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International Travel Insurance (COVID - 19 Covered*)
Let’s get you started on your overseas travel insurance journey!
Travel offers us the unique ability to taste fabulous new cuisines and experience myriad cultures. Travelling abroad gives us a chance to relive history or walk in the footsteps of our favourite film and book characters. Travel means to different things to different people. Whether you’re travelling for work or leisure, we’re sure you want to enjoy a safe and enjoyable trip!
Sadly, there are a number of things that could throw a spanner in the works. Lost luggage, a small accident or a medical emergency could all leave you alone in a foreign city. That’s why having international travel insurance is so important. With a TATA AIG international travel insurance plan, you can enjoy all the sights and sounds without sweating the small stuff. Our overseas travel insurance policy will help you deal with whatever untoward situations come your way. From delayed luggage to lost passports or being detected with COVID-19*, we’ll be with you at every step of the journey – literally and figuratively!
*Tata AIG offers coverage for medical expenses related to COVID – 19 when the insured is outside India. Policy T&C apply
Features Of International Travel Insurance
Your International Travel Insurance Policy Provides You With Safety And Comfort While You’re Abroad. Here’s A Look At The Features You Can Enjoy When You Purchase A TATA AIG International Travel Plan:
Cover For Accidents And Sickness
Cover For Accidents And Sickness
Falling sick is always a terrible experience, but falling ill abroad is overwhelming. Our policy will help take care of the costs associated with getting treatment when you’re ill. But that isn’t all. An accident could lead to a short hospitalisation or could end up being fatal. Whatever happens, our international travel insurance plan will help you deal with the costs. From emergency medical treatment to medical evacuation and the repatriation of the insured’s remains, we’ll take care of everything. Our international travel policy will even provide cover for emergency dental services, if required.
Exploring a foreign country can be thrilling. But if something goes wrong, it can be downright scary. If you need any help to identify where you can get medical treatment or how to go about applying for a new passport if yours is lost or stolen, our international travel insurance plan will be there for you.
Baggage Loss Or Delay
Baggage Loss Or Delay
If your bag is stolen, lost or delayed because it was sent to another location or unintentionally left behind, you don’t need to break a sweat. Our international travel insurance policy will help you deal with the cost of purchasing necessary personal items or reimburse you for the cost of your lost luggage.
If you’ve involved in an accident where another individual is hurt or another person’s property is damaged, you won’t have to pay for it out of your own pocket. Our international travel insurance policy will help take care of the cost of necessary medical expenses or repairs.
If you’re the victim of a hijacking, our international travel insurance policy will provide you with distress allowance. We know it can’t make up for the trauma you experience, but we hope it helps.
If you happen to be hospitalised abroad when your international travel insurance policy is set to expire, we’ll extend it for another 60 days or until you’re discharged. If your flight home is delayed and there’s no other way for you to get back home, we’ll automatically extend our cover for another 7 days, so you don’t have to worry about travelling without insurance.
Advantages Of TATA AIG International Travel Insurance
When you’re travelling abroad, we’ll help you take care of the cost of treatment for COVID-19 if you test positive in the middle of your trip & require hospitalization
Pay In Rupees Get Cover In Dollars
When you opt for an international travel insurance policy, your premiums are in Indian Rupees, but you’re covered in USD. So, you can rest easy knowing you’ll get the cover you need at an affordable cost.
Our international travel insurance policies start at just INR 40.82 per day! That’s a small price to pay for care-free travel!
Instant Policy Purchase
You can buy a TATA AIG international travel insurance policy online with just a few easy clicks. We don’t need extensive paperwork on a health check-up!
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What’s Covered Under TATA AIG International Travel Insurance?
Our Overseas Travel Insurance Policy Will Help You Take Care Of A Number Of Situations!
Accident & Sickness Medical Expense
Under the Accident & Sickness Medical Expense, Travel insurance with COVID-19 covered compensates for the medical expenses incurred by the insured because of being diagnosed with COVID-19 outside the Republic of India during the trip duration & is hospitalized. The policy provides coverage against Medical expenses upto the limit mentioned in the policy schedule.
Compensation benefit under Trip Cancellation is offered if the insured, the insured’s Travel Companion or The Immediate family of the insured or the Insured’s Travel Companion are diagnosed with COVID-19 before commencing his/her international trip. We will reimburse you the unused and non-refundable amount of your prior bookings, such as hotel booking, ticket’s cost .You would be eligible for these benefits only if you booked and paid for such services before being diagnosed with COVID-19.
