TATA AIG Annual Multi Trip Travel Insurance – One Year Unlimited Coverage
TATA AIG Annual Multitrip Travel Insurance provides one-year coverage for frequent international travelers, allowing unlimited trips abroad with cashless hospitalization, trip delay, and baggage protection. Ideal for business travelers visiting the USA, Europe, or other global destinations multiple times annually.
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What Is Annual Multi Trip Travel Insurance?
International corporate travelers who travel overseas often on work should be properly insured to cover medical expenses in case they fall sick or meet with an accident while outside India. Tata AIG has designed international annual multi trip insurance for businessmen and corporate professionals who are frequent travelers. The Tata AIG Annual travel insurance plans allows customers to travel outside India, anywhere in the world, any number of times during the annual coverage period. However each trip period has to be limited to either 30 Days /45 Days /60 Days /90 Days /120 Days /150 Days /180 Days depending on the plan chosen by the customer.
The TATA AIG Annual Multi-trip insurance allows customers to travel outside India, anywhere in the world, any number of times during the annual coverage period. However each trip has to be limited to either 30 Days /45 Days /60 Days /90 Days /120 Days /150 Days /180 Days depending on the plan chosen by the customer.
Annual Multi Trip Travel Insurance vs Single Trip Travel Insurance
Choosing between an annual multi trip travel insurance policy and a single trip travel insurance plan depends largely on how often you travel internationally. While a single trip policy covers one specific journey, an annual multi trip plan provides protection for multiple overseas trips taken during a policy year.
For travellers who take several international trips each year, purchasing a separate policy before every journey can be both time-consuming and expensive. An annual multi trip travel insurance plan offers the convenience of year-round coverage under a single policy, eliminating the need to arrange insurance every time you travel abroad.
Business professionals, frequent flyers visiting multiple countries, and travellers who regularly visit destinations such as the USA, Europe, the UK, Singapore, Australia, or the UAE often find annual travel insurance to be a practical and cost-effective solution. In contrast, occasional travellers who take only one overseas trip per year may find a single trip policy more suitable.
| Features | Annual Multi Trip Insurance | Single Trip Insurance |
|---|---|---|
| Best For | Frequent international travellers, Business persons | Occasional travellers, tourists, travelling as family |
| Coverage Period | Valid for full 12-month calendar year from policy start date | Valid for one single trip from policy start date |
| Number of Trips Covered | Multiple trips during the policy period | One trip only |
| Per Trip Duration | Days Capped to 30, 45, 60, 90, 120, 150 or 180 days per trip | Capped to 360 consecutive days |
| Convenience | No need to buy insurance before every trip | New policy required for each trip |
| Administration | Single policy management | Multiple policy purchases |
| Premium Payment | One time payment | Pay for each trip |
If you are travelling overseas from India multiple times during the year, an annual multi trip travel insurance policy can offer greater convenience and potentially offer better value than purchasing multiple single trip policies. It will also ensure you remain protected throughout the year without worrying about arranging coverage before every departure.
When Does Annual Multi Trip Insurance Become Cost Effective?
In many cases, Annual multi trip travel insurance typically becomes cost-effective than single trip travel insurance, if you are taking international trips three or more times within a year. Frequent business travelers often benefit from lower overall insurance costs and uninterrupted coverage throughout the year. With multi trip insurance, you don’t need to remember to buy coverage every time you pack your bags.
How Much Does TATA AIG Annual Multi Trip Travel Insurance Cost in India (2026)?
For a 25-year-old, TATA AIG Annual Multi Trip Insurance starts at just ₹2,348 per year for worldwide travel. Enjoy unlimited trips abroad under a single policy-ideal for frequent flyers seeking affordable, hassle-free coverage.
