tata aig travel insurance multi trip

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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 Review

According to the data published by PATA , around 18 million visitors travelled outbound from India in 2014, representing 40% growth since 2009, with the number of travelers only increasing each year. People are travelling for business and for leisure, but there is one thing most of them forget to take care of when they do travel. This is arming themselves with a travel insurance plan to tackle uncertainties overseas . If you are aware of the importance of a travel plan, but haven’t figured out the best one for yourself, TATA AIG has got one for you.

To cover you against all mishaps that can occur during your overseas travel, Tata AIG General Insurance Company Limited has come up with TATA AIG Travel Guard-Overseas Travel Insurance to help you travel in peace, no matter which part of the world you wish to visit.

Tip: Don't forget insurance. Check out the best plans here.

In this article…

Single and Multi-Trip Policies

TATA AIG provides the policy buyer the flexibility to choose from five plans available under the Single Trip policy, which are Silver, Silver Plus, Gold, Platinum and Senior Plan. For those who travel frequently, TATA AIG also offers two options under the Annual Multi-Trip program, including Annual Multi Trip Gold and Platinum Plans.

Eligibility

To be eligible for these plans, the policy holder should be an Indian citizen, with the age limit starting at 6 months.

Cover Amount

TATA AIG Travel Insurance offer medical cover up to $0.5 million on overseas travel.

The policies offer the following coverage:

• Cover for medical expenses due to sickness and accident while traveling.
• Cover for any dental emergency.
• 50 percent reimbursement per bag and 10 percent of the value per article in the bag in case of the loss of checked baggage.
• Compensation in case of delay in checked in baggage, whilst overseas.
• Compensation for expenses incurred in obtaining a new or duplicate passport in case of the loss of the original one.
• Compensation for expenses occurred due to flight delay.
• Cover against accidental death and permanent disability while travelling abroad.
• Compensation for damages, in the form of property damage, bodily injury or death, to be paid to a third party.
• Distress allowance in case of hijack of the common carrier in which you were travelling.

If the purpose of your travel is to avail medical treatment, the policy will not cover for that specific treatment.

The policy will also not cover for any expenses incurred due to a pre-existing illness, suicide or attempted suicide, terrorism, war and more.

Visit the TATA AIG website to know more of the inclusions and exclusions.

Other Features

• Assistance services towards medical evacuation service, emergency assistance service and repatriation across the world.
• Option to get the annual Multi-Trip policy renewed for life.
• Free Look period of 15 days in case of Annual Multi Trip policy to see whether the policy is befitting their requirements.
• 30 days grace period for the payment of premiums to customers of annual multi trip plans.
• Option of enhancing your sum insured when you are renewing the policy to increase the protection provided by the policy.
• Intimation to the policyholders 3 months in advance of any changes in annual multi trip policies and about the discontinuation of a policy before the policy is due to expire.

Given the wide range of benefits and allowing the policyholder to extend the policy up to a period of 7 days from the expiry date, TATA AIG travel insurance plans is a great choice.

Also check out other best travel insurance policies I’ve reviewed here .

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TATA AIG Annual Multitrip Travel Insurance

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After purchase we will send the policy to your number

International corporate travelers who travel overseas often on work should be properly insured to cover medical expenses in case they fall sick or meet with an accident while outside India. Tata AIG has designed international annual multi trip insurance for businessmen and corporate professionals who are frequent travelers. The TATA AIG Annual Multi-trip insurance allows customers to travel outside India, anywhere in the world, any number of times during the annual coverage period. However each trip period has to be limited to either 30 Days /45 Days /60 Days /90 Days /120 Days /150 Days /180 Days depending on the plan chosen by the customer.

The TATA AIG Annual Multi-trip insurance allows customers to travel outside India, anywhere in the world, any number of times during the annual coverage period. However each trip has to be limited to either 30 Days /45 Days /60 Days /90 Days /120 Days /150 Days /180 Days depending on the plan chosen by the customer.

TATA AIG multitrip travel insurance highlights

USD 50 k / 1 Lac / 2.5 Lac / 5 Lac / 7.5 Lac / 10 Lac

12 years to 80 years

TATA AIG travel insurance renewal while outside India

Indian travelers who want to extend or renew TATA AIG travel insurance can complete the TATA AIG international travel insurance renewal request form online and we will try to get an approval for you.

