TATA AIG Travel Insurance

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Overseas travel insurance - Highlights

  • Coverage for seniors up to the age of 99 years
  • Option of coverage without any sub-limits
  • Covers hospitalization medical expenses and OPD/ doctor visits including pharmacy bills.
  • Trip Cancellation and Trip Curtailment
  • Missed Connection/Departure
  • Bounced Hotel/Airline booking
  • Pre-existing condition coverage up to $1500 in case of life threatening situation for all ages.


Comprehensive TATA AIG visitor insurance plan without sub-limits
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Senior citizen


TATA AIG Travel Insurance for senior citizens
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Offers university comparable coverage
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Worldwide coverage for frequent travelers
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TATA AIG General Insurance

The TATA AIG General Insurance company in India is a joint venture between the Tata Group and American International Group (AIG). The two companies share a 51% and 49 % stake holdings respectively. American International group is one of the largest US insurance company and is known for its reliable claims settlement. Over the past Two decades TATA AIG has been offering a wide range of insurance products both to individuals and to businesses. Insurance coverage benefits include comprehensive coverage for medical expenses, personal accidents, marine cargo, international travel from India, liability... TATA AIG general insurance is famous for its fast claims settlement and global assistance services.
  • Features
  • Benefits
  • Destinations
  • Assistance & Claims
  • Exclusions
  • How to buy?

TATA AIG Travelguard Features

Tata AIG travel health insurance for travel abroad provides overseas mediclaim coverage for Indian residents, be it to the USA, Canada, the UK, Europe (Schengen visa), Singapore, UAE (Dubai, Abu Dhabi) or Australia. TATA's insurance is well known globally for its reliability and prompt claims reimbursement.

International travel outside India exposes travelers to risks like accidents, sickness and even serious medical emergencies involving hospitalization in unfamiliar locations. Travelers are also vulnerable to baggage loss, delay or losing their passports. When you buy Tata AIG visitor insurance you are insured against these risks and can use their services through multi-lingual staff familiar with local conditions.

TATA's travel insurance products are reputed for their high service, reliability, excellence, worldwide coverage and provide best value for money. TATA AIG travelguard insurance without sub-limits is available up to 99 years and is more expensive than the travel plan with sublimits. This Indian travel insurance is offered with coverage limits from $50,000 to $500,000.

Travelers can use the TATA AIG travel insurance brcohure download facility to understand coverage details. You can also complete an online TATA AIG Travelguard proposal form. You can get the complete quotes using the TATA AIG travel insurance premium chart. You can also request to renew/extend the plan using TATA AIG travel insurance extension on expiry.

Tata AIG travel insurance without sublimits is available for travelers up to 99 years. It is a comprehensive plan and more expensive than the Tata AIG Travelguard insurance with sublimits. The comprehensive plan can make a huge difference in the event of expensive medical expenses while outside India.

Is TATA AIG international travel insurance cashless?

If the insured is hospitalized for more than 24 hours in one of the preferred network of hospitals, AIG IS or ISOS will offer cashless hospitalization by paying 100% of the claim amount to the hospitalization ((subject to deductibles under the policy conditions). This is applicable for Inpatient expenses provided the same is admissible under the policy.

Can I buy TATA AIG visitor insurance after starting the journey?

Based on the underwriter approval, the traveler can buy Tata AIG travel insurance after leaving India. Fill the traveler already outside India form with the requested details and we will try getting an approval for you to buy overseas travel insurance while you are away from your home country.

How much travel insurance do I need for Schengen visa?

As the Schengen consular, a foreign travelers needs to have medical insurance before applying for visa. The travel medical insurance must have a maximum coverage of atleast 30,000 Euros or the equivalent of $50,000 to cover medical expenses arising from sudden injury or illness. The travel insurance must also offers coverage for emergency medical evacuation and repatriation.
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What is the maximum entry age for TATA AIG Travel Guard?

Tata AIG travel insurance offers coverage for travelers of any age group up to the age of 99 years. Therefore the maximum entry age to buy overseas travel insurance from Tata AIG is 99 years.

Does overseas visitor travel insurance cover pre-existing ailments?

