Tata AIG Travel Insurance — Complete Coverage Guide (2025)

Detailed breakdown of coverages, limits, sub-limits, deductibles, plan options, and payment modes — ready for Blogger.

Overview

Traveling abroad can expose you to medical emergencies, trip interruptions, and financial loss. This guide explains Tata AIG's travel insurance offerings (single-trip, annual multi-trip, student, family, senior) with practical details.

Plan Options

Plan Type	Who it's for / Key Features
Single Trip	One-time journey — affordable premiums, standard travel & medical protection.
Annual Multi-Trip	Frequent travelers — multiple trips per year (up to 180 days per trip).
Student Travel Insurance	Students abroad — study interruption & sponsor protection included.
Family Travel Insurance	Single policy for the family with bundled benefits.
Senior Citizen Plan	71+ years — focused medical support & emergency evacuation.

Coverage Details

Coverage	Limit	Sub-limit / Deductible
Medical Expenses & Repatriation	Up to USD 1,000,000	Deductible USD 100
Emergency Medical Evacuation	Up to USD 100,000	No sub-limit
Accidental Death & Dismemberment	USD 10,000 – 25,000	Nil deductible
Checked-in Baggage Loss	Up to USD 1,500	USD 50–250 deductible
Delay of Checked Baggage	USD 100 – 250	After 12 hrs waiting
Loss of Passport	USD 250 – 500	USD 25 deductible
Trip Cancellation	Up to actual cost	Nil deductible
Study Interruption (Student)	USD 5,000 – 10,000	Nil deductible
Personal Liability	USD 100,000 – 200,000	Nil deductible
Hijack Distress Allowance	USD 75 – 150/day max 7 days	Nil deductible
COVID-19 Medical Treatment	Included within medical SI	USD 100 deductible

*Limits vary by chosen plan and destination. Verify policy wording for precise details.

Sub-limits, Excess & Deductibles

• Sub-limits: Room rent, ICU, dental, surgery caps.
• Deductible: Typically USD 100 per claim on medical; others nil.
• Pre-existing conditions: Often excluded unless covered with extra premium.
• Claims process: Pre-authorization may be needed; contact assistance immediately.

Inclusions & Exclusions

Included

• Emergency medical treatment
• Evacuation / repatriation
• Accidental death & disability
• Trip cancellation, baggage loss/delay
• 24x7 global assistance

Exclusions

• Elective/cosmetic procedures
• War, civil commotion, nuclear risks
• Claims from intoxication or illegal acts
• High-risk sports (unless add-on)
• Migration-related losses

Claims & Assistance

1. Carry your policy and assistance contacts.
2. Call assistance for emergencies & cashless hospitals.
3. File local reports for baggage/passport loss.
4. Submit claims with reports & receipts promptly.

Tip: Keep digital copies of important documents in cloud storage.

Modes of Payment

• Credit/Debit Cards, Net Banking, UPI, Wallets.
• EMI options for long-duration plans.
• No medical tests needed for most policies.

Best Practices Before You Buy

• Match sum insured to destination & activities.
• Choose No Sub-Limit variants for fewer restrictions.
• Confirm sport coverage if doing adventure activities.
• Review refund & cancellation policy.

Quick Summary

• Plans: Single, Multi-trip, Student, Family, Senior
• Coverage: Medical up to USD 1,000,000, Evacuation USD 100,000, Liability USD 200,000
• Baggage/Passport: Loss up to USD 1,500, Passport up to USD 500
• Student Benefits: Study Interruption up to USD 10,000
• Claims: 24x7 assistance, cashless hospitalization, 15–21 days reimbursement
• Payment: Cards, UPI, Net Banking, EMI, Wallets

Last updated: September 25, 2025 | © 2025 Insurance Knowledge Hub