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.
International Student Travel Insurance for USA from India - 2026
Indian students studying in USA can buy TATA AIG student travel insurance from ₹67/day* - covering medical emergencies, hospitalization, personal liability, and 24×7 travel assistance. Plans meet USA university and visa insurance requirements. Get your instant quote in 2 minutes.
Starting Premium
₹67/day*
Coverage Available
Up to $500,000
Eligible Age
16 years to 35 years
Worldwide Coverage
Cashless hospitalization?
Duration
Pricing depends on coverage duration.
Support Available
24x7
1 Lakh+ travellers
20+ years expertise
24/7 support available
TATA AIG Student Medical Insurance Cost Calculator
Why Indian Students Choose USA for Higher Education?
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.
TATA AIG USA Student Insurance: Key Details at a Glance
| Feature | Details |
|---|---|
| Starting Premium | ₹67/day* |
| Medical Coverage | Upto $500,000 |
| Eligible Age | 16 to 35 years |
| Student Plans | Plan A, Plan B, Ultimate, Ultimate Plus, Supreme |
| Emergency Assistance | 24×7 |
| Purchase | Online from India, policy instantly by email |
Which TATA AIG USA Travel Insurance Is Right for You?
- Students on a budget → Student Insurance Plan A → $50,000 medical cover; from ₹67/day*.
- Students seeking a mid-range medical limit → Student Insurance Plan B → $100,000 medical cover; from ₹76/day*.
- Students wanting higher medical protection → Student Ultimate → $250,000 medical cover; from ₹86/day*.
- Students prioritising the highest listed medical limit → Student Ultimate Plus → $500,000 medical cover; from ₹93/day*.
- Students comparing premium options at the $500,000 coverage level → Student Supreme → $500,000 medical cover; from ₹102/day*.
How Much Does TATA AIG Student Travel Insurance Cost for USA in 2026?
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:
₹2,412 to ₹3,502 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 ₹67/day, with the best coverage from only ₹86/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 | ||
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.
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?
verified Trusted Global Insurance Provider
TATA AIG is a well-established international insurer known for reliable student travel and health insurance.
health_and_safety Comprehensive Student Coverage
Includes medical expenses, emergency evacuation, repatriation, accidental death & disability, and personal liability, designed for students studying in USA.
task_alt Visa-Compliant Insurance
Policies align with common USA student visa insurance requirements, supporting smooth visa approval.
bolt Instant Online Purchase
Buy TATA AIG USA student insurance online, make a secure payments and receive your policy by email.
support_agent 24/7 Global Assistance
Access round-the-clock emergency support while studying and living in USA.
savings Affordable & Flexible Plans
Choose from competitive premiums, multiple sum insured options, and coverage that matches your course duration.
What Are the 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.
currency_exchange 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.
description University Waiver Form Assistance
TATA AIG provides support in completing and submitting university insurance waiver forms, if required by the institution.
flight_land 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.
school 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.
family_restroom 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.
attach_money Pay in INR and 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.
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 applicable 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 applicable benefit limits.
Cancer Screening and Mammography
Medical expenses for cancer screening and mammography are covered when prescribed by a physician, subject to applicable 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.
Travel Safe to USA with Trusted TATA AIG Student Insurance
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".
How Does TATA AIG Student Insurance for USA Work?
Example: An individual who has purchased TATA AIG student 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:
| Medical Expense | Amount |
|---|---|
| X-ray and laboratory tests | USD 3,000 |
| Surgery | USD 11,000 |
| Hospital room rent | 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.
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.
fact_check Step 1: Check University Health Insurance Requirements
Find out whether your USA university offers a mandatory health insurance policy for international students.
rule Step 2: 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_arrows Step 3: 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.
balance Step 4: Evaluate Coverage and Cost
Compare plans based on premium amount, medical coverage, study interruption, and sponsor protection benefits.
tune Step 5: Select the Best-Fit Insurance Plan
Choose the USA student health insurance plan that fits your budget and coverage needs.
payment Step 6: Buy TATA AIG Student Insurance Online
After completing the purchase online, policy documents are delivered instantly by email.
verified_user Step 7: University Insurance Waiver Assistance
If required, assistance is provided to complete and submit the university insurance waiver form.
TATA AIG Medical Insurance for International Students in USA - FAQs
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.
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.
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.
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.
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.
Yes, students aged 16–35 are eligible to apply for TATA AIG student travel insurance, subject to policy terms. Policies are available for one, two and three years, so a four-year course may require renewal or additional coverage. Confirm the available policy duration, renewal approval and university insurance requirements before purchasing.
Student Insurance Plan A has a $50,000 medical policy maximum and a published one-year premium of ₹24,808 for students travelling to the USA or Canada. However, a 10-month policy quote may differ from the annual rate. Confirm the exact premium and coverage dates before buying.
Student Insurance Plan B offers a $100,000 medical policy maximum, with a published one-year premium of ₹28,094 for USA and Canada destinations. Before purchasing, ask your university whether the plan’s deductible, benefit limits and other policy conditions satisfy its insurance requirements; meeting the medical limit alone may not be sufficient.
block 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.
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