Premium Refund on Visa or University Rejection
Get a full refund of the insurance premium if your USA student visa or university admission is rejected.
TATA AIG Student Travel Insurance for USA
Secure Your Trip with TATA AIG – Now at 0% GST
Why Buy TATA AIG Student Insurance USA?
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Starting Premium
₹25/day*
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Coverage Available
Upto $500,000
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Coverage
16 years to 35 years
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Worldwide Coverage
Cashless hospitalization?
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Duration
Pricing depends on coverage duration.
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Support Available
24x7
Trusted by 15,000+ Students
20+ Years of Insurance Expertise
USA: A Leading Higher Education Destination for Indian Students
For a long time, the United States has been the most popular destination for Indian students looking for higher education abroad. The USA not only has a diverse range of undergraduate, postgraduate, and doctoral programs across fields such as engineering, business, computer science, healthcare, and the arts, but also is the home of many of the world’s top-ranked universities and research institutions. American universities are famous for providing the best research opportunities, having the best facilities, and the focus on innovation and practical skills — which all aid the students in preparing for future successful careers globally. Besides the academic excellence, the USA offers to the Indian students the multicultural campuses, powerful industry connections and very strong alumni networks as its major attractions. Besides, many of the institutions do provide the hands-on experience through internships, co-op programs and research projects, which is very important for students to be the winners in today’s competitive job market. These opportunities, along with scholarship options and varied student communities, make the United States the top choice for Indian students who want the best education and great career prospects in the future.
Why Student Travel Insurance Is Required to Travel to USA from India?
Student travel insurance is a very important factor when planning to study in the USA from India — although it is not legally required by the U.S. government for most students getting visas (like F-1 or M-1) it is still a must for international students. In fact, most American universities and colleges require international students to have adequate health and travel insurance as a condition of enrolment and campus access.
The situation in the U.S. is that healthcare is very costly without insurance and medical bills even for common treatments can run up to hundreds of dollars very quickly. Since international students are usually not eligible for public health programs, having a comprehensive travel insurance plan will simply cover you high out-of-pocket medical costs from the moment you leave India.
Student travel insurance covers:
- MEDICAL emergencies and hospital treatments
- Accidents, sudden illnesses, and doctor visits
- Emergency evacuation or repatriation
- Loss of luggage, travel delays, or missed connections
- Support and assistance overseas 24/7
In case your university provides or requires a separate student health plan, having travel insurance from India will help you cover the period from departure until your local coverage starts, and also provide additional protection against unforeseen travel-related events. This not only ensures that you meet the requirements set by the institution but also provides you with peace of mind and financial security while studying abroad.
Why Choose TATA AIG for USA Student Travel Insurance?
- Trusted Global Insurance Provider – TATA AIG is a well-established international insurer known for reliable student travel and health insurance.
- Comprehensive Student Coverage – Includes medical expenses, emergency evacuation, repatriation, accidental death & disability, and personal liability, designed for students studying in USA.
- Visa-Compliant Insurance – Policies align with common USA student visa insurance requirements, supporting smooth visa approval.
- Instant Online Purchase – Buy TATA AIG USA student insurance online, make secure payments, and receive your policy instantly by email.
- 24/7 Global Assistance – Access round-the-clock emergency support while studying and living in USA.
- Affordable & Flexible Plans – Choose from competitive premiums, multiple sum insured options, and coverage that matches your course duration.
Advantages of Buying TATA AIG USA Student Insurance
TATA AIG Student Travel Insurance offers several unique benefits for Indian students studying in USA that are not available with most international university insurance plans.
University Waiver Form Assistance
TATA AIG provides support in completing and submitting university insurance waiver forms, if required by the institution.
Special Approval for Students Already Abroad
Students who are already outside India may receive special approval to purchase TATA AIG student insurance, subject to underwriting guidelines.
Study Interruption Coverage
In case of a medical emergency, TATA AIG reimburses the remaining semester tuition fees if the student is unable to continue their studies.
Sponsor Protection Benefit
If the student’s sponsor suffers a fatal injury or permanent disability, the policy helps cover tuition fees for the remaining duration of the course.
Pay in INR, Get Coverage in USD
Students can pay the premium in Indian Rupees (INR) while receiving coverage in US Dollars (USD). This makes TATA AIG student medical insurance for USA more affordable compared to many international insurance options.
What Is Covered Under TATA AIG Student Medical Insurance for USA?
TATA AIG Student Travel Insurance offers comprehensive coverage for Indian students studying in USA, helping meet both student visa and university insurance requirements.
Accident and Sickness Medical Expenses
Covers eligible medical expenses incurred overseas due to illness or accident, excluding pre-existing conditions, up to the maximum limit specified in the policy schedule.
