right coverage and choose the most suitable policy for your family. | TATA AIG offers domestic travel insurance plans starting at ₹26 and international travel insurance plans starting at ₹24.8 per day. |
| Comprehensive Coverage | Assistance Services |
| Get protection against medical emergencies, pandemics, personal liability, loss of passport, rental vehicle damage, and more. | TATA AIG provides support with travel arrangements, legal assistance, emergency cash transfers, help during medical emergencies, lost passports, and more. |
How to Buy Travel Insurance for a Family?
Navigate to Family Travel Insurance Products
Navigate to the family travel insurance calculator at the top of this page or visit the official TATA AIG website -> Personal -> Travel Insurance.
Provide Essential Details
Select the purpose of travel (Leisure, Business, or Studies), your destination, travel dates and click on “Get Plan”.
Provide Further Details
Enter the travellers’ details, including the number of members and their relationship with you, then click on “See Plans”.
Compare and Choose
Check the list of recommended travel insurance plans. Compare their features, benefits, and premiums to select a suitable travel insurance for the family.
Pay Premium and Buy
Click on “Buy” and pay the applicable premium to buy travel insurance online. Once your application is processed, the policy document will be sent to your registered email address.
Travel Insurance for Family: Claim Process
Inform Us
Intimate TATA AIG about the incident and your claim. The contact details for both domestic and international travel insurance plans are provided below.
Gather Essential Documents
Collect the documents required and submit them to process your claim. Get assistance from our customer support team in case of any clarification.
Support the Claim Process
Coordinate with our team and extend your support with prompt responses to process your claim quickly.
Verification and Claim Settlement
We will verify your documents to process your claim. Upon approval, we will settle your claim directly with the provider or reimburse you for the eligible expenses.
Also Read: Travel Insurance Extension
Contact Information
International Travel Insurance
Contact the Assistance Company: Europ Assistance India for claim intimation, claim-related queries, and submission of documents.
Contact Details
When you are abroad:
- For Worldwide coverage (USA & Canada):
Toll-Free: +1-833-440-1575
Email: tata.aig@europ-assistance.in
- For Other regions:
- Call: +91-22-68227600
Email: EA.TATAclaims@europ-assistance.in
When you are in India:
Toll-Free Numbers:
- 022 6489 8282
- 1800 267 1955 (for senior citizens)
Email: general.claims@tataaig.com
Postal Address:
TATA AIG General Insurance Company Limited
7th & 8th Floor, Romell Tech Park, Cama Industrial Estate,
Western Express Highway, Goregaon (E), Mumbai – 400063
Domestic Travel Insurance
Contact TATA AIG for claim intimation, any claim-related queries, and submission of documents.
Contact Details
Toll-Free Numbers:
- 1800 119966 (from BSNL/MTNL landlines)
- 1800 267 1955 (for senior citizen policyholders)
Email: general.claims@tataaig.com
Postal Address
A&H Claims Department
TATA AIG General Insurance Co. Ltd.
7th & 8th Floor, Romell Tech Park,
Cama Industrial Estate, Western Express Highway,
Goregaon (E), Mumbai – 400063
Conclusion
Family travel insurance is a smart and cost-effective way to secure the well-being of your entire family while travelling.
As you explore family travel insurance options, you will come across a wide range of plans with varying coverage features and benefits. Evaluate your family’s specific needs, compare the available options, and choose the best travel insurance policy for your family.
Whether you are planning a domestic getaway or an international vacation, we have a comprehensive travel insurance policy for your family. If you are travelling with an elderly family member and feel they may need more personalised protection, consider purchasing a senior citizen travel insurance policy.
Explore TATA AIG’s family travel insurance plans for reliable coverage and global assistance wherever your travel takes you.
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
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