Travel Insurance for UK

Travel insurance is not mandatory for Indians visiting the UK, but it is strongly recommended. Healthcare in the UK is costly for non-residents; even minor emergencies can result in substantial bills. Insurance provides financial protection for multiple trip-related emergencies.

TATA AIG travel insurance for the UK from India offers comprehensive protection covering medical emergencies, hospitalisation, baggage loss, trip cancellation and legal liability. Moreover, our plans are backed by 24×7 global assistance and a fast, cashless claim process.

Also Read - Buy Travel Insurance for UK from India

Coverage for Medical Expenses for Illness or Injury
TATA AIG UK Travel Insurance offers robust protection during your overseas journey. For example, if you fall sick with the flu in London or sprain your ankle while hiking in Edinburgh, your hospital bills will be reimbursed up to the specified sum insured.

You get an unlimited sum insured, with coverage of up to $1,000,000 per incident or loss, ensuring complete peace of mind. Whether it is hospitalisation, emergency treatment, or specialist care, our plans support you during difficult times. For life-threatening conditions related to pre-existing diseases (PED), the plan covers expenses up to $20,000.

Coverage for Trip Cancellations
TATA AIG covers non-refundable expenses if your trip is cancelled due to sudden illness, injury, or death. For example, if you get hospitalised a day before your UK flight and you must cancel the trip, the policy reimburses prepaid flight and hotel bookings. The cancellation must be medically necessary and certified by a doctor.

We provide reimbursement of up to $ 1,500 for cancellations due to illness, injury to you or your companion, or immediate family members. Coverage also includes cancellations due to pandemics, unrest, terrorism, disasters, advisories, or job loss within the specified pre-travel period.

Coverage for Lost or Delayed Baggage
Imagine you land at London Heathrow Airport, but your checked-in baggage does not arrive. TATA AIG reimburses expenses for delayed checked-in baggage if delayed beyond 4 hours.
In the event of permanent loss of an entire piece of checked-in baggage, the policy provides compensation of up to $500.

Coverage for Lost Documents or Passports
TATA AIG reimburses up to $500 for expenses related to the loss of your passport during an insured journey. This includes fees for an emergency certificate and the cost of applying for a new passport in India.

Affordable Travel Insurance Plans
TATA AIG offers affordable travel insurance plans tailored to meet different travel needs and budgets. These plans cover medical emergencies, trip cancellations, baggage loss, passport loss, and additional benefits, with options starting at as low as ₹24.8/- Per Day for international travel insurance for the UK.

Quick Online Purchase
TATA AIG makes international travel insurance purchases quick and hassle-free with its easy online process. You can compare plans, select suitable coverage, and buy travel insurance online within minutes from the official website or the mobile app. Additionally, please call us at 1800-267-6115 to purchase a new policy.

The digital platform ensures instant policy issuance and secure payment options. Whether you are booking a trip at the last minute or planning, TATA AIG offers convenience with fast and reliable travel insurance online purchases.

24/7 Support
TATA AIG provides 24/7 support to assist you at any time during your trip to the UK. For example, if you lose your passport while shopping at Oxford Street, London, or need emergency medical help during a hike in the Lake District, our team is just a call or message away.
Contact us at 02264898282 or WhatsApp us at +91-9136160375. We ensure quick assistance to keep your journey stress-free and safe.

Easy Claim Process
TATA AIG ensures an easy and hassle-free claim process for all travellers. If you face a medical emergency, lose your baggage, or miss a flight, simply file a claim online. You may also contact our support team for assistance.
Submit the documents and get quick updates. Our process ensures fast support and reimbursement for a stress-free trip.
Disclaimer

*TATA AIG Travel Insurance International Plus Brochure - TitaniumPlus option - UIN TATTIOP25045V022425

International Schengen Titanium Plus Plan

The coverage under this plan includes -

• Medical Expenses: Unlimited coverage with $1,000,000 per incident/loss for the same illness or injury.
• PED Coverage: Covers life-threatening pre-existing conditions up to $20,000.
• Emergency Medical Evacuation: Covered up to the Sum Insured, as per the policy terms.
• Emergency Dental Treatment: Covers up to $1,200.
• Travel Inconveniences: Includes $50 for baggage delay (4+ hours), $500 for baggage loss, and $500 for passport loss.
• Personal Liability: Offers coverage up to $500,000.
• Accidental Death & Disablement (Overseas): Total coverage of $75,000 for accidental death or disablement.
• This plan is best suited for high-frequency travellers, senior citizens with PED risks, and corporate executives on overseas assignments.

