Travel insurance for Coronavirus Covid

  • TATA AIG Insurance
  • Travel Insurance

TATA AIG Travel Insurance

  • Including USA and Canada
  • Excluding USA and Canada
  • Schengen Countries
  • Coverage for seniors up to the age of 99 years
  • Option of coverage without any sub-limits
  • Covers hospitalization medical expenses and OPD/ doctor visits including pharmacy bills.
  • Trip Cancellation and Trip Curtailment
  • Missed Connection/Departure
  • Bounced Hotel/Airline booking
  • Pre-existing condition coverage up to $1500 in case of life threatening situation for all ages.
  • TATA AIG travel insurance Covid19 covered under Hospitalization Medical Expenses.

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TATA AIG Travel Insurance Review

TATA AIG covid19 insurance

TATA Travel insurance extension/renewal while outside India

Tata aig travel insurance india - useful links.

buy TATA AIG overseas insurance

You can buy Travel Guard policy online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

TATA AIG traveler outside India

Travelers who have already traveled from India and do not have insurance can buy TATA AIG overseas insurance online.

TATA AIG travel insurance premium chart

Calculate the international travel insurance premium for Indian travelers and senior citizens travelling overseas

TATA AIG travel insurance claims

In case of Claim or reimbursement of treatment expenses, notify TATA AIG overseas travel insurance.

TATA AIG student travel insurance Brochure

Download TATA AIG Travel Guard brochure online!

TATA AIG travel plan renewal

Travel insurance customers can renew their existing policy online before the exipry date at any time.

What are the important factors to consider while buying TATA travel insurance ?

  • Frequency of travel: If you are a corporate traveler or business man traveling overseas frequently, you might want to buy an annual multi-trip insurance plan, which insures you for several trips during the year. Fore a leisure traveler on an occasional vacation outside India, the single trip travel insurance is appropriate.
  • Medical coverage required: Travelers should choose between the different TATA AIG overseas insurance plans available based on the maximum sum limit coverage. The higher the medical maximum coverage, the greater will be the overall benefits offered by the plan.
  • Sub-limits vs No Sub-limits: For travelers over 56 years, TATA AIG has limited on each coverage benefit under the plan with sub-limits. While these plans are cheaper, they do have limitations if one is hospitalised and has large medical expenses. For older travelers, it is recommended to buy travel insurance without these sub-limits, which even if more expensive, provide comprehensive coverage and is very important as healthcare is very expensive in Europe and the United States.

What are the main coverage benefits of TATA AIG travel insurance?

Travel insurance

What is the cost of TATA AIG travel insurance?

  • Age of the traveler: The older the traveler the higher the cost of travel insurance.
  • Length of travel: The cost of travel insurance increases with the duration of insurance coverage required.
  • Travel Destination: The cost of travel insurance varies with the destination. The United States is most expensive, followed by Europe. The cost within Asia and India is the cheapest.
  • Sum limit of insurance: The higher the Accident and Sickness maximum limit, the higher the cost of insurance. The options range from $50,000 to $500,000.
  • Sub-limits vs No Sub-limits: This is applicable for travelers over 56 years. No Sub-limit plans provide comprehensive coverage and are more expensive.

Travel insurance plans for all types of travellers

Tata aig insurance without sublimit.

TATA AIG has introduced the travel guard insurance plan without sublimits for senior citizens and is available up to the age of 99 years.

TATA AIG Senior Citizen (71 - 99 yrs)

Senior Citizens (travel insurance for over 70 years) can buy best travel insurance for seniors over 70 up to maximum 180 days.

TATA AIG Student Insurance

Offers university comparable coverage. Indian students between 16 to 35 years, enrolled and attending college as a full time student outside India are eligible.

TATA AIG Multitrip Insurance

Tata AIG has designed international annual multi trip insurance for businessmen and corporate professionals who are frequent travelers.

TATA AIG Asia Insurance

Asia plan is available only for 14 days and up to 70 years. This plan does not cover for Japan and Koreas.

TATA AIG Domestic Insurance

Buy TATA AIG Domestic travel insurance in India for the individual or family travelling within India.

TATA AIG General Insurance, TATA travel insurance online

Tata aig travel guard insurance plan details, travel insurance tata aig benefits, tata aig travelguard features.

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Tata AIG coronavirus overseas travel insurance offers covid19 coverage. COVID related expensed are covered up to the chosen sum insured.

TATA AIG travel insurance cost is much competitive considering its health insurance coverage, plan benefits, service and other factors. For younger travelers it is cheaper while compared to the senior travelers. However they can avail much cheaper plan by choosing the plans as per their requirements. You buy Indian travel insurance in Rupees but get coverage in US Dollars, this makes TATA travel insurance very cheap and price competitive.

Yes, Tata AIG travel insurance cashless treatment is available in overseas travel policies of Tata AIG. If it is an emergency, get the policy holder admitted in the hospital and inform the service provider, while for planned hospitalization contact the service provider before you take the policy holder for treatment.

There are several general insurance companies in India which offer international travel insurance for people traveling outside India. One of the best international travel insurance in India is the Tata AIG travel insurance for its claim settlement record and brand awareness. Tata AIG travel insurance plans are designed to cater the needs of the travelers traveling outside India. Tata AIG travel insurance policies have a worldwide recognition and is well accepted in all countries.

Covid19 will be covered only in case of inpatient (hospitalization treatment for more than 24 hours). Any kind of quarantine (home /hotel, institutional quarantine expenses) self-isolation, Covid-19 test or expenses related to reports will not be covered.

Tata AIG General Insurance Company Limited is the joint venture between the reputed Tata Group and American International Group. While Tata Group has 74 Percent stake in TATA AIG General Insurance the AIG group has the remaining 26 Percent. Both these companies being very highly regarded bring their best practices to the joint venture. The value of the insurance product is ultimately based on how well the service is provided and claims are settled. In this regard TATA AIG General insurance works hard to win the trust of customers based on their excellent service.

Tata AIG overseas travel insurance can be extended up to a total of 360 days for travellers up to the age of 70 years. For travellers above 70 years, the extension available is for a total of 180 days. Extending of the TATA AIG travel insurance is however not guaranteed. Extension of an existing travel insurance policy will depend on the length of the original policy and if there is any pending claim. Travellers can fill the travel insurance extension request form which will be reviewed by the underwriting team.

An Annual Multi-trip travel insurance plan is a policy which insures several trips undertaken during an year. The customer can travel multiple times during the year under this one policy, however there are time limits on the duration of each trip which is usually either 30 or 45 days depending on the annual travel insurance policy purchased.

