A regular international trip with sightseeing is reserved for the families. Most of the wanderlusts and travel junkies like better to continue adventure trips – hiking, mountaineers, bungee jumping or river rafting, push their limits and add some excitement to the mundane lives. However, while choosing for Travel insurance for international trip, you would like to see if the journey activities are covered in your Travel insurance plan.
There are two types of travel insurance…
- International travel insurance (Covid-19 Covered*)
- Domestic Travel insurance
We will Cover Only TRAVEL INSURANCE FOR INTERNATIONAL TRIP in this blog——-
TATA AIG TRAVEL INSURANCE FOR INTERNATIONAL TRIP
Let’s get you started on your overseas travel insurance journey!
What does travel mean to you? An opportunity from routine life? Perhaps it’s the last word sort of learning and broadening of perspectives? or even it’s the promise of adventure with a rush of adrenaline? Either way, #wanderlust, you’ll agree, is quite just a trend. It’s how of life.
When you spend weeks planning your itinerary, packing your bag, and daydreaming of all the items you propose to try to to on your trip, you don’t want inconveniences like loss of luggage , Passport loss, Medical Expenses, evacuation or delayed flights to ruin your perfect vacation. We at Tata AIG lookout of all this so you’ll enjoy your trip.
*Tata AIG offers coverage for medical expenses associated with COVID – 19 when the insured is outside India. Policy T&C apply
ADVANTAGES OF TATA AIG TRAVEL INSURANCE FOR INTERNATIONAL TRIP
At Tata AIG, tata AIG believecatering to the precise needs of his customers, ensuring that your journey is peaceful, safe and stress-free. A travel policy from Tata AIG comes with many USPs that provide a foothold over the competition. Here are a number of them:
- 24/7 assistance-: Call TATA AIG representatives any time of the day, for assistance on any emergency during the trip.
- Local assistance in a foreign land-: Getting sick or losing your belongings in a foreign land can be scary – but not with TATA AIG by your side. You can Call Helpline number 1800 266 7780 no matter where are you are in the world, to get assistance.
- Upto 500000 dollars covered-: With comprehensive plans that are designed to suit your travel requirements and budget, choose the right plan to suit your needs!
- Multi Trip Policy-: If you’re an avid traveler or a businessman who has to make multiple trips internationally, opt for the multi-trip policy which offers affordable coverage for an entire year, with each single trip covered for 30 or 45 days.
What’s Covered In Tata AIG Travel insurance for international trip?
Journey Covers
Here’s what which will fail during your journey, and the way we’ve you covered:
Trip Curtailment: Any loss of travel and or accommodation expenses paid beforehand by or forfeited by insured after the commencement of the trip Non-refundable unused portion of travel or accommodation costs or additional accommodation and / or travel expenses (excluding telephone costs, meals and beverages)
Trip Cancellation: If your trip has been cancelled thanks to Sickness, Injury or death to: insured; insured’s Travelling Companion; insured’s Immediate loved one ; or insured’s Travelling Companion‘s Immediate Family Member, before the contracted departure date TATA AIG buy the loss of deposit up to the utmost as stated within the policy.
Missed connection/departure: TATA AIG reimburse reasonable additional expenses thanks to a missed connection or a missed departure caused by your airline carrier on your return journey that’s caused thanks to inclement weather/strike by employees of common carrier/equipment failure
Bounced Hotel or Airline Booking: Benefit payable thanks to non-availability of accommodation on account of over booking by the hotels or airlines, the insured should have reconfirmed the booking beforehand and will have written proof of an equivalent .
Loss of passport: just in case your passport is stolen or misplaced, assisting the insured by contacting appropriate authorities and supply directions for replacement
Home burglary: Loss and Damage caused by burglary or attempted burglary to the contents of the house. No benefit is payable if the home is unoccupied for quite 90 days
Hijack: Distress allowance if insured’s carrier has been hijacked
Trip delay: Coverage for extra expenses if insured trip is delayed for quite 12 hours thanks to inclement weather, strike with carrier or breakdown of the carrier
Personal liability: Covers damages for claims legally filed on insured against property damage and medical expenses to others as a results of bodily injury caused by insured in an accident
Fraudulent charges: If payment card as laid out in the schedule is lost or stolen, we’ll reimburse the unauthorised charges up to 12 / hours before the primary reporting the event to the payment card issuer(s).
Automatic extension of policy up to 7 days: Automatic extension of the amount of insurance is granted up to a period of seven days, from the policy expiry date, if the extension is important , thanks to delay by the Scheduled Airlines, which is beyond the control of the Insured, and no alternative air transport is formed available to the Insured.
Medical Covers
Here’s what can fail together with your health while travelling, and the way we’ve you covered:
Accident & Sickness Medical Expenses: Medical expenses are reimbursed subject to the deductibles and up to a maximum amount per disease / illness / injury sum insured, as mentioned within the Policy Schedule or the Schedule of advantages . Emergency medical evacuation: When, within the opinion of the help Company’s medical panel, it’s judged medically appropriate to maneuver You to a different location for better treatment or return You to India, the help Company will arrange the evacuation.
Sickness Dental Expenses-: If the insurer requires immediate dental treatment during his insured journey, Tata AIG can pay reasonable and customary charges for such treatment subject to the deductibles shown within the Policy Schedule.
Dental benefits will include teeth filling or surgery , services or supplies subject to per tooth and per occurrence up to the utmost amounts as shown within the Policy Schedule.
