TATA AIG Travel Insurance for Canada From India (2026)
Affordable Medical & Emergency Coverage for Indians Visiting Canada – Starting ₹68/Day*
Secure Your Trip with TATA AIG – Now at 0% GST
Why Buy TATA AIG Travel Insurance Canada?
Trusted by 15,500+ Travelers
Travel Health Insurance for Indian Tourists Visiting Canada
The Indian Canadian community (about Three million strong) is one of the most enterprising immigrant communities in Canada. Indian Canadians have reached the highest offices in Canada in diverse fields ranging from academia, medicine, information technology, entrepreneurship, hotel management and of late even in Judiciary and politics. One of the endearing attributes of this community is the strong ties it retains with India.
This community often hosts friends and family members from India in Canada. It is also very common to see parents and grand-parents visiting children in Canada. These visits often extend up to six months. While visiting Canada is fun, visiting an hospital in Canada especially without any insurance is devastating.
How Much Is Travel Insurance for Canada? A Complete Cost Guide for 2026
The Best travel insurance for Canada from India price ranges between ₹2,530 to ₹5,590 per month for 25 years old traveler, based on type of plan and policy maximum coverage.
Canada Travel Insurance from India – Price Summary for 2026
The Canada travel insurance from India cost is higher than most other destinations because Canada has the most expensive healthcare system in the world. Even a single emergency room visit in the US and Canada can cost USD 5,000–20,000 without insurance. Here is a quick Canada travel insurance from India price overview by plan tier for a 25-year-old traveller:
| Plan | Medical Cover | 30 Days | 60 Days | 90 Days | 180 Days |
|---|---|---|---|---|---|
| $50,000 | ₹2,530 (~84/day) |
₹4,220 (~70/day) |
₹6,873 (~76/day) |
₹12,282 (~68/day) |
|
| $100,000 | ₹2,988 (~99/day) |
₹4,583 (~76/day) |
₹7,932 (~88/day) |
₹15,072 (~83/day) |
|
| $250,000 | ₹3,359 (~111/day) |
₹5,102 (~85/day) |
₹9,367 (~104/day) |
₹17,718 (~98/day) |
|
| $500,000 | ₹3,550 (~118/day) |
₹5,654 (~94/day) |
₹9,579 (~106/day) |
₹17,971 (~100/day) |
|
| $750,000 | ₹4,714 (~157/day) |
₹7,092 (~118/day) |
₹12,023 (~133/day) |
₹22,605 (~125/day) |
|
| $1,000,000 | ₹5,590 (~186/day) |
₹8,392 (~139/day) |
₹14,189 (~157/day) |
₹26,642 (~148/day) |
**₹68/day is the lowest available rate - Silver Plan ($50,000 medical cover) for a 180-day trip for a 25-year-old traveller. Actual cost varies by age, plan, and trip duration. Travellers above 56 years pay higher premiums due to age-linked sub-limits.
The cheapest travel insurance for Canada from India is the Silver Plan - the most affordable visitor insurance from India to Canada available through TATA AIG. For a 30-day trip at age 25, the Silver Plan costs just ₹2,530 in total - less than a single outpatient visit at an urgent care clinic. However, given the extreme cost of Canada healthcare, most advisors recommend the Gold Plan or above for adequate financial protection.
Medical Insurance for Visitors to Canada from India - Why It Is Non-Negotiable
Canada has no universal healthcare system. Foreign nationals receive no government-subsidised medical care and are billed at full private rates for every service. For Indian visitors, medical insurance for visitors to Canada from India is not optional - it is a financial necessity. Here is what the numbers look like without cover:
| Medical Scenario | Estimated Cost (USD) | Recommended Minimum Cover |
|---|---|---|
| Urgent care / GP visit | $200 - $600 | Any plan |
| Emergency room visit | $6,000 - $21,000 | Silver ($50,000) |
| Hospitalisation - 3 to 5 days | $25,000 – $75,000 | Gold ($250,000) |
| Cardiac event / ICU stay (3-6 days) | $60,000 - $150,000+ | Platinum ($500,000) |
| Surgery + extended hospitalisation | $100,000- $500,000+ | Titanium or Titanium Plus |
| Senior traveller (56+) with complications | $150,000 - $500,000+ | Titanium Plus ($1,000,000) |
TATA AIG's health insurance for Canada from India specifically addresses these costs - providing cashless hospitalisation through the United Healthcare PPO network, 24x7 local US assistance, and coverage in USD while you pay premiums in INR. It is one of the most trusted visitor insurance Canada from India options available for Indian nationals, including tourists, parents visiting children, and business travellers.
