Student Travel Insurance

Forewarned is forearmed. It’s always better to know all the probable exclusions from your travel insurance policy. This way, you can plan your overseas and domestic travel better.

Baggage loss (common carrier): Loss of your baggage sent in advance or souvenirs or articles mailed or shipped separately.

Baggage delay: Any baggage delay while in India is not covered under this policy.

Trip delay Flight delay due to an insured Covered Hazard which was made public or known to You prior to the purchase of this Policy.

Adventure activities Our student travel guard will exclude claims arising from high-risk activities such as rock climbing, scuba diving, paragliding, etc.

Death or illness of a pet If you cancel your trip because your pet has fallen ill or died, we might turn down your claim. Please reschedule your travel plans once your pet has recovered.

Losses arising from intoxicated behaviour Losing your belongings while being drunk or under the influence of drugs might entail forfeit of your claim for a refund. We are within rights to investigate your mental condition when your loss happened.

Local agitations and protests If you miss your flight because of a local protest or agitation and ask for a refund, we might turn down your claim. To be safe, do not plan a trip to politically unstable countries.

Pre-existing medical conditions We might deny you a travel insurance policy if you suffer from a pre-existing condition. However, you might get a special extension in case of a life-threatening emergency. In such a case, the treatment for any emergency measures will be paid until you are stable or relieved from severe pain.

Losses sustained during a nuclear attack or radiation leak Any injuries or disorders caused due to radioactive equipment or nuclear exposure are not treated the same way as regular illnesses, and you won’t find any relaxation in terms of financial aid.

Self-harm There is no compensation for injuries inflicted upon oneself or from suicide attempts. Please read the policy papers to get an understanding of all the conditions that are excluded from coverage.

The ‘free-look’ period in travel insurance implies that the buyer gets a specified number of days to review the terms and conditions of the plan. Tata AIG Travel Insurance plans come with a free-look period of 15 days for the multi-trip policy. However, the single-trip policy does not come with a free-look period.

Evacuation and reparation coverage under travel insurance extends the facilities for medical evacuation in the event of a medical emergency. It comes with facilities such as medically equipped return flights and the reparation of mortal remains back to the family in the event of death.

In case you ever need to make a claim, the process is simple and easy to follow. You can call us on our helpline number 1800-266-7780 or send an SMS to 5616181 to inform us about the situation and start your claim process. Alternatively, you can reach out to your insurance agent to file a claim. For further assistance, you can contact the numbers provided in your insurance document.

However, the quickest way would be to make a claim online. Fill out the claim settlement form available on our website to register a claim by yourself. You can expect a response to your application within the next 24-48 hours.

• Please keep your policy number saved in a place where you can always access it. Without a policy number, we may not be able to process your claim.
• Make sure you save a copy of all relevant travel documents such as your flight and hotel bookings, passport and visa details, bank statements, etc. as you might be required to present them at the time of claim.
• Please coordinate with the customer service desk to expedite your claim settlement.
• Before making a claim, please check if you have all the documents that may be needed and verify whether the situation at hand isn’t listed in the exclusions. Your claim would only be entertained as per the inclusion clauses
• It may take us up to seven working days to process the claim and reimburse you, as long as we have received all the documents. Your patience is highly appreciated, and we hope you have a wonderful trip!