Save more when you travel multiple times a year — no need to buy single-trip insurance every time.
| Plan | 30 Days Per Trip Duration | 45 Days Per Trip Duration | 60 Days Per Trip Duration | 90 Days Per Trip Duration | 120 Days Per Trip Duration | 150 Days Per Trip Duration | 180 Days Per Trip Duration | Buy |
|---|---|---|---|---|---|---|---|---|
| Silver💰 Most Affordable | ₹2,348 | ₹2,975 | ₹4,833 | ₹7,015 | ₹9,198 | ₹11,069 | ₹14,160 | |
| Silver Plus⭐ Most Popular | ₹2,870 | ₹3,584 | ₹5,699 | ₹8,183 | ₹10,668 | ₹12,797 | ₹16,317 | |
| Gold🏆Best Value | ₹3,789 | ₹4,356 | ₹6,823 | ₹9,732 | ₹12,611 | ₹15,133 | ₹19,256 | |
| Platinum | ₹4,040 | ₹4,943 | ₹7,593 | ₹10,725 | ₹13,817 | ₹16,543 | ₹20,973 | |
| Titanium | ₹4,764 | ₹5,830 | ₹8,935 | ₹12,622 | ₹16,267 | ₹19,467 | ₹24,650 | |
| Titanium Plus🛡 Maximum Coverage | ₹5,671 | ₹6,926 | ₹10,576 | ₹14,915 | ₹19,201 | ₹22,971 | ₹29,064 |
Annual Travel Insurance for Business Travelers
Frequent flyers and Business professionals travelling regularly from India to the USA, Europe, Middle East and Asia can skip the hassle of single-trip policies with an annual multi trip travel insurance plan. The best annual travel insurance India provides continuous protection against unexpected medical emergencies, trip interruptions, baggage delays and travel inconveniences during multiple overseas visits throughout the year. To compare and secure instant, visa-compliant policies, explore our digital platform to get free quotes and buy Frequent flyer travel insurance.
How to Extend or Renew Your TATA AIG Annual Multi Trip Travel Insurance While Abroad?
Indian travelers who want to extend or renew TATA AIG travel insurance can complete the TATA AIG Annual multitrip travel insurance renewal request form online and we will try to get an approval for you.
The following documents are required for extending/renewing the policy:
- Filled & signed Good health declaration
- Passport (first and last page & stamp page of the departure)
- Air ticket copy of onward journey (traveled from India to overseas)
TATA AIG Travel Annual Plan Coverage Options Explained (Benefits & Limits)
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Tata AIG Annual travel insurance plans benefits
Sublimits applicable on Inpatient Treatment / Day Care Treatment / Outpatient Treatment:Benefits Silver Silver Plus Gold Platinum Titanium Titanium Plus Sublimits With sublimit / Without Sublimit With sublimit / Without Sublimit With sublimit / Without Sublimit With sublimit / Without Sublimit With sublimit / Without Sublimit With sublimit / Without Sublimit Age 12 years - 70 years 12 years - 70 years 12 years - 70 years 12 years - 70 years 12 years - 60 years 12 years - 60 years Destination All countries covered, Excluding politically disturbed countries All countries covered, Excluding politically disturbed countries All countries covered, Excluding politically disturbed countries All countries covered, Excluding politically disturbed countries All countries covered, Excluding politically disturbed countries All countries covered, Excluding politically disturbed countries Sum Insured for Accident & Sickness Up to $50,000
Deductible : $100Up to $100,000
Deductible : $100Up to $250,000
Deductible : $100Up to $500,000
Deductible : $100Up to $750,000
Deductible : $100Up to $1,000,000
Deductible : $100Pre Existing Disease Coverage (only in case of life threatening conditions) Up to $2,500 Up to $5,000 Up to $10,000 Up to $10,000 Up to $15,000 Up to $20,000 Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured) Up to $50,000
Deductible : $100Up to $100,000
Deductible : $100Up to $250,000
Deductible : $100Up to $500,000
Deductible : $100Up to $750,000
Deductible : $100Up to $1,000,000
Deductible : $100Repatriation of Mortal Remains Up to 25% of Accident & Sickness Sum Insured Up to 25% of Accident & Sickness Sum Insured Up to 25% of Accident & Sickness Sum Insured Up to 25% of Accident & Sickness Sum Insured Up to 25% of Accident & Sickness Sum Insured Up to 25% of Accident & Sickness Sum Insured Accidental Death & Disablement (Overseas) Accidental Death: Maximum $10,000
Accidental Disablement: Maximum $10,000
Benefit Total - Maximum $10,000Accidental Death: Maximum $10,000