The TATA AIG senior citizen travel insurance plan is available for senior citizens up to the age of 98 years. The TATA AIG senior citizen plan is available for a maximum of 180 days and a maximum coverage of USD $50,000.

TATA AIG travel insurance is cashless for eligible inpatient hospitalisation. Travellers should contact the toll free customer support number and inform them of the hospitalization. If the insured is hospitalized for more than 24 hours in one of the preferred network of hospitals, AIG IS or ISOS will offer cashless hospitalization by paying 100% of the claim amount to the hospitalization ((subject to deductibles under the policy conditions). This is applicable for Inpatient expenses provided the same is admissible under the policy.

Based on the underwriter approval, the traveler can buy Tata AIG travel insurance after leaving India. Fill the traveler already outside India form with the requested details and we will try getting an approval for you to buy overseas travel insurance while you are away from your home country.

As the Schengen consular, a foreign travelers needs to have medical insurance before applying for visa. The travel medical insurance must have a maximum coverage of atleast 30,000 Euros or the equivalent of $50,000 to cover medical expenses arising from sudden injury or illness. The travel insurance must also offers coverage for emergency medical evacuation and repatriation.

Tata AIG travel insurance offers coverage for travelers of any age group up to the age of 99 years. Therefore the maximum entry age to buy overseas travel insurance from Tata AIG is 99 years.

Yes some travel insurance offer coverage for pre-existing conditions under life threatening situations. As travel insurance is designed to cover sudden expenses from sickness while travelling, if a traveler has reached a life threatening condition. The travel insurance will pay only till the insured has become medically stable from the pre-existing conditions. Tata AIG travel insurance will reimburse up to $1,500 for which the travelers have spent while receiving treatment of pre-existing illness under life threatening when they were in a foreign country.

Yes, you can renew TATA AIG travel insurance online . Tata AIG overseas travel insurance renewal is based on good health, no claims and approval from the underwriting team

For single trip insurance free look period is not applicable. However for annual multi trips you have 15 days’ time from the date of receipt of the policy document to review the policy terms and conditions of the policy provided that trip has not been commenced.

You can cancel the policy after the policy has started on a condition that you have not traveled overseas during the policy tenure and have to provide a proof supporting your claim of cancellation.

Once you fill the online application and complete the purchase successfully. The e-copy of the policy will be sent to your email-id provided in the online application form where you can download TATAAIG travel insurance.

TATA AIG travel guard insurance insures the traveller for unanticipated sickness or injuries when they are traveling. This travel insurance will not insure preventive care or treatment for pre-existing conditions.

What does TATA AIG travel insurance cover?

  • The plan covers for medical expenses due to accident and sickness while traveling outside India.
  • Reimbursement for loss of checked in baggage.
  • Coverage for expenses incurred in obtaining a duplicate or new passport.
  • The policy pays for immediate dental treatment occurring due to sudden acute pain during an overseas insured journey.
  • Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.
  • In the unfortunate event of the common carrier being hijacked, plan will pay a distress allowance.
  • Reimbursement of additional expenses due to trip delay (only if the trip is delayed for more than 12 hours).
  • TravelGuard gives worldwide coverage against Accidental Death and Dismemberment while abroad.
  • Reimbursement for reasonable expenses incurred for purchase of emergency personal goods due to delay in arrival of checked in baggage while overseas.

TATA AIG Travelguard benefits table

  • Pre-existing Condition or any complication arising from it in a Life saving unforeseen emergency condition would be reimburse up to $1,500 per policy.
  • Accident & Sickness Medical Expense is limited to $10,000 for two wheeled motorized mode of conveyance irrespective of any Plan and age wherever applicable
  • Accidental Death and Dismemberment Benefit is limited to $5,000 for two wheeled motorized mode of conveyance irrespective of any Plan and age wherever applicable.
  • Accidental Death and Dismemberment Benefit is limited to 10% of Principal Sum Insured for Insured Person with age 17 years or below

Popular travel destinations

  • Travel insurance for UK visitors from India should select the destination as 'Excluding America'.
  • The destination should be 'Excluding America' for travel insurance from India to Australia.
  • The destination should be 'Including America' for travel insurance India to USA and Canada (North and South America).
  • For travel within Asia like to Singapore, UAE (Dubai, Abu Dhabi) Thailand (excluding Japan), there is the Asia plan. However this is limited to short trips within 14 days only. For more than 14 days travel insurance to Singapore from India, you should choose the destination as 'Excluding America'.
  • For travel to Schengen Countries select "Schengen Countries" as your destination.

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How do I claim TATA AIG travel insurance?

  • Pre-departure services - information about foreign locations, passport / visa requirements, immunization needs etc
  • Emergency Travel Agency - provides 24 hour travel agency service for airline and hotel reservations.
  • Medical Assistance - Assistance in contacting the local medical facility and determine the next course of action. Assistance company will also recommend or assist in securing services of local physician and arranging medical services.
  • Medical Evacuation & Repatriation - In the event of medical emergency, the assistance services will arrange for evacuation and transportation based on the medical evaluation of traveler condition. Travel Guard also provides for repatriation of remains in case of unfortunate death of the insured while overseas.
  • Lost travel documents assistance
  • Emergency Message transmission services
  • Embassy referral services
  • Claims procedures Information services

TATA AIG travel insurance customer care : 24 hour tata travel insurance contact support number :

Tata aig travel insurance claim - claims and assistance services.

  • 1-866-866-2619 (Toll free within US & Canada)
  • 1-817-826-7017 (reverse charge / collect from other places)
  • Fax : 713-953-7506
  • Email: [email protected]
  • Phone: +603-2118-0782 or +603-2118-0784 (toll worldwide)
  • E-mail (Assistance): TGAP. TATAmedical @ travelguard . com
  • E-mail (claims): TGAP. TATAclaims @ travelguard . com

HYGIA

Travelers are not covered if expenses incurred involve:

  • Traveling against the advice of a Physician;
  • For obtaining treatment;
  • Pre-existing ailments & complications arising out of them;
  • Suicide or attempted suicide;
  • Illegal Acts;
  • Dangerous Sports; etc.