International Platinum - Plan B

The coverage under this plan includes -

• Medical Coverage: Enjoy coverage for medical expenses with $500,000 per incident. Covers life-threatening pre-existing conditions up to $12,500.
• Dental Emergency Cover: Get coverage up to $1,000 for urgent dental treatment abroad.
• Baggage and Document Loss: Baggage delay (4+ hrs): $50, Baggage loss: $300, Passport loss: $250.
• Flight and Booking Protection: Flight delay (4+ hrs): $50, Missed flight/connection: $750, Bounced hotel/airline booking: $1,000.
• Trip Cancellation & Curtailment: Receive $1,000 each for cancelled or cut-short trips due to unforeseen reasons.
• Accidental Death & Disablement: Benefit includes $25,000 for accidental death or permanent disablement while overseas.
• Ideal for international travellers who want solid medical and travel inconvenience protection in one comprehensive plan.

International Gold - Plan B

• Medical Expenses: Unlimited coverage with $250,000 per incident for the same illness or injury. Covers life-threatening pre-existing conditions up to $10,000.
• Emergency Dental Treatment: Receive up to $500 for emergency dental care abroad.
• Baggage & Passport Cover: Baggage Delay (4+ hrs): $45, Baggage Loss: $300, Passport Loss: $250.
• Flight & Booking Disruptions: Flight Delay (4+ hrs): $45, Missed Flight/Connection: $500, Bounced Hotel/Airline Booking: $750.
• Trip Cancellation & Curtailment: Benefit of $750 for either cancelled or cut-short trips.
• Accidental Death & Disablement: Offers $15,000 for accidental death and disablement while overseas.
• Ideal For occasional travellers, families, and vacationers who need essential overseas travel protection with balanced coverage.

International Silver Plus - Plan B

• Medical Coverage: Unlimited medical expenses with up to $100,000 per incident. Life-threatening pre-existing conditions covered up to $5,000.
• Emergency Dental Treatment: Coverage of up to $400 for urgent dental treatment overseas.
• Baggage & Passport Protection: Baggage Delay (4+ hrs): $40, Baggage Loss: $200, Passport Loss: $250.
• Flight & Accommodation Disruptions: Missed Flight/Connection: $250, Bounced Hotel/Airline Booking: $500.
• Trip Interruption Protection: Trip Cancellation: $500, Trip Curtailment: $500.
• Accidental Death & Disablement: Up to $10,000 for accidental death or disablement while travelling abroad.
• Ideal for budget-conscious travellers, students, and first-time international flyers needing basic yet essential travel coverage.

*TATA AIG Travel Insurance International Plus Brochure - TitaniumPlus option - UIN TATTIOP25045V022425

Please Note: Reimbursements and coverage are subject to policy terms and conditions. Please read the policy wording for more information.

Cruise Bundle

• Missed Cruise Cover: Reimburses up to $750 if you miss your cruise due to covered reasons.
• Cruise interruption by Common Carrier: Covers up to $500 if your cruise is interrupted.
• Deductible: A $50 deductible applies to the cruise interruption benefit.

Travel Plus Bundle

• Accompaniment of Minor Child: Covers up to $1,000 for the safe return of your child if you are hospitalised.
• Frequent Flyer Cover: Get $200 compensation for loss of frequent flyer miles due to trip cancellation.
• Loss of Electronic Items: Covers $500 for lost portable electronics with a $50 deductible.

Accident Bundle (Ages 15 to 60 only)

• Lifestyle Modification: Receive $200 for required lifestyle adjustments post-accident.
• Child Education Benefit: Provides $5,000 for dependent child’s education in case of accidental death.
• Coma Cover: Pays $5,000 if the insured person falls into a coma due to an accident.
• Adventure Sports: Medical expenses are covered up to $5,000,000 if injured while participating in adventure sports.

Optional Assistance Services

• Care at Home Service: We arrange caregiver or medical assistance for dependents in India while the insured is hospitalised abroad.
• Automated Luggage Tracking Service: We enable real-time tracking to help quickly find delayed or lost checked-in baggage.
• Lost and Found Passport: We assist in reporting, locating, and replacing lost or stolen passports during your trip.