Accidental Disablement: Maximum $10,000
Benefit Total - Maximum $10,000Accidental Death: Maximum $15,000
Accidental Disablement: Maximum $15,000
Benefit Total - Maximum $15,000Accidental Death: Maximum $25,000
Accidental Disablement: Maximum $25,000
Benefit Total - Maximum $25,000Accidental Death: Maximum $50,000
Accidental Disablement: Maximum $50,000Benefit Total - Maximum $50,000Accidental Death: Maximum $75,000
Accidental Disablement: Maximum $75,000Benefit Total - Maximum $75,000Emergency Medical Dental Expenses $300
Deductible : $50$400
Deductible : $50$500
Deductible : $50$1,000
Deductible : $50$1,000
Deductible : $50$1,200
Deductible : $50Delay of Checked-in Baggage $40
Deductible : After 4 hours$40
Deductible : After 4 hours$45
Deductible : After 4 hours$50
Deductible : After 4 hours$50
Deductible : After 4 hours$50
Deductible : After 4 hoursLoss of Checked-in Baggage $200 $200 $300 $300 $400 $500 Loss of Passport $250
Deductible : $25$250
Deductible : $25$250
Deductible : $25$250
Deductible : $25$500
Deductible : $25$500
Deductible : $25Personal Liability $100,000
Deductible : $200$100,000
Deductible : $200$200,000
Deductible : $200$500,000
Deductible : $250$500,000
Deductible : $250$500,000
Deductible : $250Trip Curtailment $500
Deductible : $50$500
Deductible : $50$750
Deductible : $75$1,000
Deductible : $100$1,000
Deductible : $100$1,500
Deductible : $100Trip Cancellation $500
Deductible : $50$500
Deductible : $50$750
Deductible : $50$1,000
Deductible : $100$1,000
Deductible : $100$1,500
Deductible : $100Flight Delay - - $45 For all overseas flights taken during Insured Trip
Deductible : After 4 hours$50 For all overseas flights taken during Insured Trip
Deductible : After 4 hours$50 For all overseas flights taken during Insured Trip
Deductible : After 4 hours$50 For all overseas flights taken during Insured Trip
Deductible : After 4 hoursMissed Flight/Connection $250 $250 $500 $750 $750 $750 Bounced Hotel/Airline booking $500
Deductible : $50$500
Deductible : $50$750
Deductible : $75$1,000
Deductible : $100$2,500
Deductible : $100$5,000
Deductible : $100Fraudulent Charges Per Occurrence Limit $250; Maximum Limit $500 Per Occurrence Limit $250; Maximum Limit $500 Per Occurrence Limit $500; Maximum Limit $1000 Per Occurrence Limit $1000; Maximum Limit $2000 Per Occurrence Limit $1250; Maximum Limit $2500 Per Occurrence Limit $1250; Maximum Limit $2500 Home Content Burglary (in INR) ₹50,000
Deductible : ₹5,000₹50,000
Deductible : ₹5,000₹1,50,000
Deductible : ₹5,000₹2,50,000
Deductible : ₹5,000₹5,00,000
Deductible : ₹5,000₹5,00,000
Deductible : ₹5,000Accommodation Extension $100 per day upto Maximum of 10 days $250 per day upto Maximum of 10 days $300 per day upto Maximum of 10 days $750 per day upto Maximum of 10 days $1000 per day upto Maximum of 10 days $1000 per day upto Maximum of 10 days Hijack/Kidnap Daily Allowance - $75 for every 12 hours, upto Maximum of 10 days $100 Per 12 hours, upto Maximum of 10 days $150 Per 12 hours, upto Maximum of 10 days $150 Per 12 hours, upto Maximum of 10 days $200 Per 12 hours, upto Maximum of 10 days Loss of International driving license - $100 $100 $100 $150 $150 Flight Cancellation - $75 $75 $150 $200 $250 Emergency Extension of the Policy 7 days 7 days 7 days 15 days 15 days 15 days Loss of Personal Baggage - - $200
Deductible : $30$300
Deductible : $30$400
Deductible : $30$500
Deductible : $30Personal Accident in India (in INR) - - ₹15,00,000 ₹20,00,000 ₹25,00,000 ₹50,00,000 Compassionate Travel/Stay - - - Upto $3,500 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member Upto $5,000 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member Upto $5,000 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member Loss of Cash - - - $125 $250 $375 Upgradation to Business Class - - - - $750 $1,000 Rental Vehicle Cover - - - - $500 $500 Rental Vehicle Return - - - - $250 $500 Alternative Transport Expenses - - - - $750 $1,000 Pandemic Cover - - - - $500 $500 Hospital Daily Cash (Per Day) - - - - - $75 Per day, upto Maximum of 10 days Missed Booking - - - - - $750 Visa Rejection - - - - - $100 Medical Sublimit Silver Silver Plus Gold Platinum Titanium Titanium Plus Hospital Room Rent and Boarding expenses $1,500 per Day