TATA AIG Visitor Insurance from India to Canada - Who Should Buy Which Plan?
TATA AIG's Canada travel insurance for visitors from India offers six distinct plans. The right one depends on your age, trip duration, and health profile. Here is a quick recommendation guide:
| Traveller Profile | Recommended Plan | Why |
|---|---|---|
| Young traveller (age below 40), short trip (30 days) | Silver or Silver Plus | Cost-effective; $50,000-$100,000 cover is adequate for routine emergencies |
| Mid-age traveller (age 40–55), 60 days | Gold Plan | $250,000 cover; includes flight delay and bounced booking cover |
| Parents visiting children in the US (age 56–70) | Platinum or Titanium Plan | Higher medical cover; no-sublimit options for unrestricted hospitalisation cover |
| Senior traveller (age 71–80) | Senior Plus Plan ($100,000) | Age-appropriate plan with no-sublimit option for full financial protection |
| Senior traveller (age 80+) | Super Senior Plan ($50,000) | Specifically underwritten for travellers above 80 years |
| Business traveller, extended stay (90+ days) | Titanium Plus Plan | $1,000,000 cover; rental vehicle, accommodation extension, and compassionate travel |
This travel insurance from India to Canada for Indians covers the full spectrum - from a 25-year-old tourist visiting Ontario for a month to a 75-year-old parent staying with family in Canadian province for six months. Every plan issues an instant digital policy certificate upon payment, which you can use as proof of insurance for Canada visa applications.
Benefits of Buying TATA AIG Travel Insurance for Indians to Canada
- Covers health expenses in Canada - Ideal protection against high medical costs during your visit.
- Popular among parents - Widely preferred as visitor insurance for senior travelers.
- Strong network of hospitals - Access to United Healthcare network in U.S. and Canada for cashless treatment.
- Local customer support in Canada - Dedicated assistance from TATA AIG while you're abroad
Factors Affecting the Cost of TATA AIG Travel Insurance for Canada
The cost of the best medical insurance for visitors to Canada from India, such as TATA AIG travel medical insurance, depends on several factors:- Age of the traveler:
- Senior citizens (above 70) are more prone to medical emergencies and accidents.
- Premiums are higher and may include additional restrictions for older travelers.
- Length of travel:
- Longer trips require higher coverage durations, which increases the cost of insurance.
- Travel Destination:
- Countries with high healthcare costs like Canada have higher premiums compared to other destinations.
- Policy Maximum Limit:
- Plans with higher accident and sickness coverage limits cost more but provide better protection.
- Sub-limits vs No Sub-limits:
- Applicable mainly for travelers over 56.
- Plans with sublimits are cheaper but less comprehensive. Plans without sublimits are more expensive but provide full financial protection.
Real-Life Scenario / Claim Example in Canada
Example: How a “$250,000” plan helps vs “$50,000”Ms. Meena (age 66) traveled to one of the Canadian province for 45 days. She developed pneumonia and required hospitalization in a private hospital. The total bill (room, ICU, diagnostics, medicines) came to USD 150,000.
With a policy of USD 50,000, after paying deductible, she would have to pay ~USD 100,000 out-of-pocket.
Had she chosen a USD 250,000 plan, the insurer would cover the full admissible cost (minus deductible), saving her tens of thousands of dollars.
What Are the Benefits of TATA AIG Travel Insurance from India to Canada?
| Plan Variant | Sum Insured | Key Benefits |
|---|---|---|
| $50,000 | Covers loss of passport, fraudulent credit card charges, and home burglary protection (in INR) while abroad. Ideal for short trips. | |
| $100,000 | Includes trip curtailment, loss of International Driving License (IDL), and protection against fraudulent charges. Perfect for budget travelers. | |
| $250,000 | Adds coverage for flight delays, bounced hotel/flight bookings, and personal accident coverage in India. Great for frequent travelers. | |
| $500,000 | Offers emergency policy extension, hijack/kidnap daily allowance, and compassionate travel/stay benefits if you need to visit a sick family member abroad. | |
| $750,000 | Covers personal accident in India, rental vehicle cover, and rental vehicle return — ideal for long stays or business trips. | |
| $1,000,000 | Top-tier coverage with accommodation extension in case of delayed return and loss of personal baggage. Best for extended trips or senior travelers. |
Best Plan Options for Your Trip to Canada
Compare the cheapest and best plans to choose the right coverage for your Canada trip.
