Travel Insurance Add-ons

Travel insurance add-ons are optional covers that you can add to your base travel insurance policy. By including these add-ons to your travel insurance policy, you can expand your coverage for specific reasons and ensure additional coverage and benefits.

For example, if you participate in adventure sports while travelling abroad, there is a risk of accidents and injuries. By choosing the add-on for adventure sports cover, you can get coverage for the medical expenses arising from such incidents.

As these travel insurance add-ons offer coverage beyond what is provided under your base policy, they are available at an additional premium.

TATA AIG offers various add-on covers for both domestic and international travel. The coverage under each add-on is subject to specific policy conditions that define its inclusions and exclusions. You can refer to the policy wording for complete details.

For Additional Financial Protection

Travel insurance add-ons provide coverage beyond the standard benefits of your base policy. If you feel certain risks may increase your expenses during the trip, opting for relevant add-ons can enhance protection.

For More Comprehensive Protection

A standard policy may not cover every travel-related scenario. For instance, if your trip includes a cruise, you can opt for travel add-ons such as missed cruise or cruise interruption cover to extend your coverage under the same policy.

For Covering Visa-related Trip Cancellations

Sometimes, trips may get cancelled due to visa rejection. With an add-on for trip cancellations due to visa-rejection, you can get reimbursement for the non-refundable flight and hotel expenses.

For Family’s Financial Security

In the unfortunate event of accidental disablement or death during the trip, these travel insurance riders offer the sum insured to the nominee or legal heir. This helps reduce the financial burden on the insured individual’s family.

For Protection beyond Financial Coverage

Beyond financial coverage, certain add-ons may offer value-added benefits. For instance, you can opt for medical second opinion services, premium discounts, or reimbursement of frequent flyer reward points.

Travellers Exploring Adventure Activities

Travel insurance with extreme sports cover can provide a fixed payout or reimburse medical expenses in case of accidental injuries during adventure activities.

Family Travellers

When travelling with family, the overall trip cost is usually higher due to multiple flights and accommodation bookings. Optional covers in travel insurance, such as trip cancellation due to visa rejection, can help reimburse non-refundable flight and hotel expenses in such situations.

Solo Travellers

When you are exploring foreign destinations alone, travel add-ons can provide additional support to manage unexpected situations like identity theft or cyber risks.

Cruise Travellers

If your itinerary includes a cruise, you can opt for a missed cruise add-on to cover non-refundable travel costs or reimburse alternate travel bookings in case of trip interruptions.

Students

Students travelling abroad for education may require additional protection against risks such as study interruption due to an illness or out-patient medical expenses.

Business Travellers

Business travellers can benefit from travel insurance add-ons that offer coverage for risks such as loss of electronic portable items or identity theft during official trips.

Frequent Travellers

Frequent travellers may consider add-ons that cover rescheduling tickets due to flight cancellations and reimbursement of frequent flyer reward points in case of trip cancellation.

• TATA AIG offers different types of travel insurance add-ons. You can explore these options before selecting them for your domestic or overseas travel insurance.

• Add-on Bundles - These travel insurance add-ons are offered as a bundle for a specific risk. A single bundle may cover a few related risks under one add-on.

• Individual Add-ons - These are travel insurance add-ons offered as standalone options. Each add-on provides coverage for a specific risk.

• Add-ons for Enhanced Coverage - These add-ons allow you to increase the coverage limit for certain benefits already included in the standard policy. For example, you can enhance the coverage for loss of checked-in baggage if you feel you need additional coverage during a long trip.

Here, we will go through the travel insurance add-on list for add-on bundles and individual add-ons available under international and
domestic travel insurance.

For add-ons that enhance existing coverage limits, you can refer to the international travel insurance policy document for complete details.

International Travel Insurance Add-ons

Cruise-related Add-ons - Cruise Bundle

Missed Cruise

If you miss your cruise due to specific reasons such as accidents or mass bandhs, this travel insurance add-on reimburses your non-refundable travel ticket costs.

Cruise Interruption

If you are affected due to any unexpected injury or illness while on a cruise, this add-on will reimburse the expenses incurred towards any alternate travel bookings.

Travel-related Add-ons - Travel Plus Bundle

• Accompaniment of Minor Child

If you are travelling with your minor child and the child is left alone without care due to an emergency, this add-on can support you.
It covers the travel expenses of an immediate family member to travel from India, accompany your child, and bring them back to India.

• Frequent Flyer Cover

If you have booked your trip using frequent flyer or similar reward points and the trip gets cancelled, this add-on will reimburse you the amount equivalent to the frequent flyer reward points.

