Single Trip Travel Insurance

A single-trip travel insurance plan is an insurance plan that protects the insured on a single trip to a specific location worldwide. It is a highly suitable option for occasional travellers who need coverage for a particular trip.

TATA AIG offers various travel insurance plans with comprehensive coverage to secure your domestic and international trips. It includes coverage for medical emergencies, baggage loss and delay, passport loss, personal liability, hijack cover and so on.

You can choose from the following policy options offered by TATA AIG:

• TATA AIG Travel Insurance - International

• TATA AIG Travel Insurance - International plus

• TATA AIG Travel Insurance – Student

• TATA AIG Travel Insurance - Domestic

• TATA AIG Travel Insurance – Asia

The following table will give you a brief understanding of single-trip insurance, stating its eligibility, coverage, duration, etc.

The following table will give you a brief understanding of single-trip insurance, stating its eligibility, coverage, duration, etc.

Affordability- TATA AIG offers single-person travel insurance at budget-friendly prices. You can benefit from the policy's wide coverage starting at ₹24.8 per day, depending on the policy and coverage you opt for.

Medical Benefits- Single trip insurance provides medical benefits that protect you against medical emergencies, sicknesses, illness, etc. Thus, if you fall sick on your trip, you can get adequate financial assistance to pay the medical bills as per the policy.

Personal Liability Coverage- Your single-trip insurance also provides third-party liability coverage. If a third party happens to suffer the loss of life, property, etc., due to an accident involving you, the policy may indemnify you for the costs payable to the third party.

Customisation Options- Some travel insurance plans also allow you to customise coverage to meet your specific requirements. For instance, you can enhance the coverage by including add-on bundles and other benefits.

Instant Policy Issuance- You can get the policy issued in no time as there is no requirement for any medical test. Once you provide the details and choose the plan, you can pay the premium and get the policy.

Coverage in Dollars- When you travel internationally, the costs incurred are in foreign currency. TATA AIG provides coverage in dollars to facilitate easy transactions and save you from financial losses.

Covers Wide Geographical Scope- The best feature of the TATA AIG travel insurance plan for a single trip is that it covers a wide geographical landscape under its umbrella. Regardless of the country or area you want to travel to, we have a plan to assist you in every corner of the world.

Hassle-Free Claim Settlement- When you encounter an unfortunate incident on your journey and make a claim, settle the claim in the least possible time and a hassle-free manner. With a simple claim initiation process, we strive to make your lives less stressful.

TATA AIG offers several plans under one-time travel insurance, each with varied coverage and benefits. Here is an overview of three plans in terms of the financial coverage they offer.

Inclusions are those benefits or coverage that are a part of the single-trip travel insurance. It is essential to be aware of the inclusions so you can choose the policy according to your requirements.

Coverage for Sickness and Accidents

If you happen to fall sick or have an accident on the trip, the policy will cover the hospitalisation and treatment costs as per the policy terms and conditions. The exact reimbursement and limit will vary depending on the plan you choose.

Baggage Loss and Delay

TATA AIG travel insurance may also reimburse you with the necessary amount required to purchase personal belongings if your baggage is delayed after you reach the destination. Moreover, if your baggage is lost during transit, the policy may cover the loss as per the terms.

Accidental Death and Dismemberment

The policy includes coverage for the death and dismemberment of the insured due to an accident or while travelling as a passenger in a common carrier. However, the death must occur within 365 days from the date of the injury.

Passport Loss

You may receive an amount equivalent to the necessary expenses that you may have to incur to get a new or duplicate passport while on a journey.

Medical Evacuation

It includes the expenses for evacuating the insured to the nearest hospital after an accident or illness or evacuation to India for emergency medical treatment.

Automatic Policy Extension

If the insured’s return flight gets delayed and there is no arrangement for an alternative transportation, the policy may be extended up to 7 days. Thus, the insured will continue to receive the policy benefits during the extended period without a charge.