Repatriation of Mortal Remains
Covered under the Accident & Sickness benefit, including expenses for repatriation of remains in the unfortunate event of death abroad.
Study Interruption
Reimburses prepaid tuition fees for the current semester if studies are interrupted due to medical or compassionate reasons.
Sponsor Protection
If the student’s sponsor suffers accidental death or permanent disability, TATA AIG reimburses remaining tuition fees up to the limits mentioned in the policy.
Compassionate Visit (Two-Way)
Covers round-trip economy airfare and accommodation for an immediate family member if the student is hospitalized for more than 7 consecutive days. Also covers student travel in case of death or prolonged hospitalization of parents, spouse, or children, subject to policy limits.
Personal Accident Cover
Provides worldwide coverage for accidental death and permanent disability while the student is studying abroad.
Maternity Benefits
Covers medical expenses related to termination of pregnancy, subject to a 10-month waiting period and policy limits.
Assistance Services
24×7 global assistance services including medical referrals and emergency support.
Mental and Nervous Disorders
Covers treatment for mental and nervous disorders, including alcoholism and drug dependency, when recommended by a physician and subject to benefit limits.
Cancer Screening and Mammography
Medical expenses for cancer screening and mammography are covered when prescribed by a physician, subject to policy limits.
RED24 Global Security Services
Access to RED24 global security advisory services to help manage personal safety risks worldwide.
Relocation Services
Includes AIG International Student Support Services such as 24-hour multilingual assistance to help students settle abroad. Included automatically in one-year policies.
How Does TATA AIG Student Insurance Work?
ExampleAn individual who has purchased TATA AIG student's health insurance for USA with coverage of USD 100,000.
Let's say that this person has a medical emergency in USA and puts forward a claim of USD 17,000 which is allowed under the policy. Here the costs are broken down as follows:
| X-ray and laboratory tests | Surgery | Hospital room rent |
| USD 3,000 | USD 11,000 | USD 1,000 per day for 3 days |
| Total medical expenses: USD 17,000 | ||
Since the TATA AIG USA student insurance plan offers coverage of USD 100,000, the insurer pays the entire admissible claim amount of USD 17,000, subject to policy terms and conditions.
If a deductible applies, the student must pay the deductible amount first, and TATA AIG settles the remaining eligible claim as per the policy.
How Much Does TATA AIG Student Travel Insurance Cost for USA?
The cost of TATA AIG student travel insurance for USA is significantly lower for Indian students compared to international insurance plans, as the premium is paid in Indian Rupees (INR) while providing coverage abroad.
For Indian students studying in USA, the monthly cost of TATA AIG student insurance typically ranges between:
₹1,051 to ₹1,598 per month
The exact premium depends on several factors, including:
- Student’s age
- Type of TATA AIG student insurance plan
- Policy maximum / coverage limit
- Duration of study in USA
TATA AIG offers the most affordable student travel insurance for USA—plans starting at just ₹25/day, with the best coverage from only ₹29/day!, while fully meeting USA university and student visa insurance requirements.
| For students going to USA & Canada | |||
|---|---|---|---|
| Plan Name | Policy maximum | Cost per month | Cost for 1 year |
| Student Insurance Plan A | $50,000 | ||
| Student Insurance Plan B | $1,00,000 | ||
| Student Ultimate | $2,50,000 | ||
| Student Ultimate Plus | $5,00,000 | ||
| Student Supreme | $5,00,000 | ||
Travel Safe to USA with Trusted TATA AIG Student Insurance
How can I extend or renew my TATA AIG student travel insurance from USA?
Indian students who want to extend or renew click here and fill the form TATA AIG international travel insurance renewal request form online and we will try to get an approval for you.
Why Buy Student Insurance for USA from NRIOL?
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verifiedTATA AIG USA Student Travel Insurance Plans
Choose TATA AIG USA student travel insurance plans that meet medical and emergency coverage requirements for Irish visa and student stay.
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attach_moneyAffordable Student Health Insurance for USA from India
Competitive premiums for USA student travel insurance with transparent pricing and no hidden charges.
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schoolExperts in USA Student Travel Coverage
Over 20 years of guidance for Indian students studying abroad and parents purchasing overseas travel insurance for USA.
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editEasy Online Policy Modification
Update travel dates, passport details, or student information anytime before your trip to USA.
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updateFlexible USA Stay Extension Support
Extend your TATA AIG student travel insurance for USA seamlessly if your study duration is prolonged.
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support_agent24/7 Global Emergency Assistance
Round-the-clock claims and medical help while studying anywhere in USA.
