Tata AIG International Travel Insurance – Complete Brochure-Based Guide (2026)
This page is a complete, clause-by-clause explanation of Tata AIG International Travel Insurance – International Plus, created by expanding the official policy brochure into plain, understandable language.
Every coverage, limit, condition, eligibility rule and restriction has been explained using tooltips so that you know exactly what is covered, what is partially covered, and what is not covered — before you buy.
About Tata AIG General Insurance
Tata AIG General Insurance Company Limited is a joint venture between the Tata Group of India and American International Group (AIG), USA. This combination provides Indian travellers with:
- Strong financial backing
- Global claims and assistance network
- Experience in handling overseas medical emergencies
For international travel insurance, global reach and assistance capability are more important than brand name alone — which is where Tata AIG stands out.
What Is Tata AIG International Travel Insurance – International Plus?
Tata AIG International Plus is a comprehensive travel insurance policy designed for Indian residents travelling outside India for:
- Tourism and holidays
- Business travel
- Family visits
- Short-term overseas stays
The policy provides financial protection against:
- Medical emergencies arising due to illness or accidental injury
- Emergency medical evacuation and repatriation
- Trip disruptions such as cancellation or curtailment
- Flight delays and missed connections
- Loss or delay of checked-in baggage
- Loss of passport
- Third-party legal liability
- Visa rejection (selected plans)
Eligibility Criteria Explained
The policy is available for travellers based on the following eligibility rules:
- 👶 Minimum Entry Age : 3 months
- 👴 Maximum Entry Age : 70 years (standard plans)
- 🏠 Residency : Indian resident
Senior citizens above the standard age limit must opt for specially designed Senior or Senior Plus variants, which have different limits and conditions.
Trip Types Covered Under the Policy
Tata AIG International Travel Insurance is available for multiple trip formats:
✈ Single Trip
Ideal for travellers who are planning a one-time overseas journey such as a holiday or business visit.
🔁 Annual Multi-Trip (AMT)
Best suited for frequent flyers who travel abroad multiple times in a year. Each trip is covered automatically without buying separate policies.
Geographical Scope of Coverage (Very Important)
The premium, medical limits and suitability of the policy depend heavily on the geographical area selected.
🌎 Worldwide Including USA & Canada
This option must be selected if your travel includes the United States or Canada. Medical treatment in these countries can cost several lakhs even for minor emergencies.
🌍 Worldwide Excluding USA & Canada
Suitable for Schengen countries, UK, Asia and Middle East where medical costs are comparatively lower.
🏥 Medical Coverage – Detailed Explanation
Medical coverage is the core of Tata AIG International Travel Insurance. All plans provide medical cover on an unlimited basis, subject to per-incident limits.
🏥 Medical Expenses – Illness & Injury
This benefit applies when:
- The illness or injury occurs during the policy period
- Treatment is medically necessary
- The insured is outside India at the time of treatment
Medical expenses may include:
- In-patient hospitalisation
- Day care procedures
- Emergency room services
- Physician and surgeon fees
- Prescribed medicines
Pre-Existing Disease (PED) – Expanded Explanation
⚠ Pre-Existing Disease (PED)
A pre-existing disease refers to any illness, injury or health condition that existed before the start of the policy.
Under Tata AIG International Plus:
- Only life-threatening emergencies are covered
- Routine follow-ups are not covered
- Planned treatment is not covered
- Sub-limits apply as per plan variant
This is a standard limitation across almost all Indian travel insurance policies.
🚑 Emergency Medical Services & Assistance
One of the most critical strengths of Tata AIG International Travel Insurance is its 24×7 worldwide emergency assistance network. This service ensures that help is available even when you are unfamiliar with local hospitals, language, or medical systems.
📞 24×7 Emergency Assistance Services are available throughout the policy period.
These services are especially useful in situations where:
- You require immediate medical attention
- You need help locating the nearest suitable hospital
- You need coordination between hospital and insurer
- You are facing language barriers abroad
The assistance provider acts as the first point of contact during any emergency and guides you through the claim process.
🚑 Emergency Medical Evacuation – Detailed Explanation
🚑 Emergency Medical Evacuation is one of the most expensive benefits included in international travel insurance.