Cheapest Canada Travel Insurance
- Medical Cover: $50,000
- Pre-existing Conditions: Up to $2,500
- Baggage Loss: $200
- Cancellation: $500
Best Canada Travel Insurance
- Medical Cover: $250,000
- Pre-existing Conditions: Up to $10,000
- Baggage Loss: $300
- Cancellation: $750
Features of TATA AIG Canada Travel Insurance
TATA AIG travel insurance for Canada is designed to protect the traveller against different unforeseen incidents that may occur while travelling. It provides the traveller a buffer for unexpected financial loss while traveling in an overseas environment. Here are some features of travel insurance for Canada worth noting.- Low Entry Age: Our travel insurance plans for Canada cover people who are 3 months old. This should give a guardian adequate comfort in the travel insurance policy to cover their loved ones travelling.
- High Sum Insured: TATA AIG travel insurance offers high sums insured of up to $10,00,000. High sums insured means more expenses are covered under the plan and less out-of-pocket expense for you.
- Family Premium Discounts: Enjoy savings of up to 15% on family travel insurance when you purchase coverage for all members together. This discounted family travel insurance option helps reduce costs while ensuring comprehensive protection for your entire family.
- Options: TATA AIG Travel Insurance is available to policyholders in 6 options. Each option has specific and unique attribute benefits to meet needs. The options available to the policyholder are Silver, Silver Plus, Gold, Platinum, Titanium and Titanium Plus.
Cashless Travel Insurance for Canada from India - How It Works
TATA AIG offers cashless travel insurance for Canada from India through a partnership with the United Healthcare PPO network - one of the largest hospital networks in the United States and Canada. This means eligible in-patient hospitalisation costs are settled directly between TATA AIG and the hospital, without you needing to pay upfront.
How cashless claims work in the Canada:
- Emergency occurs: You are hospitalised at a network hospital in the Canada.
- Call the 24x7 helpline: Contact the TATA AIG assistance number shown on your policy card. Calls from Canada are handled locally.
- Hospital verification: The assistance team confirms the hospital is within the United Healthcare network and verifies your policy.
- Guarantee of Payment (GOP): TATA AIG issues the hospital a GOP - confirming it will settle eligible expenses directly.
- Treatment proceeds: You receive care without paying the hospital bill upfront. You pay only the deductible and any non-covered items.
For outpatient visits (GP visits, pharmacy, diagnostic tests), costs are paid upfront by the traveller and claimed for reimbursement afterwards with original receipts.
TATA AIG Online Payment for Canada Travel Insurance
Paying for your TATA AIG Canada travel insurance online is quick and fully secure. The following payment methods are accepted through NRIOL's platform:
- UPI - Google Pay, PhonePe, BHIM, Paytm
- Credit or debit card - Visa, Mastercard, RuPay
- Net banking - all major Indian banks
- NEFT / RTGS - for corporate or bulk purchases
After completing the TATA AIG online payment, your policy certificate is emailed instantly. There is no waiting period, no physical paperwork, and no agent visit required. The policy is valid from the next day of purchase (or your chosen start date).
What Does TATA AIG Travel Insurance for Canada Not Cover?
- Self Inflicted Harm/Injury: No compensation or assistance is provided if the insured gets sick or injured as a result of a self-inflicted injury. It also includes injuries or harm caused due to a suicide attempt.
- Loss Due to War, Invasion, Etc: Injuries or health conditions caused due to acts of war, terrorism, civil unrest, military power, etc., are a part of the travel insurance Canada exclusions.
- Adventure Sports or Dangerous Activity: Any injuries and hospital expenses incurred as a result of participating in adventure sports or dangerous activities will not be covered unless specified in the plan.
- Cosmetic & Obesity Procedures: Expenses related to cosmetic procedures or obesity treatments are not included under the scope of our travel insurance.