Trip Curtailment/Interruption Benefits
If you are travelling with Travel insurance with COVID-19 covered and you, your Travel Companion, your immediate family or your Travel companion’s immediate family are diagnosed with COVID-19 during your trip, as a result of which, your trip has to be cut short, we will reimburse the trip interruption expenses. These expenses will be inclusive of the pre-paid and unused portion of travel and accommodation expenses, which are non-refundable; additional accommodation and travel expenses incurred due to trip interruption, subject to the sum insured limit.
The travel insurance policy is automatically extended for a period of 7 days if a lockdown is imposed in the destination country and no alternative mode of transport is available. Subject to Terms & conditions.
Landing up somewhere without your personal belongings can be a harrowing experience. We make it easier to manage with these covers:
In case there’s a delay or misdirection of your checked-in baggage by the airline, we will reimburse you The expense of necessary personal effects items so that you can continue with your trip smoothly.
If your checked baggage gets lost in Theft or misdirection by the common carrier or also due to non delivery at its destination we will compensate you for your lost belongings. This is only applicable if your entire baggage is lost, and not for damage or partial loss of your belongings.
A delayed or cancelled flight could wreak havoc on your itinerary. We cannot make up for lost time, but these covers will help you deal with the financial loss.
In case your passport is stolen or misplaced, our Assistance company will provide assistance to the insured by contacting appropriate authorities as well as compensating for reasonable expense in order to get a duplicate passport made.
Any loss of travel and or accommodation expenses paid in advance by or forfeited by the insured after the commencement of the trip, Non-refundable unused portion of travel or accommodation costs or additional accommodation and / or travel expenses will be reimbursed (excluding telephone costs, meals and beverages)
If your trip has been cancelled due to Sickness, Injury or death to: insured; insured’s Travelling Companion; insured’s Immediate Family Member; or insured’s Travelling Companion‘s Immediate Family Member, prior to the contracted departure date we will pay for the loss of deposit up to the maximum as stated in the policy.
Bad weather, a strike of some kind of equipment failure could mean that you miss your departure or connecting flights. If this is the case, you don’t have to worry. Our international travel insurance policy will help you deal with any additional expenses you may incur while trying to get home.
Reimbursement benefit will be paid to the insured due to non-availability of accommodation on account of over booking by the hotels or airlines even though the insured has received confirmation proof of the bookings in advance.
Theft at Home
When you’re in a foreign country, you shouldn’t have to worry about what’s going on at home. If a burglary or attempted burglary leads to any damage to your home or loss of belongings, our international travel plan has your back. We’ll help take care of the costs to repair your home and replace your belongings, as long as your house is not left unoccupied for over 90 days.
While we hope none of our customer have to go through something as stressful as a hijacking, our Tata AIG's international travel insurance policy will offer something known as distress allowance in case the flight that you’re travelling on is hijacked.
A Flight Delay can be an extremely stressful experience, as forwards plans get delayed, which could lead to a financial loss to the insured. Bad weather or a local strike could delay your flight by more than 12 hours. If this is the case, you might have to book another night’s stay at a hotel or incur some other additional expenses. Our international travel insurance policy will help you take care of these expenses if your flight happens to be delayed.
Accidents can happen at any time under any circumstance. If you happen to be involved in an accident where somebody else is harmed or injured, it could cost you quite dearly. Our international travel insurance policy will help cover any damage caused to any third-party individual or property while you’re travelling.
Most often, our loved ones will tell us to be careful with our belongings while travelling abroad but In case your cards are stolen & are used to make unauthorized transaction, our international travel insurance policy will reimburse you for the fraudulent charges, as long as you report the issue within 12 hours of the event.
Your international travel insurance policy term often depends on the length of your trip. But, there are certain situations in which your flight may be cancelled or delayed for several days. We will automatically extend the term of cover of our international travel insurance policy for seven days in case your flight is cancelled or delayed and you don’t have any other travel options available.