• Loss of Electronic Portable Items

In case your electronic portable items get stolen during your trip, this add-on will reimburse you for the replacement cost for an item of similar make and model.

Electronic portable items include devices such as mobile phones, tablets, laptops, Bluetooth speakers, and other similar gadgets.

Accident and Adventure Sports-related Add-ons - Accident Bundle

• Lifestyle Modification Cover

If the insured person suffers a physical disability due to an accident during your trip, this travel add-on reimburses the cost of artificial limbs and necessary modifications to their home or vehicle in India.

• Child Education Benefit

If the insured person dies due to an accident during the policy period and the death occurs within 365 days from the date of the accident, this add-on can support the family.

The add-on will provide the sum insured to the children if they were enrolled as full-time students in an educational institution at the time of the accident.

• Coma Cover

If the insured person suffers an injury during the trip and the injury results in a coma, the sum insured will be paid to the nominee or the legal heir.

• Adventure Sports

If you get injured while participating in adventure sports during your trip, this adventure sports cover will pay a fixed amount or reimburse your medical expenses.

Adventure sports refer to activities that are hazardous, irrespective of the safety precautions taken, such as adventure racing, jet skiing, ice skating, paragliding, parasailing, and similar high-risk activities.

Additional Add-ons

Trip Cancellation-related Add-ons - Trip Cancellation Plus Bundle

• Trip Cancellation On Account of Visa Rejection

If your visa is rejected before your scheduled departure from India, this add-on cover in travel insurance will reimburse your non-refundable flight ticket and non-refundable hotel/ accommodation costs.

• Trip Cancellation Due to Airline Insolvency

If your trip is cancelled before your scheduled departure due to airline insolvency, this add-on will reimburse your non-refundable flight ticket and non-refundable hotel/ accommodation costs.

Digital Protection Add-ons - Digital Protection Bundle

• Identity Theft

If your personal information is stolen, this add-on will cover the expenses to resolve the theft, including legal expenses and other related costs such as re-filling bank applications and notarising documents.

It also reimburses any loss from unauthorised accounts opened in your name.

• Cyber Shield Cover

If money is stolen from your bank account or mobile wallet due to a cyber incident or hacking, this add-on will reimburse the expenses incurred to resolve the theft.

This includes coverage for expenses to take a legal action and penal charges for not maintaining the minimum balance or missing an EMI.

Student Education-related Add-ons - Student Bundle

• Study Interruption

If you are not able to attend your course due to specified reasons, such as an illness or the death of an immediate family member, this travel insurance add-on will reimburse your non-refundable tuition fees paid in advance.

• Sponsor Protection

If your education sponsor suffers accidental disability or death during the policy period, this add-on will reimburse your tuition fees for the remaining period of the course.

• University Insolvency

If your university becomes insolvent, this travel insurance extra coverage will help you pay the additional travel expenses to return home and accommodation costs for up to 7 days.

• Bail Bond

If you are arrested by a government authority during the policy period, this add-on will reimburse the legal costs to obtain a bail bond for the temporary release from custody.

• Out-patient Medical Expenses

This add-on covers the expenses for cancer screening and medical expenses incurred for mental health disorders, including alcoholism and drug addiction.

It also includes rehabilitative care needed after an injury or illness, including services like Psychological Therapy, Speech Therapy, and Physiotherapy.

Evacuation-related Add-ons - Evacuation Bundle

• Emergency Medical Evacuation - Adventure Sports

If the insured individual suffers a serious injury while participating in adventure sports, this travel add-on will cover the emergency medical evacuation expenses. This refers to the expenses incurred to transport the individual safely to a hospital.

• Catastrophic Evacuation

If a catastrophe such as an earthquake or tsunami occurs, this add-on will cover the emergency evacuation expenses (transportation expenses).

Passport-related Add-ons - Passport Shield Bundle

• Trip Curtailment due to Loss of Passport

If your trip is cut short due to the loss of your passport and local authorities want you to return to India, this add-on will cover the non-refundable travel and accommodation costs.

• Incidental Expenses due to Loss of Passport

If you lose your passport during the trip, this add-on will cover the expenses incurred to get an Emergency Certificate or a new passport.

Other Individual Optional Add-ons

• Ticket Rescheduling

If your flight is cancelled by the airline before the policy is issued, travel insurance cover for cancelled flights will reimburse the expenses incurred to reschedule your flight.

• Ski Trail Closure

If you plan to go skiing and unexpected weather conditions cause the ski lifts or ski schools to close, this add-on will cover the additional accommodation expenses up to the specified limit.