- Pre-Existing Diseases: The insured will not receive any compensation for treatment of pre-existing diseases. It includes those diseases that were present prior to the trip to the Canada.
How to Buy TATA AIG Travel Insurance for Canada Online
Buying travel insurance for Canada from TATA AIG is quick and hassle-free. Follow these simple steps to get your policy online within minutes.
language Step 1: Complete the TATA AIG Canada Travel Insurance Quote Form
Fill out the Travel Insurance for Canada quote form online to get started.
edit_note Step 2: Enter Traveler Details
Provide number of travelers, age, and travel dates to compare Tata AIG plan options.
tune Step 3: Select the Best Canada Travel Insurance Plan
Enter details such as No. of Traveler, traveler’s age, and number of nights. Compare India to Canada travel insurance plans and pick the best match.
payment Step 4: Pay Online
Once you’ve chosen your plan, proceed to secure online payment using your preferred method — credit/debit card, UPI, or net banking.
verified_user Step 5: Get Instant Policy Issuance
After successful payment, your TATA AIG Travel Insurance policy will be issued instantly. You’ll receive the policy document via email, which you can print or store digitally for visa and travel purposes.
TATA Travel Insurance vs Other Providers - Why AIG Travel Insurance Canada Stands Out
When comparing the best health insurance for Canada from India, Indian travellers consistently return to TATA travel insurance for one simple reason: the combination of AIG's global reach and TATA's Indian underwriting heritage creates a product that no domestic-only insurer can match.
TATA AIG travel insurance Canada plans are backed by one of the world's largest insurance conglomerates, giving policyholders access to the United Healthcare PPO network - covering thousands of hospitals across Canada and the United States. When you buy TATA AIG insurance travel plans through NRIOL, you get:
- INR-denominated premiums with USD coverage - pay in rupees, get covered in dollars.
- Local Canadian assistance - emergency calls from Canada are handled by a local team, not routed through India.
- Six distinct TATA AIG travel insurance plans - from the budget Silver Plan to the comprehensive Titanium Plus - so every traveller finds the right fit without overpaying.
- Instant digital policy - no courier, no delays, no agent visits. Your policy certificate arrives by email the moment payment clears.
Whether you are a student on a short exchange programme, a professional on a business trip, or a parent visiting children settled in Ontario or British Columbia, TATA AIG travel insurance plans have a tier designed specifically for your profile and budget.
Travel Safe to Canada with Trusted TATA AIG Insurance
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Buy Travel Insurance online using a UPI, credit/debit card, NEFT, RTGS or cheque.
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Tata AIG International Travel Insurance Review
Discover the best Tata AIG International Travel Insurance plans and benefits for travelers.
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Access TATA AIG international travel insurance policies, trusted by thousands of Indian travelers worldwide.
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Transparent pricing for TATA AIG overseas travel insurance, with no hidden costs.
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Expert guidance tailored for Indian travelers planning international trips.
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Modify travel dates, passport details, or personal information for your TATA AIG travel insurance online.
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Extend or renew your TATA AIG international travel insurance while abroad if your trip is delayed.
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Get fast claims assistance and emergency support anywhere during your overseas journey with TATA AIG travel insurance.
How Can I Extend or Renew My TATA AIG Travel Insurance Policy While Outside India?
Indian travelers who want to extend or renew TATA AIG travel insurance can complete the TATA AIG international 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)
Travel Destinations
Discover Popular Travel Destinations with Tata AIG 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".
Why Choose a Family Travel Insurance Plan for Your Canada Trip?
If you’re planning a family trip to Canada, opting for a family travel insurance plan from Tata AIG is a smart, affordable, and hassle-free choice. Family travel insurance allows you to cover all members under one comprehensive policy, helping new customers save more through family travel insurance discounts and reduced overall premium costs.
These Canada travel insurance family plans offer wide-ranging benefits, including emergency medical treatment, hospitalization coverage, missed flight protection, loss of baggage, and passport loss coverage. With a single family policy, every traveller stays protected throughout the entire trip—at a cost significantly lower than buying separate individual travel insurance plans.
location_on Indian Embassy & Consulate Details in Canada
In case of emergencies such as loss of passport or legal assistance, you can reach out to the nearest Indian Embassy or Consulate in Canada.