Tata AIG Travel Guard India includes

  • Medical Emergency Assistance
  • Baggage Claim
  • Direct settlement for in-Hospital Medical Expenses Abroad (Subject to policy terms and conditions and sub limits)
  • Medical Evacuation & Repatriation
  • Loss of Passport Assistance

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Travel insurance India using Credit or Debit Card

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Cheque / Demand draft / Net Banking - Purchase options

  • Cash Cards - ItZ cash, Pay Cash
  • Mobile Payments - Paymate, IMPS , Scan N Pay
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  • UPI - Unified Payment Interface

TATA AIG Schengen travel insurance (Schengen visa insurance for Europe)

Tata AIG Schengen insurance satisfies Schengen visa requirements and is approved by the Schengen country consulates. This plan can be purchased to obtain visa for Schengen countries which are: Austria , Belgium , Czech Republic , Denmark , Estonia , Finland , France , Germany , Greece , Hungary , Iceland , Italy , Latvia , Liechtenstein , Lithuania , Luxembourg , Malta , Netherlands , Norway , Poland , Portugal , Slovakia , Slovenia , Spain , Sweden and Switzerland ,. TATA AIG Travelguard insurance plans satisfy Schengen visa insurance requirements by offering the following coverage:

  • 30,000 Euro / $50,000 travel medical insurance
  • Repatriation coverage
  • Emergency medical evacuation
  • TATA AIG Insurance company's office is located in Europe

tata aig schengen insurance

  • Silver Plan - $50,000 max coverage
  • Silver Plus Plan - $100,000 max coverage
  • Gold Plan - $250,000 max coverage
  • Platinum Plan - $500,000 max coverage
  • Silver Plan without sublimits - $50,000 max coverage
  • Silver Plus Plan without sublimits - $100,000 max coverage
  • Gold Plan without sublimits - $250,000 max coverage
  • Platinum Plan without sublimits - $500,000 max coverage
  • Senior Plan without sublimits - $50,000 max coverage

Find out more about TATA AIG Travelguard insurance

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Tata aig overseas travel insurance online, nriol travel insurance - faq's, how do i buy tata travel insurance online.

Buying TATA travel insurance online is fairly quick and easy. You have to complete an online application providing all the relevant details regarding your travel. After completing the application form, you can pay for the policy using a credit or debit card. After completing the online payment the policy document will be emailed to the email ID provided in the application form.

Is it worth buying travel insurance ?

Any travel, especially if it involves travel outside the country will involve some risk and given the cost of the travel, it is definitely worth buying travel insurance given the coverage benefits provided. Travel involves long travel periods, and being in a new unfamiliar environment likely with different weather and food. These changes can take a toll, especially for older travelers. Healthcare costs can be very expensive especially outside India, and it is important to have travel insurance which can cover you in the event of any medical emergency.

Along with healthcare costs, travel insurance also provides coverage for adverse travel related emergencies such as loss of baggage or a stolen passport. In the extreme situation, travel insurance covers the expense of medical evacuation and for repatriation of remains.

Given all these benefits, travel insurance provides a layer of safety and peace of mind while traveling, and is strongly recommended.

What is the best Indian travel insurance policy?

There is no single policy that is best for all travelers and budgets. The ideal travel insurance plan varies from traveler to traveler, however, despite a higher premium cost, given the risks involved in travel, especially international travel, it is prudent to buy comprehensive travel insurance coverage (without sub-limits) and with a high sum insured amount.

Does TATA AIG travel insurance provide coverage for pre-existing conditions?

Travel insurance is meant to provide coverage for unplanned adverse medical conditions. Travel insurance will not provide coverage for any preventive care or for regular treatment of an existing medical ailment. However, TATA travel insurance does provide up to $1500 USD in the event that an existing medical ailment becomes life threatening.

How do I file a claim for my TATA travel insurance?

Filing a claim with TATA travel insurance is quite easy. The traveller can make the claim online by visiting the TATA AIG website and filling up the requisite travel insurance claim form. If the travelers are unable to make a claim online, they can call the toll-free customer support centre numbers that are available in the travel insurance policy document. The TATA AIG customer service staff will guide you through the claims procedure.

When should I buy overseas travel insurance?

It is important to buy overseas travel insurance before you leave India. Travellers may often think they are healthy and strong and nothing untoward will happen and hence do not need overseas travel insurance? However emergencies like sudden sickness or accidents can happen anytime and if you are not prepared for it, can result in a huge financial burden. We get queries from customers who are already hospitalized, but unfortunately travel insurance will not cover these expenses.

Travel insurance covers unexpected and sudden medical emergencies and Indian overseas travelers need to buy the visitor travel insurance before you actually need it! It is best to buy insurance that will cover your completed journey till you return to India. Sometimes you may not be sure of your travel dates, in which case you can buy for the initial duration and request an extension of coverage later. Travel insurance coverage can begin as early as the following day. Therefore if you have policies that expire or you change your travel plans like extending your trip, be aware of the dates to make sure you are always covered under international travel insurance.

Travelling overseas involves a lot of arrangements like flight bookings, hotel reservations, cruise bookings and other reservations. Some travel insurance plans offer coverage for trip cancellation to protect trip investment expenses.

It is always safe to buy international travel insurance online to protect your health and trip expenses and to secure yourself from travel risks and medical emergencies while travelling overseas.

How can I renew my TATA AIG travel policy? How do I extend my TATA AIG travel insurance?

You can renew the TATA AIG policy online . Fill the relevant details of the current existing policy and claims information (if any)and submit the form online. Our insurance advisors will then try to get approval based on the filled details. The policy holder will be updated on the approval or rejection of the renewal request as early as possible (maximum 1 working day). if approved the policy holder will be sent a buy url where he / she can pay online and renew his policy.

Can I extend my TATA AIG travel insurance while abroad?

Yes you can extend your travel insurance while being abroad. Fill the TATA AIG insurance policy renewal form so that our insurance advisors will help you to renew your policy.

Below 70 year old Travel policies can initially be purchased for 6 months and can be renewed for another 6 months provided that the policy holder is in good health, no claims on the existing policy and the policy has not expired. If the policy has expired or has any claims then renewal is based on approval from the insurance head office.

However for 70+ travel policies the sum total number of policy days included subsequent renewals cannot exceed 180 days.

Does TATA AIG travel health insurance cover outpatient medical expenses?

Yes TATA AIG travel health insurance policies cover outpatient medical expenses after the specified deductible. This might include doctor fees, prescribed medical tests and doctor prescribed medicines. Initially the insured has to bear all the medical expenses and claim for reimbursement later.

What are the key features of TATA AIG travel guard insurance?

Some of the key features of TATA AIG travel guard insurance are as below.

  • Unique plan which provides overseas travel medical insurance of all ages.
  • Travelers 56 years and above have an option of choosing coverage without medical sub limits by paying additional premium.
  • After deductible cashless hospitalization medical expenses and OPD/ doctor visits including pharmacy bills are reimbursement basis.
  • Cover for Baggage Loss, Baggage delay, Trip Cancellation and Trip Curtailment, Missed Connection/Departure, Bounced Hotel/Airline booking.
  • Covers for Pre-existing medical conditions up to $1500 in case of life threatening situation for all ages.
  • TATA AIG works with popular networks in USA like HYGEIA, First Health Network and PHCS. The policy holders will get quick service.