Medical evacuation may be required when:
- A suitable medical facility is not available locally
- The insured’s condition requires specialised treatment
- Local medical infrastructure is inadequate
Under Tata AIG International Plus, evacuation expenses may include:
- Air ambulance charges
- Medical escort costs
- Ground ambulance services
- Necessary medical equipment during transport
Without insurance, emergency evacuation can cost anywhere between ₹10 lakh to ₹40 lakh, depending on the country and distance involved.
⚠ Medical Recommendation Requirement
Evacuation arranged independently without insurer approval may not be reimbursed.
⚰ Repatriation of Mortal Remains
⚰ Repatriation of Mortal Remains is covered in the unfortunate event of death during overseas travel.
This benefit covers:
- Preparation of mortal remains
- Transportation costs
- Necessary documentation
- Local burial or cremation if repatriation is not feasible
International repatriation is extremely complex and expensive without insurance, often exceeding ₹15–25 lakh.
🏥 Hospitalisation Assistance & Cashless Treatment
🏥 Cashless Hospitalisation is available through the insurer’s global assistance partners.
Cashless treatment is applicable when:
- The hospital is part of the insurer’s network
- Prior intimation is given to the assistance provider
- Treatment is covered under policy terms
If cashless service is not available, you may opt for 💳 Reimbursement Claims .
In reimbursement cases, original bills, prescriptions and medical reports must be submitted for claim settlement.
🛏 Hospital Daily Allowance / Hospital Cash (Where Applicable)
Certain Tata AIG travel insurance plans provide a 🛏 Hospital Daily Allowance benefit.
This benefit helps cover incidental expenses such as:
- Food and meals
- Local transportation
- Phone and communication costs
Hospital cash is payable:
- After a minimum hospitalisation period (as specified)
- Up to the maximum number of days mentioned in the policy
ℹ Independent Benefit
🏨 Accommodation Extension & Compassionate Visit
🏨 Accommodation Extension helps when your return journey is delayed due to medical reasons.
This benefit covers:
- Additional hotel expenses
- Necessary stay due to hospitalisation
❤️ Compassionate Visit is available when hospitalisation exceeds the specified duration.
This ensures emotional and logistical support during serious medical emergencies.
📞 Other Emergency Assistance Services
In addition to medical support, Tata AIG’s assistance services may include:
- 💵 Emergency Cash Assistance
- ⚖ Legal Referral Assistance
- 🌐 Language & Translation Support
These services are designed to provide end-to-end support, not just claim settlement.
Important Advisory: Always carry the emergency assistance contact details and policy number with you during travel. Save them on your phone and keep a printed copy.
✈ Trip-Related Coverage – Complete Explanation
Trip-related benefits protect you from financial loss due to disruptions that occur before or during your journey. These covers are especially important when flights, hotels, or tour packages are prepaid and non-refundable.
✈ Trip Cancellation
Trip cancellation coverage applies when you are forced to cancel your trip before leaving India.
Covered reasons typically include:
- Serious illness or injury to the insured
- Death or serious illness of an immediate family member
- Hospitalisation of the insured prior to departure
- Natural disasters affecting the destination
The policy reimburses:
- Non-refundable air ticket costs
- Prepaid hotel bookings
- Pre-booked tour packages
⚠ Important Limitation
✈ Trip Curtailment
Trip curtailment applies when your trip has already started but you are forced to return early due to an emergency.
Covered situations may include:
- Medical emergency requiring return to India
- Death of an immediate family member in India
- Major catastrophe at home requiring your presence
The policy may reimburse:
- Unused hotel bookings
- Unused tour arrangements
- Additional one-way return ticket expenses
✈ Trip Interruption
Trip interruption differs from cancellation and curtailment in that the trip may resume after resolving the emergency.
This benefit helps cover additional costs such as:
- Rebooking flights
- Additional accommodation
- Local transport expenses
✈ Flight Delay & Missed Connection – Detailed Explanation
✈ Flight Delay
Flight delay cover is triggered when your scheduled flight is delayed due to reasons beyond your control.