- High Commission of India – Ottawa
10 Springfield Road, Ottawa, Ontario, K1M 1C9
- Consulate General of India – Toronto
365 Bloor Street East, Suite 700, Toronto, Ontario, M4W 3L4
- Consulate General of India – Vancouver
201-325 Howe Street, 2nd Floor, Vancouver, British Columbia, V6C 1Z7
💡 Keep a copy of the emergency contact numbers and your travel insurance helpline handy during your trip.
flight_takeoff Travel Tips for Indians Visiting Canada
- 💳 Carry an international debit/credit card and keep some USD cash for small expenses.
- 📞 Save the TATA AIG 24x7 Assistance Number for emergencies.
- 🏥 Know the nearest network hospitals covered under TATA AIG for cashless treatment.
- 🛂 Keep a digital and printed copy of your passport, visa, and insurance policy (in case of loss).
- 🚘 If you have rented a vehicle, make sure you understand local traffic laws, as some plans will include rental vehicle coverage.
- 🌦️ Lookup the local weather forecast before leaving and pack for your travel destination.
✈️ With TATA AIG's worldwide support, you can travel across Canada with absolute peace of mind and smart coverage.
Benefits of Buying TATA AIG Travel Insurance for Indians Traveling to Canada
- Comprehensive Medical Coverage
Healthcare expenses in Canada can be extremely expensive. TATA AIG’s travel insurance provides complete medical coverage for hospital admissions, surgeries, outpatient treatment, and emergency medical evacuations - protecting your financial stability with unplanned health issues abroad. - COVID-19 Medical Coverage
Get the peace of mind you need while traveling in Canada with COVID-19 coverage for treatment, cancellation, or curtailment if you have to alter your travel arrangements because of COVID-19 infection or lockdown protocols. - Accidental Death & Repatriation of Remains
TATA AIG travel insurance will pay you compensation in the event of an unexpected death by accident; and will reimburse the cost of repatriation of remains back to India - relieving a burden for your family both financially and emotionally. - Trip Cancellations & Interruptions
Your trip can be disrupted unexpectedly. TATA AIG allows for a claim if costs are non-refundable for your cancelled, interrupted, or delayed trip due to an emergency situation - so you won’t lose the money for unused portions of travel. - Loss of Baggage or Passport
When checked luggage is lost, delayed, or stolen, or a passport is lost, TATA AIG will reimburse for expenses incurred to replace the luggage or travel arrangements and restore your journey. - Global Cashless Hospital Network
With TATA AIG, you get access to a vast international network of hospitals — including leading facilities in Canada — for cashless medical treatment whenever needed. - 24x7 Worldwide Assistance
Travel worry-free with round-the-clock emergency and claim support. Whether you need medical help or travel assistance, TATA AIG’s helpline is available anytime, anywhere. - Affordable Premiums
Comprehensive coverage doesn’t have to be expensive. TATA AIG offers affordable protection for every Indian traveler heading to Canada.
Why Choose Tata AIG Travel Insurance Canada for Your Canada Trip?
- Visa-compliant coverage for Indian travelers
- No medical tests required for most applicants
- Quick online policy issuance & instant documentation
- Reliable claim support and strong global network
TATA AIG Canada travel insurance, TATA AIG Health Insurance Canada - FAQ's
Buying TATA travel insurance for Canada visitors from India is fairly quick and easy. You have to complete an online application providing all the relevant details regarding your travel. After completing the application form, you can pay for the policy using a credit or debit card.
After completing the online payment the policy document will be emailed to the email ID provided in the application form. Compare and buy best travel insurance Canada.
Yes, Tata AIG offers cashless travel insurance for Canada from India
TATA AIG travel insurance cost for Canada starts at just ₹67 per day*. The cost for Canada travel insurance form India varies depending on the age of the traveler and the duration of coverage required. The older the traveler the higher is the cost. The longer the duration of Canada travel insurance required, the greater will be the cost.
You can get buy TATA travel insurance for Canada by getting free quotes on our website and then completing the TATA AIG travel insurance proposal form and buying the Indian overseas mediclaim policy online.
If you are applying for Canada visa, the consular authorities can ask you to have adequate travel insurance for Canada.
However given the fact that your domestic Indian health insurance provides little coverage in Canada, it is important for Indian travelers to buy best travel insurance for Canada.
The steps to claim TATA AIG travel insurance are
Cashless
- Depending on the emergency contact the assistance service provider either before admitting / after admitting the traveler to the hospital.