Trip Curtailment & Cancellation

In case you have to shorten your trip for any reason, you may receive the unused, non-refundable cancellation charges of the hotel and flight expenses. Similarly, if, for any reason, you have to cancel your trip, you may receive the unused and non-refundable portion of the hotel and common carrier cancellation charges.

Repatriation of Remains

In the unfortunate death of the insured due to sickness or accident, the policy covers the cost of repatriating the mortal back to India.

Missed Flight Cover

Any additional expense incurred by the insured due to missed departure or missed connecting flight shall be reimbursed as per the terms of the policy.

Burglary

Suppose the insured’s residence is burglarised while he is away on a trip. In that case, the single-person travel insurance may cover these losses.

Hijack Cover

If the flight carrying the insured gets hijacked, the insured may receive a hijack distress cover to compensate the insured for the trauma.

Fraudulent Charges

Any fraudulent charges incurred using the insured’s lost payment card may be reimbursed under the travel insurance plan.

Bounced Flight/Hotel Booking

If your hotel or flight booking gets bounced as a result of overbooking by the relevant authorities, the insurance plan shall reimburse the cost of the booking based on the sum specified in the policy.

Here are some inclusions exclusive to the TATA AIG Travel Insurance - International plus policy.

Loss of International Driving Licence

Suppose you have lost your international driving licence. In that case, you may receive the sum insured for applying for or obtaining a duplicate licence overseas or within 30 days from the date of return to India.

Compassionate Travel

If the insured faces a medical emergency, the policy may provide for the travelling and stay expenses for one immediate family member so they can attend to the insured.

Loss of Cash

If you happen to lose cash due to theft or robbery during your insured journey, you may receive a reimbursement under the travel insurance policy.

Pandemic Cover

The policy may also reimburse you for the necessary expenses for quarantine if you are diagnosed with a disease declared a pandemic by the WHO or the government.

Rental Vehicle Cover

The policy may also cover the expenses incurred by the insured for arranging an alternate rental vehicle if the original vehicle is stolen, damaged or meets with an accident. It may also cover the cost of the delay charges levied by the rental company if the rented vehicle in your custody meets with an accident, resulting in a delay.

Visa Rejection

If your visa gets rejected for no negligence or fault of yours, you may receive a reimbursement of the visa fees you paid for the insured journey.

Also Read: What is the Best Time to Buy Travel Insurance

• It excludes cover for any pre-existing disease, which leads to complications on the trip.

• When an insured travels against the doctor’s advice.

• Any injury or death arising due to self-infliction, suicide attempt, etc.

• Any illness due to sexually transmitted conditions.

• Any injury occurring as a result of participation in a riot, crime, civil commotion, etc.

• A loss arising as a result of civil war, war, invasion, etc.

• Any medical illness arising due to performing any manual work under employment.

• An injury due to participation in winter sports, adventure sports, etc., unless otherwise covered under the policy.

• Injuries sustained as a result of being under the influence of alcohol or drugs.

• It does not cover expenses for injuries if the insured is serving in the military.

• Any complications or illness due to pregnancy.

• Non-medical expenses, as mentioned in the policy.

• If the insured is learning to operate an aircraft or is on duty as a crew member.

• If congenital anomalies, osteoporosis or complications arise due to working in a dangerous occupation or manual employment.

Coverage: It is very important to know the exact coverage of your travel insurance so you do not have to incur any hefty out-of-pocket expenses during an emergency. Most TATA AIGs travel insurance plans offer wide coverage, including health emergencies, trip-related issues, flight delays, etc.

The Destination: Some policies are specifically curated for specific destinations. Thus, before you buy a policy, make sure your destination is covered. With TATA AIG Travel Insurance - International Policy, you can travel worldwide.

Policy Premium: Anyone who sets out to buy travel insurance has a pre-fixed budget, so the policy premium is a crucial consideration. Moreover, the cost of travel insurance also varies significantly according to the destination, add-ons, etc. With TATA AIG, you can get affordable travel insurance starting at ₹24.80 only.

Duration: Policies may have a limit on the duration for which they cover you. Hence, it is crucial to choose a policy that covers the length of time you wish to travel. An ideal insurance plan would provide the insured with comprehensive coverage over multiple durations to suit their requirements. TATA AIGs insurance plans cover durations beginning from 30 days up to 180 days, depending on the plans.

