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TATA AIG logo travel insurance TATA AIG student travel insurance for USA

Buy TATA AIG student travel insurance online

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Tata AIG Travel Insurance

Tata AIG Student Guard Plan - Key features

  • Tata AIG student guard plans provide health insurance cover for students in overseas.
  • Cashless claims settlement being in overseas.
  • 24/7 insurance protection round the clock.
  • Offers coverage for Maternity expenses, Pre-existing diseases, Study Interruption, Sponsor protection, 2 way Compassionate visit and more.
  • There is no break in your overseas insurance cover when you travel to India for holidays and return back to overseas.
  • Premium paid in Indian rupees while coverage is in US dollars.

TATA AIG travel insurance renewal while outside India

Indian students who want to extend or renew click hear and fill the form TATA AIG international travel insurance renewal request form online and we will try to get an approval for you.

USA as the destination for higher education!

Over 100,000 Indian students enrol in US universities annually. This makes it the second largest international student community after Chinese student community. The United States remains the most attractive destination for Indian students wanting an overseas education. The reasons are self evident, there are more than 4000 institutions that offer undergraduate, masters and doctorate degrees in many different specializations. The USA education system has strong academic & social environment which fosters both academic, professional and personal development of individuals. Students get to interact with some of the best teachers and researchers in different fields. There is no country which can offer similar state of the art research facilities for student leaning toward research and Doctorates.

Students who are working towards engineering and management degrees find the US most attractive given the employment opportunities that an US degree offers. Along with the academic aspect, the US government is making it easy for Indian students to stay and work in the US after completing their studies. The student visa (F1 visa) allows student to work in the US under the OPT program. All of this makes the US a very attractive destination for higher education.

Please read through TATA AIG student insurance brochure for the benefits covered by the plan and its policy wordings which explains the terms and conditions. You can also complete an online TATA AIG Travelguard proposal form. You can also get the complete quotes using the TATA AIG Student premium chart

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Advantages of TATA AIG Student travel medical plans in USA

These are unique advantages of TATA AIG student travel insurance which is not available by international university insurance options:
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Refund of the premium

A full refund of the premium if rejected by the university.

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Waiver form

Will help complete the university waiver form if required.

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Special approval

Special approval possible for students already outside India

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Study Interruption

TATA AIG student insurance reimburses the semester fee if the student is not able to complete the studies due to a medical emergency.

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Sponsor Protection

If the sponsor of the students education is fatally injured or left permanently disabled, the TATA AIG student insurance will help cover the tuition fees for the remainder of the course.

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Pay for the insurance in Indian Rupees to get coverage in US Dollars

When you buy the TATA AIG student travel insurance, your pay in Indian Rupees, but are covered in US Dollars. This makes the TATA AIG student medical insurance very affordable when compared to international student insurance options.

Steps to buy TATA AIG international student insurance for USA

The following are for buying TATA AIG student health insurance for Indian students abroad in USA
  1. Find out from your University if they offer an University health insurance policy for international students
  2. If they offer a plan, is it mandatory to buy that University plan, or do they allow other student insurance plans
  3. If your university allowed to buy other student insurance, then you can compare student insurance plans offered by TATA AIG
  4. Compare the TATA AIG student medical insurance plans with the University plan based on price as well as coverage benefits
  5. Select the USA student health insurance plan that best fits your budget and needs.
  6. If you buy the TATA AIG international student insurance online, you will receive the policy documents by email
  7. If applicable, we can complete the University insurance waiver form.

Indian international student insurance by TATA AIG

  • What does TATA AIG student travel insurance cover?

    • Accident and Sickness Medical Expenses
      • TATA AIG StudentGuard will pay you Covered Medical Expenses incurred overseas by you, which are not due to a pre-existing condition up to the maximum stated in the Policy Schedule or the Schedule of Benefits.

    • Repatriation of remains
      • TATA AIG StudentGuard included under Accident & Sickness Medical Expenses

    • Study Interruption
      • TATA AIG General insurance will reimburse tuition fee paid in advance for the current semester if your studies are interrupted due to medical or compassionate reasons.

    • Sponsor Protection
      • In the event of accidental death or permanent disablement of your sponsor, TATA AIG will reimburse the remaining school fees up to a specified maximum limit shown in the table of benefits.