- Your claim is registered. The assistance service provider will talk to the hospital where the traveler is admitted.
- The assistance service provider will give guarantee of payment to the hospital. The traveler takes the treatment.
- The traveler has to pay the deductible and the rest is paid by the insurance company as per policy terms and conditions.
Reimbursement
- Traveler takes the treatment and collects all the reports, pharmacy bills and other documents.
- The travelers calls the assistance service provider to register a claim.
- Submits all the documents in original to the claims department back in India.
- The claims department verifies the submitted documents. Claim is approved or rejected.
- If approved the claims amount after deductible will be reimbursed to the traveler.
You can renew the TATA AIG policy online. Fill the relevant details of the current existing policy and claims information (if any)and submit the form online.
Our insurance advisors will then try to get approval based on the filled details. The policy holder will be updated on the approval or rejection of the renewal request as early as possible (maximum 1 working day).
if approved the policy holder will be sent a buy url where he / she can pay online and renew his policy.
Most Indian travel insurance for Canada mainly cover health and injury related medical emergencies. Along with this, they also provide coverage for passport loss, trip interruption, trip delays, medical evacuation and baggage delay or baggage loss. Please look at the travel insurance for Canada from India details for the detailed coverage benefits information.
Yes you can travel without having travel insurance unless it is mandated by the respective consulates while issuing the travel visa. Many countries like, Austria, Greece, Portugal, Spain, France, Germany, Belgium, Luxembourg and Netherlands insist of travel insurance while issuing the travel visa. However beyond mandated requirement for the visa, it is prudent to buy travel insurance for Canada from India since healthcare is very expensive outside India, and you do not want to be forced to go to a hospital overseas without any travel insurance.
Travel insurance for Parents & Senior Citizens visiting Canada
Tata AIG offers travel insurance plans specifically designed for parents and seniors. It's plans are designed to protect seniors from unexpected medical and travel emergencies. While you are selecting travel insurance plans for your parents or senior citizens, the key features you have to look for are
- Should cover for emergency medical expenses for sickness and accident.
- Should cover emergency medical evacuation and repatriation.
- Should offer cashless claims settlement.
- Should cover pre-existing medical conditions under life threatening.
- Comprehensive coverage for parents and senior citizens.
- 24/7 emergency assistance.
- No paper work and reports submission.
- Cover for baggage loss, delays, loss of passport.
- Should cover for flight delay, flight cancellation, missed connection and more.
Tata AIG travel insurance for Senior Citizens satisfies all the benefits which parents and seniors are looking for. The policy can be purchased online.
Some of the best plans for parents and senior citizens are
| Age Band | Cheaper | Popular |
|---|---|---|
| 56 to 60 years | Silver plan with sub limits with $50,000 sum insured Reason: Limited coverage, Capping on medical expenses |
Titanium Plus plan without sub limits with $10,00,000 sum insured Reason : No capping on medical expenses. Covered up to sum insured |
| 61 to 70 years | Silver plan with sub limits with $50,000 sum insured Reason: Limited coverage, Capping on medical expenses |
Platinum plan without sub limits with $500,000 sum insured Reason: No capping on medical expenses. Covered up to sum insured |
| 71 to 80 years | Senior plan with sub limits with $50,000 sum insured Reason: Limited coverage, Capping on medical expenses |
Senior Plus plan without sub limits with $100,000 sum insured Reason: No capping on medical expenses. Covered up to sum insured |
| 81+ years | Super Senior plan with sub limits with $50,000 sum insured Reason: Limited coverage, Capping on medical expenses |
Super Senior plan without sub limits with $100,000 sum insured Reason: No capping on medical expenses. Covered up to sum insured |
Get full details and buy TATA AIG Parents Travel Insurance online.
Best Travel Insurance for Canada Visa Applicants - Minimum Required Coverage Explained
If you are applying for a Canadian visitor visa (Temporary Resident Visa) or an Electronic Travel Authorization (eTA), the immigration authorities do not always mandate travel insurance as a hard requirement — but they do expect visitors to demonstrate financial sufficiency, which includes the ability to pay for unexpected medical expenses.