The following documents are required for extending/renewing the policy:

• Filled & signed Good health declaration
• Passport (first and last page & stamp page of the departure)
• Air ticket copy of onward journey (traveled from India to overseas)

TATA AIG annual multitrip benefits

Sub Limits - The following medical sub limits are applicable for travelers older than 56 years. However these medical sublimits are not applicable for plans ' WITHOUT SUBLIMIT '

• Medical Services provider referral
• Arrangement of hospital admissions
• Lost luggage assistance
• Emergency Travel Services
• Embassy referral services
• Claims procedure information services

Credit card purchase procedure

You can purchase the policy online using a credit card from anywhere in the globe. Most of our customers purchase the policy from the United States,U.K ,Australia,etc.. for parents or family members who are visiting from India. Customers can use international credit cards for purchasing. On completing the application and purchase using a credit card, you will receive an immediate acknowledgement of purchase. Within 24 to 48 hours, the insurance policy will be issued and emailed to the email ID provided in the application. The policy will also be couriered to the Indian address in the application.

Cheque payment purchase

For customers who do not want to use the online facility, payment can be made by cheques. Please email us for details.

Call us at 080-41101026 in India. Our Insurance Advisor will assist you and with our Advisor's guidance, you can choose the level of cover you require. This policy is available to Indian residents only.

Payment options

• Cash Cards - ItZ cash,Pay Cash
• Mobile Payments - Paymate,IMPS,Scan N Pay
• Wallet - Paytm,Mobikwik,Oxigen wallet,Freecharge,Jio Money etc ...
• UPI - Unified Payment Interface

You are not covered if any expenses incurred directly or indirectly in respect of:

• 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.

For other exclusions please refer to the policy wordings .

TATA AIG annual multitrip travel insurance FAQ's

Single-trip insurance covers one short trip, annual multi-trip insurance covers multiple trips with same policy.

The Tata AIG Annual Multi-Trip Insurance covers multiple trips with same policy.This insurance will be cheaper for frequent travelers.

The traveller can travel multi times according with the selected slab duration for each trip.

Yes, there are different day slab/duration available for each trip. Tata AIG offers coverage with trips duration up to 30 Days /45 Days /60 Days /90 Days /120 Days /150 Days /180 Days per trip.

Yes, the traveler can travel to any country according to the destination (Worldwide, Excluding USA & Canada & SGN) , which has been selected.However, certain high-risk countries or regions may not be covered, so it's essential to review the policy terms and conditions.

TATA AIG multitrip travel insurance

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

Travelers already outside India without insurance? We can try to get special approval to buy TATA AIG travel insurance online.

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

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

Download TATA AIG Annual Multitrip insurance brochure online!

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

TATA AIG Citation

Mr. Jaideep Deorukhkar, Head Travel Services at Tata AIG says "NRIOL has been one of our key partners in India for the past 16 years and has been pivotal in providing Tata AIG customers an opportunity to purchase their TATA AIG travel insurance online".

Customers Testimonials

NRIOL customer support staff Thank you very much for your exceptional service so late in the night! I appreciate it very much!!

Quick Service Thanks a lot for the speedy response and sending me the policy pdf. This is very useful and will be helpful for my parent's travel. I really liked the quick customer service and very happy with the response.

Professional service Thank you Customer Team. Nice and professional!! I will proceed with the payment. Have a nice afternoon.

Convenient & Effortless Thanks a lot for making this so convenient and effortless. I really appreciate your efforts towards this. Look forward to doing more business with you in future.

Best service offered by you! Thanks for your email. thanks for your prompt emails. Your service is far better than our earlier insurance service provider.

Prompt Response Thank you very much for your prompt response, as also for resolving my queries over the phone.

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Buy Travel Insurance with Tata AIG

Get travel insurance for peace of mind

Travel insurance offers protection against unexpected disruptions—and associated financial risks—during your domestic or international travel. Be it a medical emergency, loss or delay of checked-in baggage, flight delays, trip cancellations, or similar unforeseen events, travel insurance gives you the freedom to enjoy your trip worry-free.

