AIG Travel Insurance – AIG Travel Guard

Secure Your Travels with AIG Travel Insurance – AIG Travel Guard – AIG (American International Group UK Limited) – AIG Travel is the largest travel insurance provider in the United States, protecting more than 6 million travelers every year. It provides some of the broadest coverage in the travel insurance industry. They review claims within 24-hours of receipt.

American International Group, Inc. (AIG) has been providing property casualty insurance, personal lines insurance, business travel and accident solutions, and other financial services for decades. We take pride in delivering an exceptional level of service to the individuals, families and organisations who trust us to help them manage their risks and recover losses when the unexpected occurs. 

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With offices throughout the country and around the world, we ensure the impact we make is positive for the customers and communities we serve – powered by innovation and inspired by our values.

About AIG in the UK

Individuals, families and companies of all sizes in the UK trust AIG for our exceptional service and multinational expertise. We offer partnership with transparency at every step of the insurance process – with an expert claims team located across the world, so each client gets the help they need when and where they need it.

Travel Insurance

Travel insurance safeguards your entire journey by protecting you against major financial losses during foreign and domestic trips, offering coverage for sudden medical & trip-related emergencies. Travel Insurance offers multiple benefits like cashless hospitalisations*, loss or delay of checked-in baggage, flight delays, passport loss/theft, trip cancellations and more. Travel insurance is the assurance that your journey will be protected and insured from possible risks that may come unexpectedly on unknown lands. Depending on where you’re going, the purpose of your visit and how often you travel, you can select a travel insurance policy that best suits your needs.

What is Travel Insurance?

A travel insurance plan helps to cover financial emergencies during your trip. These financial emergencies are costs that arise from circumstances out of your control. For example, if you require urgent medical attention, hospitalisation due to an accident, or your flight is delayed or you lose your luggage, travel insurance would cover these expenses.

This financial coverage will be available for your entire trip, even if you’re travelling to multiple countries. You can also customize the extent of your coverage under your travel insurance policy based on your destination and trip purpose. Here are the expenses that travel insurance plans offer coverage for:

• Medical Emergencies/Hospitalisation expenses abroad
• Personal liability and legal fees
• Baggage loss, delay and theft
• Medical evacuation and repatriation
• Non-refundable paid fees from trip delays and cancellations
• Loss or theft of passport and other travel documents
• Aircraft hijacking
• Emergency cash advance for theft or loss of credit cards and cheques
• Cover for adventure sports*
• Loss or theft of portable electronic items*
• Cover for missed cruise*

Many countries actually require travellers to buy travel insurance to be eligible for their visa application processes. In other words, you can’t visit these countries unless you have both a valid visa and travel insurance from India.

AIG Travel Guard Plans

• Deluxe Plan
• Preferred Plan
• Essential Plan
• Pack N’ Go plan

TATA AIG Travel Insurance Key Features

TATA AIG Key Features	Description
Quick Policy Purchase	With our On-the-Spot Travel Insurance feature, you can get a 360 coverage TATA AIG travel insurance plan for you and your loved ones instantly.
Wide Coverage	We offer coverage in over 190 destinations^, ensuring that you are covered from unprecedented circumstances all over the world.
Higher Sum Insured	We offer higher coverage of up to $10,00,000# to ensure that you are adequately covered for all types of travel emergencies.
Visa-Compliant International Plans	Our international travel insurance plans are carefully curated to meet visa requirements.
No Medical Test Required	You are not required to submit for a medical test before buying our travel insurance plans.

Types of Travel Insurance Plans

International Travel Insurance

An international travel insurance plan covers overseas trips. It’s also called overseas travel insurance or foreign travel insurance. You get coverage for personal liability, medical emergencies, flight delays and cancellations, baggage loss and loss of passport.

Domestic Travel Insurance

A domestic travel insurance plan covers trips taken within geographical scope of India. You receive coverage for personal liability, medical emergencies, baggage loss etc. You can also choose to include the family members you’re travelling with under this plan.

Student Travel Insurance

A student travel insurance plan is specifically designed for students between the ages of 16 and 35 travelling overseas for higher education. On top of basic travel insurance coverage, it offers unique benefits like study interruption and sponsor protection, where unused tuition is reimbursed if you are not able to continue your studies or in the event of your sponsor’s death or disablement.

Senior Citizen Travel Insurance

Specifically made for travellers over the age of 71 with coverage up to $10,00,000(Travel Guard Plus)for travel-related emergencies unique to them. Senior citizen travel insurance covers emergency medical costs overseas, baggage loss or delay, repatriation of mortal remains, medical evacuation, etc. These plans can be more expensive, especially if you have a pre-existing disease.

Single-Trip Travel Insurance

A single-trip travel insurance plan covers a single trip and the maximum number of days that will be insured during one trip will be 360 days, with coverage up to $10,00,000(Travel Guard Plus). Since this policy is only valid for a single trip, the coverage will lapse when you return to India.Know More

Multi-Trip Travel Insurance

An annual multi-trip travel insurance plan offers travel insurance coverage for multiple trips taken within a year across the globe. You can get coverage for up to 150 days per trip. This type of travel insurance is ideal for frequent travellers and is often cheaper than buying a new travel insurance plan every time you need to travel.