Claim Procedure and Settlement Time: An efficient and wide coverage travel insurance may not turn out to be good if the claim procedure and settlement time are not in place. Thus, travellers must look for a company that offers a simple claim process and quick settlement time. TATA AIG travel insurance comes with a simple and digital claim process and a 30-day claim settlement record.

• Navigate to the official website of TATA AIG and choose your travel insurance.

• Choose the travel purpose. Then, choose the destination and click on “Get Plan.”

• Provide the personal details as required on the following page.

• Choose the preferred plan as per your requirements and click on “Buy Now.”

• Make the premium payment through one of the online methods and you will receive the policy instantly.

Useful Links: Domestic Travel Insurance Claim Form,
Overseas Travel Insurance Claim Form

As mentioned above, TATA AIG offers a straightforward and time-saving process for making an insurance claim for your single-trip plan. Here are the simple steps to follow to receive your claim amount.

• If you encounter any emergency during your trip, contact the TATA AIG team as soon as possible or within 7 days and no less than 30 days to initiate the claim process.

• To contact us, you can use our official claim support page, or you can connect with one of our assistant companies in the following ways:

• Toll-free number: +1-833-440-1575 (Toll-free within the US and Canada) for filing claims overseas.

Email: EA.TATAclaims@europ-assistance.in, tata.aig@europ-assistance.in

• Keep copies of police complaints and FIR if any theft or similar incident has occurred. Also, preserve the hospital bills, hospitalisation invoices, etc.

• After receiving the claim request, we shall verify the facts and settle the claim within 30 days, with a maximum of 45 days from the date of receipt of the claim intimation and documents.

Also Read: Top 5 Reasons to Have Travel Insurance

Broad Coverage: TATA AIG travel insurance plans are designed to offer broad coverage to travellers. It ensures that you are adequately protected while you are away from home.

Easy Purchase and Claim Process: The purchase and claim process for all TATA AIG travel insurance policies can be completed online. You can perform all the steps at your fingertips and easily get the policy and file a claim within minutes.

Fast Claim Settlement: Our team works efficiently to look into all the claims and settle them as soon as possible. We strive to settle your insurance claim within 30 days or a maximum of 45 days.

Add-On Covers: You can smoothly navigate through the travel hurdles with TATA AIG options such as bundled add-ons and assistance services. These additional options provide you with an added advantage and keep you secured on your trip.

Affordable Premiums: Affordability is one of the most unique features of TATA AIG insurance plans. You can avail of our travel insurance plans starting at ₹24.80 only. Such an affordable premium allows you to secure yourself on your trips efficiently without burdening your pockets.

Flexible Plans: TATA AIG travel insurance plans offer various options in terms of travel duration, which adds flexibility to the plans. You can opt for insurance plans with varying durations, starting from 30 days up to 180 days. Thus, you can choose a plan that suits your travel duration.

Multiple Options: You can choose from a variety of travel insurance plans offered by TATA AIG depending on what you exactly require. For instance, if you are going on an international trip and need enhanced coverage, you can opt for the TATA AIG Travel Insurance - International plus plan, which offers comprehensive coverage and optional add-on features.

When preparing to travel, you must ensure that you brace yourself with all the necessary security, one of which is travelling insurance. It is a safety net that protects you and supports you in case of uncalled emergencies outside your homeland.

TATA AIG offers international travel medical insurance plans that are highly efficient and affordable and provide wide coverage.

You can opt for our domestic or international travel insurance as per your requirements and benefit from a cashless medical facility, passport loss, cash loss or fraudulent charges cover, flight delays, etc.

You can also enjoy various other benefits related to trip security based on the type of plan that you choose. TATA AIG’s travel insurance policy offers trip assistance, personal liability cover, policy extension, trip curtailment, and many other benefits. Moreover, you can buy the policy online in just a few steps sitting at home.

So, if you are gearing up for a trip, remember to secure it with efficient travel insurance!