We can’t think of anything worse than having to get emergency medical treatment while you’re abroad. Luckily, our overseas travel insurance plan will help you deal with:
Falling sick or meeting with an accident abroad is not only a frightening experience but an expense one as well, Our international travel insurance policy will help you deal with the financial implications that come with meeting with an accident or falling ill while you’re abroad. The policy will cover everything right from a regular illness that requires hospitalisation to dental emergencies and even fatalities. You also have the ability to change the sum insured to suit your requirement. If you happen to fall ill or meet with an accident at the tail-end of your journey, you don’t have to worry. If you’re in hospital and your policy expires, we will continue to cover you for the next 60 days or until you are discharged, whichever is earlier.
On your Travels, you may visit places & experience cultures far from urban civilization & while we hope you have the time of your life, medical emergencies can happen anywhere, Your international travel insurance policy is your friend in times of need. If you require emergency medical evacuation to the nearest hospital, this policy will take care of that. In case you need to be evacuated and brought back to India for medical treatment, your international travel insurance policy will look after that as well.
Accidental Death and Repatriation
We don’t want to think about it, but it’s possible that an accident or medical emergency abroad could end up being fatal. TATA AIG’s international travel insurance policy will provide your nominee with the full sum insured amount if this happens & also take care of the cost of repatriating the individual’s remains back to India.
*Kindly check the policy wordings for a complete understanding of the product offerings, inclusions and exclusions.
What’s Not Covered By TATA AIG's International Travel Insurance Plans?
Unfortunately, Some Things Are Out Of Our Hands. Here’s A Look At A Few Situations Where We’ll Be Unable To Help:
- If you happen to lose your passport or are delayed because or confiscation or detention by the police, customs or other authorities, we will be unable to help out.
- If you do not report the theft of your passport to the relevant authorities within 24 hours of realising it is missing, we won’t be able to provide cover.
- Any loss that you experience due to a war or in war-like situations will not be covered.
- Damages or loss caused by a nuclear reaction, radiation, radioactive contamination or through the dispersal of pathogenic or poisonous materials will not be covered.
- In cases where the insured individual is learning to operate an aircraft or is performing duties as a member of the aircraft crew, losses and damages will not be covered.
- If you have travelled against the advice of your doctor we will not be able to provide you with overseas travel insurance cover.
- If you suffer from a complication or require assistance due to a pre-existing health condition, the medical bills will not be covered.
- Any injuries sustained while serving as a member of the armed forces will not be covered.
- Participation in adventure sports, like skydiving, scuba diving, or mountain diving will not be covered under our international travel insurance plans.
- The medical costs of dealing with self-inflicted injuries, sexually-transmitted diseases, and mental or nervous disorders will not be covered.
- Any treatment required due to injuries sustained under the influence of alcohol, drugs, hallucinogens or other intoxicants will not be covered.
- Loss of baggage will not be covered in cases where you have shipped the items separately or before your travel date.
- We cannot provide cover if your baggage is delayed while you’re in India while you’re leaving for your trip or once you return.
- Your international travel insurance policy will not cover the loss of electronic items such as phones, laptops, or hearing aids. We will also not cover the loss of money, credit cards, debit cards, cheques or other securities.
When, Where And How To Choose International Travel Insurance?
Purchasing an international travel insurance policy requires a lot of thought and consideration. To help you with your decision, here’s a look at some important factors you must consider before choosing an international travel insurance policy:
Your overseas travel insurance policy will depend largely on your destination. It’s important that you check the travel insurance requirements of various countries. For example, certain countries will not issue you a travel visa unless you can show that you have sufficient cover in your international travel insurance policy.
The kind of overseas travel insurance policy you buy will depend on how often you intend to travel. If you travel very frequently, a multi-trip travel insurance plan might be ideal for you. These plans allow you to enjoy multiple trips without you having to apply for a new travel insurance policy each time. On the other hand, if you only travel once in a while, then a single trip travel insurance policy might be better for you. You can easily apply for your travel insurance policy online and have it issued instantly without the need for a pre-policy check-up.
Duration Of The Trip
While picking an Oversea travel insurance plan, you must keep the length of your trip in mind. It’s a good idea to pick an international travel insurance policy of a duration that slightly exceeds your actual trip dates. Ideally, you should be able to find a plan that offers cover for more days without it affecting your premium. This way, if you have to extend your trip for a few days, you don’t risk losing your cover.
