TATA AIG Travel Guard Plus Policy

Why TATA AIG Travel Guard Plus Plan?

Offered by TATA AIG General Insurance Company Limited, this new TATA AIG Travel Guard Plus offers enhanced benefits and comprehensive coverage to Indians venturing abroad. It is provided by one of the leading general insurers in India and is distinctly different from its earlier plans because of its unique features and benefits.

The plan has been carefully designed to cover every traveller's varied needs, with over 40 different types of coverage benefits. Other than regular medical coverage benefits, some of the key benefits include an instant gratification feature in case of flight delays or cancellations, personal accident coverage in India, plans without sub-limits, and add-on bundles like accident bundles, cruise bundles and more.

These plans can be easily customised by choosing the desired add-ons depending on the location and purpose of your trip. Some of its unique features include coverage for rental vehicle abroad, loss of international driving license, visa rejection, accommodation extension, pandemic cover, fraudulent charges and more.

Key Features: TATA AIG Travel Guard Plus Plan

Following are some of the key features of this TATA AIG Travel Guard Plus plan:

TATA AIG Travel Guard Plus Plan Variants

These are some of the available plan variants under the TATA AIG Travel Guard Plus travel insurance policy:

These are some of the most popular plan variants offered under this TATA AIG Travel Guard Plus plan. On Policybazaar, you can easily find plans suited to your requirements, location, and age.

TATA AIG Travel Guard Plus Plan Inclusions

The coverage offered under this TATA AIG Travel Guard Plus ranges from emergency medical expenses to trip and travel-related contingencies. Here are the key inclusions under this TATA AIG Travel Guard Plus policy:

1. Medical Expenses

   If you sustain an injury or fall sick while on your trip abroad, this TATA AIG Travel Guard Plus policy will reimburse the covered medical expenses in case of hospitalisation. It will also covers expenses in case of daycare and OPD treatment as per the sub-limits of your plan.

   The policy will also provide coverage for emergency medical evacuation, and repatriation of mortal remains in case of an eventuality.

2. Accidental Death & Disablement

   The policy will cover injuries leading to continuous and permanent disablement up to the specified sum insured of your policy. In case the insured traveller suffers an injury during their trip, which directly results in their death, this TATA AIG Travel Guard Plus policy will pay their legal heir or nominee the sum insured payable under the policy terms.

   The policy also accepts claims in case of disappearance due to forced landing, sinking, wrecking, or stranding of the common carrier in which the insured was a passenger. This benefit is applicable if the insured traveller's body can't be located within 1 year of any of the mentioned Acts of God.

3. Emergency Medical Dental Expenses

   This TATA AIG Travel Guard Plus policy will reimburse you for dental benefits that you avail during your journey abroad. It will also reimburse you for incurred expenses up to 30 days from the date when you got your first dental treatment. This feature is not applicable for pre-existing conditions or treatments that can be reasonably delayed.

4. Delay & Loss of Checked-in Baggage

   The policy reimburses you in case your checked-in baggage is misdirected or delayed by the common carrier. It will also pay you in case of permanent loss of your checked-in baggage due to non-delivery at its destination or while returning to India.

5. Passport Loss

   In case you lose your passport abroad due to theft, you can claim for reasonable expenses that you will incur in getting an emergency certificate as well as the cost of applying for a fresh passport upon your return to India.

6. Fraudulent Charges

   In case your eligible credit card is stolen or lost, this TATA AIG Travel Guard Plus policy will reimburse you for any unauthorised charges. This benefit is only possible for your eligible card and only up to 12 hours prior to your first reporting to the insurer.

7. Accommodation Extension

   In case you are unable to travel on the day of your scheduled departure for mentioned reasons, this TATA AIG Travel Guard Plus policy will reimburse you for reasonable expenses. These scenarios include:

   • Your or your immediate family member's hospitalisation
   • In case your departure is delayed at the port due to rescheduling/cancellation of flights, unexpected floods, earthquakes, terrorism etc. and other situations mentioned in the policy.

8. Loss of IDL

   The insurer will reimburse you in case you lose your International driving license during your insured trip abroad. You will be reimbursed towards expenses incurred in getting a duplicate IDL overseas or within 30 days upon your return to India.

9. Personal Liability

   In case you are unintentionally liable towards a third party for damaging their property or causing them bodily injury, then the policy will indemnify you for any legal liability such as defence costs and legal settlement. This benefit can only be claimed with the insurer's prior consent.

10. Flight Delay, Missed Flight/Connection, Flight Cancellation

    This TATA AIG Travel Guard Plus policy will pay the sum insured amount in case your flight is delayed more than the policy's specified deductible. It will also reimburse your non-refundable travel ticket costs if you miss your flight due to reasons such as mass bandhs, widespread strikes, accidents, etc. The insurer will also pay upto the mentioned sum insured for your cancelled flight.

11. Personal Accident in India

    This TATA AIG Travel Guard Plus policy offers coverage in case you get injured during your insured journey in India to the airport for your scheduled international departure. The benefit offers reimbursement in case of accidental death, disappearance, and injuries leading to disability.

    It will also cover for any injury sustained upon your return to India while you're on your way back to your usual place of residence in India. For this reason, this benefit is also called 'Home-to-home' coverage, providing protection throughout the trip.

12. Bounced Hotel/Airline Booking

    The insurer will reimburse you for actual additional expenses incurred in case you need to book an alternative flight or accommodation. This benefit can be availed in case of bounced booking of your pre-paid flight or accommodation arrangements.