up to 30 Days $1,500 per Day up to 30 Days $1,750 per Day up to 30 Days $2,000 per Day up to 30 Days $2,000 per Day up to 30 Days $2,500 per Day up to 30 Days Emergency Room Services $1,500 $1,500 $1,750 $2,000 $2,000 $2,500 ICU Charges $3,000 per Day up to 7 Days $3,000 per Day up to 7 Days $3,250 per Day up to 7 Days $3,750 per Day up to 10 Days $3,750 per Day up to 10 Days $4,000 per Day up to 10 Days Surgical Treatment Expenses $12,500 $12,500 $13,000 $15,000 $15,000 $22,500 25% of Surgical Treatment Expenses for Anesthetist Services 25% of Surgical Treatment Expenses for Anesthetist Services 25% of Surgical Treatment Expenses for Anesthetist Services 25% of Surgical Treatment Expenses for Anesthetist Services 25% of Surgical Treatment Expenses for Anesthetist Services 25% of Surgical Treatment Expenses for Anesthetist Services Physician Consultation Charges $125 per day up to 10 visits $125 per day up to 10 visits $175 per day up to 10 visits $250 per day up to 10 visits $250 per day up to 10 visits $350 per day up to 10 visits Diagnostic Tests Up to $750 Up to $750 Up to $1,000 Up to $1,500 Up to $1,500 Up to $2,500 Ambulance Service (Not applicable for Outpatient Treatment) Up to $500 Up to $500 Up to $600 Up to $750 Up to $750 Up to $1,000 Pharmacy Up to $2,000 Up to $2,000 Up to $2,000 Up to $2,000 Up to $2,000 Up to $2,000 Miscellaneous Expenses Up to $500 Up to $500 Up to $500 Up to $500 Up to $500 Up to $500 Emergency Room Services $27,500 $27,500 $30,000 $35,000 $35,000 $40,000 Non-Surgical (Medical Management cases) $13,000 $13,000 $15,000 $17,500 $17,500 $20,000 -
Sublimits applicable on Inpatient Treatment / Day Care Treatment / Outpatient TreatmentBenefits Senior Senior Plus Sublimits With sublimit / Without Sublimit With sublimit / Without Sublimit Age 71-80 years 71-80 years Destination All countries covered, Excluding politically disturbed countries All countries covered, Excluding politically disturbed countries Sum Insured for Accident & Sickness Upto $50,000
Deductible : $100Upto $100,000
Deductible : $100Pre Existing Disease Coverage (only in case of life threatening conditions) Upto $2,500 Upto $3,000 Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured) Up to $50,000
Deductible : $100Up to $100,000
Deductible : $100Repatriation of Mortal Remains Upto 25% of Accident & Sickness Sum Insured Upto 25% of Accident & Sickness Sum Insured Accidental Death & Disablement (Overseas) Accidental Death: Maximum $10,000
Accidental Disablement: Maximum $10,000
Benefit Total - Maximum $10,000Accidental Death: Maximum $10,000
Accidental Disablement: Maximum $10,000
Benefit Total - Maximum $10,000Emergency Medical Dental Expenses $300
Deductible : $75$500
Deductible : $75Delay of Checked-in Baggage $40
Deductible : After 4 hours$40
Deductible : After 4 hoursLoss of Checked-in Baggage $200 $200 Loss of Passport $250
Deductible : $25$250
Deductible : $25Personal Liability $1,00,000
Deductible : $200$1,00,000
Deductible : $200Trip Curtailment $500
Deductible : $100$500
Deductible : $100Trip Cancellation $250
Deductible : $50$500
Deductible : $50Flight Delay $40 For all overseas flights taken during Insured Trip
Deductible : After 4 hours$40 For all overseas flights taken during Insured Trip
Deductible : After 4 hoursMissed Flight/Connection $250 $250 Bounced Hotel/Airline booking $500
Deductible : $50$500
Deductible : $75Home Content Burglary (in INR) ₹50,000
Deductible : ₹5,000₹50,000
Deductible : ₹5,000Accommodation Extension $50 per day upto Maximum of 10 days $100 per day upto Maximum of 10 days Hijack/Kidnap Daily Allowance $75 Per 12 hours, upto Maximum of 10 days $100 Per 12 hours, upto Maximum of 10 days Flight Cancellation - $75 Emergency Extension of the Policy 7 days 7 days Loss of Personal Baggage Not Available
Deductible : Not Available$200
