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

*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.

UK Travel Insurance Policy Inclusions - What is Covered

• 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.

UK Travel Insurance Policy Exclusions - What is Not Covered

• 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.

Steps to File a Claim

• 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.

Initiate Travel Claim

Documents Needed to File a Claim

• 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.

Important Contact Information for Claim Assistance

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.

If you are planning a 10-day UK trip from India, this well-paced itinerary covers iconic cities, scenic landscapes and cultural highlights across England and Scotland. Here is a day-wise itinerary with estimated costs for a trip of sightseeing and leisure.

• Buckingham Palace: Buckingham Palace in London is the official residence of the British monarch. Tourists have the opportunity to view the well-known guard change ceremony held outside the palace. During summer, parts of the palace are open for public tours showcasing royal rooms and artwork.
• Tower of London: This fortress stands along the Thames River and holds the famous Crown Jewels. Known for its dark past of imprisonments and executions, the site offers guided tours led by Beefeaters, who share captivating tales from its long history.
• Big Ben and Houses of Parliament: The clock tower Big Ben beside the UK Parliament. The Gothic-style buildings sit along the Thames. Visitors can view the structure from Westminster Bridge and walk around Parliament Square for classic photo opportunities.
• Stonehenge: Stonehenge stands as an ancient monument located in Wiltshire, England. The mysterious circle of standing stones dates back thousands of years. It continues to attract historians and curious travellers alike.
• Edinburgh Castle: Perched atop Castle Rock, Edinburgh Castle offers panoramic views of Scotland’s capital. The fortress houses royal artefacts, including the Stone of Destiny. It plays a central role in Scottish history.
• The Roman Baths: Located in Bath, this well-preserved Roman site showcases the ancient bathing complex. The hot springs still flow, and the museum displays artefacts and insights into Roman life in Britain.
• Lake District National Park: This scenic area in Cumbria offers mountains, lakes, and walking trails. It perfectly suits those who enjoy nature and love spending time outdoors. Popular spots include Lake Windermere and Scafell Pike.
• Windsor Castle: Windsor Castle is recognised as the longest-inhabited and largest castle still in use today. It is one of the official residences of the King. Tourists can tour the State Apartments and visit St George’s Chapel.

Transportation in the United Kingdom

Public transport in the United Kingdom is extensive and reliable, especially for Indian travellers exploring cities and the countryside.

• When you are in London, use an Oyster card or contactless debit/credit card to travel on the Underground (Tube), buses, and local trains. Travellers can purchase cards at airports, stations, or online via the Transport for London website.
• For train journeys across cities like London, Manchester, Edinburgh, and Birmingham, book tickets through Trainline or National Rail Enquiries. Advance booking saves money. Most stations accept mobile e-tickets, eliminating the need for paper prints.
• Buses are widely available. Use contactless payment or buy paper tickets from drivers. For intercity travel, National Express and Megabus offer low-cost coach options. Book online or at ticket counters.
• In cities like Manchester or Edinburgh, trams are another convenient option. Visitors can buy tickets from machines located at tram stops.
• Indian travellers should download Google Maps, Citymapper, and Trainline for route planning and live updates. Always tap in and tap out with your card to avoid extra charges.

Best International SIM Cards in the UK

• TSIM UK Unlimited SIM Card: It offers unlimited UK calls, free calls to India, 5G data, and roaming in Europe. Valid for 30 days, and prices range from ₹989 to ₹2,989.
• Lyca UK eSIM (Unlimited Data – 7 Days): It provides unlimited calling, data, and text messages within the UK. Instant activation via QR code. Includes affordable roaming in India and Europe.
• Matrix UK SIM Card (25 GB): It comes with 25 GB of data, unlimited incoming calls, and 300 outgoing minutes. Valid for 28 days. Approximate price: ₹699. A good mid-range option.
• travSIM UK SIM Card: Physical SIM with data plans like 20 GB for 30 days. It is delivered in India before departure and is suitable for short visits.

Local Phrases to Learn Before Visiting the UK

Common Greetings and Polite Phrases

• Cheers – Used as thanks or goodbye
• Alright? – Casual way to ask, “How are you?”
• Mate – Friend (used in informal settings)

Travel and Communication

• Could you help me get to [place]?
• Is this the right platform for the train to [destination]?
• Is contactless payment accepted here?
• How much is a return ticket? – For round-trip tickets

Shopping and Dining

• Is service included in the bill?
• Takeaway or eat in? – Asked at cafés/restaurants
• Do you have this in a smaller size?
• Queue up – Means stand in line properly.

Travelling with Kids in the UK

• Child-Friendly Attractions: Visit Legoland Windsor, Natural History Museum London, London Zoo, and the Harry Potter Studio Tour.
• Transport: Kids travel free on London buses and Tube with an Oyster card.
• Restaurants: Chains like Pizza Express, Nando’s, and Giraffe restaurant offer kid menus and high chairs.
• Tourist Rides: Enjoy the London Eye, open-top bus tours, and River Thames cruises.
• Shops for Essentials: Buy baby food, nappies, and wipes at Boots, Tesco, or Sainsbury’s.
• Overall Experience: Most public places have clean baby-changing rooms and are pram accessible.