• Medical Expenses and Emergency Evacuation: Covers hospitalisation, daycare, OPD treatment, telemedicine and medically necessary evacuation if you fall ill or get injured abroad.
• Emergency Dental Expenses: Covers emergency dental treatment during your trip and for follow-up care related to the same incident for up to 30 days.
• Checked-In Baggage Delay or Loss: Pays a fixed amount for baggage delays and covers full loss of checked-in baggage due to theft or non-delivery by the airline.
• Loss of Passport: Reimburses fees for obtaining an emergency certificate and reapplying for a new passport.
• Personal Liability: Covers legal liability for injury (bodily) or property damage to a third party during the trip.
• Flight Delay: Offers a fixed payout if your flight is delayed beyond the time limit specified in the policy.
• Trip Cancellation and Curtailment: Covers non-refundable prepaid expenses if your trip is cancelled or cut short due to specified reasons such as illness, natural disasters or political events.
• Missed Flight/Connection: Reimburses travel costs for missed flights due to accidents, strikes, or prior flight delays.
• Bounced Hotel/Airline Booking: Pays for alternate arrangements if your confirmed hotel or flight booking gets cancelled unexpectedly.
• Loss of Personal Baggage: Reimburses the cost of personal baggage due to theft or burglary while travelling.
• Visa Rejection: Covers non-refundable visa application fees if your visa is rejected without your fault.
• Pandemic Cover: Offers quarantine-related expenses if you are diagnosed with a government- or WHO-declared pandemic illness during your trip.
• Repatriation of Mortal Remains: Covers the cost of transporting the mortal remains back to India in case of death during the trip.
• Accidental Death and Disablement: Offers compensation in case of accidental death or permanent disablement, including loss of sight, hearing or speech during your travel.

Please Note: The above-mentioned points are only a partial list of inclusions. Other available coverages include Emergency Extensions, Personal Accidents in India, Compassionate Travel, Loss of cash and more. All benefits are subject to policy terms and conditions. Kindly refer to the policy wording for detailed information.

• Pre-existing Conditions: Claims related to pre-existing diseases are excluded unless life-threatening.
• Travelling Against Medical Advice: Travelling for treatment or against a doctor's advice is excluded.
• Self-harm and Substance Abuse: Suicide, attempted suicide, or injury under alcohol or drugs is not covered.
• Adventure Sports: Claims from risky sports are excluded unless specifically included in the policy.
• Sexually Transmitted Diseases: Sexually transmitted conditions or complications are not covered.
• Illegal or Criminal Acts: Liability arising out of involvement in any criminal or illegal act is excluded.
• War and Terrorism: War, invasion, and nuclear or biological terrorism are excluded.
• Congenital Conditions: Congenital anomalies and any related complications or conditions are excluded.
• Immigrant Travel Duration: Travel on immigrant visas beyond 120 days is not covered.

Please Note: This is not a complete list of the exclusions for UK travel insurance. For complete details, please refer to the policy document.

Step 1: Visit TATA AIG’s official website and go to the international travel insurance section.

Step 2: Provide Travel Information: Select the United Kingdom as your destination, and enter your travel dates and the required information.

Step 3: View Plans and Compare: Click on “See Plans” to check available options. Review benefits and pricing to select the plan that fits your needs.

Step 4: Complete KYC and Make Payment: Fill in the form with accurate information and make a secure payment to complete the purchase.

Step 5: Provide your passport number, contact details and other necessary information.

Step 6: Receive Policy via Email: Get your international travel insurance policy delivered instantly via email after the payment and plan your trip to the UK.

Also Read: Get Travel Insurance for UK Travel from India

Scenario 1: Sudden Medical Emergency While Travelling

You are exploring the Tower of London when sudden chest pain hits and breathing becomes difficult. Locals act fast, calling an ambulance. You are rushed to the nearest hospital, where doctors run tests and keep you overnight to check for any major heart problem.

How Can We Help

TATA AIG reimburses the medical expenses incurred for emergency treatment, including doctor consultations and hospitalisation. This ensures you get access to timely healthcare services without worrying about the cost.

Scenario 2: Flight Delay Due to Bad Weather

You have a connecting flight from Heathrow to Edinburgh, but it gets delayed due to dense fog. You miss your next flight and need to rebook and stay overnight.