    • Compassionate Visit (2-way)*
      • Visit by Family Member: - If you are hospitalized for more than seven (7) consecutive days, TATA AIG will cover the cost of round-trip economy class air ticket and accommodation expenses for an immediate family member to be with you.
      • Visit by Student: In the event of death or hospitalization of parent(s)/spouse/child(ren) for more than seven (7) consecutive days, we will cover the cost of a round trip economy class air ticket. (* Subject to maximum coverage as provided in the Schedule of Benefits.)

    • Personal Accident
      • Student Guard Plus provides worldwide coverage against Accidental death and permanent Disablement whilst you are abroad, upto maximum limit shown in the Schedule of Benefits.

    • Maternity Benefits
      • Medical expenses related to termination of pregnancy are covered subject to maximum amount as provided in the Schedule of Benefits subject to a waiting period of 10 months from the effective date of policy.

    • Assistance Services
      • Our assistance team will be available around the clock for any assistance or referral services.


    • Mental and Nervous disorder
      • Treatment for mental and nervous disorders on recommendation of a physician, including alcoholism and drug dependency are covered subject to maximum amount as provided in the schedule of benefits.

    • Cancer Screening and mammography
      • Medical expenses related to Cancer Screening and mammography examination on recommendation from a physician are covered subject to maximum amount as provided in the schedule of benefits.

    • Red 24 Services ( https://www.red24.com/)
      • Red 24 is a unique global security services providing advice to help individuals avoid and manage personal risks for themselves and their families.

    • Relocation Services
      • The AIG International Services Student Support Membership provides solutions to the problems students face in the United States. Through our 24-hour multilingual services center, we offer access to a board range of benefits that are designed to make the transition easy and hassle free. If you choose a One year policy this is already included in the student insurance plan.
  • What is not covered?

    • Acts of war, terrorism, Participation in illegal acts, professional and/or competitive sports, pregnancy or childbirth except for termination of pregnancy, suicide or self inflicted injury, AIDS.
    • Any Pre-existing conditions or complications arising there from.
    • Any loss due to your engagement in any branch of armed forces or operating; acting as a crew member or an operator of any carrier; testing of any kind of conveyance; engagement in any kind of labor work; engagement in offshore or mining or aerial photography; handling explosives.
    • Also you are not covered if any expenses incurred directly or indirectly in respect of: traveling against the advice of the physician; for obtaining treatment; pre-existing ailments & complications arising out of them; Suicide or attempted suicide; war; terrorism; illegal acts; dangerous sports etc.

    For other exclusions please refer to the Brochure.

TATA AIG medical insurance for international students in USA - FAQ's

What is the free-look period for student insurance?

The free-look period is a 15-day buffer period during which students can review the policy documents and choose to cancel the policy without having to pay a cancellation fee. This is very useful if one is not sure of the University will accept the student insurance.

Yes, there is an age limit to be eligible to buy the TATA AIG student travel insurance. The student must be between the ages of 16 and 35 to satisfy eligibility.

Yes, If the student requires a dental surgery to treat acute pain from a natural tooth, the student medical insurance will help take care of the cost.

No, the TATA AIG student travel insurance will not cover any costs associated with treatment of a pre-existing ailment unless it is a life-threatening situation.

In circumstances where the student is hospitalised for over a month or cannot continue education due to a covered illness or injury, the student travel insurance will reimburse the student for any tuition fees that are already paid to the educational institution.

Student travel insurance is strongly recommended even if the students is traveling to a country where student travel insurance is not mandatory. Given the benefits of having student travel insurance, it is strongly advised to buy TATA AIG medical insurance for international students in USA.

International students are not required to produce proof of student insurance for their F1 visa and there is no US government insurance requirements for studying in the US. However, very often US universities insist of student insurance requirements. It is however strongly advised to buy TATA AIG USA student insurance given the benefits of good student travel insurance.

Even if not mandated by any authorities, good medical travel insurance plan can protect the student while outside India. Student medical insurance takes care of hospital related costs, medicine expenses and costs related to an emergency surgery.

In the U.S., access to low-cost or public health care is very limited, and international students typically are not eligible for most programs. Experts say students should contact universities about their specific policies, which can vary widely.

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Customer 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".