Trip Cancellation Insurance

Travel insurance trip cancellation insurance reimburses the non-refundable cost of your travel tickets and accommodation if you have to cancel your trip due to specified reasons. This includes medical emergencies, pandemic situations, natural calamities, political unrest, and more.

This coverage is applicable if the trip is cancelled before your scheduled departure from India. It reimburses the prepaid and non-refundable expenses, provided the cancellation happens within the specified number of days before departure as defined in the policy document.

The coverage available under the trip cancellation cover is based on the sum insured limit specified in the policy. TATA AIG offers a wide range of plan options with varying coverage limits to suit individual travel needs. You can also choose a standard travel insurance policy or family travel insurance policy and enhance the sum insured specifically for trip cancellation cover with add-ons.

Here are some of the common reasons covered under the trip cancellation insurance coverage:

• Illness or Injury Before Departure - If you, your travelling companion, your immediate family member, or your travelling companion’s immediate family member falls ill or suffers an injury, and a doctor advises not to travel.
• Death Before Departure - If the trip is cancelled due to the unfortunate death of the insured person, their travelling companion, their immediate family member, or the travelling companion’s immediate family member.
• Natural Calamities at the Destination - Natural disasters such as floods, earthquakes or hurricanes that make it unsafe or impossible to travel to your destination.
• Political Unrest or Government Restrictions - If there is political unrest in the destination country or authorities impose unexpected travel restrictions that lead to the cancellation of your trip.
• Pandemic Situation - If a pandemic is declared by the World Health Organisation or the appropriate authorities in the destination country, and people are advised not to travel.
• Mass Bandhs or Terrorist Attacks - If you had to cancel the trip due to mass bandhs, nationwide strikes, or terrorist attacks at your destination around the time of departure.
• Court Witness - If you are called to appear as a witness in a court of law in India after you have purchased the policy and before you leave for the trip.
• Loss of Job - If you lose your job due to termination or because your employer is reducing the workforce, and you have to cancel your trip.

Please note: The reasons covered for trip cancellation are subject to certain policy conditions. Kindly refer to your policy document for complete details.

• Reimbursement of Non-Refundable Expenses - Travel insurance cancellation cover reimburses the money spent on non-refundable travel tickets and hotel booking costs, reducing financial stress.
• Peace of Mind for Travellers - Knowing that your financial losses are covered provides reassurance, allowing you to focus on dealing with the situation at hand without worrying about money.
• Support during Personal Emergencies - The amount you receive from the vacation cancellation insurance claim can help you manage personal situations, such as paying for hospital bills or medications.

Trip curtailment means ending your trip earlier than planned due to unforeseen emergencies or disruptions.

Trip curtailment insurance covers the loss of prepaid travel or accommodation expenses if you have to cut your trip short. It also reimburses the non-refundable unused portion of travel or accommodation costs and additional accommodation or travel expenses incurred if you had to shorten your trip.

For example, if a traveller has to return home early because of a family emergency or if political unrest breaks out at the destination, curtailment coverage helps cover the cost of unused travel or accommodation bookings or additional travel expenses.

While travel health insurance helps cover unexpected medical expenses during your trip, trip curtailment insurance helps cover the expenses if you want to cut your trip short and return to India.

The amount offered under the trip curtailment insurance is based on the sum insured limit specified in the policy. You can choose from a diverse array of plan options under our international travel insurance plans with varying sum insured limits.

You can also choose a standard travel insurance policy and customise it by increasing the sum insured specifically for trip curtailment cover with add-ons if you feel it is necessary.

Here are some of the common reasons covered under the trip curtailment insurance coverage:

• Medical Emergencies During the Trip - If you or a travelling companion falls seriously ill or gets injured and you need to return home for treatment or care, cutting your trip short.
• Family Emergencies Back Home - If your or your travelling companion’s immediate family member falls ill, gets injured, or meet an unexpected death, and you are unable to continue your trip.
• Natural Disasters or Political Unrest at the Destination - Events like earthquakes, floods or political instability can make it unsafe to stay at your destination, forcing you to leave early.
• Unexpected Strikes - Unexpected strikes, riots, or civil unrest beyond your control that compel you to cut your trip short.
• Court Witness - If you are called to appear as a witness in a court of law in India during your trip, and must return to India earlier than planned.
• Loss of Job - If you lose your job due to termination or because your employer is reducing its workforce after you have started your trip, and you want to return home.
• Hijack - If the aircraft you boarded as a passenger is hijacked, and the incident interrupts your trip.