How Can We Help

We understand that weather conditions can disrupt your travel plans. If your flight is delayed beyond the specified duration mentioned in your policy, TATA AIG provides financial compensation as per your policy.

If you are informed or there is an official announcement about the delay at least five hours before the original departure, the revised time will be treated as the new scheduled departure time for claim purposes.

Scenario 3: Delay of Checked-In Baggage

As you arrive at Manchester Airport, you realise that your checked-in luggage has not arrived and it has been misplaced by the airlines. It contains clothes, medicines, and daily essentials.

How Can We Help

In case the airline delays or redirects your checked-in baggage beyond the time mentioned in your policy, we will compensate you for essential purchases. Just submit a written confirmation from the airline, and we will ensure you receive the support you need without added stress.

Scenario 4: Passport Gets Lost or Stolen

While sightseeing in Liverpool, your handbag is stolen, and you lose your passport along with your wallet. You now need to get an emergency passport reissued.

How Can We Help

If you lose your passport during your trip, we will reimburse the expenses for getting an emergency certificate and applying for a new passport in India.

Scenario 5: Accidental Wound Requiring Medical Attention

While exploring London, you accidentally trip on a cobbled pavement, fall, and sustain a deep cut on your leg. The wound requires urgent medical care, including dressing, antibiotics, and a short hospital stay.

How Can We Help

TATA AIG international travel insurance covers treatment costs for illness or injury during your insured journey. We will reimburse the applicable medical expenses. This includes hospitalisation, daycare treatment, or OPD care, ensuring you get the necessary medical attention without worrying about the financial burden.

Scenario 6: Accidental Injury to a Third Party

While staying at a hotel in London, you accidentally spill hot water on a fellow guest, causing burns that require medical attention. The injured guest files a claim for compensation to cover hospital expenses and related treatment.

How Can We Help

If you accidentally injure someone during your trip, like in this case where a fellow guest is hurt, TATA AIG travel insurance covers the cost of their medical treatment. This ensures you are financially protected from unexpected expenses during your trip.

Scenario 7: Accidental Property Damage at an Airbnb

While staying at an Airbnb in Edinburgh, you accidentally knock over and break an expensive decorative item belonging to the host. The host demands compensation for the damage caused to their property during your stay.

How Can We Help

TATA AIG international travel insurance covers accidental property damage caused by you during your insured trip. If you accidentally damage property during your trip, we help you cover the cost of the damage. Such a benefit helps you settle such claims without facing unexpected financial stress abroad.

• Step 1 - Notify and Register your Claim: Inform TATA AIG or the Assistance Company of any actual or potential claim within 7 days, but not later than 30 days of the incident. Refer to the Claim Assistance section below for the process and contact details.

• Step 2- Submit Required Documents: Provide all necessary documents, including your policy number, passport copy, travel tickets, hospital bills (in case of medical claims), police reports (in case of theft/loss), and any other evidence relevant to the incident.

• Step 3 - Cooperate During Claim Assessment: The TATA AIG claims team may conduct investigations or request additional documents. Ensure timely cooperation to avoid delays.

• Step 4 - Claim Review and Settlement: Once the verification is complete, your claim will be processed. If approved, the payment is made via bank transfer or reimbursement.

• Step 5 - Track Your Claim Status: You can track the claim status through the app or website using your claim reference number.

TATA AIG aims to make the claim process smooth, transparent, and quick for all policyholders. Always keep copies of documents for your records.

• Duly Filled Claim Form: Submit the official TATA AIG claim form, properly filled and signed on behalf of the insured person.
• Copy of Policy Document: This serves as proof of your active travel insurance policy with TATA AIG during your trip.
• Copy of Air Tickets and Boarding Pass: Include your flight ticket and boarding pass along with the original travel itinerary and booking date.
• Original Bills and Receipts: Provide all original bills, such as pharmacy bills, doctor consultation fees, and diagnostic test receipts, along with the related prescriptions.
• Medical Reports and Case Histories: Attach all medical reports, investigation results, case history, discharge summary, and treatment papers related to the claim.
• Precise Diagnosis Report: Include a specific diagnosis related to the illness, injury, or condition for which the claim is being made.
• Detailed Breakdown of Services and Costs: Submit an itemised list of all medical treatments and services provided, including unit prices for each.
• Prescriptions and Invoices: Share original prescriptions mentioning the insured person’s name, the prescribed drugs, their costs, and payment receipts. These must be attached to the doctor’s invoice.
• Any Additional Documents if Requested by the Claims Team: Be prepared to share any other documents relevant to the claim as requested by TATA AIG's claims team.

