Single Trip Travel Insurance
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Single Trip Travel Insurance
What is Single Trip Travel Insurance
A single trip travel insurance plan is a type of travel insurance that covers unforeseen risks, including medical emergencies, flight delays and lost luggage, on a single trip in India or abroad. It provides reimbursement, cashless treatments and emergency services covering a single journey, such as a weekend getaway, family vacation, honeymoon trip or a business trip, starting from the moment you depart and ending when you return home.
Whether it is a trip cancellation, lost or delayed baggage, passport loss, personal liability or a missed connecting flight, single trip insurance can help cover the associated financial losses or expenses. Through our Global Assistance Partners, you can also get assistance during emergencies, such as hospitalisation or being stranded in a foreign country without your belongings.
TATA AIG’s Single Trip Travel Insurance plans cover both domestic and international trips across 190+ destinations and offer features like comprehensive coverage, 24/7 worldwide support and cashless hospitalisation. Our plans cover single trips up to 180 days with the option to include 5+ family members of all age groups.
Is a Single Trip Travel Insurance Right for Me?
A single trip plan is the best travel insurance for covering an occasional trip. It provides cost-effective financial protection for a single trip against a wide range of unforeseen events, such as flight delays, bounced hotel bookings, sudden illness, accidents, among others.
You may consider getting a single-trip policy if you fall under one of the following categories of travellers:
| Occasional Leisure Travellers | Countries with Insurance Requirements for Visa | Visiting Friends and Relatives in a Foreign Country | Occasional Business Trips |
|---|---|---|---|
| If you occasionally travel to different destinations, you can buy a single trip plan for every trip so that you are financially secure and can enjoy your vacation. | Many countries, including European countries in the Schengen Zone, have mandatory insurance requirements for visa entry. | If you are going on a long-duration stay in a foreign country, getting a travel insurance plan covers the risk of medical and travel emergencies. | Single trip insurance is perfect if you need to go on a business or professional trip and need cost-effective coverage. |
TATA AIG’s single trip travel insurance plans offer the following advantages and coverage benefits, ensuring a secure holiday or business trip:
| High Coverage with No Sublimits | Customisable Coverage |
|---|---|
| Get a sum insured for medical expenses of up to US$1 million and the option to remove sublimits on select plans by paying an additional premium. | Customise your single trip plan with 6+ add-on bundles, including Travel Plus Bundle, Accident Bundle and Passport Shield Bundle, to cover your unique travel needs. |
| Pre-Existing Disease Covered | Worldwide Coverage |
| Pre-existing disease covered up to the sum insured for life-threatening conditions. | Travel coverage across the world, including 190+ destinations, with special plans for Asia and Schengen countries. |
| Attractive Premium Discounts | Cashless Medical Claims and Quick Settlements |
| Get up to a 10% discount on adding family members and get a 5% loyalty discount . | Access cashless facilities for medical expenses and instant claim settlements for flight delays and cancellations. |
| Long Single Trips Insured | No Medical Tests Required |
| Travel cover up to 90 days for domestic single trips and 360 days (extendable to 365 days if mandated by an Embassy) for international trips. | No medical tests or pre-policy checkups required to buy insurance for a single trip. |
TATA AIG Single Trip Travel Insurance Plans
TATA AIG currently offers four one-trip travel insurance plans: International Plus, Asia, Student, and Domestic. Each travel policy provides different coverage benefits, sum insured limits and eligibility requirements.
