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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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 | 45 Days Per Trip | 60 Days Per Trip | 90 Days Per Trip | 120 Days Per Trip | 150 Days Per Trip | 180 Days Per Trip | Buy |
|---|---|---|---|---|---|---|---|---|
| Silver Plan 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 |
*Example premium for an adult aged 25. Premiums vary by age and selected per-trip duration. Get an instant quote for your travel.
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 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 becomes more 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.
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.
TATA AIG Annual Multi Trip Travel Insurance - Frequently Asked Questions
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 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 is 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.
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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".
TATA AIG Travel Annual Plan Coverage Options Explained (Benefits & Limits)
Tata AIG Annual travel insurance plans benefits
| 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 : $100 |
Up to $100,000 Deductible : $100 |
Up to $250,000 Deductible : $100 |
Up to $500,000 Deductible : $100 |
Up to $750,000 Deductible : $100 |
Up to $1,000,000 Deductible : $100 |
| Pre 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 : $100 |
Up to $100,000 Deductible : $100 |
Up to $250,000 Deductible : $100 |
Up to $500,000 Deductible : $100 |
Up to $750,000 Deductible : $100 |
Up to $1,000,000 Deductible : $100 |
| Repatriation 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 $10,000 |
Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
Accidental Death: Maximum $15,000 Accidental Disablement: Maximum $15,000 Benefit Total - Maximum $15,000 |
Accidental Death: Maximum $25,000 Accidental Disablement: Maximum $25,000 Benefit Total - Maximum $25,000 |
Accidental Death: Maximum $50,000 Accidental Disablement: Maximum $50,000Benefit Total - Maximum $50,000 |
Accidental Death: Maximum $75,000 Accidental Disablement: Maximum $75,000Benefit Total - Maximum $75,000 |
| Emergency Medical Dental Expenses | $300 Deductible : $50 |
$400 Deductible : $50 |
$500 Deductible : $50 |
$1,000 Deductible : $50 |
$1,000 Deductible : $50 |
$1,200 Deductible : $50 |
| Delay 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 hours |
| Loss 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 : $25 |
| Personal Liability | $100,000 Deductible : $200 |
$100,000 Deductible : $200 |
$200,000 Deductible : $200 |
$500,000 Deductible : $250 |
$500,000 Deductible : $250 |
$500,000 Deductible : $250 |
| Trip Curtailment | $500 Deductible : $50 |
$500 Deductible : $50 |
$750 Deductible : $75 |
$1,000 Deductible : $100 |
$1,000 Deductible : $100 |
$1,500 Deductible : $100 |
| Trip Cancellation | $500 Deductible : $50 |
$500 Deductible : $50 |
$750 Deductible : $50 |
$1,000 Deductible : $100 |
$1,000 Deductible : $100 |
$1,500 Deductible : $100 |
| Flight 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 hours |
| Missed 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 : $100 |
| Fraudulent 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 : ₹5,000 |
| Accommodation 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 : $30 |
| Personal 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 |
Sublimits applicable on Inpatient Treatment / Day Care Treatment / Outpatient Treatment:
| 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 |
Tata AIG Annual travel insurance for seniors (71-80 years)
| Benefits | 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 : $100 |
Upto $100,000 Deductible : $100 |
| Pre 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 : $100 |
Up to $100,000 Deductible : $100 |
| Repatriation 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 $10,000 |
Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
| Emergency Medical Dental Expenses | $300 Deductible : $75 |
$500 Deductible : $75 |
| Delay of Checked-in Baggage | $40 Deductible : After 4 hours |
$40 Deductible : After 4 hours |
| Loss of Checked-in Baggage | $200 | $200 |
| Loss of Passport | $250 Deductible : $25 |
$250 Deductible : $25 |
| Personal Liability | $1,00,000 Deductible : $200 |
$1,00,000 Deductible : $200 |
| Trip Curtailment | $500 Deductible : $100 |
$500 Deductible : $100 |
| Trip Cancellation | $250 Deductible : $50 |
$500 Deductible : $50 |
| Flight 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 hours |
| Missed Flight/Connection | $250 | $250 |
| Bounced Hotel/Airline booking | $500 Deductible : $50 |
$500 Deductible : $75 |
| Home Content Burglary (in INR) | ₹50,000 Deductible : ₹5,000 |
₹50,000 Deductible : ₹5,000 |
| Accommodation 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 : $30 |
| Compassionate 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
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 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
ItZ cash, Pay Cash
Paymate, IMPS, Scan N Pay
Paytm, Mobikwik, Oxigen wallet, Freecharge, Jio Money etc.
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.