Visa Compliant Schengen Travel Insurance

This is a specific type of travel medical insurance plan that is required when travelling to any of the 29 Schengen region countries. It offers medical coverage up to $10,00,000(Travel Guard Plus) along with coverage for other travel-related emergencies. All Indian travellers planning to visit Europe must buy visa-compliant Schengen travel insurance before applying for a Schengen visa.

What’s Not Covered By TATA AIG’s Travel Insurance Plan?

Even while we would prefer to cover all conceivable risks, many circumstances are simply not practical. We prefer total openness with our consumers. So here is what our travel insurance plans don’t cover:

Medical Exclusions

• Any medical expenses while travelling against the advice of your doctor
• Medical costs for or related to cosmetic or plastic surgery
• Injuries obtained while under the influence of alcohol or drugs
• Self-inflicted injuries or suicide attempts
• Any pre-existing disease or complications arising out of them unless it is life-threatening.
• Alternative treatments like Ayurveda, Homeopathy or Naturopathy
• Treatment costs for STDs or STIs
• Injuries sustained while participating in a dangerous activity not explicitly covered by your policy

Journey Exclusions

• Claims arising out of the insured person operating or learning to operate an aircraft or if the insured person is a member of a crew on any aircraft
• Claims for hospitalisation, death or disablement caused by a breach of law or felony by the insured person
• Loss from acts of war, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power and detainment of all kinds.
• Loss from ionising radiation, radioactive waste, nuclear weapons and chemical or biological terrorism
• Overstaying in the country longer than your visa allows.

Baggage Exclusions

• Loss of belongings like baggage loss or passport loss due to negligence on the policyholder’s part.
• Delay or failure to report the loss or theft to the relevant authorities.

General Exclusions

This entire Policy does not provide benefits for any loss resulting in whole or in part from, or expenses incurred, directly or indirectly in respect of:

• Where the Insured Person is travelling against the advice of a Physician/Medical Practitioner or receiving or on a waiting list for receiving specified medical treatment or is travelling for the purpose of obtaining treatment or has received a terminal prognosis for a medical condition;
• Any Pre-Existing Disease (PED) or any complication arising from it unless in case of Life-Threatening Condition.
• Any claim of the Insured Person arising from:

1. Suicide or attempted suicide
2. Willful self-inflicted Illness or Injury except Injury in self defence or to save life;

• Any claim arising from Adventure Sports, unless expressly covered under any particular Benefit;
• Any claim of the Insured Person arising from sexually transmitted conditions;
• Any claim for death, disablement (whether of a permanent nature or of a temporary nature), Hospitalisation of the Insured Person arising or resulting from the Insured Person committing any breach of law with criminal intent;
• The Insured Person whilst being under the influence of intoxicating liquor or drugs or other intoxicants, suffers Injury / Accident, except where the Insured Person is not directly responsible for the Injury / Accident though under influence of intoxication;
• Where the Insured Person is operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft or the Scheduled Airline;
• Any claim for death or disablement (whether of a permanent nature or of a temporary nature) or Hospitalisation of the Insured Person, due to war (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds;
• Any claim resulting or arising from or any consequential loss caused by or contributed to or arising from:

1. Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or from any nuclear waste from combustion (including any self-sustaining process of nuclear fission) of nuclear fuel.
2. Nuclear weapon material.
3. The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
4. Nuclear, chemical and biological terrorism;

• Performance of manual work for employment or any other potentially dangerous occupation;
• Congenital Anomalies or any complications or conditions arising therefrom;
• Osteoporosis (porosity and brittleness of the bones due to loss of protein form the bones matrix) or pathological fracture (any fracture in an area where Pre-Existing Disease (PED) has caused the weakening of the bone), if osteoporosis or pathological fracture diagnosed prior to the Policy Period, unless arising out of an Injury;
• Any claim due to the pregnancy of the Insured Person including resulting childbirth, miscarriage, abortion or complication of any of these except complications in pregnancy due to Accident of the Insured Person during the Insured Journey;
• Any loss arising out of the Insured Person’s actual or attempted commission of or willful participation in an illegal act or any violation or attempted violation of the law;
• Liability arising out of the Insured Person’s engagement in any criminal or illegal act;
• Any claim incurred outside the territorial limits of the Geographical Scope or the Insured Journey that are mentioned in the Policy Schedule;
• Any non-Medical Expenses (list enclosed -Annexure I);
• Individuals travelling on immigrant visa beyond 120 Days.

Other Exclusions

Claims for pregnancy or adventure sports-related injuries, unless covered by an add-on

Any claims arising outside of the territorial limits or the geographical scope or the insured journey

Individuals travelling on immigrant visa beyond 120 Days

How to Apply for AIG Travel Insurance

To apply for AIG Travel Insurance
You can visit the AIG Travel Guard website CLICK HERE
There, you can select a travel insurance plan that suits your needs, fill out the application form, and pay the premium online.
Make sure to compare different coverage options, such as medical coverage, trip cancellation, and lost baggage protection, before finalizing your purchase.
It’s important to review terms and conditions and ensure you choose the right coverage for your travel plans.