Yes some travel insurance offer coverage for pre-existing conditions under life threatening situations. As travel insurance is designed to cover sudden expenses from sickness while travelling, if a traveler has reached a life threatening condition. The travel insurance will pay only till the insured has become medically stable from the pre-existing conditions. Tata AIG travel insurance will reimburse up to $1,500 for which the travelers have spent while receiving treatment of pre-existing illness under life threatening when they were in a foreign country.

Tata AIG visitor health insurance Features
  • Medical expenses coverage
    • The plan covers for medical expenses due to accident and sickness while traveling outside India.

  • Checked baggage loss
    • Reimbursement for loss of checked in baggage.

  • Baggage delay
    • Reimbursement for reasonable expenses incurred for purchase of emergency personal goods due to delay in arrival of checked in baggage while overseas.

  • Loss of Passport
    • Coverage for expenses incurred in obtaining a duplicate or new passport.

  • Personal liability
    • Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.

  • Hijacking
    • In the unfortunate event of the common carrier being hijacked, plan will pay a distress allowance.

  • Trip Delay
    • Reimbursement of additional expenses due to trip delay (only if the trip is delayed for more than 12 hours).

  • Personal Accident
    • TravelGuard gives worldwide coverage against Accidental Death and Dismemberment while abroad.

  • Sickness Dental Relief
    • The policy pays for immediate dental treatment occurring due to sudden acute pain during an overseas insured journey. Dental benefits will be provided for medically necessary filling of the tooth or surgical treatment, services, or supplies.

TATA AIG Travelguard Benefits Table

Plan Maximum (in US$)
Silver Plus
Senior Plan
Accidental Death & Dismemberment (Common Carrier) NA 5,000 5,000 5,000 NA
Accident and Sickness Medical Expenses Reimbursement
Deductible: 100
50,000 100,000 250,000 500,000 50,000
Sickness Dental Relief 300 400 500 1,000 300
Emergency Medical Evacuation Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement
Repatriation of Remains Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement
Baggage Delay Benefit (After first 12 hrs) 50 100 200 500 50
Checked Baggage Loss Benefit 500 750 1,000 1,000 500
Loss of Passport
Deductible: 30
250 250 250 250 250
Personal Liability
Deductible: 200
1,00,000 1,50,000 2,00,000 5,00,000 1,00,000
Flight Delay^# NA Included Included Included NA
Hijack^^ NA Included Included Included NA
Emergency cash advance 500 750 1,000 1,500 500
Fraudulent charges (Payment card security) 500 500 1,000 2,000 -
Home Burglary (in Rs) Rs 1,00,000 Rs 1,00,000 Rs 2,00,000 Rs 2,00,000 -
Trip Cancellation 500
Deductible: 50
Deductible: 50
Deductible: 75
Deductible: 100
Trip Curtailment 500
Deductible: 50
Deductible: 50
Deductible: 75
Deductible: 100
Missed Connection / Missed Departure 500
Deductible: 50
Deductible: 50
Deductible: 75
Deductible: 100
Bounced Hotel / Airline Booking 500
Deductible: 50
Deductible: 50
Deductible: 75
Deductible: 100
International travel insurance Sub Limits - The following medical sub limits are applicable for travelers older than 56 years. However these sublimits are not applicable for plans 'WITHOUT SUBLIMIT'
  • Hospital Room and Board and Hospital miscellaneous - Max $1,500 per day upto 30 days whichever is less.
  • Intensive Care Unit - Max $3,000 per day upto 7 days whichever is less.
  • Surgical Treatment - Max $10,000
  • Anaesthetist Services - Upto 25% of Surgical Treatment
  • Physician's Visit - Max $75 per Day upto 10 visits
  • Diagnostic and Pre-Admission Testing - Max $500
  • Ambulance Services - Max $400
* Included under the benefit limit of accident and sickness medical expenses reimbursement.
# Maximum amount to be reimbursement per bag is 50% and maximum value per article contained in any bag is 10% of sum(s) insured.
^ Flight delay - Deductible of 12 hrs, $10 per 12 hours and maxium $100.
^^ Hijack - Deductible of 1 day, $100 per day and maximum $500
  • Travel insurance for UK visitors from India should select the destination as 'Excluding America'.
  • The destination should be 'Excluding America' for travel insurance from India to Australia.
  • The destination should be 'Including America' for travel insurance India to USA and Canada (North and South America).
  • For travel within Asia like to Singapore, UAE (Dubai, Abu Dhabi) Thailand (excluding Japan), there is the Asia plan. However this is limited to short trips within 14 days only. For more than 14 days travel insurance to Singapore from India, you should choose the destination as 'Excluding America'.
  • For travel to Schengen Countries select "Schengen Countries" as your destination.

