TATA AIG Travel Insurance for Families Travelling Abroad
Planning an overseas trip with your family from India? Eligible family members can purchase TATA AIG travel insurance for family travel and receive a family premium discount when they choose the same plan and trip duration, subject to applicable terms and conditions. Each insured family member has individual travel insurance coverage and applicable benefits. Premiums start from ₹108/day*.
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What is Tata AIG Family Travel Insurance?
Tata AIG Family Travel Insurance is designed to provide financial protection to families travelling together, particularly on international trips. A family travel insurance policy can help cover unexpected expenses arising from medical emergencies, trip cancellations or interruptions, baggage loss or delays, and other travel-related situations, depending on the plan and policy terms.
By choosing family travel insurance, parents and children can be covered under a single policy, making it easier to manage travel protection for the entire family. Tata AIG offers different travel insurance options with coverage features and limits that may vary based on the destination, trip duration, age of travellers, and selected plan.
Before purchasing a policy, travellers should review the coverage, exclusions, claim requirements, and applicable terms and conditions to understand what is covered during their trip.
Why Is It Important to Buy Family Travel Insurance?
Family travel insurance plan can provide financial protection against unexpected medical and travel-related expenses during an overseas trip. Some of the important benefits include:
- Financial protection: Helps cover eligible unexpected expenses during your family trip.
- Medical emergencies: Can provide coverage for emergency medical treatment and hospitalization, subject to policy terms.
- Travel disruptions: May cover trip cancellation, interruption, flight delays or missed connections, depending on the plan.
- Baggage protection: Helps cover eligible loss, theft or delay of checked baggage.
- Passport assistance: May provide coverage for expenses related to a lost passport.
- Family-focused coverage: Allows eligible family members to be covered under a suitable travel insurance plan.
- Peace of mind: Provides financial support when unexpected situations occur during an overseas trip.
- Flexible options: Coverage limits and benefits can vary, allowing travellers to select a plan based on their requirements.
Always review the policy terms, coverage limits, exclusions and eligibility conditions before purchasing family travel insurance.
How Much Does TATA AIG Travel Insurance Cost for a Family? in 2026?
Compare the best family travel insurance plans from India. Choose the right policy based on your destination, medical coverage, trip duration and budget. Premiums start from just ₹108/day* for worldwide travel, excluding USA and Canada.
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| Plan | Medical Cover | Pre-existing Conditions | Trip Cancellation | Suitable Destinations (Excluding USA & Canada) |
Starting Premium |
|---|---|---|---|---|---|
| Silver Plan | $50,000 | Up to $2,500 | $500 | Thailand, Malaysia, Sri Lanka, Dubai and similar destinations |
₹108/day* |
| Silver Plus Plan | $100,000 | Up to $5,000 | $500 | Europe, Australia, UK, Singapore and similar destinations |
₹132/day* |
| Gold Plan | $250,000 | Up to $10,000 | $750 | Europe, Australia, New Zealand and higher-value trips |
₹143/day* |
| Platinum Plan | $500,000 | Up to $12,500 | $1,000 | Premium protection if travelling outside USA/Canada |
₹178/day* |
| Titanium Plan | $750,000 | Up to $15,000 | $1,000 | Worldwide (excluding USA & Canada) with maximum protection |
₹198/day* |
| Titanium Plus | $1,000,000 | Up to $20,000 | $1,500 | Worldwide (excluding USA & Canada) with highest medical coverage |
₹240/day* |
*Price shown is for a 60-day trip to Singapore for a family aged 38, 33, 10 and 6 years. Family discount on total premiums is applied as per T&C. Premiums vary by age, trip duration, destination, plan chosen and family discounts. Get Family travel insurance quote.
What Are the Coverage Options Under Tata AIG Family Travel Insurance?
Expand each plan below for the full benefit schedule, including sub-limits and variants.
| Benefits | Silver |
|---|---|
| Sublimits | With sublimit / Without Sublimit |
| Age | 3 months - 70 years |
| Destination | All countries covered, Excluding politically disturbed countries |
| Sum Insured for Accident & Sickness Medical Expenses | Up to $50,000 |
| Pre-Existing Disease Coverage (only in case of life-threatening conditions) | Up to $2,500 |
| Emergency Medical Evacuation | Up to $50,000 |
| Repatriation of Mortal Remains | Up to 25% of Accident & Sickness Sum Insured |
| Accidental Death & Disablement | Accidental Death: Maximum $10,000; Accidental Disablement: Maximum $10,000; Benefit Total - Maximum $10,000 |
| Emergency Medical Dental Expenses | $300 |
| Delay of Checked-in Baggage | $40 |
| Loss of Checked-in Baggage | $200 |
| Loss of Passport | $250 |
| Trip Curtailment | $500 |
| Trip Cancellation | $500 |
| Missed Flight/Connection | $250 |
| Benefits | Silver Plus | Silver Plus Plan A | Silver Plus Plan B |
|---|---|---|---|
| Sublimits | With sublimit / Without Sublimit | With sublimit / Without Sublimit | With sublimit / Without Sublimit |
| Age | 3 months - 70 years | 3 months - 70 years | 3 months - 70 years |
| Destination | All countries covered, Excluding politically disturbed countries | Worldwide | Worldwide |
| Sum Insured for Accident & Sickness Medical Expenses | Up to $100,000 | Up to $100,000 | Up to $100,000 |
| Pre-Existing Disease Coverage (life-threatening only) | Up to $5,000 | Up to $5,000 | Up to $5,000 |
| Emergency Medical Evacuation | Up to $100,000 | Up to $100,000 | Up to $100,000 |
| 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 |
| Accidental Death & Disablement | Maximum $10,000 each; Benefit Total - Maximum $10,000 | Maximum $10,000 each; Benefit Total - Maximum $10,000 | Maximum $10,000 each; Benefit Total - Maximum $10,000 |
| Emergency Medical Dental Expenses | $400 | $400 | $400 |
| Delay of Checked-in Baggage | $40 | - | $40 |
| Loss of Checked-in Baggage | $200 | - | $200 |
| Loss of Passport | $250 | - | $250 |
| Trip Curtailment | $500 | - | $500 |
| Trip Cancellation | $500 | - | $500 |
| Missed Flight/Connection | $250 | - | $250 |
| Benefits | Gold | Gold Plan A | Gold Plan B |
|---|---|---|---|
| Sublimits | With sublimit / Without Sublimit | With sublimit / Without Sublimit | With sublimit / Without Sublimit |
| Age | 3 months - 70 years | 3 months - 70 years | 3 months - 70 years |
| Destination | All countries covered, Excluding politically disturbed countries | Worldwide | Worldwide |
| Sum Insured for Accident & Sickness Medical Expenses | Up to $250,000 | Up to $250,000 | Up to $250,000 |
| Pre-Existing Disease Coverage (life-threatening only) | Up to $10,000 | Up to $10,000 | Up to $10,000 |
| Emergency Medical Evacuation | Up to $250,000 | Up to $250,000 | Up to $250,000 |
| 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 |
| Accidental Death & Disablement | Maximum $15,000 each; Benefit Total - Maximum $15,000 | Maximum $15,000 each; Benefit Total - Maximum $15,000 | Maximum $15,000 each; Benefit Total - Maximum $15,000 |
| Emergency Medical Dental Expenses | $500 | $500 | $500 |
| Delay of Checked-in Baggage | $45 | - | $45 |
| Loss of Checked-in Baggage | $300 | - | $300 |
| Loss of Passport | $250 | - | $250 |
| Trip Curtailment | $750 | - | $750 |
| Trip Cancellation | $750 | - | $750 |
| Flight Delay | $45 for all overseas flights taken during Insured Trip | - | $45 for all overseas flights taken during Insured Trip |
| Personal Liability | $200,000 | - | - |
| Missed Flight/Connection | $500 | - | $500 |
| Benefits | Platinum | Platinum Plan A | Platinum Plan B |
|---|---|---|---|
| Sublimits | With sublimit / Without Sublimit | With sublimit / Without Sublimit | With sublimit / Without Sublimit |
| Age | 3 months - 70 years | 3 months - 70 years | 3 months - 70 years |
| Destination | All countries covered, Excluding politically disturbed countries | Worldwide | Worldwide |
| Sum Insured for Accident & Sickness Medical Expenses | Up to $500,000 | Up to $500,000 | Up to $500,000 |
| Pre-Existing Disease Coverage (life-threatening only) | Up to $10,000 | Up to $12,500 | Up to $12,500 |
| Emergency Medical Evacuation | Up to $500,000 | Up to $500,000 | Up to $500,000 |
| 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 |
| Accidental Death & Disablement | Maximum $25,000 each; Benefit Total - Maximum $25,000 | Maximum $25,000 each; Benefit Total - Maximum $25,000 | Maximum $25,000 each; Benefit Total - Maximum $25,000 |
| Emergency Medical Dental Expenses | $1,000 | $1,000 | $1,000 |
| Delay of Checked-in Baggage | $50 | - | $50 |
| Loss of Checked-in Baggage | $300 | - | $300 |
| Loss of Passport | $250 | - | $250 |
| Trip Curtailment | $1,000 | - | $1,000 |
| Trip Cancellation | $1,000 | - | $1,000 |
| Flight Delay | $50 for all overseas flights taken during Insured Trip | - | $50 for all overseas flights taken during Insured Trip |
| Personal Liability | $500,000 | - | - |
| Missed Flight/Connection | $750 | - | $750 |
| Benefits | Titanium |
|---|---|
| Sublimits | With sublimit / Without Sublimit |
| Age | 3 months - 60 years |
| Destination | All countries covered, Excluding politically disturbed countries |
| Sum Insured for Accident & Sickness Medical Expenses | Up to $750,000 |
| Pre-Existing Disease Coverage (life-threatening only) | Up to $15,000 |
| Emergency Medical Evacuation | Up to $750,000 |
| Repatriation of Mortal Remains | Up to 25% of Accident & Sickness Sum Insured |
| Accidental Death & Disablement | Maximum $50,000 each; Benefit Total - Maximum $50,000 |
| Emergency Medical Dental Expenses | $1,000 |
| Delay of Checked-in Baggage | $50 |
| Loss of Checked-in Baggage | $400 |
| Loss of Passport | $500 |
| Trip Curtailment | $1,000 |
| Trip Cancellation | $1,000 |
| Flight Delay | $50 for all overseas flights taken during Insured Trip |
| Personal Liability | $500,000 |
| Missed Flight/Connection | $750 |
| Benefits | Titanium Plus |
|---|---|
| Sublimits | With sublimit / Without Sublimit |
| Age | 3 months - 60 years |
| Destination | All countries covered, Excluding politically disturbed countries |
| Sum Insured for Accident & Sickness Medical Expenses | Up to $1,000,000 |
| Pre-Existing Disease Coverage (life-threatening only) | Up to $20,000 |
| Emergency Medical Evacuation | Up to $1,000,000 |
| Repatriation of Mortal Remains | Up to 25% of Accident & Sickness Sum Insured |
| Accidental Death & Disablement | Maximum $75,000 each; Benefit Total - Maximum $75,000 |
| Emergency Medical Dental Expenses | $1,200 |
| Delay of Checked-in Baggage | $50 |
| Loss of Checked-in Baggage | $500 |
| Loss of Passport | $500 |
| Trip Curtailment | $1,500 |
| Trip Cancellation | $1,500 |
| Flight Delay | $50 for all overseas flights taken during Insured Trip |
| Personal Liability | $500,000 |
| Missed Flight/Connection | $750 |
Overseas Travel Insurance for Senior Citizens from India
TATA AIG offers dedicated senior citizen overseas travel insurance plans for Indian travellers aged 71 to 99 years. These are the most comprehensive overseas travel insurance for senior citizens from India, with medical coverage up to $100,000 and pre-existing condition protection for life-threatening situations - no medical tests required, instant policy issuance.
| Benefits | Senior | Senior Plus | Super Senior |
|---|---|---|---|
| Sublimits | With sublimit / Without Sublimit | With sublimit / Without Sublimit | With sublimit / Without Sublimit |
| Age | 71-80 years | 71-80 years | 81+ years |
| Destination | 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 Medical Expenses | Up to $50,000 | Up to $100,000 | Up to $50,000 |
| Pre-Existing Disease Coverage (life-threatening only) | Up to $2,500 | Up to $3,000 | Up to $1,500 |
| Emergency Medical Evacuation | Up to $50,000 | Up to $100,000 | Up to $50,000 |
| 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 |
| Accidental Death & Disablement | Maximum $10,000 each; Benefit Total - Maximum $10,000 | Maximum $10,000 each; Benefit Total - Maximum $10,000 | Maximum $10,000 each; Benefit Total - Maximum $10,000 |
| Emergency Medical Dental Expenses | $300 | $500 | - |
| Delay of Checked-in Baggage | $40 | $40 | $40 |
| Loss of Checked-in Baggage | $200 | $200 | $200 |
| Loss of Passport | $250 | $250 | $250 |
| Trip Curtailment | $500 | $500 | $500 |
| Trip Cancellation | $250 | $500 | $250 |
| Flight Delay | $40 for all overseas flights taken during Insured Trip | $40 for all overseas flights taken during Insured Trip | $40 for all overseas flights taken during Insured Trip |
| Personal Liability | $1,00,000 (Deductible: $200) | $1,00,000 (Deductible: $200) | $1,00,000 (Deductible: $200) |
| Missed Flight/Connection | $250 | $250 | $250 |
What Does International Family Travel Insurance Cover?
Your travel insurance Family from India premium depends on: International family travel insurance is designed to protect parents, children, and other eligible family members against unexpected costs and disruptions during an overseas trip. Coverage varies by insurer and policy, but commonly includes:- Medical Emergencies Abroad - Eligible treatment for illness or injury abroad
- Trip Cancellation or Interruption - Certain covered reasons for cancelling a trip
- Baggage Loss, Theft, or Delay - Eligible loss or delay of checked baggage
- Passport and Travel Document Loss - Eligible expenses related to a lost passport
- Flight Delays and Missed Connections - Certain expenses following an eligible missed connection
- Emergency evacuation - Transportation to an appropriate medical facility
- Personal Liability - Eligible third-party liability expenses under the policy
What Should You Check Before Buying Family Travel Insurance?
- Destination and countries covered
- Number and age of travellers
- Medical coverage limit
- Emergency evacuation limit
- Pre-existing condition provisions
- Baggage coverage
- Trip cancellation and curtailment benefits
- Deductibles and sublimits
- Policy exclusions
- Maximum age eligibility
- Claim procedure
Can I buy family travel insurance for parents and children?
Yes, families travelling together can purchase travel insurance that covers eligible parents, children and other family members under the selected policy. Coverage and eligibility may vary based on each traveller’s age, destination, trip duration and plan.
When choosing a family travel insurance plan, consider:- Children's coverage: Check age eligibility and available medical benefits for children.
- Parents' coverage: Review age limits, medical coverage and applicable conditions for parents.
- Pre-existing conditions: Check whether any limited coverage is available for eligible pre-existing conditions.
- Emergency medical care: Review the medical expense and emergency evacuation limits.
- Travel benefits: Consider coverage for eligible baggage loss, trip cancellation, delays and other travel disruptions.
TATA AIG Family Travel Insurance: Who Is Eligible?
When family members travel abroad together, they can purchase eligible TATA AIG travel insurance plans together and may qualify for a family premium discount. For this purpose, family generally includes self, spouse, eligible children and parents, subject to the applicable policy terms and conditions.
The family discount is intended for eligible family members travelling under the required conditions. Simply travelling together does not make two people a family for the purpose of the discount.
For example, a husband and wife travelling abroad together can purchase the same eligible plan for their entire trip duration and qualify for the applicable family discount. Similarly, parents travelling with their children can be covered under the eligible family arrangement.
The final eligibility and discount applicable to your family will depend on the selected plan and the current TATA AIG terms and conditions.
How Does the TATA AIG Family Discount Work?
The family discount can help reduce the combined premium when eligible family members purchase the same TATA AIG travel insurance plan for the same trip duration, subject to the applicable terms and conditions.
The discount is based on the number of eligible family members included in the purchase. It does not mean that the family receives one shared medical coverage limit. Each insured family member continues to have individual coverage based on the plan selected for that traveller.
| Number of family members | family discount# (in percentage) |
|---|---|
| 1 | No family discount |
| 2 | 2.5% |
| 3 | 5% |
| 4 | 7.5% |
| 5 or more | 10% |
#Discount percentages are subject to the applicable TATA AIG policy terms and conditions. The discount available for your purchase will be visible once you get a quote.
Does Each Family Member Get Individual Coverage?
Yes. Each insured family member has individual travel insurance coverage. Buying travel insurance together as a family does not mean that all members share one common sum insured.
For example, if four eligible family members purchase the same travel insurance plan, the applicable medical coverage and other benefits are considered for each insured traveller according to the selected plan, age, policy terms and applicable limits.
The advantage of purchasing together is that eligible family members may receive a family travel insurance discount, while each traveller continues to have their own applicable coverage.
example :If a family of four travels overseas, the parents and children do not use one common family medical limit simply because they purchased the insurance together. Each insured member has their applicable individual coverage under the selected plan.
Travel Safe to Family - with TATA AIG Family Travel Insurance
Ensure a safe trip to Family with TATA AIG Travel Insurance - offering cashless medical cover, baggage protection, and Schengen visa–compliant benefits.
Tata AIG International Travel Insurance Review
Discover the best Tata AIG International Travel Insurance plans and benefits for travelers.
Know more »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".
Family International Travel Insurance - FAQ's
Eligible family members such as self, spouse, children and parents can purchase TATA AIG travel insurance together, subject to the eligibility requirements and applicable policy terms. The family discount may apply when eligible members meet the required conditions.
Families travelling with elderly parents should check the age eligibility and benefits available for senior travellers. TATA AIG provides separate senior and super-senior plan options, subject to applicable terms and conditions. Compare the medical limits, pre-existing condition coverage and exclusions before selecting a plan.
Yes, family travel insurance can cover trips to multiple countries, provided all destinations are included within the policy’s geographical coverage. Check the selected plan’s destination restrictions, coverage area and policy terms before travelling.
Coverage for pre-existing diseases depends on the specific family travel insurance plan and its policy terms. Some plans may provide limited coverage for eligible conditions, while others may exclude them. Check the policy wording, exclusions, waiting periods and applicable conditions before purchasing.
Yes, family travel insurance may be extendable while you are abroad, subject to the insurer’s eligibility criteria, policy terms and extension conditions. It is advisable to request an extension before the existing policy expires to avoid a gap in coverage.
Yes, where required for the family discount. Eligible family members should have the same trip duration when purchasing the plan together for the applicable family discount, subject to the policy terms.
The cost of family travel insurance depends on factors such as the number of travellers, their ages, destination, trip duration, coverage limits and selected plan. You can get a family travel insurance quote online by providing the required trip and traveller details.
Yes. Each insured family member has individual travel insurance coverage and applicable benefits under the selected plan. The family purchase does not mean that everyone shares one common sum insured.
The applicable family discount depends on the number of eligible family members and the selected plan. The discount can increase as the number of eligible family members increases, subject to the applicable TATA AIG terms and conditions.
No. Friends travelling together are not treated as family simply because they have the same destination, travel dates or insurance plan. Each traveller should purchase an eligible individual travel insurance policy unless another applicable arrangement is available.
No. Colleagues travelling together are not considered family for the family discount merely because they are travelling on the same trip. Each traveller can explore the applicable individual travel insurance option.
Who Does Not Qualify as Family?
Family travel insurance is intended for eligible family relationships and not simply for people travelling together. Two people having the same destination, travel dates and insurance plan do not automatically qualify for the family discount.
For example if you and your colleague are travelling abroad to the USA for 30 days and both choose the TATA AIG travel insurance plan you cannot claim the family discount just because you are travelling together.
Likewise friends or any other unrelated travellers who are travelling together should not think they can be included under the family discount.
| Travellers | Family discount |
|---|---|
| Self + spouse | Subject to eligibility and T&C |
| Self + children | Subject to eligibility and T&C |
| Self + parents | Subject to eligibility and T&C |
| Self + spouse + children | Subject to eligibility and T&C |
| Self + spouse + parents | Subject to eligibility and T&C |
| Friends travelling together | No, Not treated as family, can purchase individually |
| Colleagues travelling together | No, Not treated as family, can purchase individually |
| Unrelated travellers | No, Not treated as family, can purchase individually |
If travellers are not eligible family members, they can buy individually on our website.
What Affects the Family Travel Insurance Premium?
The premium for travel insurance for families can vary considerably because every family has different traveller ages, destinations and travel plans. The main factors that affect the premium include:
- Age of each family member: The age of each insured traveller can affect the premium and plan eligibility. A family travelling with senior parents may therefore pay a different premium from a family travelling only with younger adults and children.
- Destination: Where you are travelling can affect the premium. Coverage for destinations including the USA and Canada can cost more than worldwide coverage excluding these countries.
- Trip duration: The longer the trip length the higher the cost.
- Plan selected: Choosing higher cover will cost you more premium.
- Number of family members: Adding eligible family members increases the total premium, but an applicable family discount may reduce the combined cost when the required conditions are met.
- Family discount eligibility: The applicable discount depends on the number of eligible family members and the terms of the selected plan. Family members may need to choose the same plan and trip duration to qualify.
Can Parents and Senior Citizens Be Included?
Yes. Parents and senior citizens can be included in family travel insurance. Provided they have to buy the same plan to get discount benefit.
If parents are travelling with their children, they can be included in the family purchase where permitted. To receive the applicable family discount, eligible family members need to meet the requirements of the discount, including purchasing the same plan and same trip duration where applicable.
For example, if a couple travels overseas with their parents, the parents can be included as eligible family members if they meet the plan's age and other requirements. The applicable family discount will depend on the selected plan and current policy terms.
Family Travel Insurance for USA, Canada, Europe and Other Destinations
Families travelling abroad from India can choose travel insurance based on their destination and trip requirements. Whether you are travelling to the USA, Canada, Europe, the UK, Australia, Singapore, Dubai or another international destination, the plan should be selected based on the coverage required for the trip and the age of each family member.
USA and Canada: Medical expenses can be significantly higher in these destinations, so families should pay particular attention to the medical sum insured and applicable benefits when comparing plans.
Europe and Schengen countries: If your family is travelling to the Schengen area, make sure the selected plan meets the applicable visa insurance requirements for each traveller.
UK, Australia, Singapore and other destinations: Compare the medical coverage, trip benefits, exclusions and duration before selecting a plan for your family.
The destination selected during quotation will determine the applicable coverage and premium. Worldwide coverage including USA and Canada is generally priced higher than worldwide coverage excluding USA and Canada.
How to Buy Tata AIG International Travel Insurance Online
language Step 1: Select Destination
Select your destination country from Get Quote »
edit_note Step 2: Enter Traveller Details
Enter the age of all travellers and your travel dates.
tune Step 3: Choose a Plan
Choose a plan - Silver, Gold, Platinum, Titanium, Titanium Plus, Senior Plan, Senior Plus or Super Senior Plan.
payment Step 4: Pay Online
Complete the proposal form and pay via UPI, card, NEFT, or cheque.
verified_user Step 5: Get Instant Policy
Receive your policy document instantly via email. Download and travel.