Explore our plans below:
| Key Features/ Plans | International Plus | Asia | Student | Domestic |
|---|---|---|---|---|
| Who is Covered | Individuals and family members aged 3 months to over 81 years | Individuals and family members between 6 months and 70 years old | Individuals between 16 and 35 years old | Individuals, families and employees between 6 months and 70 years old |
| Maximum Sum Insured | USD 1,000,000 (under Titanium Plus Plan ) | USD 200,000 (under Gold Plan ) | USD 500,000 (under Ultimate Plus and Supreme Plans ) | INR 1,00,000 |
| Accidental Death and Dismemberment | Covered | Covered | Covered | Covered |
| Medical Expenses- Accidents and Sickness | Covered | Covered | Covered | Covered |
| Emergency Dental Expenses | Covered | Not Covered | Covered | Not Covered |
| Repatriation of Remains | Covered | Covered | Covered | Covered |
| Baggage Delay | Covered | Covered | Covered | Covered |
| Loss of Passport | Covered | Covered | Covered | Not Covered |
| Flight Delay | Covered | Not Covered | Not Covered | Not Covered |
| Missed Connection | Covered | Not Covered | Covered | Not Covered |
| Sponsor Protection | Not Covered | Covered | Not Covered | Not Covered |
| Personal Liability | Covered | Covered | Covered | Covered |
Please Note: The eligibility criteria, sum insured and coverage features listed above are for the following plans:
- TATA AIG Travel Insurance- International Plus
- TATA AIG Travel Insurance Asia
- TATA AIG Travel Insurance Student
- TATA AIG Travel Insurance- Domestic
Please read the policy documents carefully to know the full terms and conditions.
What Does TATA AIG One Trip Travel Insurance Cover
Single Trip Insurance Inclusions
| Medical Expenses | Emergency Medical Evacuation | Loss of Checked-in Baggage |
|---|---|---|
| Covers medical expenses during hospitalisation, daycare procedures and OPD treatment for accidents and illnesses. | Pays for transportation, medical services and medical supplies to evacuate you to the nearest hospital or back to India. | Covers the loss of your checked-in luggage lost or misplaced by the common carrier, subject to limits per bag and item. |
| Loss of Passport | Trip Cancellation | Missed Flight/Connection |
| Covers the cost of applying for an emergency certificate and original passport in India. | Covers non-refundable travel and accommodation costs if your trip is cancelled due to illness or disruptive events specified under the policy | Covers non-refundable flight ticket costs for missing your insured journey due to strikes, shutdowns and other events mentioned in the policy. |
| Accidental Death and Disablement | Personal Liability | Baggage Delay |
| Pays a fixed benefit to the policyholder or nominees for accidental death, disappearance or disablement of the insured travellers. | Covers compensation for legal claims causing injuries and property damage to third parties while on your trip. | Pays a fixed reimbursement as mentioned in your policy schedule if your common carrier delays or misdirects your checked-in baggage during the covered trip duration. |
| Home Content Burglary | Fraudulent Charges | Flight Delay or Cancellations |
| This benefit pays for repair or replacement costs for contents in your home lost or damaged due to burglary or attempted burglary while you are on your insured trip. | Covers unauthorised charges made using your lost or stolen payment card during the 12 hours before you first report the loss or theft. | Provides a fixed payout for flight delays beyond the hours specified in your policy and for flight cancellations. |
Please note: These are some of the key inclusions under our single-trip plans. Refer to your policy document for the complete list of inclusions and the specific terms and conditions that apply.
Single Trip Insurance Exclusions
| Travelling Against a Physician’s Advice | Alcohol or Substance Use | Pre-existing Conditions |
|---|---|---|
| Our single trip travel plans do not cover medical expenses if you travel against a physician’s advice or for receiving medical treatment. | Any injuries or accidents directly caused by the insured person being under the influence of alcohol, drugs and other intoxicants . | Any pre-existing disease or any complication arising from it, unless in case of life-threatening conditions . |
| Adventure Sports | Illegal Acts | War and War-Like Activities |
| Claims arising from participating in adventure sports are not covered unless you have opted for the Accident Bundle. | Losses and injuries due to participating in felonies, attempted crimes and criminal and illegal activities . | Injuries, illnesses and losses arising out of war, civil war, rebellion, foreign invasion or military activities . |
Please note: These are some of the key exclusions under our single-trip plans. Refer to your policy document for the complete list of exclusions and the specific terms and conditions that apply.