• Medical Second Opinion - Worldwide

If you suffer from an illness or injury during your trip, you can request a second opinion through our Assistance Company from doctors in our network of hospitals.

The consultation will be provided to you directly through different platforms, such as audio, video, or other digital modes.

• Voluntary Benefit Limit

When you opt for this add-on, certain sub-limits on medical expenses will be lowered than the standard limits. By choosing this option, you will get a premium discount.

Domestic Travel Insurance Add-ons

• Accidental Death and Dismemberment

The standard policy offers a sum insured for accidental death and dismemberment. This add-on can be used to enhance the coverage amount.

• Accommodation Charges Due to Trip Delay

This travel insurance add-on offers a fixed amount per day in case there is a flight or train delay.

• Loss of Ticket

If you lose your flight or train ticket during your trip, this travel insurance add-on will cover the expenses up to the specified limit.

• Emergency Family Travel And Convalescence

With this add-on, you cover the travel expenses to bring a family member to your location to support you in case of an emergency during your trip.

• Domestic Replacement and Rearrangement

If you are on a business trip and need to replace your ticket or rearrange your travel plans due to specific reasons, this add-on will cover the expenses.

• Missed Departure

If you miss your flight or train departure due to specified reasons, such as an accident or medical emergency, this add-on will help you cover the unexpected expenses.

You can choose the best travel insurance add-ons for your trip by considering a few factors. Here are a few steps that you can follow:

• Explore Add-ons and Coverage

• Explore the different types of travel insurance add-ons available and understand the coverage provided under each of them. Understand what is covered, the eligibility criteria, and the specific conditions that apply.

• Read the Exclusions Carefully

As you read and understand the inclusions, make sure you carefully go through the exclusions. Certain situations or reasons may not be covered under the specific travel add-on.

• Check if Sub-limits Apply

Some travel insurance add-ons may have sub-limits. These sub-limits refer to the maximum amount payable under the specific add-ons. You can find this information in the policy document.

• Check for Deductibles

Coverage under certain travel insurance add-ons may be subject to deductibles. Deductibles refer to the amount you need to pay before we settle the claim. Make sure you understand how much you need to pay out of pocket.

• Consider your Trip Destination and Duration

Assess your trip destination and duration to identify potential risks and the need for specific travel insurance optional benefits. Longer trips may increase exposure to unexpected events and may need additional coverage.

• Assess Age and Activities Planned

Consider your age, trip itinerary, and activities planned to determine the add-ons that would be required. Based on the specific activities and risks, you can include the add-ons when you buy travel insurance online.

• Avoid Including Unnecessary Add-ons

Understand the coverage already available under your base travel insurance policy. If the base policy adequately covers a particular scenario, you may not need an additional add-on.

• Determine Premium

Calculate the applicable premium and ensure it fits within your budget. You can use our travel insurance premium calculator to estimate the premium and adjust your add-on inclusions, if necessary.

Travel insurance premiums may increase when you choose optional add-ons, as they extend the coverage offered under the policy. Here are a few factors that help you understand how add-ons may influence the premium.

• Types of Travel Insurance Add-ons Selected

The travel insurance premium increases based on the types of add-ons selected and the number of add-ons you choose to include in your base policy.

• Coverage

The level of coverage or sum insured opted for under an add-on also influences the premium. The higher the sum insured, the higher the premium.

• Trip Destination and Trip Duration

Your travel destination and duration can influence the premium. For instance, travelling to popular destinations during peak seasons, especially for a longer duration, can increase the premium for certain add-ons.

• Number of Travellers and their Ages

The number of travellers covered under the policy, together with their ages, may also affect the travel insurance add-on premium.

• Brand Trust - With over 25 years of experience in the Insurance Industry, TATA AIG offers a reliable insurance experience backed by customer-centric policies.
• Wide Range of Travel Insurance Add-ons - You can choose from a variety of optional covers in travel insurance based on your specific travel needs.
• Ease of Customisation - You can compare travel insurance plan options and include the necessary add-ons to the plan you choose.
• Personalised Support - You can reach out to the customer support team or claims experts for guidance on selecting add-ons or assistance during claims.
• Digital Processes - You can buy and manage your travel insurance policy and add-ons online. With the TATA AIG app, you can access policy details and services anytime.
• Transparent Pricing - When you buy travel insurance online, you can view a clear premium breakdown.
• Global Assistance Network - Beyond financial coverage, TATA AIG offers international Assistance Services to help you access support in case of emergencies.
• 24x7 Support - You can contact the support team at 022-6489-8282 anytime for coverage-related queries or claim support.