Deductible : $30Compassionate Travel/Stay Upto $2,500 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member Upto $5,000 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member Medical Sublimit Senior Senior Plus Hospital Room Rent and Boarding expenses $1,500 per Day up to 30 Days $1,500 per Day up to 30 Days Emergency Room Services $1,500 $1,500 ICU Charges $3,000 per Day up to 7 Days $3,000 per Day up to 7 Days Surgical Treatment Expenses $12,500 $12,500 25% of Surgical Treatment Expenses for Anesthetist Services 25% of Surgical Treatment Expenses for Anesthetist Services Physician Consultation Charges $125 per day upto 10 visits $125 per day upto 10 visits Diagnostic Tests Up to $750 Up to $750 Ambulance Service (Not applicable for Outpatient Treatment) Up to $500 Up to $500 Pharmacy Up to $2,000 Up to $2,000 Miscellaneous Expenses Up to $500 Up to $500 Emergency Room Services (Total) $27,500 $27,500 Non-Surgical (Medical Management cases) $13,000 $13,000 -
- Medical Services provider referral
- Arrangement of hospital admissions
- Lost luggage assistance
- Emergency Travel Services
- Embassy referral services
- Claims procedure information services
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Credit card purchase procedure
You can purchase the policy online using a credit card from anywhere in the globe. Most of our customers purchase the policy from the United States,U.K ,Australia,etc.. for parents or family members who are visiting from India. Customers can use international credit cards for purchasing. On completing the application and purchase using a credit card, you will receive an immediate acknowledgement of purchase. Within 24 to 48 hours, the insurance policy will be issued and emailed to the email ID provided in the application. The policy will also be couriered to the Indian address in the application.
Cheque payment purchase
For customers who do not want to use the online facility, payment can be made by cheques. Please email us for details.
Call us at 080-41101026 in India. Our Insurance Advisor will assist you and with our Advisor's guidance, you can choose the level of cover you require. This policy is available to Indian residents only.
Payment options
- 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
Note: To ensure quality health care in America, TATA AIG has partnered with UnitedHealth Group, one of the leading Health Care providers in the United States. This gives our customers access to United Healthcare network of hospitals and physicians in USA. -
You are not covered if any expenses incurred directly or indirectly in respect of:
- Traveling against the advice of a Physician
- For obtaining treatment
- Pre-existing ailments & complications unless it is life threatening (as per terms and conditions)
- Suicide or attempted suicide
- War
- Terrorism
- Illegal Acts
- Dangerous Sports etc.
For other exclusions please refer to the policy wordings.
TATA AIG Annual Multi Trip Travel Insurance – Frequently Asked Questions
Is annual multi trip insurance cheaper than buying multiple single-trip policies?
For frequent travellers, annual multi trip travel insurance can often be more cost-effective than purchasing separate single-trip policies throughout the year. Instead of arranging a new policy before every journey, travellers receive year-round coverage under a single plan, making it a convenient option for those who travel internationally multiple times each year.
How many trips per year make annual travel insurance worthwhile?
Annual multi trip insurance is generally most suitable for travellers who expect to take three or more international trips during a policy year. Frequent business travellers, consultants, and leisure travellers who regularly visit multiple countries often find annual coverage more practical than buying individual policies for each trip.
Can I travel to different countries under the same annual travel insurance policy?
Yes. Annual multi trip travel insurance is designed to provide coverage for multiple international journeys during the policy period. Travellers can visit different countries throughout the year, subject to the terms, conditions, destinations covered, and maximum trip duration specified in the policy.
Is annual travel insurance suitable for Schengen visa applications?
Annual travel insurance can be used for Schengen visa applications as they satisfy the visa requirements applicable to Schengen countries, including the minimum medical coverage requirements. Travellers should always verify that their chosen plan meets the specific requirements of the embassy or consulate handling their visa application.