Is Tata AIG travel insurance good in USA?

Tata AIG has a proven track record of providing high-quality travel insurance plans and given the AIG is an US company handles all the US based customer interactions locally with an office in Houston. There are many TATA travel insurance plans available that offer comprehensive protection at a low cost where the premium is paid in Indian Rupees while the coverage is in US Dollars.

Is Tata AIG and AIA same?

NEW DELHI: Tata AIG is the General insurance company, TATA AIG General insurance. TATA AIG Life Insurance has been renamed Tata AIA Life Insurance Company following the departure of American International Group (AIG) from the Hong Kong-based insurer AIA Group. Tata AIG was founded in 2001 as a joint venture between the Indian conglomerate Tata Group and AIG.

How do I check the status of my travel insurance policy?

TATA AIG travel insurance policies are issued soon after the online transaction is completed. If you have any questions after receiving your policy or if there you have received your policy, please contact our customer service team at 080-41101026.

What happens if my claim is rejected?

Your travel insurance claim will be settled according to the policy terms and conditions. Claims against your travel insurance policy can be denied for a variety of circumstances which do not satisfy the claims conditions and if this occurs, you will be clearly informed of the reason for denting your travel insurance claim.

What happens if you extend you travel and want to extend your travel insurance?

If you extend your travel while outside India, you may be eligible for extending your travel insurance coverage. Please complete this travel insurance extension from, and we will try to get approval from your travel insurance company to extend your policy.

What are some of the exclusions in TATA AIG travel insurance ?

Travel insurance covers unanticipated adverse circumstances. Any planned situation or preventive healthcare or regular treatment to an existing medical ailment will not be covered. The following are some of the exclusions under the travel policy, please complete details please refer to the complete policy document

  • Traveling against the advice of a medical practitioner
  • Suffer from complications or need treatment for a medical ailment that existed before buying the travel policy
  • The medical condition or injury is self-inflicted
  • Any pregnancy related issue
  • Medical issue related to a mental disorder, any sexually transmitted disease or injury as a result of consuming alcohol or drugs that were not medically prescribed.
  • Claims for a loss of baggage or baggage delay if the items were shipped separately before the travel date
  • If the baggage loss occurred outside the travel destination region, eg, baggage loss happens within India
  • If the claim is not supported by relevant documents provided by concerned authorities indicating loss of baggage
  • Involvement in any illegal activity, burglary, felony, deceit or any other malicious activity.
  • Participating in adventure sports, like motocross, skydiving or scuba diving which are not covered under regular travel insurance plans.
  • Undertaking manual labour or work that is potentially harmful to the traveller’s health.

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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 14 years and has been pivotal in providing Tata AIG customers an opportunity to purchase their TATA AIG Travel insurance online".

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Even though many people may think that buying traveller insurance is a waste of money, the fact is, it’s an essential part of international trips. If you wish to save your time as well as money when travelling abroad, it’s prudent to buy travel insurance from a reputed insurer.

Every traveller’s needs and circumstances are different. If you need to travel out of the country for work more than once a year, you will have a few set expectations from a travel insurance policy. So, you need to choose a plan that would offer extensive coverage against medical as well as personal liabilities. Let’s find out what exactly is an annual multi-trip insurance plan.

Annual Travel Insurance Policy

If you are fond of travelling or if you need to travel outside the country more than once yearly, then you need to opt for a travel insurance policy without fail. An annual travel insurance policy will not only safeguard your finances during the trip but will also ensure that you are away from unnecessary expenses related to health and safety.

An annual international travel insurance plan, also known as annual multi-trip travel insurance, is specifically designed for frequent flyers. These insurance policies cover several trip-related exigencies. So, if you plan to travel out of the country more than once a year, instead of buying separate traveller insurance, it’s better to opt for a multi-trip policy.

So, if you are a business owner or work in a multinational company that needs you to travel outside the country pretty often, or if you are simply fond of travelling out of the country often, Tata AIG’s annual travel insurance policy can secure your trips and provide unmatched financial coverage against different kinds of trip-related emergencies.

Features of Annual Multi Trip Travel Insurance

If you are thinking about buying an annual travel insurance policy, you need to be aware of its features. Let’s learn about a few of them below-

Unlimited Trips in a Year: With annual multi-trip travel insurance, you can get coverage for an unlimited number of trips in a single year, with each trip having a duration of 30-45 days. This way, it will be cost-saving on your part to just pay the premium for one single policy rather than paying for multiple policies yearly.

Trip Assistance: Suppose you need to cancel or postpone or prepone your trip abroad due to some reason, the policy will compensate for the loss. Also, your flight may get delayed or cancelled and hence, you will be reimbursed for the unused and non-refundable amount of all your bookings like hotels, trips, flights, etc.

Flight delay or cancellation: You might miss a flight because of delays or because your first flight got canceled. With a multi-trip travel insurance plan, you will be compensated if your flight is canceled or delayed.

Unmatched Medical Support: When travelling abroad, you may fall ill and therefore, you might have to visit a doctor or get admitted to a hospital. You may even meet with an accident that may require you to get treated in a local hospital. And as we all know, medical costs abroad are expensive and hence, you may end up blowing off your entire budget on paying for your medical bills. But with an annual travel policy, your medical treatment costs will be taken care of by the insurer.

Loss of Baggage and Passport Coverage: If you end up losing the passport of your luggage during the trip, you can make a travel insurance claim and the insurer will cover all the costs of a replacement for your lost belonging. For your lost checked-in luggage, your total cost would be compensated by the travel plan.

Repatriation and Death Coverage: In case of the traveller’s (policyholder’s) sudden death or permanent disability during the trip, the repatriation of the body or the treatment expenses would be covered under the annual travel insurance policy.

Hijack Cover: If in case your plane gets hijacked, according to the policy terms and conditions, you’d be compensated for the distress caused to you during such an unfortunate incident.

Advantages of Annual Travel Insurance

There has been a rise in people travelling abroad for work and leisure. Most of the countries, keeping in mind the current post-pandemic scenario, expects their travellers to have a valid traveller insurance plan in hand. So, if you need to travel outside India more than once a year, it’s advisable for you to buy an annual travel insurance policy. If you are still not sure whether you’d need one or not, here is a simple list of great advantages that you will get with an annual multi-trip travel insurance policy in hand –

One single policy will provide you extensive coverage against several exigencies that may occur to you during multiple trips abroad in a single year.

Such policies come with an automatic cancellation cover that will allow you to claim reimbursement for a missed flight or cancelled hotel bookings.

You will not have to worry about buying a travel insurance plan every time you book your ticket for a trip abroad during a single year.