If you’re travelling alone, you can purchase a international travel insurance policy just for yourself without any worries. If you’re travelling with your family, you should add each member to your international travel insurance policy. Make sure you tell us how many of you are travelling before you purchase the policy and we’ll do the needful. This makes it much easier for you to keep track of everybody’s paperwork
This is possibly one of the most important factors that will influence your decision. Every travel insurance policy has a limit as to how much they will pay for various claims. For example, you will receive a specified sum in case your bags are lost or stolen. Even in medical emergencies, you must keep your sum insured amount and claim limit in mind. If you have a low claim limit, it may not be enough to take care of all kinds of medical emergencies while you’re travelling abroad. Depending on where you’re going and how long you’re travelling for, you should pick a suitable sum insured for your international travel insurance policy. A higher sum insured will lead to a higher premium, but it will come in handy if you require to file a claim while you’re travelling.
Things To Consider While Planning An International Trip Trial
Planning A Trip Abroad Can Be Exhausting. There’s A Lot Of Research And Paperwork Involved. Here’s A Look At Some Important Things You Must Know Before You Head Off On Your Next Adventure!
International Travel Insurance Online
First things first, secure your trip. Buying an international travel insurance policy online with TATA AIG is super simple. All you have to do is follow these simple steps:
Step 1: Tell us where you’re going, when you’re going and when you’ll be back.
Step 2: Let us know how old you and the other travellers are.
Step 3: Browse through the options and select the plan you like.
Step 4: Provide us with a few more details, including your passport number, contact details, etc.
Step 5: Make your payments and go to your email inbox – your travel insurance policy will be there!
Understanding When You Need Travel Insurance
If you ask us, you need international travel insurance every time you head abroad. But, it isn’t always mandatory. Several countries will allow you to enter without a travel insurance policy. But, if you’re heading to any of the countries listed below, you’ll need to have a good travel insurance plan to get your travel visa approved. International travel insurance is mandatory when travelling to:
Ecuador and the Galapagos Islands
United Arab Emirates
United States of America
Where Can Indians Get a Visa on Arrival?
The visa process is often incredibly overwhelming. Luckily, you can enjoy a trip abroad without having to go through the whole process. Here’s a look at a few places you can visit where Indians either don’t need a visa at all or where they can get a visa on arrival
|Cape Verde||Comoro Islands||Ethiopia|
In North America:
|British Virgin Islands||Grenada||Haiti|
|St Kitts & Nevis||St Lucia||St Vincent & the Grenadines|
|Trinidad & Tobago||Turks & Caicos|
In South America:
|Cook Islands||El Salvador||Fiji|
Do Indians Need Insurance to Travel to Schengen Countries?
Absolutely! If you’re heading to any of the 26 central European countries counted as a Schengen country, you need to have a good international travel insurance policy in place. Apart from helping you get your visa application approved, your travel insurance plan will help take care of you in case something goes wrong while you’re travelling.
For more information during the preparation of your trip to a Schengen Country, check out our below resources
Schengen Travel Insurance
Schengen Visa Types & Process
What Should Be Carried?
While we’re sure you’ve got your clothes and other personal effects sorted, there are a few things you absolutely have to have while travelling abroad. Here’s a quick checklist of things you should bring:
- Your passport – and make sure it doesn’t expire within the next 6 months, or you could be in trouble
- Travel adapters so you can charge your phone, laptop, camera and other personal electronic devices
- A medical kit – basic paracetamol, personal medication, bandages and plasters, pain killers and anti-allergy medicines are all necessary
- Sunscreen and moisturizer so you can explore the length and breadth of your destination without worrying about the effect it has on your skin
- International travel insurance to help you deal with any kind of bumps along the way
- A Forex card so you can shop till you drop and pick up amazing souvenirs
- A camera to capture all kinds of amazing visuals and memories
- Weather-appropriate clothing – from umbrellas and raincoats to light cotton tops and pants, you should always check the weather before you pack
- Comfortable shoes so you can walk, hike and really explore
Some Important Precautions
It doesn’t matter if this is your first international trip or your 50th one, there are a few important precautions you should always keep in mind:
- Keep your passport in a safe place. Your hotel locker is ideal. Carry a copy of your passport with you at all times as your identity proof.
- Avoid carrying too much currency on you. Use your card instead or withdraw as required. Be vigilant while using ATMs and check your card and the cash after every transaction.
- Make sure you read up on your chosen destination and make yourself aware of any kinds of common scams that target tourists.