Please note: The reasons covered for trip curtailment are subject to certain policy conditions. Kindly refer to your policy document for complete details.

• Reimbursement for Unused Bookings - Trip curtailment coverage reimburses the non-refundable unused portion of travel or accommodation costs.
• Coverage for Additional Travel Expenses - It also covers additional accommodation and travel expenses by land, air, or sea that result from the interruption of your trip.

By purchasing a travel insurance policy with TATA AIG, you can also enhance the sum insured for trip cancellation or curtailment coverage by paying an additional premium.

In addition, you can opt to include the following add-ons. The coverage offered is subject to the specific policy terms and conditions.

• Trip Cancellation due to Visa Rejection - This add-on reimburses the non-refundable travel and accommodation expenses if your trip is cancelled due to a visa rejection that is not caused by your fault.
• Trip Cancellation due to Airline Insolvency - This add-on reimburses the non-refundable travel and accommodation expenses if your trip is cancelled due to the insolvency of the airline.
• Trip Curtailment due to Loss of Passport - This add-on reimburses the unused portion of travel and accommodation expenses or additional travel and accommodation expenses incurred if your trip is cut short due to loss of passport.

Please note: The add-ons are subject to certain policy conditions. Kindly refer to your policy document for complete details.

• Be Prepared for Unexpected Travel Disruptions - Unpredictable events, such as sudden medical emergencies, natural disasters or personal mishaps, can disrupt even the best-laid plans. This is why including trip cancellation and curtailment coverage in your travel insurance is so important—it prepares you for the unexpected.
• Ensure Financial Protection - Cancelling or cutting short a trip often means losing money spent on non-refundable bookings like flights and hotels. This can lead to significant losses if you had planned a long vacation with multiple bookings. With trip curtailment and travel cancellation insurance, you can recover these expenses.
• Cover Additional Expenses - In case of trip interruptions, you may also face additional expenses, such as rebooking travel tickets or extending your accommodation. These unexpected costs can add up quickly, especially when travelling with family. With trip curtailment insurance, you can cover these expenses.

Also Read: When is the Best Time to Buy Travel Insurance?

• Buy Travel Insurance Online - You can compare travel insurance plans online and choose a suitable policy with adequate coverage for trip cancellation and trip curtailment.
• Unexpected Scenario Occurs - Suppose you have to cancel your trip due to an illness or injury, or return to India because your travelling companion falls sick during the trip.
• Initiate Claim - As both scenarios are covered under the policy, you can initiate a claim to recover the non-refundable flight and accommodation expenses.
• Claim Settlement - We will review your claim and supporting documents and reimburse the applicable expenses.

Please note: These are some of the common exclusions. Kindly refer to your policy document for complete details.

Also Read: 10 Travel Insurance Policy Exclusions You Should Know

• Trip Cancellation and Curtailment under a Single Policy - Both trip cancellation and trip curtailment scenarios are covered under a single travel insurance policy with separate sum insured limits.
• Sum Insured - The sum insured is specific and separate for trip cancellation and trip curtailment. Consider your trip destination, the number of individuals covered, and the money spent on bookings to decide if the sum insured is adequate.
• Policy Terms and Conditions - The coverage applicable under the trip cancellation and trip curtailment insurance is subject to certain policy terms and conditions. Understanding them is necessary to make sure you raise valid claims.
• Add-ons - While purchasing the policy, you can also consider enhancing the sum insured offered under the policy to suit your specific travel needs. You can include the add-ons at the time of purchasing the policy at an additional premium.

If you need to file a claim for trip cancellation or curtailment with TATA AIG, the process is simple and straightforward. Here is how you can initiate your claim:

Inform TATA AIG

• Online Claim Initiation: You can easily start the claim process through the TATA AIG Insurance App available on the Google Play Store or App Store.
• Self-Service Portal: Alternatively, you can visit the TATA AIG self-service portal on our website to submit your claim online.
• Helpline or Email: You can also contact us by phone or email to report your claim. Kindly refer to your respective policy document for the contact details.