Such policies offer easy renewability options and you can also choose different cover plans along with the main insurance policy to make the policy more robust.

From medical emergencies to any other personal liability, an annual travel insurance policy will cover it all.

At Tata AIG, we have some of the best-suited annual multi-trip insurance policies for you.

Eligibility Criteria

The eligibility criteria to opt for multi-trip travel insurance varies from one insurer to another. However, the basic requirement of being able to buy one such policy is that you need to be between the age of 3 months to 70 years.

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TATA AIG Travel Insurance

TATA AIG travel insurance coverage for Covid19

The TATA AIG travel insurance provides coverage for Covid19 related medical expenses. COVID19 related expensed are covered up to the sum insured according to the plan chosen. Covid expenses are covered for plans both with and without Sub Limits up to the eligible policy maximum.

  • Expenses related to Covid testing are not covered till a positive Covid test report requires further medical expenses.
  • Institutional and home quarantine expenses are not covered.
  • Expenses incurred by travelers for Covid19 testing as part of government regulation are not covered.
  • Eligibility
  • Assistance & Claims

Eligibility of TATA AIG Travel Guard Insurance

  • Policy is available for all entry ages under different plans from the age of 6 months onwards till 70 years of age for all plans except the Senior Citizen plan, which has an entry age of 71 years.
  • Travel insurance is available for the maximum of 180 days under the Single Trip Plans.
  • Traveller should hold either an Indian citizen with an Indian passport, PIO Card (Persons of Indian Origin Card) or OCI Card (Overseas Citizen of India Card)
  • Traveller should be traveling out from India and be available in India while purchasing the TATA AIG Policy

Benefits of TATA AIG Travel Guard Insurance

Features of tata aig travel insurance.

  • Coverage of Medical Expenses Travel Guard takes care of your medical expenses due to Accident and Sickness while traveling so that you can concentrate on enjoying the holiday without any stress.
  • Checked Baggage Loss Compensation for the loss of checked in baggage in the custody of the common carrier.
  • Baggage delay Compensation for reasonable expenses incurred for purchase of emergency personal effects due to delay in arrival of checked in baggage, whilst overseas.
  • Loss of Passport Compensation for expenses incurred directly in obtaining a duplicate or new passport abroad.
  • Personal Liability Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.
  • Hijacking In an unfortunate event of your common carrier in which you are travelling; being hijacked, this product will pay a distress allowance to you.
  • In-hospital Indemnity The Policy pays a Daily benefit for each day you are an inpatient in a hospital due to injury or sickness.
  • Trip Delay Reimbursement of additional expenses occurred due to trip delay (only if the trip has been delayed for more than 12 hours).
  • Automatic-extension of the policy Travel Guard allows you to extend your policy upto a period of 7 days from the policy expiry date in the unfortunate event of Delay by the scheduled airline, which is beyond the control of the insured.
  • Personal Accident Travel Guard gives you worldwide coverage against Accidental Death and Dismemberment following an accident during your trip.
  • Sickness Dental Relief The policy pays for immediate Dental Treatment occurring due to sudden acute pain during the course of an overseas Insured Journey. Dental benefits will be provided for Medically Necessary filling of the tooth or surgical treatment, services, or supplies.
  • Other Benefits Tata AIG’s Plans also cover some other benefits like Trip Cancellation / Curtailment, Repatriation of Remain and Medical Evacuation, Bounced Hotel / Airline Booking and Missed Connection / Departure

TATA AIG Assistance & Claims

  • Pre-departure services - information about foreign locations, passport / visa requirements, immunization requirements etc
  • Emergency Travel Agency - provides with 24 hour travel agency service for airline and hotel reservations.
  • Medical Assistance - Assistance company will recommend or assist in securing the availability of services of Local Physicians, Admissions in Hospital and arranging other medical services. Assistance service including monitoring the patient and determining the next course of action is also carried out by them.
  • Medical Evacuation & Repatriation -In the event of medical emergency, the assistance services will arrange for evacuation and transportation based on the medical evaluation of your condition. Travel Guard also provides for repatriation of remains in case of unfortunate death of the insured while overseas.
  • Lost travel documents assistance
  • Emergency Message transmission services
  • Embassy referral services
  • Claims procedures Information services

Exclusions of TATA AIG Travel Guard insurance

  • Pre-existing medical conditions and any complications arising out of them.
  • If you are traveling against the advice of the physician.
  • Traveling with the sole reason for obtaining treatment.
  • Suicide and attempt to suicide.
  • War, terrorism and illegal acts.
  • Participating in dangerous sports
  • Does not cover trip to Manasarovar

Frequently asked questions for Tata AIG Travel Guard insurance

Travel Guard is one of the largest selling travel insurance policies in India. It is also Tata AIG’s highest selling travel insurance plan. The key features in Tata AIG’s Travel Guard include:

  • Coverage of Medical Expenses : Travel Guard takes care of your medical expenses due to Accident and Sickness while traveling so that you can concentrate on enjoying the holiday without any stress.
  • Checked Baggage Loss: Compensation for the loss of checked in baggage in the custody of the common carrier.
  • Baggage delay : Compensation for reasonable expenses incurred for purchase of emergency personal effects due to delay in arrival of checked in baggage, whilst overseas.
  • Loss of Passport: Compensation for expenses incurred directly in obtaining a duplicate or new passport abroad.
  • Personal Liability : Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.
  • Trip Delay : Reimbursement of additional expenses occurred due to trip delay (only if the trip has been delayed for more than 12 hours).
  • Personal Accident : Travel Guard gives you worldwide coverage against Accidental Death and Dismemberment following an accident during your trip.
  • Sickness Dental Relief : The policy pays for immediate Dental Treatment occurring due to sudden acute pain during the course of an overseas Insured Journey. Dental benefits will be provided for Medically Necessary filling of the tooth or surgical treatment, services, or supplies.
  • Pre-existing Condition or any complication arising from it (unless specifically covered under certain plans that are purchased by the insured)
  • services, supplies, or treatment, including any period of Hospital confinement, which were not recommended or approved, and certified as Medically Necessary by a Physician
  • routine physicals or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or X-ray examinations except in the course of a disability established by the prior call or attendance of a Physician (an example could be a person visiting the hospital to check their blood pressure or their cholesterol levels, just for their information)
  • elective, cosmetic, or plastic surgery, except as a result of an Injury caused by a covered Accident
  • suicide, attempted suicide (whether sane or insane) or intentionally self inflicted Injury or Illness, or sexually transmitted conditions, mental or nervous disorder, anxiety, stress or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus (HIV) infection
  • being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Physician and taken as prescribed
  • any loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power, Terrorism
  • congenital anomalies or any complications or conditions arising therefrom
  • participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any Professional Sports, any bodily contact sport or potentially dangerous sport for which You are untrained (please note that on https://www.eindiainsurance.com/ website, we offer some insurance plans that cover Adventure sports…so if the insured is likely to participate in any of these activities, it’s best to buy a plan that covers Adventure Sports)
  • pregnancy and all related conditions, including services and supplies related to the diagnosis or treatment of infertility or other problems related to inability to conceive a child; birth control, including surgical procedures and devices.