13. Loss of Personal Baggage

    The insurer will reimburse you for the purchase cost of your lost personal baggage in case it is stolen, or lost during your insured journey. You must submit an invoice for each item claimed under this benefit.

14. Compassionate Travel/Stay

    In case of your medical emergency abroad, this TATA AIG Travel Guard Plus policy will cover the actual cost of transporting one immediate family member to attend to your medical emergency abroad. This covers to and fro economy class tickets for a maximum of 7 days.

15. Rental Vehicle Cover

    If the vehicle you rented on your insured trip is stolen, damaged or involved in an accident while in your custody, this policy will reimburse you for the rental vehicle excess.

16. Alternative Transport Expenses

    In case your confirmed scheduled transport arrangement is shortened or diverted, forcing you to take an alternate transport to reach any pre-paid travel/tour or event, then the policy will reimburse you for the additional cost.

17. Pandemic Cover

    If you're diagnosed and required to quarantine due to a declared pandemic during your insured trip abroad, the policy will cover certain expenses as per the policy schedule.

18. Missed Booking

    This TATA AIG Travel Guard Plus policy will reimburse you for covered expenses in case you're unable to attend pre-booked events, commence tours because of your trip's non-commencement.

19. Visa Rejection

    This TATA AIG Travel Guard Plus policy will reimburse you for your visa fee if it is rejected without any fault, neglect or shortcoming on your part. However, this benefit is not available for those going on an immigrant or employment visas.

20. Emergency Extension of the Policy

    In case of an emergency forcing you to extend your stay abroad, the insurer shall grant an extension to your policy period. This extension is only possible in case of certain scenarios such as delay of scheduled airline by over 24 hours, a pandemic situation as declared by WHO, political instability, terrorism, etc.

    Other than these, the policy offers several coverage benefits, such as a kidnap/hijack allowance, loss of personal baggage, home burglary insurance, loss of cash, upgrade to business class, and many more. Please read the policy wording carefully to understand all the benefits offered under this TATA AIG Travel Guard Plus policy.

TATA AIG Travel Guard Plus Plan Exclusions

It is important to know when or where your travel insurance policy will not provide any coverage. Some of the general exclusions under this TATA AIG Travel Guard Plus policy are:

• Any pre-existing condition or complication, unless life-threatening
• Claims arising due to self-inflicted injuries/illness, insured's suicide or attempted suicide
• Claims arising due to adventure sports, unless opted for the benefit
• Claim for death or disability caused due to illegal activities or break of law
• Claims related to injury, accident etc. if the insured person was under the influence of liquor or drugs
• Claims for legal liability if the insured was involved in an illegal act or willfully participated
• Any claim due to pregnancy, childbirth and related complications
• Claims resulting due to consequential loss (nuclear weapon material, radioactivity contamination, biological terrorism, etc.)
• Non-medical expenses not listed in the policy wording

These are some of the key general exclusions. For a better understanding, please refer to the policy wording of the plan to avoid any risk of claim rejection in future.

TATA AIG Travel Guard Plus Plan Add-Ons

Other than the inclusions mentioned above, this TATA AIG Travel Guard Plus plan also offers optional coverage or add-ons for enhanced coverage. You must pay an additional premium while opting for any of these bundles. Following are the add-ons available under this TATA AIG Travel Guard Plus plan:

Accident Bundle

This add-on provides coverage for the following:

• Lifestyle modification cover in case you suffer an accident leading to disablement. It will cover the cost of artificial limbs and other necessary modifications.
• Child education benefits in case the insured suffers a fatal event.
• Coma cover in case of an injury sustained during the trip. Only covers coma of specified severity.
• Adventure sports cover for mentioned medical expenses, accidental death & disability, hospital daily cash, etc.

Cruise Bundle

This bundle offers reimbursement related to your booked cruise. You will be reimbursed in case you miss your cruise for covered reasons. It also offers coverage for cruise interruption given that it was due to covered reasons.

Travel Plus Bundle

This bundle consists of the following benefits:

• Accompaniment of minor child under 16 years
• Frequent flyer cover
• Loss of electronic portable items

Optional Assistance Services under TATA AIG Travel Guard Plus Plan

Other than regular assistance services provided to the insured policyholder, this TATA AIG Travel Guard Plus also provides optional assistance services. You must pay an additional premium to avail of these benefits. Some of the benefits offered under these optional assistance services are:

Care at Home Service

This benefit allows you to provide mentioned services required to any two eligible family members in India. You can book the service required through the portal while you're abroad. These services include:

• Online medical consultation
• Home diagnostic services
• Delivery of medicines

Automated Luggage Tracking Service

This service can be opted to track your delayed baggage in real time. When you opt for this service and you're outside India, you will get automatic push notifications via SMS or email as soon as the status of your delayed baggage changes.

Lost and Found Passport Service

If you opt for this service, you will get e-tags that help track your passport in case they're misplaced. You must notify the Assistance Company when you realise the passport has been lost, and they will assist you in tracking

How to Raise a Claim under TATA AIG Travel Guard Plus Plan

In case you face an emergency and need to raise a claim, you can raise a claim by following these steps:

Contact Us

You must contact our claim support team in case you need to raise a claim. You can contact Policybazaar.com through our toll free number or email:

• Call at 1800-258-5881
• Email at travelclaims@policybazaar.com

Our team will provide assistance in 30 minutes, helping you file, prepare required documents, and coordinate with the insurer.