A medical emergency during your trip, for example, can be costly. With proper travel insurance, you have no reason to worry about ballooning expenses and can take on the challenges as they come your way.

Tata AIG Travel Insurance to the Rescue

Safety is a priority when travelling. Get yourself insured with Tata AIG travel insurance and safeguard your journey in advance.

Top features of Tata AIG Travel Insurance

Depending on your policy, Tata AIG travel insurance has the following features: 

Round-the-clock assistance

Hassle-free claim procedure

Medical coverage

Passport loss

Travel disruptions

Baggage issues 

Theft (Limited to loss of cash)

Who can buy travel insurance?

You can purchase the Tata AIG travel insurance if you’re an Indian resident and your journey originates from India. Insurance can be purchased for both domestic and international travel.

How it works?

You can buy Tata AIG travel insurance as an add-on service when you book your flight tickets. If you have already made a booking and would like to purchase insurance, please go to  Manage Booking .

Travel Insurance FAQ

Eligibility and benefits.

Find out whether you’re eligible for travel insurance before purchasing it.

Coverage and medical treatment

Find out the types of medical treatment you’re eligible for with TATA AIG travel insurance.

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Compare coverage levels and pricing on our most popular plans with our product comparison tool—and find a Travel Guard plan that’s right for you. 

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Our top-of-the-line, comprehensive travel coverage that sets the standard.

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A comprehensive travel plan with superb coverage and service from start to finish.

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Savvy coverage for the budget-minded traveler.

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Year-round coverage for your travel investments.

Millions of travelers each year trust AIG's Travel Guard to cover their vacations

Travel insurance plans provide coverage for certain costs and losses associated with traveling. Travel Guard ® helps you navigate canceled flights, lost bags, sudden health emergencies, and much more—almost anywhere in the world. Whether you’re planning a two-day getaway, a cruise, an adventure vacation, or a month-long international holiday, our plans help cover travelers and their trip inverstments.

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Coverage available to residents of U.S. states and the District of Columbia only. These plans provide insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of each policy with your existing life, health, home, and automobile insurance policies, as well as any other coverage which you may already have or is available to you, including through other insurers, as a member of an organization, or through your credit card program(s). If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc .(Travel Guard). California lic. no. 0B93606, 3300 Business Park Drive, Stevens Point, WI 54482,  www.travelguard.com.  CA DOI toll free number: 800-927-HELP.

This is only a brief description of the coverage(s) available. The policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Ave of the Americas, Floor 41, New York, NY, 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.

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• Single and Multi trip TATA AIG travel insurance

Travelling abroad will be safer and more secure when you have proper insurance coverage. Overseas travel insurance for Indians designed by TATA AIG is one of the best insurance coverage to get financial assistance during medical emergency abroad. The coverage details of TATA AIG travel insurance are below. Refer and choose the plan that can best suit your requirements.

• Silver Plan – US$50,000 Maximum Benefit
• Silver Plus Plan – US$ 100,000 Maximum Benefit
• Gold Plan – US$250,000 Maximum Benefit
• Platinum Plan – US$500,000 Maximum Benefit

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Travel insurers links

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• Maximum sum assured up to $500,000
• Coverage for Accidental death and dismemberment up to $5,000
• Emergency medical evacuation is covered up to policy maximum.
• Hospital room and board coverage of maximum $1,500 per day up to 30 days whichever is less.
• Up to $10,000 is offered for surgical treatment.
• Gold Plan - $250,000
• Platinum Plan - $500,000
• Covers for multiple trips annually with maximum benefit up to $500,000
• Covers for accidental death and dismemberment up to $25,000
• Automatic extension of the policy up to a period of 7 days from the policy expiry date.
• Coverage for repatriation of remains and medical evacuation up to policy maximum.
• Personal liability coverage up to $200,000

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How to buy online.

You can buy insurance online by using a credit/debit card, UPI, 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 travel medical insurance after approval.