Yes, Tata AIG does have some restrictions for a few plans for senior citizens above the age of 56 years and these restrictions are generally referred to as Sublimits. Sublimits are extra limitations in an insurance policy's coverage of certain losses, primarily Sickness Medical expenses. They are part of the original limit, that is, they do not provide extra coverage, but set a maximum limit to cover a specific loss or for a specific medical expense. Sublimits can be expressed as a dollar amount or as a percentage of the coverage available. Typically they are part of the policy for insureds with advancing age. For example, in a Tata AIG travel policy which has an Accident & Sickness Expense coverage of $100,000, it has a sublimit of $10,000 to cover Surgery Expenses in the case of a Sickness. This means that only $10,000 of the total coverage can go toward paying for Surgery Expenses, if the insured is above 56 years of age.. The insured cannot receive an insurance payout of an amount exceeding the sublimit for the types of loss specified.

It is important to note that Tata AIG plans have a medical sublimit in place only for Sickness Medical expenses and this means that for any Accident related expenses, the maximum Sum insured is available to the insured for treatment. Kindly refer to the policy terms and conditions for the complete sublimit details. Also very importantly, Tata AIG also has a set of Travel Insurance plans without sub limits. Those travellers who do not want any restriction in their sum insured can opt for the plans without Sub Limits.

Yes, Tata AIG offers Travel Guard plans without sublimit restrictions, which you can opt for your parents who are 60+ and travelling overseas.

Review TATA AIG Travel Insurance - Travel Guard brochure to understand coverage details.

Proposal form

Fill the online TATA AIG Travel Insurance - Travel Guard proposal form.

Policy wordings

Review TATA AIG Travel Insurance - Travel Guard policy wordings which explains the terms and conditions.

Get quotes for Tata AIG travel insurance!

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Tata AIG travel insurance useful links

How to buy online.

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

Already outside India

Travelers who have already traveled from India and do not have insurance can buy Tata AIG travel medical insurance after approval.

Tata AIG Travel Insurance Online Renewal

TATA AIG health insurance renewal customers can renew existing policy online before the exipry date at any time.

Tata AIG Travel Insurance Claims & Customer care

In case of a claim or reimbursement of treatment expenses, notify Tata AIG by contacting them.

Tata AIG Travel Insurance Policy Wordings

Kindly refer the Travel Policy Insurance Wordings for complete coverage details along with terms and conditions.

How are Claims settled?

Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.

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Tata AIG

Tata AIG General Insurance Company is a joint venture between the Tata Sons and the American International Group (AIG).

Tata AIG General Insurance Company Limited is a joint venture between the Tata group and the American International Group (AIG). Tata AIG celebrated 21 years of service as on 2021, since it commenced operations on January 22, 2001. The company has made a mark in the industry by launching several innovative products and services over the years.

Under its two main business verticals - Consumer Lines and Commercial Lines, Tata AIG offers an extensive range of General Insurance covers that cater to various individual and business insurance needs.

The products range from Home insurance, Motor Insurance, Travel Insurance, Health Insurance, Rural-Agriculture Insurance etc for individuals under the Consumer Line vertical, and Property & Business Interruption insurance; D&O, Professional and General Liability Insurance; and special products like Reps & Warranties and Environmental Insurance under the Commercial Lines vertical. Each product offering is backed by professional expertise to help the customer along the entire relationship period. Tata AIG has an empowered claims team, with a in-house capability of 400 plus experts spread across 90 office in India. The customer service team too, which is the face of the company to the customer, comprises of 450 team members, operating from various offices across India.

Today Tata AIG’s core strength lies in 3 product categories - Travel Insurance, Marine Insurance and Liability and the company aims to be the most preferred General Insurance Company in the industry. In order to achieve its vision of being the most preferred general insurance company, Tata AIG is increasing its general insurance penetration in India with various significant partnerships with leading business names from varied industries.

Tata AIG has an Asset Under Management (AUM) of approximate Rs. 18,835 Cr (as of March 2022) and a workforce of about 7,941 employees present in 200 branches across India. The company’s products are available through various channels of distribution such as Agency which has a combined strength of 65,262+ licensed agents and a very strong Broking channel of 534 licensed brokers. The Bancassurance & Affinity team is responsible for initiating and tapping partnerships with Banks, NBFC's, HFC's and other affinity partners. Tata AIG is also increasing its online presence and has a strategic initiative called ‘Go Digital’ that facilitates ease of buying Insurance products in the digital world. It makes the process from sale to policy issuance effortless.

To help its distributors significantly increase their insurance knowledge, the company had established the ‘Tata AIG Academy’ in May 2014 with a vision to be a centre of excellence in learning in the General Insurance domain. Its mission is to align the training programs with the strategic business and developmental needs of Tata AIG  as well as to empower employees and partners to succeed in a fast-changing competitive environment.

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Us Consulate in Mumbai

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The U.S. Consulate in Mumbai bridges the gap between India's thriving metropolis and the heart of the United States of America. Located in the city of dreams, Mumbai, this diplomatic outpost plays a crucial role in fostering US-India relations. From its services and functions to the contact details for visitors, we will get into the essentials.

Let us navigate the ins and outs of the US Consulate in Mumbai, demystify the processes, and gain some insights into its significance.

The United States of America: Flourish Your American Dream

The United States of America, often referred to as the USA or America, is a diverse and influential nation in North America. It consists of 50 states, each with its own distinct culture, and a federal district, Washington, D.C., as the capital. Renowned for its economic prowess, the U.S. boasts the world's largest economy, driven by innovation, technology, and diverse industries. Its cultural impact extends globally through music, film, literature, and technology. The nation has played a significant role in international affairs, contributing to peacekeeping efforts, fostering alliances and championing democratic values. Despite challenges and societal divides, the United States remains a symbol of freedom and opportunity, drawing people worldwide to pursue the American Dream. Also Read: Why You Should Visit The USA?

US Consulate in Mumbai: Contact Number and Operating Hours

*US Consulate Mumbai holidays - Closed on Saturday, Sunday and other national/public holidays recognised by India and the US.