Collect the Documents Required to File a Claim

Collect all the required documents related to your claim. Additional documents may be required depending on the situation.

• Medical records of the insured person, travelling companion, or immediate family member.
• A medical certificate from the physician advising not to travel due to medical reasons.
• Death certificate of the insured person, travelling companion, or immediate family member.
• Details of the amount refunded by the airline.
• Copy of travel tickets.
• Proof of accommodation bookings.
• Original bills and payment receipts of expenses incurred.
• Airline correspondence with details of a hijack incident.
• Copy of FIR or Police Report.
• Documentary evidence, such as newspaper cuttings, for mass bandhs or catastrophe events.
• Any other document relevant to the specific circumstances of the claim.

Collect Settlement

Your claim and supporting documents will be reviewed and verified for further processing. Upon approval, the applicable expenses up to the sum insured will be reimbursed.

Also Read: Common Reasons for Claim Rejection Against Travel Insurance

Affordable Premiums - TATA AIG provides comprehensive travel insurance plans that include coverage for trip cancellation and curtailment at competitive prices. Our international travel insurance plans start at ₹24.8 per day with 0% GST.

• Wide Coverage Options: From medical emergencies to natural disasters and unforeseen travel bans, TATA AIG’s policy covers a broad range of scenarios. This ensures you are financially protected against most disruptions.
• Customisable Plans - Our international travel insurance plans offer customisable options that allow you to tailor your policy to suit your travel needs, ensuring you only pay for what you truly require.
• Hassle-Free Digital Claims - TATA AIG’s user-friendly digital platform simplifies the claim process. You can initiate and track your claim online through the self-service portal. You can also do it via the TATA AIG app, helping save time and effort.
• Quick Reimbursements - TATA AIG aims to process reimbursement claims quickly to help you recover your expenses without unnecessary delays.
• 24/7 Customer Support - We provide round-the-clock customer support (022-6489-8282) to assist with product and claim-related queries. We also offer global assistance services in case of emergencies while travelling abroad.
• Transparent Policies - We are committed to transparency by providing clear terms and conditions so you know exactly what is covered and what is not. You can buy travel insurance online with a clear breakdown of the premium.
• Trusted Name in Insurance - With over 25 years of experience and a strong reputation, TATA AIG is a name you can trust for reliable travel insurance solutions.

While trip cancellation or curtailment can sometimes be unavoidable, careful planning and preparation can help reduce the likelihood of disruptions. Here are some practical tips to ensure a smooth travel experience:

• Research Weather and Political Conditions - Before booking your trip, review the weather forecast and political situation at your destination. Avoid travelling during hurricane or monsoon seasons and stay informed on travel advisories.
• Schedule Health Check-Ups - If you are planning a long trip, it is wise to undergo a health check-up. Ensure that you are physically fit to travel and consult your doctor for vaccinations or medications needed for specific regions.
• Book Flexible Options - Whenever possible, choose travel and accommodation options with flexible cancellation policies. This can save you from significant financial losses if unforeseen circumstances arise.
• Stay Updated - Monitor news and updates about your destination in the days leading up to your departure. Staying informed can help you make timely decisions to avoid potential disruptions.
• Plan your Itinerary Carefully - While planning your trip itinerary, especially with family, ensure there is enough time to relax. Back-to-back or tight schedules can cause physical fatigue and may lead to health issues.
• Prepare for Emergencies - Have a contingency plan in place. Keep emergency contact numbers handy and carry a small first-aid kit and essential medications to handle minor health issues during your trip.

Travel plans are often filled with excitement, but unexpected events can turn them upside down. Trip cancellation and curtailment coverage in travel insurance plans play a crucial role in safeguarding your travel investments. From affordable premiums to seamless digital claims and 24/7 global assistance, TATA AIG ensures you are protected every step of the way.

Do not let unforeseen circumstances ruin your travel experiences. Protect your trip, and enjoy your travels worry-free!