How do I claim TATA AIG travel insurance?

TATA AIG travel insurance claim - Claims and assistance services
AIG Assist (USA & Canada) and AIG Travel Assist (Rest of World) are available round the clock for any assistance:
  • Pre-departure services - information about foreign locations, passport / visa requirements, immunization needs etc

  • Emergency Travel Agency - provides 24 hour travel agency service for airline and hotel reservations.

  • Medical Assistance - Assistance in contacting the local medical facility and determine the next course of action. Assistance company will also recommend or assist in securing services of local physician and arranging medical services.

  • Medical Evacuation & Repatriation - In the event of medical emergency, the assistance services will arrange for evacuation and transportation based on the medical evaluation of traveler condition. Travel Guard also provides for repatriation of remains in case of unfortunate death of the insured while overseas.

  • Lost travel documents assistance
  • Emergency Message transmission services
  • Embassy referral services
  • Claims procedures Information services
AIG IS (AIG International Services Inc.) - Assistance company in Americas (USA, Canada ...)
AIG Travel Assist - Assistance company outside Americas (Europe, UK, UAE, Asia, Australia ...)

TATA AIG travel insurance customer care : 24 hour tata travel insurance contact support number :

For the America's (USA,Canada .. )
  • 1-866-866-2619 (Toll free within US & Canada)
  • 1-817-826-7017 (reverse charge / collect from other places)
  • Fax : 713-953-7506
  • Email: tata.aig@aig.com
2) For rest of the world policies excluding the Americas:

Address for submission of TATA AIG visitor insurance claims documents:
Claims Department,
Tata AIG General Insurance Company Limited.
A-501, 5th Floor, Building No.4, Infinity Park, Gen. A.K. Vaidya Marg, Dindoshi, Malad (East), Mumbai, India - 400097.

US medical claims
Mail medical claims to:
Travel Guard Attn: Tata Aig Claims
PI Box 8003
Stevens Point, WI 54481
United health Group Company / The First Health Network.
TATA AIG health insurance for USA travel: To provide quality health care in the United States of America and Canada, TATA AIG is working with United Healthcare Visitor Insurance, the leading Health Care Network provider in the USA. This gives TATA AIG travel insurance for USA from India customers access to United Healthcare network of hospitals and physicians in USA.

AIG Service Center is equipped to provide travelers with all necessary guidance and will help you with the claims procedure.

Note: Failure to call the number provided in the policy with respect to Medical Accident & Sickness Claims (Travel) shall invalidate your claim. In the case of Out patient, OPD treatment (where hospitalization is not required), please keep all bills and receipts and file for reimbursement with the Tata AIG, Claims Department, at the address mentioned above.

More details about TATA travel insurance claims procedure

Best Indian visitors medical insurance online.
For complete peace of mind - Tata AIG travel health insurance from India !
Travelers are not covered if expenses incurred involve:
  • Traveling against the advice of a Physician;
  • For obtaining treatment;
  • Pre-existing ailments & complications arising out of them;
  • Suicide or attempted suicide;
  • War;
  • Terrorism;
  • Illegal Acts;
  • Dangerous Sports; etc.
Other coverage benefits include: 24 hours Worldwide Emergency Assistance Services, Emergency Medical Evacuation, Repatriation of Remains, Felonious Assault, Lost Luggage, Personal Liability Aboard, Accident and sickness Medical Coverage

For other exclusions please refer to the policy wordings.