US Consulate in India: Difference Between an Embassy and a Consulate

Consulates and embassies serve as diplomatic missions established by one country in another for official diplomatic engagements. Despite sharing a common purpose, they differ in crucial aspects.

Embassy: The primary function is to represent the sending country's government at the highest diplomatic level in the host country. Embassies handle political, economic, and cultural relations, manage diplomatic affairs, issue visas and passports, and provide consular services to citizens.

Consulate: Focuses on providing services to citizens abroad, including issuing passports, aiding in emergencies, and assisting with legal matters. Consulates also contribute to trade promotion, economic relations, and business exchanges.

Embassy: Typically situated in the host country's capital city, showcasing the highest diplomatic presence.

Consulate: Usually located in major cities outside the capital, offering more localised diplomatic services.

Embassy: Staffed by diplomats, including ambassadors, counsellors, and administrative personnel, covering a wide range of diplomatic functions.

Consulate: Staffed with consuls and consular officers, handling more citizen-centric services and personnel involved in trade promotion and economic affairs.

Embassy: Holds a higher position in the diplomatic hierarchy, representing the sending country at the highest level and overseeing consulates within its jurisdiction.

Consulate: Operates under the umbrella of the embassy, focusing on specific services and diplomatic activities within its designated region.

Functions of the US Consulate in Mumbai

The U.S. Consulate in Mumbai wears many hats, playing a crucial role in strengthening the bond between India and the United States. Here's a peek into its diverse functions:

Visa Gateway to the US: The consulate is the key to unlocking the American dream for Indians. It processes visas for various purposes, from tourism and business trips to studying and immigrating to the US.

Assistance and Support: The consulate provides vital services like passport renewals, voter registration, emergency help, and guidance on legal matters. It's a home away from home for Americans residing in its jurisdiction, covering Maharashtra, Gujarat, Madhya Pradesh, Chhattisgarh, and Goa.

Strengthening US-India Ties: The consulate plays a pivotal role in enhancing bilateral relations. It facilitates cooperation on critical issues like trade, security, and environmental protection.

Supporting Business: The consulate assists American companies in navigating the Indian market and vice versa. It promotes economic partnerships and creates a conducive environment for businesses to thrive.

Services Offered at the US Consulate’s Mumbai Address

Services offered at the US Consulate in Mumbai include a range of consular and diplomatic functions to assist both US citizens and residents of India. Some key services provided at the US Consulate's Mumbai address may include:

Visa Services: Processing and issuance of visas for travel to the United States, including tourist visas, student visas, and work visas.

Passport Services: Renewal, replacement, and issuance of US passports for American citizens living or travelling in India.

Consular Assistance: Support for US citizens in distress, including emergency services, welfare and whereabouts inquiries, and assistance during crises or natural disasters.

Notary Services: Authentication of documents, affidavits, and other legal paperwork required for various purposes.

Citizenship Services: Guidance and assistance on matters related to US citizenship, including renunciation of citizenship.

Federal Benefits: Information and assistance regarding federal benefits for eligible US citizens residing in India.

Cultural and Educational Exchange: Facilitation of cultural and educational programs to promote mutual understanding and collaboration between the United States and India.

Trade and Economic Affairs: Promotion of trade relations, investment, and business exchanges between the United States and India.

Jurisdiction of US Consulates in India

Jurisdiction refers to the operational scope of a diplomatic mission, and it varies based on the mission's location. US diplomatic missions across different states and major cities in India each have distinct jurisdictions aligned with their authority and capabilities.

When applying to a specific mission, an Indian candidate selects based on their State of Residence, which is defined as the state where they have lived for more than six months. The missions' responsibilities are categorised accordingly.

Among these diplomatic missions is the US Consulate in India, which plays a pivotal role in conducting visa interviews, providing Consulate attestation, and assisting individuals in need with the immigration process. The US Consulate's jurisdiction is outlined as follows:

Do Indians Require a US Visa to Enter the Country?

Yes, Indians require a US visa to enter the United States. The type of visa required will depend on the purpose of the visit, such as tourism, business, study, or work.

Here are the different types of US visas for Indian citizens:

B1/B2 Visa: This is the most common type of visa for Indian citizens visiting the US for tourism or business purposes.

F Visa: This visa is for students who have been accepted to a US academic institution.

H Visa: This visa is for temporary workers who have been offered a job in the US.

L Visa: This visa is for intracompany transfers of employees.

O Visa: This visa is for individuals with extraordinary ability in the arts, sciences, business, athletics, education, or television.

How to Apply for a US Visa

To apply for an Immigrant US visa, follow these steps:

Step 1: Obtain a police clearance certificate from the Regional Passport Office (RPO) with a validity period usually of 1 year.

Step 2: Undergo the necessary medical examination and meet the specified parameters.

Step 3: Complete the DS-260 form, providing the invoice ID and beneficiary number.

Step 4: Pay the mandatory visa fees through one of the available payment modes.

Step 5: After submitting the DS-260 form, proceed to book a US Consulate Mumbai appointment for visa processing, selecting a date that suits your schedule and slot availability.

For a non-immigrant US visa application, follow these steps:

Step 1: Choose the visa type based on the purpose of travel.

Step 2: Fill out the non-immigrant visa application using the DS-160 form.

Step 3: Pay the required fees corresponding to the visa type.

Step 4: Schedule an interview with both the Visa Application Centre and the Visa Embassy US for a comprehensive application process.

About Tata AIG Travel Insurance Policy

Tata AIG's travel insurance online stands out as a reliable safeguard for your trip to the United States, ensuring a secure and worry-free travel experience. With a comprehensive range of coverage, it addresses various aspects of travel risks, providing financial protection and peace of mind.

Firstly, Tata AIG's international travel insurance includes extensive medical coverage, mitigating the financial burden of unexpected health emergencies abroad. This coverage encompasses hospitalisation expenses, medical evacuations, and repatriation, ensuring you receive medical attention without compromising your finances.

Additionally, overseas travel insurance offers robust coverage for trip cancellations or interruptions, protecting your financial investment in case unforeseen circumstances force you to alter your travel plans. This could include situations like sudden illness, family emergencies, or travel advisories.

You can compare travel insurance plans on our online insurance calculator and pick the right one for yourself in minutes. With our comprehensive coverage and responsive assistance services, we ensure that your journey to the US remains not just exciting but also secure.

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Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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How do i schedule an appointment at the us consulate in mumbai.

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Most services at the US Consulate require an appointment. You can schedule an appointment online through the US Department of State's website: https://in.usembassy.gov/visas/

For some services, such as passport renewals for American citizens, you may be able to mail in your application without an appointment on this email ID - [email protected] .

How long does getting a US visa from the Mumbai consulate take?