The best travel insurance for Canada visa applicants with minimum required coverage should meet the following benchmarks:
- Medical cover of at least USD 100,000 - the Silver Plus Plan ($100,000) is the recommended minimum for visa purposes. The Silver Plan ($50,000) may be accepted but offers limited headroom for serious emergencies.
- Coverage for the full duration of your visa - the policy must be valid from the date of arrival to the date of departure (or your intended departure date).
- Emergency medical evacuation included - all TATA AIG plans include emergency medical evacuation and repatriation of mortal remains.
- Cashless hospitalization capability - TATA AIG's United Healthcare PPO network satisfies this requirement, as it demonstrates a direct-pay arrangement with hospitals.
For travellers with pre-existing conditions such as diabetes, hypertension, or cardiac history, consular officers may scrutinize your health status more carefully. In such cases, buying a plan with a higher medical limit — such as the Gold ($250,000) or Platinum plan – significantly strengthens your visa application and reduces your personal financial risk.
TATA AIG Travel Insurance Platinum Plan - Full Feature Breakdown
The TATA AIG Travel Insurance Platinum Plan is the most popular mid-to-senior tier plan for Indian travellers visiting Canada, particularly for those aged 40–70. Here is what the Platinum Plan covers that lower-tier plans do not:
| Feature | Platinum Plan Details |
|---|---|
| Medical Cover | USD 500,000 - sufficient for cardiac events, ICU stays, and complex surgeries |
| Pre-existing Condition Cover | Up to USD 10,000 (life-threatening emergencies only) |
| Emergency Policy Extension | Covered - policy can be extended if you are hospitalized near the end of your policy term |
| Hijack / Kidnap Daily Allowance | Included - daily compensation if your flight is hijacked |
| Compassionate Travel / Stay | Covered - travel costs for a family member to join you if you are hospitalized abroad |
| Flight Delay & Bounced Booking | Included (same as Gold Plan) |
| Loss of Passport | Included |
| Trip Cancellation | Included |
| Cashless Hospitalization | Yes - via United Healthcare PPO network across Canada |
| 30-Day Approximate Cost (Age 25) | ₹3,550 (~₹118/day) |
The Platinum Plan strikes the ideal balance between comprehensive coverage and cost for mid-age travellers and parents visiting children in Canada. For seniors above 70, consider the dedicated Senior Plus or Super Senior plans which are specifically underwritten for older travellers.
New Health Insurance Requirements for Indians Applying for Canadian Visas
The Canada government now places greater attention on an Indian visitor overall health status and ability to pay for any future health expenses while in the United States. Consular officers may consider pre-existing health conditions such as diabetes, asthma, hypertension, heart disease, mental health issues or obesity to decide whether a visitor will be a “public charge,” or financially dependent on Canada resources.
To strengthen your visa application and to demonstrate your financial preparedness to pay for unplanned medical expenses while in Canada, it is strongly recommended to buy TATA AIG travel insurance with pre-existing conditions coverage which will cover expenses from unexpected medical emergencies or complications ensuring that travelers are not a burden on Canada resources during their stay.
Canada - General Information
9.985 million km²
Ottawa
Canadian Dollar
Sep to Nov
38.6 million
English and French
Niagara Falls, Banff National Park and the Rocky Mountains, Toronto's CN Tower, Old Quebec, Whistler, Ottawa's Parliament Hill.
Which Are the Popular Tourist Destinations in Canada?
Niagara Falls is Canada's most famous natural attraction, bringing in millions of visitors each year. Located just over an hour's drive from Toronto, along the American border.
Moraine Lake is one of the most photographed places in western Canada. This glacier-fed lake is a gorgeous blue-green surrounded by mountains in Alberta.
On the shores of Lake Ontario in Canada's biggest city is the iconic CN Tower. The tower is one of the tallest structures in the world standing 553 meters high.
It may only be a small town of 1,000 residents in the Manitoba province on the Hudson Bay shore, but Churchill draws huge crowds every year to see its most famous inhabitants, the polar bears.
TATA AIG Travel Insurance Claims in the United States, TATA AIG Insurance Canada
TATA AIG Travel insurance is ideal for Indian travelers in the United States since the international partner in TATA AIG is an US company. AIG is a known brand in the United States and US customer calls are handled locally within the United States.
US medical claims Mail medical claims to: Europ Assistance IndiaStar Hub Building number 2,floor 7, Near ITC Maratha,Andheri E Mumbai – 400059