Tata AIG Travel Guard India includes

  • Medical Emergency Assistance
  • Baggage Claim
  • Direct settlement for in-Hospital Medical Expenses Abroad (Subject to policy terms and conditions and sub limits)
  • Medical Evacuation & Repatriation
  • Loss of Passport Assistance
Credit Card

Travel insurance India using Credit or Debit Card

You can buy tata aig international travel insurance online using a credit card from anywhere in the world. Most of our customers buy these plans from the USA, the UK, UAE, Europe, Canada, Singapore, Australia ... as being ideal tata aig visitors insurance for parents from India. For travel to Europe from India, customers need the TATA AIG schengen travel insurance as the Schengen consulates insist on this travel insurance which satisfies specific criteria before issuing the Schengen visa. Customers can buy the plan using an credit or debit card. After completing the application form, you will receive an immediate acknowledgement. The policy along with other relevant documents will be emailed to the ID in the online application. If requested, the insurance policy will also be couriered to the Indian address in the application. We will refund the full premium with a cancellation fee for TATA AIG travel insurance trip cancellation if the traveler cancels his trip and does not travel outside India. Buy TATA Travel insurance using a Credit/Debit card for instant policy.

bank Cheque

Cheque / Demand draft / Net Banking - Purchase options

For customers who do not want to use a credit card, payment can be made by Cheque or Demand draft. The tata aig visitors medical insurance will be issued on receiving the cheque or Demand draft.

Call us at +91-80-41101026 in India. Our travel insurance Advisor will assist you with specific details and you can select the travel plan you need. The tata aig international travel insurance policy is available only to Indian residents. It is ideal travel medical insurance online from India to Australia, Singapore, UAE, Europe, Canada, USA.

Other payment options include -
  • Cash Cards - ItZ cash, Pay Cash
  • Mobile Payments - Paymate, IMPS , Scan N Pay
  • Wallet - Paytm, Mobikwik, Oxigen wallet, Freecharge, Jio Money etc ...
  • UPI - Unified Payment Interface

TATA AIG Schengen travel insurance (Schengen visa insurance for Europe)

Tata AIG Schengen travel insurance satisfies Schengen visa requirements and is approved by the Schengen country consulates. This plan can be purchased to obtain visa for Schengen countries which are: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland.

TATA AIG Travelguard insurance plans satisfy Schengen visa insurance requirements by offering the following coverage:
  • Eligible plans for travelers aged 6 months – 55 years
    1. Silver Plan - $50,000 max coverage
    2. Silver Plus Plan - $100,000 max coverage
    3. Gold Plan - $250,000 max coverage
    4. Platinum Plan - $500,000 max coverage
  • Eligible plans for travelers aged 56 – 70 years
    1. Silver Plan without sublimits - $50,000 max coverage
    2. Silver Plus Plan without sublimits - $100,000 max coverage
    3. Gold Plan without sublimits - $250,000 max coverage
    4. Platinum Plan without sublimits - $500,000 max coverage
  • Eligible plans for senior citizens above 70 years
    1. Senior Plan without sublimits - $50,000 max coverage
Fill the Quote Form to avail free quotes for these plans. You have to select "Schengen Countries" as your Travel Destination.
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schengen vis insurance

When should I buy overseas travel insurance?

It is important to buy overseas travel insurance before you leave India. Travellers may often think they are healthy and strong and nothing untoward will happen and hence do not need overseas travel insurance? However emergencies like sudden sickness or accidents can happen anytime and if you are not prepared for it, can result in a huge financial burden. We get queries from customers who are already hospitalized, but unfortunately travel insurance will not cover these expenses. Travel insurance covers unexpected and sudden medical emergencies and Indian overseas travelers need to buy the visitor travel insurance before you actually need it! It is best to buy insurance that will cover your completed journey till you return to India. Sometimes you may not be sure of your travel dates, in which case you can buy for the initial duration and request an extension of coverage later. Travel insurance coverage can begin as early as the following day. Therefore if you have policies that expire or you change your travel plans like extending your trip, be aware of the dates to make sure you are always covered under international travel insurance.
Travelling overseas involves a lot of arrangements like flight bookings, hotel reservations, cruise bookings and other reservations. Some travel insurance plans offer coverage for trip cancellation to protect trip investment expenses.
It is always safe to buy travel insurance to protect your health and trip expenses and to secure yourself from travel risks and medical emergencies while travelling overseas.

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TATA AIG Travel Insurance review - Customer reviews

Thank you team for setting these claims so quickly. Indeed Kudos to you particularly & to Tata AIG for having such motivated people like you to serve them & as befitting to all Tata Companies known for the highest ethical standards. I am prompted to sing hosannas in the name of Tatas as I myself served from 1959 till my retirement from Tata Steel in 1996 & we are all guided by J N Tata's ideals translated into actual practice. May you and your fellow colleagues continue to practice this ideal.
- Krishnamachari

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