Does annual multi trip insurance cover business travel?
Yes. Annual travel insurance is particularly popular among business travellers who make frequent overseas trips. Coverage includes your unforeseen emergency medical expenses, trip interruptions, baggage-related losses, personal liability, and other travel-related risks, depending on the selected plan and policy terms.
What happens if a trip exceeds the maximum trip duration allowed under the policy?
Annual multi trip policies generally specify a maximum duration for each individual trip. If a journey exceeds this limit, coverage will not apply beyond the permitted duration. Travellers should plan their stay during their course of the journey, if you overstay, then you are uninsured. In very rare cases the insurance company might give special approval for the remaining days for insurance.
Can NRIs purchase annual multi trip travel insurance from India?
Yes, on case to case basis. He / she should be residing in India for atleast 6 months and should have OCI or PIO card. However eligibility depends on the insurer's underwriting guidelines. Travellers should review the policy details and eligibility criteria before purchasing coverage.
Does annual travel insurance include coverage for COVID-19 and other infectious diseases?
Coverage for COVID-19 and other infectious diseases varies by insurer and plan. Some travel insurance policies may provide benefits for emergency medical treatment, hospitalization, quarantine-related expenses, or trip disruptions arising from covered illnesses. Travellers should review the policy wording carefully to understand available benefits and exclusions.
Is there a limit on the number of trips I can take during the policy year?
Annual multi trip travel insurance is designed for multiple international journeys during the policy period. While the number of trips is limited to 30,45,60,90,120,150 or 180 days limit. Policyholders should refer to the specific terms and conditions of their chosen plan.
Can annual multi trip travel insurance be renewed every year?
Yes. Most annual travel insurance plans can be renewed at the end of the policy term, subject to the insurer's renewal guidelines and applicable policy conditions. Renewing coverage helps frequent travellers maintain continuous protection for future international trips.
What is the difference between a single-trip and an annual multi-trip insurance plan?
Single-trip insurance covers one time trip while annual multi trip travel insurance covers multiple trips in a year. Single trip travel insurance is suitable who travel occassionly while multi trip travel insurance is siutable for business preofeesionls and frequent flyers. You have to pay each time when you buy single trip while you have to pay only once if you buy multi trip travel insurance.
Can I travel to any destination using this multi trip travel insurance?
Yes, the traveler can travel to any country according to the destination (Worldwide, Excluding USA & Canada & SGN) , which has been selected.However, certain high-risk countries or regions may not be covered, so it's essential to review the policy terms and conditions.
What is the maximum entry age to purchase Tata AIG's annual multi-trip insurance?
Maximum entry age for Tata AIG’s Annual Multi-Trip Insurance plan is 80 years. However if the traveler is already having multitrip plan, he can renew multiple number of years beyond 80 years without a break.
How many trips are covered under Tata AIG's multi-trip insurance plan?
Tata AIG’s Annual Multi-Trip plans cover an unlimited number of trips made during the policy period. This feature is especially advantageous for frequent international travelers. Annual travel insurance plans are issued for a period of one year with no restriction on the number of trips made by the insured, provided each trip falls within the 30/45/60/90/120/150/180-day duration specified in the chosen plan.
What is the maximum duration of a trip under Tata AIG's Annual Multitrip travel insurance?
Tata AIG offers seven options: 30/45/60/90/120/150/180 days. This means that each individual trip must not exceed the maximum duration specified in the chosen plan. For example, if you opt for the 45-day option, each trip must not exceed 45 consecutive days. However, you can take an unlimited number of trips within the one-year policy period.
What is the best travel insurance for frequent international travellers?
TATA AIG is consistently one of the most recommended names for annual overseas travel insurance in India, and for good reason. Their annual multi trip plans offer six tiers — Silver, Silver Plus, Gold, Platinum, Titanium, and Titanium Plus — giving travellers the flexibility to match their coverage to their actual risk exposure It is a one year travel insurance.
The Silver plan starts at just ₹2,348 per year for a 25-year-old, covering worldwide travel with a medical sum insured of $50,000 and a per-trip cap of 30 days. At the top end, the Titanium Plus plan provides $1,000,000 in medical cover, making it genuinely competitive with international standards for frequent US and Europe travellers.