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shopping_cartHow to Buy the Plan?
Buy Student Insurance online using a UPI, credit/debit card, NEFT, RTGS or cheque.
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assessmentStudent outside India
Students already outside India without insurance? We can try to get special approval to buy TATA AIG travel insurance online.
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assignment_turned_inHow to Make a Claim?
In case of Claim or reimbursement of treatment expenses, notify TATA AIG toll free and helpline.
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descriptionTATA AIG Student Brochure
Download TATA AIG Student Insurance brochure online!
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autorenewTATA AIG Student Insurance Renewal
Students can renew their existing policy online before the expiry date at any time.
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forumTATA AIG Student Insurance Forum
Useful discussions and forum entries for best international TATA AIG international student insurance.
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schoolTATA AIG Student Universities
List of some of the Universities whose students have purchased TATA AIG student health insurance in the past.
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Student Destinations
Discover Popular Student 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 20+ years and has been pivotal in providing Tata AIG customers an opportunity to purchase their TATA AIG travel insurance online".
Steps to Buy TATA AIG International Student Insurance for USA
Follow these steps to purchase TATA AIG student health insurance for Indian students studying in USA.
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Check University Health Insurance Requirements
Find out whether your USA university offers a mandatory health insurance policy for international students. -
Confirm If External Insurance Is Allowed
If a university plan is available, verify whether students are permitted to purchase an alternative student insurance plan. -
Compare TATA AIG Student Insurance Plans
If external insurance is allowed, compare TATA AIG international student insurance plans for USA with the university-provided plan. -
Evaluate Coverage and Cost
Compare plans based on premium amount, medical coverage, study interruption, and sponsor protection benefits. -
Select the Best-Fit Insurance Plan
Choose the USA student health insurance plan that fits your budget and coverage needs. -
Buy TATA AIG Student Insurance Online
After completing the purchase online, policy documents are delivered instantly by email. -
University Insurance Waiver Assistance
If required, assistance is provided to complete and submit the university insurance waiver form.
Factors That Affect Tata AIG USA Student Travel Insurance Cost
The cost of Tata AIG USA student travel insurance depends on several key factors that insurers consider when calculating premiums:
- Length of Trip: Longer study periods (e.g., 9–12 months compared to 3–6 months) result in higher premiums, as insurance coverage is required for an extended duration.
- Destination: Traveling to countries like USA, where healthcare and living costs are relatively high, leads to higher insurance premiums compared to low-cost Asian destinations.
- Sum Insured: Higher coverage limits provide greater financial protection but also increase the premium.
TATA AIG Medical Insurance for International Students in USA – FAQ’s
Is TATA AIG student insurance accepted by all Irish universities?
Yes. TATA AIG student insurance for USA is widely accepted by both Irish universities and colleges if the insurance meets their basic coverage criteria. Generally, the majority of institutions ask international students to have a health insurance plan that is valid, covers medical expenses, emergency treatment, repatriation, and the whole time of stay. Always check your specific university's insurance requirements prior to purchasing and if required, submit a waiver form along with the policy documents as support.
Does TATA AIG meet USA student visa health insurance requirements?
Yes. The TATA AIG student travel insurance plans are designed to satisfy USA student visa insurance requirements by providing comprehensive medical coverage and emergency benefits required by visa authorities. Your medical insurance is proof that you can get treatments, hospitalization, evacuation, and repatriation for the entire duration of your study. So, better be sure that the coverage of your chosen plan and the wording are consistent with the visa guidelines.
Is there an age limit for buying TATA AIG USA student travel 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.
Does the TATA USA student medical insurance cover dental treatment?
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.
Will the student travel insurance cover for pre-existing illnesses?
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.
Can I buy TATA AIG student insurance if I’m already in USA?
Yes. Students who are already outside India, including those in USA, may be eligible for special approval to purchase TATA AIG student travel insurance online. Approval is subject to underwriting guidelines.
Can I extend or renew TATA AIG insurance while studying in USA?
Yes. Students can renew their existing TATA AIG student insurance policy online at any time before the expiry date. This allows you to extend coverage seamlessly if your study duration is prolonged.
What Are the Exclusions Under TATA AIG International Student Insurance for USA?
- Pre-existing medical conditions and related complications
- War, terrorism, nuclear risks, and illegal activities
- Professional or competitive sports and dangerous activities
- Pregnancy and childbirth (except termination of pregnancy)
- Suicide, attempted suicide, or self-inflicted injuries
- AIDS and related conditions
- Engagement in armed forces, mining, offshore work, or handling explosives
- Travel against medical advice or for obtaining treatment
For a complete list of exclusions and limitations, please refer to the official TATA AIG policy brochure.