Common reasons include:
- Technical issues
- Operational delays
- Weather-related disruptions
This benefit is designed to cover incidental expenses such as:
- Meals and refreshments
- Communication expenses
- Local transport during delay
⏱ Waiting Period Applies
⏱ Missed Connection
Missed connection cover applies when:
- You have confirmed connecting flights
- The first flight is delayed
- The delay causes you to miss the onward flight
The benefit may cover:
- Rebooking costs
- Additional accommodation
- Meals during waiting period
🧳 Baggage-Related Coverage – Clause-by-Clause
🧳 Delay of Checked-in Baggage
This benefit is triggered when your baggage does not arrive with you at the destination.
The policy pays compensation to help purchase:
- Essential clothing
- Toiletries
- Basic necessities
⚠ Documentation Requirement
🧳 Loss of Checked-in Baggage
Loss of baggage is considered only when:
- The airline confirms permanent loss
- All recovery attempts have failed
Compensation is paid:
- As a fixed sum
- Subject to per-item and overall limits
⚠ Depreciation Applies
📘 Loss of Passport – Detailed Explanation
📘 Loss of Passport is a highly valuable benefit during international travel.
This benefit reimburses costs related to:
- Police report (FIR)
- Embassy documentation
- Application fees for duplicate passport
⚠ Limitation
⚖ Personal Liability – Overseas Legal Protection
⚖ Personal Liability protects you from unexpected legal expenses overseas.
This cover applies when:
- The act was unintentional
- The liability arises under local laws
This benefit does NOT cover:
- Intentional acts
- Contractual liabilities
- Liability involving family members
Key Advisory: Always keep copies of flight tickets, boarding passes, baggage tags, airline certificates, and passport documents. These are critical for successful claim settlement.
➕ Optional Covers & Additional Benefits (Plan Dependent)
In addition to standard coverage, Tata AIG International Travel Insurance offers certain optional and plan-specific benefits. These benefits enhance protection for travellers with specialised needs.
🏄 Adventure Sports Cover
Adventure sports cover may be available as:
- An inbuilt benefit in higher plans
- An optional add-on in selected plans
Commonly covered activities may include:
- Skiing and snowboarding
- Scuba diving (up to specified depth)
- Paragliding and zip-lining
⚠ Important Limitation
🛑 Hijack / Kidnap Allowance
This benefit provides:
- Daily cash allowance
- Payable for each day of detention
- Up to the maximum days specified in the policy
This cover is primarily available in Platinum, Titanium and higher variants.
🏠 Home Burglary Cover
This optional benefit protects your home in India when you are overseas.
Coverage applies only when:
- The burglary occurs during the policy period
- Police complaint is lodged
- Loss is substantiated with proof
💻 Electronic Equipment Cover
This benefit is useful for:
- Business travellers
- Students travelling abroad
- Digital nomads
⚠ Depreciation Clause
🔁 Annual Multi-Trip (AMT) Plans – Complete Breakdown
🔁 Annual Multi-Trip (AMT) Travel Insurance is designed for frequent international travellers.
Instead of buying separate single-trip policies, AMT covers:
- Unlimited number of trips in one year
- Automatic coverage for each journey
Maximum Trip Duration Per Journey
AMT plans typically impose a limit on the duration of each trip, such as:
- 30 days per trip
- 45 days per trip
- 60 days per trip
⚠ Duration Limitation
Who Should Choose an AMT Plan?
- Business professionals travelling frequently
- Consultants and corporate employees
- Frequent leisure travellers
AMT plans are usually more cost-effective if you travel abroad three or more times a year.
👴 Senior Citizen Travel Insurance – In-Depth Explanation
Tata AIG offers dedicated travel insurance variants for senior citizens, recognising the increased medical risks associated with age.
👴 Senior & Senior Plus Plans
These plans are typically applicable for:
- Travellers aged above 70 years
- Extended family visits abroad
Medical Coverage for Senior Citizens
Senior plans offer:
- Lower medical sum insured compared to standard plans
- Higher deductibles
- Strict sub-limits on treatments
⚠ PED Restrictions for Seniors
Who Should Avoid Senior Travel Insurance?
Senior travellers who require:
- Regular dialysis
- Planned surgeries abroad
- Ongoing outpatient care
may find these plans unsuitable due to limitations.
📊 Sub-Limits, Deductibles & Plan Variations
Understanding sub-limits is critical to avoid unpleasant surprises at the time of claim.
📉 Sub-Limits Explained
Sub-limits may apply to:
- Room rent
- ICU charges
- Specific treatments
- Hospital cash benefits
💰 Deductibles
Deductibles are more common in:
- Senior citizen plans
- Lower premium variants
Higher deductibles generally result in lower premiums.
Plan-Wise Benefit Differences
As you move from Silver to Titanium Plus plans:
- Medical limits increase
- Additional benefits are added
- Sub-limits become less restrictive
⚠ Important Reminder
Expert Tip: Do not compare plans based only on premium. Always evaluate medical limits, sub-limits, deductibles and destination risk together.
❌ Exclusions – What Is NOT Covered (Very Important)
Understanding exclusions is as important as understanding coverage. Exclusions define situations where no claim will be paid, even if you have a valid policy.
⚠ Pre-Existing Disease – Non-Emergency Treatment
Any medical condition that existed before policy purchase is considered a Pre-Existing Disease (PED).
The policy does NOT cover:
- Routine check-ups
- Follow-up consultations
- Planned surgeries
- Regular medication abroad
Only life-threatening emergency treatment may be covered, subject to sub-limits.
⚠ Self-Inflicted Injuries
Claims will not be paid if injury or illness arises due to:
- Intentional self-harm
- Suicide or attempted suicide
- Reckless behaviour
⚠ Alcohol / Drug-Related Incidents
If the insured is under the influence of:
- Alcohol
- Drugs
- Narcotics
at the time of incident, claims may be rejected.
⚠ Adventure Sports Without Add-On
Activities such as:
- Mountaineering
- Skydiving
- Professional sports
are excluded unless explicitly covered.
⚠ War, Terrorism & Nuclear Risks
Claims arising from war-like situations, nuclear incidents, or mass unrest are excluded under standard travel insurance policies.
📝 How to Claim Tata AIG Travel Insurance – Step-by-Step Guide
A correct claims process significantly increases the chances of smooth and fast settlement.
📞 Step 1: Inform the Assistance Provider Immediately
You must contact the 24×7 assistance service in case of:
- Medical emergency
- Hospitalisation
- Evacuation requirement
The contact number is mentioned on:
- Policy document
- Policy card
🏥 Step 2: Choose Cashless or Reimbursement
Cashless claims are available only at network hospitals.
For non-network hospitals:
- You pay expenses first
- Submit documents later for reimbursement
📄 Step 3: Submit Required Documents
Common documents include:
- Claim form
- Hospital bills & receipts
- Medical reports
- Airline certificates (for delay/baggage)
- Police report (for passport loss)
💳 Step 4: Claim Processing & Settlement
Once documents are verified:
- Claim amount is approved
- Payment is credited to your bank account
📋 Smart Buying Checklist (Before You Purchase)
- ✔ Select correct destination (USA/Canada vs Others)
- ✔ Choose adequate medical limit
- ✔ Check PED sub-limits carefully
- ✔ Seniors should review deductibles
- ✔ Buy policy before visa application
- ✔ Save assistance contact details
❓ Frequently Asked Questions (Expanded)
Is Tata AIG travel insurance mandatory?
Mandatory for Schengen visas and strongly recommended for all international travel.
Can I buy the policy after booking tickets?
Yes, you can buy it even one day before departure.
Does Tata AIG cover COVID-19?
Yes, COVID-19 treatment is covered as part of medical expenses.
Is OPD treatment covered?
No, outpatient treatment is generally not covered unless resulting in hospitalisation.
Can policy be extended during travel?
Extensions may be allowed subject to insurer approval and conditions.
✅ Final Verdict – Should You Buy Tata AIG International Travel Insurance?
Tata AIG International Travel Insurance is a comprehensive, visa-accepted, globally supported travel insurance policy suitable for:
- Tourists
- Families
- Business travellers
- Senior citizens (with realistic expectations)
It stands out for:
- High medical coverage
- Strong evacuation benefits
- Worldwide assistance network
- Multiple plan variants
If chosen carefully based on destination, age and health condition, it offers excellent value and peace of mind.
Tata AIG International Travel Insurance – Detailed Plan Comparison with Sub-Limits
⬅️ Swipe left / right to see full comparison
| Coverage / Sub-limit | Silver | Silver Plus | Gold | Platinum | Titanium | Titanium Plus |
|---|---|---|---|---|---|---|
| Medical Expenses (Per Incident) | USD 50,000 | USD 100,000 | USD 250,000 | USD 500,000 | USD 750,000 | USD 1,000,000 |
| Overall Medical Limit | Unlimited (subject to per-incident limits) | |||||
| Pre-Existing Disease (Life-Threatening) | ⚠ Low sub-limit | ⚠ Low sub-limit | ⚠ Moderate sub-limit | ⚠ Moderate sub-limit | ⚠ Higher sub-limit | ⚠ Higher sub-limit |
| Emergency Medical Evacuation | USD 100,000 | USD 150,000 | USD 250,000 | USD 500,000 | USD 750,000 | USD 1,000,000 |
| Repatriation of Mortal Remains | Actuals | Actuals | Actuals | Actuals | Actuals | Actuals |
| Hospital Daily Allowance | ❌ | ⚠ Limited | ⚠ Moderate | ✅ Higher | ✅ Higher | ✅ Higher |
| Trip Cancellation | ❌ | ⚠ Low | ⚠ Moderate | ✅ Higher | ✅ Higher | ✅ Higher |
| Trip Curtailment / Interruption | ❌ | ⚠ Low | ⚠ Moderate | ✅ Higher | ✅ Higher | ✅ Higher |
| Flight Delay | ⚠ Low (after waiting period) | ⚠ Low | ⚠ Moderate | ✅ Higher | ✅ Higher | ✅ Higher |
| Missed Connection | ❌ | ⚠ Limited | ⚠ Moderate | ✅ Higher | ✅ Higher | ✅ Higher |
| Baggage Delay | ⚠ Low | ⚠ Low | ⚠ Moderate | ✅ Higher | ✅ Higher | ✅ Higher |
| Baggage Loss | ⚠ Low + depreciation | ⚠ Low | ⚠ Moderate | ✅ Higher | ✅ Higher | ✅ Higher |
| Loss of Passport | ⚠ Limited | ⚠ Limited | ⚠ Moderate | ✅ Higher | ✅ Higher | ✅ Higher |
| Personal Liability | ❌ | ⚠ Limited | ⚠ Moderate | ✅ Higher | ✅ Higher | ✅ Higher |
| Hijack Allowance | ❌ | ❌ | ⚠ Limited | ✅ Included | ✅ Included | ✅ Included |
| Adventure Sports | ❌ | ❌ | ⚠ Optional | ⚠ Optional | ⚠ Optional | ⚠ Optional |
| Home Burglary (India) | ❌ | ❌ | ⚠ Limited | ⚠ Moderate | ⚠ Moderate | ⚠ Moderate |
Tata AIG International Travel Insurance – Detailed Plan Comparison with Exact Sub-Limits
⬅️ Swipe left / right to see full comparison
| Coverage / Sub-Limit | Silver Plus | Gold | Platinum | Titanium | Titanium Plus | Action |
|---|---|---|---|---|---|---|
| Medical Expenses (Per Incident) | USD 100,000 | USD 250,000 | USD 500,000 | USD 750,000 | USD 1,000,000 | Check Premium |
| Overall Medical Limit | Unlimited (subject to per-incident limits) | |||||
| Pre-Existing Disease (PED) | USD 10,000 | USD 15,000 | USD 20,000 | USD 25,000 | USD 25,000 | |
| Emergency Medical Evacuation | USD 100,000 | USD 250,000 | USD 500,000 | USD 750,000 | USD 1,000,000 | |
| Repatriation of Mortal Remains | Actuals | |||||
| Hospital Daily Allowance | USD 50 × 5 days | USD 75 × 7 days | USD 100 × 10 days | USD 100 × 10 days | USD 100 × 10 days | |
| Trip Cancellation | USD 1,000 | USD 3,000 | USD 5,000 | USD 7,500 | USD 10,000 | |
| Trip Curtailment / Interruption | USD 1,000 | USD 3,000 | USD 5,000 | USD 7,500 | USD 10,000 | |
| Flight Delay | USD 100 | USD 150 | USD 200 | USD 200 | USD 200 | |
| Missed Connection | USD 250 | USD 500 | USD 750 | USD 1,000 | USD 1,000 | |
| Baggage Delay | USD 100 | USD 200 | USD 300 | USD 300 | USD 300 | |
| Baggage Loss | USD 500 | USD 1,000 | USD 1,500 | USD 2,000 | USD 2,000 | |
| Loss of Passport | USD 300 | USD 500 | USD 750 | USD 1,000 | USD 1,000 | |
| Personal Liability | USD 50,000 | USD 100,000 | USD 200,000 | USD 300,000 | USD 300,000 | |
| Hijack Allowance | Not Covered | USD 100 × 5 days | USD 150 × 7 days | USD 150 × 7 days | USD 150 × 7 days | |
| Best For | Schengen / Budget | Family Travel | USA / Canada | Business / Frequent | Maximum Protection | |
Important: Sub-limits are indicative and subject to destination, age band and final policy schedule issued by Tata AIG. PED cover applies only to life-threatening emergencies.
Tata AIG International Travel Insurance – Senior & Senior Plus Plan Comparison
⬅️ Swipe left / right to see full senior plan comparison
| Coverage / Sub-Limit | Senior | Senior Plus | Action |
|---|---|---|---|
| Medical Expenses (Per Incident) | USD 50,000 | USD 100,000 | Check Senior Premium |
| Overall Medical Limit | Unlimited (subject to per-incident limits) | ||
| Pre-Existing Disease (Life-Threatening Only) | USD 5,000 | USD 10,000 | |
| Emergency Medical Evacuation | USD 50,000 | USD 100,000 | |
| Repatriation of Mortal Remains | Actuals | ||
| Hospital Daily Allowance | USD 50 × 5 days | USD 75 × 7 days | |
| Trip Cancellation | USD 1,000 | USD 2,000 | |
| Trip Curtailment | USD 1,000 | USD 2,000 | |
| Flight Delay | USD 100 | USD 150 | |
| Baggage Loss | USD 500 | USD 750 | |
| Loss of Passport | USD 300 | USD 500 | |
| Personal Liability | USD 50,000 | USD 100,000 | |
| Hijack Allowance | Not Covered | USD 100 × 5 days | |
| Best For | Short Family Visits | Longer Senior Travel | |
Important for Senior Travellers:
• Higher deductibles and stricter sub-limits apply compared to individual plans.
• Pre-existing disease cover is restricted to life-threatening emergencies only.
• Always verify the final policy schedule before travel.
Which Tata AIG Travel Insurance Plan Should You Choose?
- Schengen / Europe (Visa Only): Silver Plus
- Budget Leisure Trip: Gold
- Family Travel: Gold / Platinum
- USA / Canada: Platinum / Titanium
- Frequent Flyers: Titanium Plus (Annual Multi-Trip)
- Senior Citizens: Senior Plus
Real-World Scenarios: How Claims Actually Work
Scenario 1: Medical Emergency in USA
A traveller on Platinum plan is hospitalised in New York due to appendicitis. The total bill was USD 48,000. Tata AIG’s assistance arranged cashless admission and settled the claim directly with the hospital.
Scenario 2: Schengen Visa Rejection
A traveller’s Schengen visa was rejected due to embassy decision. Silver Plus plan reimbursed the visa fee as per policy terms.
How to Ensure Your Travel Insurance Claim Is Not Rejected
- Always inform assistance provider immediately
- Do not self-arrange evacuation without approval
- Keep all original bills and airline certificates
- Declare pre-existing conditions honestly
Important Coverage Gaps You Should Know
- Routine OPD treatment is not covered
- Pre-existing diseases are emergency-only
- Adventure sports need add-on
- Alcohol-related incidents are excluded
FAQs After Comparing Plans
Is higher medical limit always better?
Yes for USA/Canada, not mandatory for Europe.
Is Titanium Plus worth extra premium?
Yes for frequent travellers and high-risk destinations.
Disclaimer: This article is a detailed explanatory guide based on the official Tata AIG International Travel Insurance brochure. Policy terms, conditions, limits and exclusions apply. Always refer to the final policy wording issued at the time of purchase.
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