For Claim Assistance

• Call: +91 – 022 68227600
• Email: EA.TATAclaims@europ-assistance.in
• You may also contact the Assistance Company for Europe Assistance India at +1-833-440-1575 for guidance.

While in India:

Toll-Free: 1800 11 9966 (BSNL/MTNL), 1800 22 9966 (Travel Insurance for Senior Citizens UK)

Online & App:

You can initiate a claim by visiting the TATA AIG Claims Process page or by using the TATA AIG app, available on Google Play Store and the App Store) to notify us. You can upload the necessary documents and also track your claim in real time.

Here are some facts about the UK that will help you plan your trip better. These interesting facts about the UK cover essential travel details, including currency, weather and cultural norms.

Along with valid travel insurance for visa to the UK, it is critical to be aware of the UK Visa requirements. Here are the general visa types for the UK:

Standard Visitor Visa:

Indian nationals travelling to the UK can apply for a Standard Visitor Visa for the UK that is valid for a stay of up to 6 months. This visa can be requested for one of the following reasons.

• Work

• Tourism

• Academic pursuits

• Medical reasons

• Visiting friends and relatives

• Getting married, engaged or entering into a civil partnership

• Joining one's partner or family for an extended stay

• Diplomatic visits

• A Standard Visitor Visa can be extended for visits that involve medical or academic purposes, albeit with the payment of an additional fee.

Long-term Standard Visitor Visa:

For long-term visits to the UK, there are Long-term Standard Visitor Visas available for two, five or ten years. However, the duration of each visit under a Long-term Standard Visitor Visa cannot exceed six months.

In addition to the visas mentioned above, you can also apply for certain other categories of visas to the UK, including the following.

• Marriage Visitor Visa

• Tier 4 (General) Student Visa

• Tier 4 (Child) Student Visa

• Permitted Paid Engagement Visa

• Tier 2 - Sportsperson Visa

• PBS Dependent - Partner Visa

• PBS Dependent - Child Visa

Indian nationals travelling to the UK can apply for a UK visa. Here is the process of the UK visa application

• Apply for the appropriate UK visa category here
  .

• Pay your visa for the UK fee online.

• Schedule a visa appointment.

• Carry the required documents for your scheduled visa appointment.

Also Read: UK Visa Fees for Indians

Documents Required for the UK Visa Interview

You should ensure that the following UK visa documents are handy whilst attending your UK visa interview appointment:

• Confirmation of the visa appointment

• Receipt of the visa application fee payment

• Valid passport and tickets (if available)

• A passport-sized photograph

• Duly signed Print-out of the visa appointment form

• Duly signed self-assessment form

• Other visa-category specific documents as applicable

Here are the necessary visa documents for the UK that are required for applying for a visit visa to the United Kingdom.

• Salary and financial particulars

• Travel itinerary

• Personal information

• Travel history

• Proof of your capability to finance your stay in the UK

• Proof of your ability to pay for air travel to enter and exit the UK

• Proof of your intent to leave the country at the end of your visit

• Since the visa application process usually takes three to four weeks, it is advisable to apply for the UK visit visa at least three months before the intended date of travel.

Also Read: UK Visa Requirements from India

When visiting the UK, follow these travelling tips for the UK to ensure a safe trip.

- Protect Your Belongings – Keep copies of your passport, visa and tickets separate from the originals. Report lost passports immediately for a police report. Be cautious in crowds as pickpockets and motorbike thieves target valuables.

- Beware of Scams – Cybercrime, card skimming and fake embassy scams are common. Always verify official details before responding. Drink Safety – Avoid leaving drinks unattended to prevent spiking incidents.

- Drink Safety – Avoid leaving drinks unattended to prevent spiking incidents.

- Alcohol Laws – The legal drinking age in the UK is 18. Public drinking is allowed in most places but banned in some cities and transport services. Some areas enforce Public Space Protection Orders (PSPOs) to restrict alcohol consumption in public.

These precautions to take while travelling to the UK will help you stay safe. Follow these tips for traveling to the UK for a worry-free experience.

If you are looking for the nearest airport in the United Kingdom to your destination, you should be aware of the major airport in the UK list. There are several major international airports in the United Kingdom, some of which are listed below: