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TATA AIG parent travel insurance TATA AIG travel insurance for parents

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Why choose TATA AIG travel insurance for parents?
  • monetization_on
    Comprehensive coverage starting at just ₹48 per day*
  • health_and_safety
    Flexible plans to choose from
  • local_hospital
    Cashless hospitalization globally
  • healing
    Covers Pre-existing conditions under life-threatening situations*
  • work
    Outpatient, doctor visits, pharmacy bills covered
  • bolt
    Easy & Instant policy online with no paperwork

International travel insurance for Indian parents

Indian citizens and expatriates living overseas often have parents visiting them. While parents international travel consists of threats to health and life, to be on the safer side it is a good idea to have health insurance for overseas parents to receive quality medical treatment. Overseas health care is excellent but very expensive. The Indian domestic health insurance will not cover your parents outside India and parents are responsible for their expenses in case of medical emergency.

Also while applying for visa in countries like USA, UK, Australia, Europe (Schengen countries), Singapore… parents will have to show documents to prove that they can take care of all expenses while living in the visa applying country. Some parents may also have pre-existing illness which can distress them while abroad. Buying a good international travel insurance that covers pre-existing conditions can be liable for all medical expenses arising from receiving treatment in a healthcare center.

TATA AIG offers pre-existing conditions insurance for parents who are travelling from India to overseas / foreign countries under life threatening conditions only. The insured can reimburse from $1,500 upto to $20,000 based on the policy maximum chosen for which they have spent while receiving treatment of pre-existing illness under life threatening when they were in a foreign country.

How can I extend or renew my TATA AIG travel policy insurance 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:

  1. Filled & signed Good health declaration
  2. Passport (first and last page & stamp page of the departure)
  3. Air ticket copy of onward journey (traveled from India to overseas)

What are the coverage benefits of visitor insurance for Indian parents?

  • Silver, Silver Plus, Gold, Platinum, Titanium, and Titanium Plus travel insurance plans are available with or without sublimit options, offering coverage for all countries except politically disturbed regions. The premium displayed for travelers traveling outside the USA

    Silver

    ₹1,466 for 30 days

    Age: 55 years | Plan: $50,000

    Buy Online »
    • Eligible age: 3 months to 70 years
    • Accident & Sickness coverage up to $50,000
    • Pre-existing disease coverage up to $2,500 under life-threatening situations
    • Emergency medical evacuation up to $50,000
    • Repatriation of mortal remains up to 25% of accident & sickness sum insured
    • Accidental Death & Disablement: Up to $10,000
    • Delay of checked-in baggage: $40
    • Loss of checked-in baggage: $200
    • Loss of passport: $250
    • Trip curtailment: $500
    • Trip cancellation: $500

    Sliver Plus

    ₹1,811 for 30 days

    Age: 55 years | Plan: $100,000

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    • Eligible age: 3 months to 70 years
    • Accident & Sickness coverage up to $100,000
    • Pre-existing disease coverage up to $5,000 under life-threatening situations
    • Emergency medical evacuation up to $100,000
    • Repatriation of mortal remains up to 25% of accident & sickness sum insured
    • Accidental Death & Disablement: Up to $10,000
    • Delay of checked-in baggage: $40
    • Loss of checked-in baggage: $200
    • Loss of passport: $250
    • Trip curtailment: $500
    • Trip cancellation: $500

    Gold

    ₹2,142 for 30 days

    Age: 55 years | Plan: $250,000

    Buy Online »
    • Eligible age: 3 months to 70 years
    • Accident & Sickness coverage up to $250,000
    • Pre-existing disease coverage up to $10,000 under life-threatening situations
    • Emergency medical evacuation up to $250,000
    • Repatriation of mortal remains up to 25% of accident & sickness sum insured
    • Accidental Death & Disablement: Up to $15,000
    • Delay of checked-in baggage: $45
    • Loss of checked-in baggage: $300
    • Loss of passport: $250
    • Trip curtailment: $750
    • Trip cancellation: $750

    Platinum

    ₹2,515 for 30 days

    Age: 55 years | Plan: $500,000

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    • Eligible age: 3 months to 70 years
    • Accident & Sickness coverage up to $500,000
    • Pre-existing disease coverage up to $12,500 under life-threatening situations
    • Emergency medical evacuation up to $500,000
    • Repatriation of mortal remains up to 25% of accident & sickness sum insured
    • Accidental Death & Disablement: Up to $25,000
    • Delay of checked-in baggage: $50
    • Loss of checked-in baggage: $300
    • Loss of passport: $250
    • Trip curtailment: $1,000
    • Trip cancellation: $1,000

    Titanium

    ₹2,991 for 30 days

    Age: 55 years | Plan: $750,000

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    • Eligible age: 3 months to 60 years
    • Accident & Sickness coverage up to $750,000
    • Pre-existing disease coverage up to $15,000 under life-threatening situations
    • Emergency medical evacuation up to $750,000
    • Repatriation of mortal remains up to 25% of accident & sickness sum insured
    • Accidental Death & Disablement: Up to $50,000
    • Delay of checked-in baggage: $50
    • Loss of checked-in baggage: $400
    • Loss of passport: $500
    • Trip curtailment: $1,000
    • Trip cancellation: $1,000

    Titanium Plus

    ₹3,625 for 30 days

    Age: 55 years | Plan: $1,000,000

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    • Eligible age: 3 months to 60 years
    • Accident & Sickness coverage up to $1,000,000
    • Pre-existing disease coverage up to $20,000 under life-threatening situations
    • Emergency medical evacuation up to $1,000,000
    • Repatriation of mortal remains up to 25% of accident & sickness sum insured
    • Accidental Death & Disablement: Up to $75,000
    • Delay of checked-in baggage: $50
    • Loss of checked-in baggage: $500
    • Loss of passport: $500
    • Trip curtailment: $1,500
    • Trip cancellation: $1,500
  • Senior, Senior Plus and Super Senior Plus travel insurance plans are available with or without sublimit options, offering coverage for all countries except politically disturbed regions.

    Senior

    ₹5,845 for 30 days

    Age: 75 years | Plan: $50,000

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    • Eligible age: 71 to 80 years
    • Accident & Sickness coverage up to $50,000
    • Pre-existing disease coverage up to $2,500 under life-threatening situations
    • Emergency medical evacuation up to $50,000
    • Repatriation of mortal remains up to 25% of accident & sickness sum insured
    • Accidental Death & Disablement: Up to $10,000
    • Delay of checked-in baggage: $40
    • Loss of checked-in baggage: $200
    • Loss of passport: $250
    • Trip curtailment: $500
    • Trip cancellation: $250

    Senior Plus

    ₹6,604 for 30 days

    Age: 75 years | Plan: $100,000

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    • Eligible age: 71 to 80 years
    • Accident & Sickness coverage up to $100,000
    • Pre-existing disease coverage up to $3,000 under life-threatening situations
    • Emergency medical evacuation up to $100,000
    • Repatriation of mortal remains up to 25% of accident & sickness sum insured
    • Accidental Death & Disablement: Up to $10,000
    • Delay of checked-in baggage: $40
    • Loss of checked-in baggage: $200
    • Loss of passport: $250
    • Trip curtailment: $500
    • Trip cancellation: $500

    Super Senior

    ₹13,936 for 30 days

    Age: 85 years | Plan: $50,000

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    • Eligible age: 81+ years
    • Accident & Sickness coverage up to $50,000
    • Pre-existing disease coverage up to $1,500 under life-threatening situations
    • Emergency medical evacuation up to $50,000
    • Repatriation of mortal remains up to 25% of accident & sickness sum insured
    • Accidental Death & Disablement: Up to $10,000
    • Delay of checked-in baggage: $40
    • Loss of checked-in baggage: $200
    • Loss of passport: $250
    • Trip curtailment: $500
    • Trip cancellation: $250

How much does a Tata AIG parents travel insurance cost per month?

The Tata AIG parents travel insurance cost per month starts at just ₹3,216 for coverage Worldwide Including USA & Canada. Tata AIG parents travel insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of Tata AIG parents travel insurance plan variants.

Tata AIG travel insurance for parents in USA & Canada
Plan Name 50-60 years 61-70 years 71-75 years 76-80 years 81-85 years 86-90 years 91-98 years 99 years
Silver $50,000 ₹3,216 ₹6,175 - - - - - -
Silver Plus $100,000 ₹3,553 ₹7,156 - - - - - -
Gold $250,000 ₹4,593 ₹8,768 - - - - - -
Platinum $500,000 ₹5,102 ₹9,403 - - - - - -
Titanium $750,000 ₹6,406 - - - - - - -
Titanium Plus $1,000,000 ₹7,543 - - - - - - -
Senior $50,000 - - ₹9,097 ₹12,998 - - - -
Senior Plus $100,000 - - ₹12,571 ₹17,922 - - - -
Super Senior $50,000 - - - - ₹25,504 ₹40,975 ₹51,634 ₹103,396

The Tata AIG parents travel insurance cost per month starts at just ₹1,466 for coverage Worldwide Excluding USA & Canada. Tata AIG parents travel insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of Tata AIG parents travel insurance plan variants.

Tata AIG travel insurance for parents outside USA & Canada
Plan Name 50-60 years 61-70 years 71-75 years 76-80 years 81-85 years 86-90 years 91-98 years 99 years
Silver $50,000 ₹1,466 ₹2,874 - - - - - -
Silver Plus $100,000 ₹1,811 ₹3,674 - - - - - -
Gold $250,000 ₹2,142 ₹4,174 - - - - - -
Platinum $500,000 ₹2,515 ₹4,699 - - - - - -
Titanium $750,000 ₹2,991 - - - - - - -
Titanium Plus $1,000,000 ₹3,625 - - - - - - -
Senior $50,000 - - ₹5,845 ₹7,202 - - - -
Senior Plus $100,000 - - ₹6,604 ₹9,352 - - - -
Super Senior $50,000 - - - - ₹13,936 ₹23,842 ₹32,511 ₹55,490

TATA AIG travel insurance for parents - frequently asked questions

Common Queries on parents insurance

What is parents travel insurance and why do I need it?

Tata AIG travel insurance international plus covers elderly parents traveling overseas for their unforeseen emergency medical and non-medical expenses. The medical emergencies might be due to any sickness or an accident. Non-medical expenses might be for example like trip cancellation, baggage loss, delay and more.


Why is travel insurance necessary for parents visiting abroad?

Keeping in mind the age of your parents and health issues during the old age, getting a comprehensive health insurance cover for your parents is necessary while visiting abroad.


Which insurance is best for Indian parents traveling abroad?

Comprehensive travel insurance, such as Tata AIG international travel plus for seniors are preferred for parents traveling abroad as they offer adequate coverage and benefits ideal for older travelers.


Is Tata AIG travel insurance accepted by hospitals in the USA, UK, Canada or any other country?

Yes, Tata AIG travel insurance is a well-known insurance company worldwide. It has well connected networks in overseas. The relevant numbers are printed in the policy document which you can use while using the policy.


Can I buy Tata AIG travel insurance for parents already outside India?

Tata AIG travel insurance has to be purchased before your parents travel from India to overseas. If it just couple of days, then you can try by filling the traveler outside form. Once you fill the form, our insurance advisors will get in touch you to try and help you to get insurance.


Coverage & Benefits

What are the key benefits of Tata AIG travel insurance for parents?

The key benefits covered under this plan can be put forward as below:

  1. Cashless hospitalization for accident and sickness medical emergencies.
  2. Out patient medical expenses, doctor visits, pharmacy bills.
  3. Coverage for pre-existing diseases in life-threatening situations.
  4. Emergency medical evacuation and repatriation
  5. Flight delay, flight cancellation, missed connection.
  6. Baggage loss, passport loss and delay.
  7. Trip cancellation and more.
Does the plan cover COVID-19 or other infectious diseases?

Yes, COVID-19 or other infectious diseases are covered as any other illness as per the policy terms and conditions.


Which Tata AIG plan is best for parents visiting USA, UK, Canada or any other country with pre-existing conditions?

The coverage for pre-existing varies with age group of your parents and sum insured opted for.

For example
  • If your parents are in age bracket of 55 to 60 years, then you can get coverage for pre-existing under life threatening situation up to $20,000.
  • If your parents are in age bracket of 61 to 70 years, then you can get coverage for pre-existing under life threatening situation up to $15,000.
  • If your parents are in age bracket of 71 + years, then you can get coverage for pre-existing under life threatening situation ranging from $1,500 to $3,000 depending on their age and sum insured chosen.
  • Please get the latest information before you purchase the policy.

What's the difference between Tata AIG plans with and without medical sublimits? Do medical sublimits apply differently for older parents (above 70)?

Tata AIG travel insurance for elderly parents come with the option of with and without medical sublimits. The plan with sublimits are cheaper as they have capping on certain benefits like room rent, ICU charges, surgery costs and more. While without sublimits provide more flexibility in expense allocation within the overall sum insured. It is better to choose without sublimit plan as it gives comprehensive cover for your parents.


Does Tata AIG cover pre-existing conditions for parents?

Yes, Tata AIG travel insurance cover pre-existing conditions for parents under life threatening situations only. The amount of coverage depends on the age of the parents and coverage chosen. The medical conditions will be covered as per policy terms and conditions. To buy this plan please click here.


What pre-existing medical conditions are covered for Indian parents traveling abroad?

Tata AIG travel insurance international plus covers pre-existing medical conditions under life-threatening situations only. There is no list of diseases saying these are excluded. These plans includes acute pain relief for diseases or accidents arising from pre-existing conditions. Any treatment taken to maintain stable conditions or prevent onset of acute pain is excluded. Please go through the terms and conditions before you purchase the policy.


Policy Purchase and Renewal

What documents are required to buy Tata AIG travel insurance for parents?

To buy travel insurance for your parent’s international trip, you need not submit any documents or reports. Keep the below information in front of you while buying policy.

  1. Passport details
  2. Travel dates
  3. Destination
  4. Medical history (if any, to be filled in the online application)

How much does TATA AIG travel insurance for parents cost? What is the cost of Tata AIG travel insurance for parents visiting USA, UK, Europe or any other country?

The cost of Tata AIG travel insurance for parents depends on their age, destination of travel and duration of travel.

For example
  1. Parents aged 67 and 62 traveling to USA for 30 days and opting for $50,000 sum insured. The premium will be Rs.12,043 /- the cheapest plan with 2.5% discount applied for couple.
  2. Parents aged 67 and 62 traveling to UK for 30 days and opting for $50,000 sum insured. The premium will be Rs.5,604 /- the cheapest plan with 2.5% discount applied for couple.
  3. Parents aged 67 and 62 traveling to Europe for 15 days and opting for $50,000 sum insured. The premium will be Rs.4,637 /- the cheapest plan with 2.5% discount applied for couple.
  4. Premiums are not static, they keep changing. Please get quote (URL) to know the latest premiums.

Can I purchase Tata AIG travel insurance online for my parents?

Follow the step by step process to buy the policy for parents online.

  1. Visit the Parents travel insurance
  2. Put the necessary parameters and click on view plans.
  3. Then you will see the available plans for the given parameters.
  4. Go through the benefits and premiums and continue.
  5. Fill the proposal form and review the details.
  6. Make payment online using credit/debit cards, direct fund transfer, NEFT, UPI, or cheque.
  7. Receive policy

How can I renew Tata AIG travel insurance for parents already abroad?

Yes, you can renew your parents policy while they are abroad online by following simple steps.


Claims and Support

Can my parent get cashless treatment at any hospital in USA, UK, Europe or any country they are visiting?

Yes, Tata AIG is a well known insurance company worldwide. Depending on the emergency either before visiting the hospital or immediately after admitting your parent, get in touch with Tata AIG claims department and they will arrange for the cashless treatment. Your parent is covered as per the policy terms and conditions.


My diabetic parent had complications abroad - what's covered vs. what's not?

In this example, Tata AIG travel insurance for parents covers only life-threatening complications from diabetes up to the limit mentioned in the policy document. Regular check-ups and routine diabetes management are excluded.


Can my parent get treatment for high blood pressure medication?

Regular check-ups and routine medication related to high BP are not covered. Any medical condition related to high blood pressure is critical , then it will be covered. The company goes by the doctor's report to decide whether it was life threatening or not.


What happens if my parents flight is delayed or cancelled?

As per the terms and conditions of the policy you purchased for your parents, this benefit will be covered up to the limit mentioned in the policy document.

For example
  1. Flight delay is covered ranging from $40 to $50 after 4 hours of delay.
  2. Flight cancellation is covered ranging from $75 to $250
  3. Missed flight/connection is covered ranging from $250 to $750

Are baggage-related expenses covered for Indian parents traveling abroad?

As per the terms and conditions of the policy you purchased for your parents, this checked-in baggage benefit will be covered up to the limit mentioned in the policy document.

For example
  1. Loss of checked-in baggage is covered ranging from $200 to $500.
  2. Delay of Checked-in Baggage is covered ranging from $40 to $50 after 4 hours
  3. Loss of personal baggage is covered ranging from $200 to $500.

What are the travel tips to consider while buying visitors insurance for Parents from India?

flight_land

Being old, it is advisable for parents to do some planning before leaving India. This includes counseling about the health care treatment and prevention of health threats while overseas.

person

Visit the doctor to get opinion on the travel precautions and health care. If you have pre-existing conditions carry necessary medications.

water_drop

While travelling it is necessary to drink lots of water it will keep them hydrated. It is advisable to carry less baggage so it will be easy to move around. Carrying unwanted luggage can be burdensome.

volunteer_activism

Try to take care of your health overseas, stay warm, and avoid eating food that doesn’t suit you. Do not do anything that can result in sickness or accident.

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Take copies of travel documents, passports, tickets, extra pair of glasses, medical prescriptions and doctor’s advice.

TATA AIG travel insurance for Indian parents

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International travel insurance for Indian parents overseas.

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TATA AIG travel insurance for pre-existing conditions.

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Senior Citizen Insurance

TATA AIG overseas mediclaim insurance for older travelers above 80 years.

Customers Testimonials

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Mr. Jaideep Deorukhkar, Head Travel Services at Tata AIG says "NRIOL has been one of our key partners in India for the past 16 years and has been pivotal in providing Tata AIG customers an opportunity to purchase their TATA AIG travel insurance online".