Processing times for visa applications can vary depending on the type of visa, the workload at the consulate, and individual circumstances. Usually, it’s between 7 to 10 working days. It's generally recommended to apply for your visa well in advance of your travel date.

Can I renew my US visa at the US Consulate in Mumbai?

You can renew your US Visa online without visiting the US Consulate in Mumbai in person. Essential details like your name, email ID, and phone number are necessary for the renewal process.

The duration of the entire procedure varies based on individual cases and the scheduled appointment with the Consulate/US Embassy in Mumbai.

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Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

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Tata aig health insurance customer care.

Tata AIG Health Insurance leaves no stone unturned to offer the best customer service to its customers. The company possesses a reliable customer support team that assists not only existing customers but also prospective ones.

One can buy, renew, and perform various important tasks on the official website of the company. This post will throw some light on the customer care system of the company.

Different Ways To Connect With The Customer Care Team Of Tata AIG Health Insurance

In case any health insurance policyholder wishes to contact the company’s customer care department, he/she can do so by any of the following means:

List Of Branch Offices Of Tata AIG Health Insurance

The policyholders of Tata AIG Health Insurance can easily contact or visit the nearby branch offices in their region. Though the company has numerous branch offices across the nation, some of them are listed below along with their respective details.

What Are The Customer Care Services Offered By Tata AIG Health Insurance?

Here are some of the most important customer care services offered by the company for its health insurance holders:

  • Claim Support : Whether the Tata AIG Health Insurance policyholder wants to initiate a claim or track a claim, he/she can do so through the official website of the company.
  • Branch Locator : The company’s official website also has a feature branch locator, where a customer can pick up the location and find nearby branch offices in his/her state or region.
  • Self-Service : The website also has a section on “Self-Service” where the customers can edit a policy, download a policy, download a renewal document, renew a policy, and perform various other important tasks.
  • Hospital Locator : In case the policyholder requires to locate a nearby hospital in his/her region, he/she can use the ‘hospital locator’ feature of the company. The policyholder needs to enter the city and press the “Search” button. This will show all the hospitals in the respective region.
  • Grievance Redressal : The company is dedicated to providing its clients with the greatest services. However, if any customer is dissatisfied with the services and would like to complain, he/she can feel free to contact [email protected] or call the 24-hour toll-free number 1800-266-7780 or 022-66939500 (tolled). The company claims to submit its response within 10 days of the day the complaint was received by the company or its office in Mumbai and following an internal investigation and closure.

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AIG Travel Guard insurance review: What you need to know

Whether you need an annual plan or a policy for a last-minute trip, travel guard can deliver..

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Travel Guard is one of CNBC Select 's picks for best travel insurance , thanks to its wide range of customizable policies. But are any of them right for you? Below, we review the provider and its offers and how they compare to the competition to help you choose the right travel insurance for your next trip.

Travel Guard review

Other insurance offered, how it compares, bottom line, travel guard® travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

24/7 assistance available

  • A variety of plans are available to help cover different types of trips
  • Not all products are available for purchase online

Travel Guard® is a global travel insurance provider specializing in plans for leisure and business travelers. Its online travel insurance packages include five options, from basic and last-minute trip coverage to more comprehensive plans. This allows travelers to pick a plan that best matches their situation.

For example, budget-minded travelers might go for the Essential Plan which offers basic protections, such as trip cancellation, interruption and delay insurance, coverage for lost, damaged and delayed baggage, and medical, evacuation and death coverage.

On the other hand, the Deluxe Plan — the most comprehensive option — adds such extras as missed connection coverage, security evacuation, travel inconvenience benefits and more. It also boosts high limits for essential coverages.

Last-minute travelers can opt for the Pack N' Go Plan which only includes certain post-departure coverages. Or, if you travel often, the Annual Plan can cover your trips throughout the year.

Finally, Travel Guard offers "offline" travel insurance packages, meaning you'll have to call if you're looking for a specialty plan.

Coverage types

Depending on the plan, here are the types of protection Travel Guard can include in your package:

  • Trip cancellations
  • Trip interruption
  • Baggage coverage
  • Baggage delay
  • Travel medical expenses
  • Travel inconvenience benefits (reimbursement for such situations as runway delays, cruise diversion and other unforeseen situations)
  • Medical evacuation
  • Trip Saver (reimbursement for meals, hotels and transportation if you need to begin your trip sooner due to weather or airline changes)
  • Trip exchange (reimbursement in case you have to cancel your trip and book a new one due to covered unforeseen circumstances)
  • Security evacuation (due to a riot or civil disorder)
  • Flight guard (coverage for accidental death or dismemberment that occurs when traveling by plane)
  • Pre-existing medical conditions exclusion waiver

You can also customize your plan with add-ons, such as car rental insurance and "cancel for any reason" coverage .

Travel Guard landed on our list of the best travel insurance companies thanks to its variety of coverage. With plenty of options to choose from, both online and offline, it's easy to build a policy that meets your needs.

Travel Guard also features 24-hour concierge services that you can use to book a new flight in case of an emergency or delay.

The provider's website also offers informational resources — here, you can check travel news, read safety tips and find general travel advice. Additionally, the website lets you modify your plan, file a claim and check its status, or apply for a voucher or refund.

As of writing, Travel Guard doesn't offer any discounts. That's common for travel insurance — you're more likely to find deals when shopping for other types of insurance, such as home and auto insurance .

Travel Guard is a portfolio of travel insurance and travel-related services offered by AIG Travel, a member of American International Group (AIG). AIG also offers life insurance and a variety of business insurance products.

Travel Guard makes it easy to get a travel insurance policy customized to your needs. But before you purchase coverage, it's always a good idea to shop around.

For example, if you're going on a cruise, you might want to look at Nationwide Travel Insurance . The provider advertises cruise-specific insurance with three plan options available. This type of coverage is designed with issues unique to cruises in mind — from ship-based breakdowns to missed pre-pard excursions.

If you're planning a more active trip filled with rock climbing or sky diving, Berkshire Hathaway offers the AdrenalineCare® plan which features coverage for unforeseen costs that result from participating in extreme sports on your trip, as well as reimbursement for sporting equipment delay. Pre-existing conditions are covered under this plan (if you meet qualifying conditions).

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

As you can see, offerings vary by provider. It can be helpful to compare multiple companies and the plans they offer to find what works best for you. It's even better if you gather several quotes to ensure you're getting a good price for your policy.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Travel Guard offers plenty of ways to customize your policy, making it a solid choice for travel insurance. You can also access additional options by giving Travel Guard a call. However, make sure to check out other travel insurance companies too — comparison shopping is essential when picking any type of financial product.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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