TATA AIG Travel Guard Policy

Why Choose TATA AIG Travel Guard Policy?

Offered by the reputed TATA AIG General Insurance Company, Ltd., this plan has been created to meet the needs of individuals and families travelling abroad. It comes with varying coverage and is available for single trips as well as annual plans for frequent travellers. Here are some key features of this TATA AIG Travel Guard plan:

• Offers Global Protection
• Comes with wide range of plan variants to choose the right option
• No medical certification required
• Emergency assistance covered
• Renewable (For annual Multi Trip only)
• 15 days Free Look period (For annual multi trip only)
• 30 days Grace Period (For annual multi trip only)

Here are some important facts about this TATA AIG Travel Guard Plan:

TATA AIG Travel Guard Plan Variants

Following are the plan variants offered by this TATA AIG Travel Guard Policy:

Single Trip

• Silver
• Silver Plus
• Gold
• Platinum
• Senior Plan

Annual Multi-Trip

• Gold
• Platinum

Here are the sum insured, benefits and general coverage offered by these TATA AIG Travel Guard plan variants:

TATA AIG Travel Guard Policy Eligibility Criteria

Any Indian planning a trip abroad can buy this TATA AIG Travel Guard plan. For those purchasing a single trip insurance plan, the entry age is 6 months. Silver, Silver Plus, Gold, & Platinum can be purchased by Indians up to 70 years. The Senior Plan variant is available for travellers 71 years and above.

For travellers who travel abroad frequently, Gold and Platinum annual multi-trip plans are available for those aged 19 to 70 years.

TATA AIG Travel Guard Policy Inclusions

This TATA AIG travel insurance policy offers several medical, flight-related, trip-related and other benefits. Here’s a list of inclusions under the TATA AIG Travel Guard Policy:

• Accidental Death and Dismemberment Benefit (24hrs)
• Accidental Death and Dismemberment Benefit (Common Carrier)
• Accident and Sickness Medical Expenses Reimbursement Benefit
• Baggage Delay Benefit (After first 12 hrs)
• Checked-in Baggage Loss Benefit
• Home Burglary Cover
• Trip Cancellation Benefit
• Fraudulent Charges Coverage
• Missed Connection / Missed Departure Benefit
• Bounced Hotel/Airline Booking Benefit
• Flight Delay Coverage
• Automatic policy extension upto 7 days
• Personal Liability
• Emergency Medical Evacuation
• Repatriation of Remains
• Loss of Passport

Please note that not all of these benefits are offered by all the plan variants. For a better understanding of what is included under a plan variant, please refer to the policy wording.

TATA AIG Travel Guard Policy Exclusions

While this TATA AIG Travel Guard Policy offers great coverage during many emergencies, it won’t cover certain situations. Here is a list of general exclusions under this TATA AIG travel insurance plan:

• Any person travelling with/for treatment of a disease.
• Expenses due to suicide, sexually transmitted diseases, mental or nervous disorder, anxiety, stress or depression.
• Any problems arising due to intake of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Physician and taken as prescribed
• Participation in an felony, riot, crime, misdemeanour, or civil commotion
• Injuries while operating/learning aircraft activities
• Any loss arising out of war, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities, rebellion, mutiny, use of military power or usurpation of government or military power
• Any radioactivity problems
• Self exposure to needless peril (except in an attempt to save human life)
• Any expense arising because of participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing, riding or driving in races or rallies, 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
• Expenses due to participation in any professional sports
• Any loss related to pregnancy or pregnancy-related complications
• Any loss, injury, damage or legal liability arising directly or indirectly from: Travel in, to, or through Afghanistan, Cuba or Democratic Republic of Congo
• Any loss, injury, damage or legal sustained directly or indirectly by any terrorist or member of a terrorist organisation, narcotics trafficker, or purveyor of nuclear, chemical or biological weapons

TATA AIG Travel Guard Policy Claim Procedure

Having a travel insurance policy is very important for any person travelling abroad. However, to truly avail the benefits in case of trouble, it is even more important to make timely claims and be prepared in case of emergencies. You can easily raise a claim under this TATA AIG travel insurance plan by following these steps:

• In case of an emergency, inform your TPA or insurer visa available options (toll-free number or email)
• Prepare the documents required for your claim
• Send the necessary documents via fax, email or post
• Once your documents have been verified, your insurer will process your claim accordingly.

Please note that you must raise a claim within 30 days of the incident.

How to buy TATA AIG Travel Guard Policy

You can buy this TATA AIG Travel Guard plan through Policybazaar.com or directly through the insurer's website. If buying through Policybazaar, follow these steps:

• Visit Policybazaar.com and click on the ‘Travel Insurance’ section on the menu
• On the available form, enter your destination(s), trip duration, age and other details.
• Proceed to ‘View Plans’ and select the ‘Insurer’ filter to get a list of available TATA AIG travel insurance plans
• Browse through the various types of plans and select the plan you wish to buy.
• Check the quote and click on ‘Buy Now’
• Provide the necessary details and proceed to payment
• Select a suitable payment mode and pay the premium. You can pay the premium online via debit card, credit card, or net banking.