Countries Where You Need Travel Insurance for a Single Trip
Travel insurance is a mandatory requirement for visa entry in several countries. For Schengen countries, travel coverage of at least €30,000 is compulsory whether you are on a short trip or long, while other countries require travel insurance for specific visas or regions.
Explore the different destinations where you need insurance for a single trip:
- Schengen Countries: All 29 countries of the Schengen Zone, including France, Germany, Italy, Spain and the Netherlands, require visitors to have at least EUR 30,000 in medical coverage valid for the entire region.
- Other Countries with Mandatory Requirements: Countries like Moldova, Bhutan, Qatar, and Turkey require travel insurance for entry and specified visa categories.
- Countries Where Travel Insurance is Recommended: While one-way travel insurance is not mandatory in certain countries, such as the USA, the UK, Canada, and New Zealand, it’s highly recommended for the high cost of healthcare and travel expenses.
Please Note: Visa requirements of each country are subject to change as per applicable laws. You should check the travel insurance requirements from official sources of specific countries before visiting.
Single Trip Travel Insurance: Eligibility Criteria
TATA AIG offers single-trip travel insurance plans for domestic and international trips as well as for overseas study trips. While the eligibility requirements vary across plans, here are common requirements for our plans:
- Age Eligibility: Our single trip plans cover travellers aged 3 months to over 81 years , depending on the policy you have chosen. Student travellers are required to be within the age of 16 and 35 years.
- Plan Options: We offer multiple plans covering individuals, families and senior citizens going on a single trip. However, the TATA AIG Travel Insurance Student policy only covers individuals.
- Family Floater Options: Our plans cover family members , including your spouse and dependent children. The TATA AIG Travel Insurance International Plus policy covers more than 5+ family members on global single trips.
- Trip Duration: Your single trip can be as short as 1-4 days and as long as 360 days, depending on your chosen plan and trip duration. The Travel Insurance Student policy offers a maximum duration of 1095 days.
- Domestic/International Travel: We offer plans covering both domestic and international single trips.
How to Buy Single Trip Travel Insurance Online?
Buying single-trip travel insurance online is as simple as entering a few details, customising your plan and paying the premium online.
Follow these steps to make a quick purchase:
Step 1: Scroll to find the travel insurance form at the top of this page.
Step 2: Select the purpose of travel, add 1 or more destination countries and click on ‘Get Plan’.
Step 3: Select the trip start date and end date on the calendar and enter the details of family members you wish to travel with.
Step 4: Choose a plan after comparing the costs and benefits and customise it with add-ons as per your needs and preferences.
Step 5: Enter the required buyer's details and pay the premium online to complete your purchase. The single trip policy documents will be delivered instantly to your registered email address.
How Much Does Single Trip Travel Insurance Cost?
Single-trip travel insurance costs are not fixed. The premium amount depends on the traveller, policy terms and destination. Know the most important factors that affect your single trip insurance costs.
- Number of Travellers: The premium depends on the number of travellers included in a single trip. Some plans like the TATA AIG Travel Insurance International Plus offer discounts up to 10% for including more than 5 family members.
- Traveller’s Age: A higher premium is usually charged for including older travellers on your trip. Senior citizens may require separate plans, which affect your travel insurance costs.
- Trip Duration: The longer your single trip duration, the higher your travel insurance costs.
- Travel Destination: Insurance costs are higher for travelling to countries with high healthcare costs and cost of living. For example, premiums for single trips to the USA or Canada are typically higher than for Asian countries.
- With/Without Sub-Limits: You need to pay an additional premium to get single-trip travel plans with no sublimits on various coverage benefits.
- Type of Plan: Travel insurance costs also depend on the type of plan and add-on bundles you have chosen. Plans with higher coverage have higher costs.