- If you’re carrying a bit of currency, make sure you don’t put it all in one place. Keep some money in your wallet, some in hidden pocket in your bag and some in your pocket. That way, if somebody were to steal your money, they won’t be able to get all of it.
The outbreak of COVID-19 curbed international travel for a while. Currently, Indian citizens are able to travel on Vande Bharat flights or approved carriers to countries with which we have a travel bubble. Most countries will require you to have an international travel insurance policy that covers the cost of COVID-19 medical care. With TATA AIG, you don’t have to worry. Our international travel insurance plans will help you deal with the medical costs attached with treating COVID-19 if you happen to test positive while you’re abroad. To read more click here
For More Covid-19 Related Information And UpdatesClick Here
If I Am Diagnosed With COVID-19, Who Do I Need to Contact to Seek Assistance?
For America’s policies, you can either call us at +1-833-440-1575 (Toll-free within the US and Canada) or write to us at email@example.com
For other policies, you can either call us at +91 – 022 68227600 (Call back facility available) or write to us at firstname.lastname@example.org
Will I Require Any Special Documents While Filing a Claim for COVID-19?
No, you need not submit any special documents while filing a claim under COVID-19 cover. You just need to submit your report stating that you have tested positive for COVID-19 along with other documents for expenses being claimed.
If I Am Tested Positive for COVID-19, And am Instructed to maintain a Home Isolation, Will My Medical Expenses Be Covered?
No, medical expenses incurred during home isolation are not covered. However, if you are hospitalized, your medical expenses will be covered.
I travelled to a destination with Tata AIG travel insurance covering COVID-19 and get diagnosed with COVID-19 during the trip and am hospitalized for treatment. But, during the days of my hospitalization, the policy expires. In this case, will my post-policy expiry medical charges be claimable?
In such a case, Post your policy Expiry, your medical charges will be claimable till the date of discharge or upto 60 days, whichever is lesser, provided you are hospitalized during the policy period.
Did Not Find What You Were Looking For?
Frequently Asked Questions
Do I need international travel insurance to get a visa?
This depends entirely on your destination. Certain countries require you to have adequate cover under your international travel insurance plan before they issue you a visa. On the other hand, several countries allow Indians visa-free entry or visa on arrival.
Does the TATA AIG international travel insurance policy come with a free-look period?
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.
What is evacuation and repatriation coverage?
Evacuation and repatriation coverage is helpful in times of medical and fatal emergencies. Under this cover, our international travel insurance policy will help take care of the cost of using medically-equipped flights to transport the injured individual or repatriate the mortal remains of the insured back to India.
What is the best travel insurance policy?
Picking the [Best Travel Insurance](https://www.tataaig.com/knowledge-center/travel-insurance/best-travel-insurance-plan) depends entirely on your needs. If you only intend on taking one trip a year, you might find that a single-trip policy best suits your needs. On the other hand, if you travel incredibly often for work, you might find that a multi-trip or annual policy is the best travel insurance plan for you.
Will I need to complete a medical exam before purchasing travel insurance?
Not at all. Buying international travel insurance from TATA AIG is quick and easy. Simply visit our website, provide us with your destination, dates of travel, age and a few personal details. You can purchase the policy online without having to undergo a medical exam or check-up.
I had to cancel my trip for personal reasons, but I already bought travel insurance. Can I get a refund?
Yes, absolutely. You can cancel your policy at any time before the policy start date, which will be the same as your planned travel date. We will refund the money to you.
Are there any age limits for travel insurance?
Yes, children must be at least 6 months old to get cover under our policies.
When does my international travel insurance policy coverage start?
Your overseas travel insurance policy cover starts from the day you commence your trip or the date specified in the policy – whichever is later.
I am immigrating to another country. Should I buy international travel insurance?
Travel insurance policies are only intended for those individuals who plan to return to India. We’ll cover travel for work, leisure, or even studying abroad. But, if you’re migrating, our travel insurance policies will not provide any cover.
If I’m travelling to multiple countries as part of one trip, do I need two overseas travel insurance plans?
No. You can purchase a single international travel insurance policy to cover you for the duration of your whole trip. You won’t need multiple policies.
What happens if my claim is rejected?
There are a number of situations in which claims against your overseas travel insurance policy might be rejected. 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 revaluate our decision.