Popular Activities You Can Take Part in the UK

• London Eye Ride: Enjoy breathtaking views of London from the giant observation wheel near the River Thames. Book your tickets online from the official London Eye website or at the Southbank ticket office.
• Hop-on Hop-off Bus Tours: Explore major cities like London, Edinburgh, or York at your own pace with guided commentary. Tickets are available on the Big Bus Tours website or at local kiosks.
• Harry Potter Studio Tour: Discover the spellbinding Harry Potter universe at the Warner Bros. Studio in Leavesden, close to London. Buy tickets in advance from the official Warner Bros. Studio Tour London website.
• River Thames Cruise: Relax on a boat cruise along the River Thames and view iconic landmarks such as Tower Bridge and Big Ben. Get tickets from Citi Cruises’ official website or boarding points.
• Alton Towers Theme Park: Visit top amusement parks like Alton Towers and enjoy thrilling rides and family attractions. Book your tickets online at Alton Towers’ official Website.
• West End Theatre Shows: Enjoy world-class musicals like The Lion King at West End theatres. Book your tickets online from the official London Theatre website or directly from theatre box offices in London.

Currency in the UK

The UK uses the British Pound Sterling (GBP). Indian travellers can convert INR to GBP at banks, airports, or online forex platforms. While in the UK, use GBP cash or international debit/credit cards.

Click here for real-time forex rates.

Where to Stay in the UK

Indian tourists travelling to the UK will find plenty of accommodation choices that fit different budgets.

• Budget travellers can opt for hostels like YHA or budget hotels such as Premier Inn and Travelodge.
• For mid-range stays, Airbnb apartments and chains like Holiday Inn offer comfort and convenience.
• Luxury travellers can stay at iconic five-star hotels like The Ritz London or the Grand Savoy Hotel.
• Indian families can also consider OYO Hotels, which offers affordable rooms with essential amenities.
  Booking in advance ensures better rates and availability. Always check reviews and proximity to Indian restaurants or cultural hubs.

How to Get a Visa for the UK Trip

Indian travellers can apply for a UK Standard Visitor visa online via the official government website gov.uk or VFS Global website, starting 3 months before travel. Submit documents and biometric data at your nearest VFS Global Centre.

The current fee for a six‑month visit is £127 (around ₹13,462. Longer‑term visas cost more. You may also choose an optional priority service for faster processing. Indian travellers should prepare proof of funds, travel plans, and return tickets. Track your application using the VFS portal or the UKVI contact channels.

Travel Documents Needed for the UK

• Valid Indian passport (minimum 6 months validity)
• UK Standard Visa
• Proof of accommodation (hotel or host invitation)
• Return flight ticket
• Travel insurance (recommended)
• Financial proof (bank statements or ITR)
• Itinerary of travel plans and activities

Indian Embassy in the UK: Address & Contact

Travel Tips for Indian Nationals to the UK

• Prepare for variable weather: The UK climate changes quickly. Carry an umbrella or waterproof jacket and layer your clothing.
• Apply early for visa: Begin Standard Visitor visa application at least one month ahead via the official government website or VFS Global. The process takes ~15–20 working days.
• Use public transport: Carry an Oyster or contactless card. Follow queuing rules and remain patient in busy stations.
• Respect local etiquette: Greet politely, stand in queues, and keep your voice low in public places.
• Stay financially smart: Use supermarket meal deals at affordable restaurant chains like Wetherspoons or Nando’s over expensive pubs.
• Protect your belongings: Keep valuables secure, carry document copies separately, and stay alert in crowded tourist areas.
• Get travel insurance: Buy travel insurance online that covers health, trip delays and personal theft.

UK Travel Advisories

• Stay vigilant in the UK: The Indian High Commission in London advises all Indian travellers to exercise heightened vigilance while in the UK, particularly in urban centres
• Monitor local news and official sources: Stay informed via local media and official channels for alerts and guidance on protests or security incidents.
• Follow instructions from local authorities: Comply promptly with directions from police, public officials or security personnel during demonstrations or unexpected events.
• Keep travel documents secure and accessible: Always carry identification and store backup copies of passport, visa and relevant travel documents securely.
• Stay in touch with the Indian High Commission: For assistance or updates, Indian nationals should maintain contact via official channels, especially if caught near disturbances.
• Have contingency plans in place: Prepare alternative travel routes and safe accommodation options in case your plans are disrupted by protests or emergency measures.
• Use trusted transport only:. Opt for public transport, licenced taxis or ridesharing services and check their availability in specific areas.
• Exercise caution in migrant-rich neighbourhoods: There can be heightened tensions in migrant communities across the UK. Travellers should avoid regions with known inter-communal tensions.

A trip to the United Kingdom is an exciting opportunity to explore iconic landmarks, cultural heritage and breathtaking landscapes. However, unexpected issues like medical emergencies, flight delays or lost documents can quickly spoil your travel experience. That is why choosing TATA AIG UK travel insurance from India is a smart and essential step.

With plans starting from just ₹24.8 per day, you get extensive coverage, including medical expenses, trip cancellations, baggage delays and personal liability. You can buy policies quickly online, access round-the-clock global support, and enjoy a smooth claim process. Whether you are on a holiday, business trip, or study tour, TATA AIG ensures you travel with confidence, comfort and complete peace of mind.

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