Things to Consider Before Buying Single Trip Travel Insurance
Consider the following factors to choose the best single trip travel insurance plan for you and your fellow travellers:
| Coverage Type | Destination |
|---|---|
| Check that the travel and medical coverage suits your needs. Depending on your needs, you may want a plan covering medical emergencies, loss of passport, trip interruptions and emergency extensions. | Make sure that you choose a visa-compliant travel insurance plan for your destination. For instance, if you are travelling to the Schengen zone, choose a specialised Schengen plan for seamless visa entry. |
| Duration of Trip | Optional Covers |
| Know the trip duration limits of your chosen plan so that it covers your entire trip. If you want coverage for travel emergencies, choose plans that offer a travel extension to help you deal with unforeseen events like flight cancellation and pandemics. | Add-on bundles allow you to customise and enhance the coverage of your chosen single trip plans. If you want coverage for specific risks, such as loss of portable electronics, adventure sports-related incidents, or cruise-related risks, look for a plan that offers the relevant customisation options. |
| Emergency Assistance Services | Deductibles and Sub-Limits |
| Confirm that your selected plan offers access to 24/7 global emergency services. A good single trip holiday insurance plan should offer assistance for medical emergencies, evacuation, repatriation, lost luggage and other similar risks. | A deductible is an amount you have to pay during a claim, while a sub-limit is a policy’s maximum coverage offered for a single expense or coverage benefit. Select plans that offer minimal or zero deductibles and a high or no sub-limit. |
Choose the right coverage for your trip, family requirements and budget. Use our online comparison tool to compare travel insurance plans to find a plan that suits your needs.
Find the right travel insurance plan for your single trip
Ready to Protect Your Trip?
TATA AIG Single Trip Insurance Claim Process
Cashless Medical Claims
Step 1: Contact TATA AIG via our helpline (022-6489-8282) or email (general.claims@tataaig.com) for domestic trips, and your Global Assistance Partner for international trips.
Step 2: Register your claim on the TATA AIG claim portal, mobile app or with your Assistance Company or Global Assistance Partner by providing the required details.
Step 3: Connect with your Assistance Company to find an eligible hospital and choose a hospital to receive your treatment. In most cases, you can receive treatment by just showing your travel insurance policy details.
Step 4: If the hospital requires a Guarantee of Payment (GOP), we will quickly process the approval. Then, you can be admitted to the hospital on the scheduled date and receive medical treatment.
Step 5: Once you are discharged, we will review the final bill and supporting documents and settle the approved amount directly with the hospital. You may need to pay for non-covered expenses and deductibles.
Reimbursement Claims
Step 1: Inform TATA AIG via our helpline (022-6489-8282), email (general.claims@tataaig.com), or your Global Assistance Partner. Register your claim on the TATA AIG claim portal or mobile app as soon as possible, or within 30 days of the loss.
Step 2: Notify the relevant authorities, such as the airline, hotel, or local police station, depending on your loss.
Step 3: Collect the required documents from the authorities. For medical emergencies, pay your medical bills and collect the bills and prescriptions.
Step 4: Once you register your claim, we will send you a document checklist. Submit the claim form and all supporting documents based on your type of claim within 30 days.
Step 5: After verification and approval, we will pay the approved reimbursement to your registered bank account via NEFT. We usually take 15 days to settle reimbursement claims if you have submitted the required documents.
Documents Required to File a Claim
- Duly completed and signed claim form
- Original bills and receipts, including pharmacy bills, prescriptions, consultation bills and diagnostic bills
- Medical reports, case histories and investigative reports
- Detailed list of all individual medical services and treatments with unit prices
- Death certificate, disability certificate, FIR copy and post-mortem report for certain claims
- Property Irregularity Report for lost and delayed baggage claims
- Airline correspondence and copy of flight tickets for trip cancellation and flight delays
- Witness statements, legal notices and court summons for personal liability claims
- Any other document as required for claim settlement
Please Note: The list of documents required for claim settlement will vary based on the type of claim. Refer to the policy wording documents for the full list or contact us for information.
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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Frequently Asked Questions About Single Trip Travel Insurance
When to choose single trip travel insurance vs multi-trip insurance?
Single trip travel insurance is a more convenient and affordable option when you travel occasionally and want coverage tailored to each journey. On the other hand, multi-trip insurance provides cost-effective coverage for multiple journeys throughout the policy period and is a better choice for frequent travellers.
Is it possible to extend my single trip coverage after policy purchase?
Yes, you can file for a travel extension with us to extend your policy duration beyond the maximum number of travel days selected by you. You need to file a formal application with the reason mentioned, along with a declaration of previously filed claims and existing health conditions. Note that this benefit depends on the policy you choose and is available under our TATA AIG Travel Insurance International Plus policy.
Can I get single trip travel insurance for a one-way trip?
No, single-trip travel coverage begins when you leave your home and ends when you return. This covers both your destination flights and other modes of transportation, and your return flight and other journeys over the policy period.
Does a single trip travel insurance plan cover multiple countries?
Yes, TATA AIG lets you get travel insurance plans covering multiple destinations within a single trip. All you need to do is scroll to the top of this page, enter all destinations in our quote tool and click on ‘Get Plan’ to get personalised quotes on a single-trip plan covering multiple locations.
Can I cancel a single-trip travel insurance plan after buying it?
No, our single-trip plan is non-cancellable and non-refundable . The policy terminates only after the last date of the policy duration or after your return to India from your insured journey.
Can I buy travel insurance after leaving India?
No, travel insurance plans require you to purchase the policy before you begin the trip. In addition, some countries require valid travel insurance and proof of insurance at the immigration checkpoint, making travel insurance purchases necessary before beginning your trip.
Are pre-existing illnesses covered?
Pre-existing diseases are generally not covered under most single trip travel insurance plans. The TATA AIG Travel Insurance International Plus covers pre-existing disease coverage in life-threatening situations, up to the limit specified in the policy schedule.
How early should I buy travel insurance?
You should purchase travel insurance before your single trip begins, preferably after travel arrangements like booking your tickets. Buying too early may be inconvenient if your plans change, while buying too late could delay visa processing if insurance is a requirement.
How can I customise my single trip insurance plan?
You can customise your single trip travel plan with 6+ add-on bundles, depending on your selected plan. Our selection includes the Cruise Bundle, Accident Bundle, Travel Plus Bundle, Digital Protection Bundle, Passport Shield Bundle and Evacuation Bundle. Choose your preferred package based on your travel needs and requirements at the time of policy purchase.
Does single trip travel insurance cover adventure sports?
Adventure sports-related incidents are covered under the Adventure Sports add-on available with TATA AIG’s Accident Bundle. It covers medical expenses, hospital daily cash, emergency dental expenses and accidental death and disablement (overseas) in the event of injuries from playing adventure sports. However, the sport must be played under expert supervision.
"Disclaimer: The content of this article is for general informational purposes only and is subject to change. It is based on information available at the time of writing.
Any insurance-related information given above cannot be interpreted as policy coverage. It should not be considered insurance, legal, regulatory, travel, or other professional advice, or a substitute for the terms and conditions of your travel insurance policy.
Travel insurance coverage, benefits, exclusions, limits, eligibility criteria, and other applicable conditions are subject to the terms of the respective policy document. Please refer to the applicable policy document for complete details. Readers are advised to verify the latest information with the relevant authorities, airlines, embassies, or other official sources before making any decisions.
Any reference to travel insurance or TATA AIG is for general awareness only and does not constitute an offer, recommendation, or advice to purchase a travel insurance policy from TATA AIG. TATA AIG does not guarantee coverage for any specific claim, loss, expense, delay, cancellation, or situation based solely on the information provided in this article."