Online Renewal

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

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Annual Or Single Trip Insurance

• TATA AIG Team
• Last Updated On :

The excitement that fills your heart when leaving for a trip is one of a kind. But sometimes, you may encounter an unfortunate event that may spoil your trip. This can be a medical emergency, an unexpected lockdown, a natural disaster, etc., leading to delays or cancellations. This is why a travel insurance policy is a must-buy before you plan to travel domestically or internationally.

Travel insurance provides a cushion against any unfortunate event on your trip. It also offers financial coverage for the following:

• Trip cancellation or delays
• Lost passport, luggage, cash, or other documents
• Hospitalisation expenses in case of accident or medical emergency
• Home burglary
• Dental emergency
• Personal liability
• Evacuations
• 24/7 assistance

Some of the items not covered under a travel insurance plan include high-risk activities, such as bungee jumping, rock climbing, accidents under the influence of illegal drugs, etc.

What is the Difference Between a Single Trip and Annual Travel Insurance?

Single-trip and multi-trip travel insurance are the two most common travel insurance policies available in the market. Understanding their differences can help you select the right one.

• Single Trip Travel Insurance

If you are not a frequent traveller, then single trip travel insurance can be the ideal choice. Single trip travel insurance covers financial losses for both international and domestic trips. The plan offers coverage for upto 180 days beginning from the time you leave for the trip. But, the number of days covered may depend on the insurance provider. The coverage period in a single trip policy ends when you return to the country or your hometown.

• Multi-trip Travel Insurance

It might be costly to buy a travel insurance plan every time you leave for a trip. You can consider buying a multi-trip travel insurance plan to save time and money. Travel insurance for multiple countries is designed for international travellers who travel often. The travel policy offers coverage for 365 days. The insurance plan covers you for any number of visits you make in a year. The coverage for a single trip under annual travel insurance is offered for 30 or 45 days. So, the plan may not be applicable if you wish to stay for more than 180 days in a single place.

An annual travel insurance policy is suitable for people who travel for business purposes and do not stay for long in one place. Instead of doing paperwork and research about travel plans every time, it can be better to pick an annual multi-trip travel insurance plan that lasts throughout the year.

Here is a quick list of differences between single trip and annual trip insurance plans:

Annual or Single Trip Insurance: What to Choose?

Now that you know the features of a single trip and a multi-trip travel insurance plan, you can consider buying either of the two based on your needs and frequency of travelling. Here are some points to remember while choosing a travel insurance plan for yourself:

• How many trips do you plan in a year?

One of the essential things to consider is the number of trips lined up in a particular year. So, if you know you need to travel multiple times in a year, choose multi-trip travel insurance. But if you plan to travel only once, then go for a single trip insurance plan.

• For how long will you stay?

If you wish to stay for more than 180 days, a single trip plan may not be the ideal choice. For trips of more than six months, you should consider buying a suitable annual insurance plan that will cover you for more than 180 days at a single destination.

• What is the cost of each plan?

Whether you have a single trip or a multi-trip lined up in a year, you need to analyse the costs of all plans and move ahead accordingly. If you have planned multiple short trips, you must calculate the cost of single trip plans for each trip. Then, compare their cost with a multi-trip or annual travel insurance plan. The premiums for an annual plan are usually higher than a single trip plan. So, go with the cost-effective plan.

Choosing the right travel insurance policy is essential to face uncertain events without financial losses. Sometimes trips are planned spontaneously, and you might not get time to buy a travel insurance policy. But most of the time, the travelling schedules are pre-planned. So, prepare yourself for any risks and make your journey safe and smooth with a travel insurance policy. Analyse multiple factors of your trip and buy a plan that suits your needs. Also, ensure you compare travel insurance plans online and choose the most economical one.

Tata AIG provides a range of travel insurance plans with multiple coverage options. With single trip insurance or a multiple trip plan, you can opt for features such as comprehensive coverage, personal liability coverage, compensation for dental costs, etc. You can also buy a family travel insurance plan if you are planning a trip with your loved ones. Moreover, with an easy travel insurance claim process, Tata AIG provides customised travel plans for senior citizens and students, too. So, make sure to buy a suitable travel insurance plan before you pack your bags and head to your next travel destination.

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Two wheeler insurance, travel insurance, health insurance.

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Disclaimer / TnC

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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