What are the benefits of choosing Tata AIG multi-trip insurance over single-trip insurance?
A single-trip policy covers just one specific trip abroad, while an annual multi-trip plan provides coverage for 12 months, allowing multiple trips within that time. The key advantage of a multi-trip policy is the convenience of not needing to arrange separate insurance for each trip, making it ideal for frequent travelers. Plus, policyholders don't have to notify the insurance company each time they travel. In the long run, this option often provides better value compared to buying multiple single-trip policies throughout the year.
Does TATA AIG Annual multitrip cover pre-existing conditions?
Yes. It covers pre-existing medical conditions under life threatening conditions up to $20,000 depending upon the age and plan chosen. Please go through the policy terms and conditions before you purchase the plan.
What Is Not Covered Under Tata AIG Annual Multitrip Travel Insurance?
- Medical expenses for the treatment of pre-existing conditions are covered only in cases of life-threatening emergencies.
- Medical expenses for the treatment of life-threatening illnesses.
- Medical treatments for self-inflicted injuries, suicide attempts, HIV, routine check-ups, and substance abuse (alcohol or drugs).
- Any incidents that occur while traveling against your doctor's recommendations.
- Medical expenses incurred while traveling abroad specifically for medical treatment.
- Claims related to nuclear hazards, war, and war-related activities are not covered.
- Any non-medical expenses that are not specifically outlined in the policy coverage terms.
- Expenses resulting from theft or loss due to negligence or carelessness, or if the incident is not reported to the police.
- Medical emergencies that occur after the insured person has returned to India.
Is annual multi-trip travel insurance worth it?
Obviously buying annual multi trip travel insurance worth it. Annual multi trip travel insurance India is available at a cheaper price for a year when compared to single trip travel insurance. The best annual multi trip travel insurance to buy online is the Tata AIG annual multi trip insurance.
Can I get travel insurance for a whole year?
Yes, Tata AIG travel guard plus offers plans which covers travellers for one year. If you are traveling for a longer duration, then you can buy single trip travel insurance. If you are travelling frequently multiple times in a year for a short duration, then you can buy 1 year travel insurance worldwide.
TATA AIG Overseas Travel Insurance, TATA AIG International Travel Insurance
You can buy Travel Guard Plus online by using a credit/debit card, direct funds transfer, NEFT or RTGS or by a cheque.
Travelers already outside India without insurance? We can try to get special approval to buy TATA AIG travel insurance online.
Calculate the TATA AIG international travel insurance premium for Indian travelers and senior citizens travelling overseas.
In case of Claim or reimbursement of treatment expenses, notify TATA AIG toll free and helpline.
Download TATA AIG Travel Guard Plus brochure online!
Travel insurance customers can renew their existing policy online before the exipry date at any time.
Tata AIG International Travel Insurance Review
Find out the best Tata AIG International Travel Insurance!
TATA AIG Citation
Mr. Jaideep Deorukhkar, Head Travel Services at Tata AIG says "NRIOL has been one of our key partners in India for the past 2 Decades and has been pivotal in providing Tata AIG customers an opportunity to purchase their TATA AIG travel insurance online".
Customer testimonials
Prompt Claims Settlement
I would highly recommend nriol.com and Tata AIG for travel insurance. The purchase process was simple, the people were helpful and the rates were competitive. But, most importantly, my claim was settled promptly without much bureaucracy. 
Suresh Ramaswamy
Quick Service Thanks a lot for the speedy response and sending me the policy pdf. This is very useful and will be helpful for my parent's travel. I really liked the quick customer service and very happy with the response.
Ashwin
Excellent Service Thank you very much for your amazing service and response. I am really satisfied with the service and support of NRIOL. This is the second time I have benefited from the excellent service of NRIOL. I would surely recommend NRIOL to anyone looking to buy insurance for travelling abroad.
Soham
Convenient & Effortless
Thanks a lot for making this so convenient and effortless. I really appreciate your efforts towards this.
Look forward to doing more business with you in future.
AVINASH C AGRAHAR
Excellent Service Thank you very much on your prompt service for helping me in making this transaction possible in a short time as the online transaction site was giving trouble.
P K SAHU
Very pleased with the service
Thanks for your calls and taking care of my mother and in-laws travel insurance renewal. We are all very pleased with the service provide by you and your team.
Sudip Chakraborty