Dental benefits shall be limited to treatment sustained to sound natural teeth.
Covered emergency dental expenses’ ask the dental expenses incurred during the insured journey and within 30 days of the primary treatment.
Accidental Death And Dismemberment-: If the insured is injured during an insured journey and therefore the accident results in disablement, Tata AIG can pay a percentage of the principal insured as shown within the Policy Schedule.
The loss must occur within three hundred and sixty five days from the date of the accident which caused injury.
If quite one loss results from anybody Accident, just one amount, the most important, are going to be paid.
Repatriation expenses:* just in case of insured’s person’s demise, necessary arrangements are made to hold his remains to India. The date of demise should be within the contract dates of the policy as mentioned within the Service Agreement.
Comprehensive
What’s not Covered In TATA AIG travel insurance for international trip?
Baggage exclusions-:Here are some situations during which lost or delayed baggage won’t be covered:
Shipped baggage: If baggage that you simply simply had sent beforehand has been misplaced or if there’s a loss of souvenirs or articles that you mailed or shipped directly, we can’t cover that.
Baggage delay in India: just in case your baggage is delayed while you’re in India, while leaving for your trip or while returning, that won’t be covered.
Electronics and money: If you lose electronic items like phones, camcorders, laptops, hearing aids, etc. or money, credit cards, debit cards, traveller’s cheques, and other securities, we’ll be unable to hide them.
Journey Exclusions-:
Here are some situations that we cannot cover you for during your journey:
Breach of law just in case you lose your passport thanks to delay or from confiscation or detention by customs, police, or other authority, we’ll not be ready to assist you in such a situation.
Failure to report theft If you fail to report and acquire a politician report for the theft of your passport from the acceptable police authority within 24 hours of realising that it’s missing, we can’t cover loss of passport.
Civil war and unrest Any loss arising thanks to war, civil war, invasion, revolution, insurrection, rebellion, mutiny, an act of a far off enemy, hostilities, or use of military power in usurping a government won’t be covered.
Nuclear reaction Any damage or loss associated with natural process , radiation, radioactive contamination, or the dispersal or application of pathogenic or poisonous biological/chemical materials won’t be covered.
Aircraft operations Any damage or loss arising from the insured operating or learning to work any aircraft or performing duties as a member of the crew on any aircraft won’t be covered.
Medical exclusions-:
Here are some situations during which we cannot cover your medical expenses:
Travelling against the doctor’s orders If you travel against your doctor’s advice, we’ll not be ready to cover you for any medical emergencies that arise.
Pre-existing conditions Treatment required for a pre-existing condition or any complication arising from them won’t be covered.
Army service any injuries suffered while serving within the soldiers of any country aren’t covered.
Adventure sports Injuries sustained while indulging in adventure sports like skydiving, skin diving, hiking, etc. aren’t covered.
Self-inflicted injuries and STDs within the event of suicide, self-inflicted injury, sexually transmitted diseases, mental or nervous disorders, and HIV/AIDS, your medical expenses won’t be covered.
Consumption of drugs Treatment for injuries sustained under the influence of alcohol or other intoxicants or hallucinogens (except when prescribed by a physician) isn’t covered.
Get Your International Travel Insurance today From TATA AIG with Covid-19 Cover
Q and A
What is the free-look period in Travel insurance for international trip?
The ‘free-look’ period in travel insurance implies that the customer gets a specified number of days to review the terms and conditions of the plan. Tata AIG Travel Insurance plans accompany a free-look period of 15 days for the multi-trip policy. However, the single-trip policy doesn’t accompany a free-look period.
What is evacuation and reparation coverage?
Evacuation and reparation coverage under travel insurance extends the facilities for medevac within the event of a medical emergency. It comes with facilities like medically equipped return flights and therefore the reparation of mortal remains back to the family within the event of death.
My trip got cancelled for personal reasons, but I had already bought travel insurance. Can I get a refund?
Yes, you’ll cancel your travel policy at any time for whatever reason before the policy start date. A cancellation charge of Rs 200 is going to be deducted, and therefore the remaining amount are going to be refunded to you.
Is there an age limit for getting a Travel insurance for international trip policy?
Yes, there is. The minimum age for an insured person is 6 months, and the maximum age is 70 years.
Is travel insurance mandatory for international trips?
Travel insurance isn’t mandatory for all international travel. However, right now, there are about 34 countries (including Schengen countries) that have made it mandatory to possess a travel policy.
What is the difference between single-trip travel insurance and annual multi-trip travel insurance? Which one should I take?
Single-trip travel insurance covers just one international or domestic trip. You’ll visit multiple countries, but it’ll still be considered one trip and can expire once you come back home. Annual multi-trip insurance is bought on a yearly basis and covers all the trips you undertake during that period of 360 days. If you travel frequently, for business or otherwise, annual multi-trip insurance is best . On the opposite hand, if you and your family continue only one trip a year, say during the summer holidays, single-trip insurance is preferable.
Conclusion and What to see for in your Travel Insurance Plans?
It is essential to see the terms and conditions of your travel policy generally, and adventure activities especially. Most folks specialize in the premium and therefore the coverage, without paying heed to the fine print, and checking what all does it include. If you’re specifically getting to attempt adventure activities, ask your insurance provider if they cover the journey activities within the policy, if yes, which all activities they cover.
Often, insurance companies can deny claims in certain situations or accidents during adventure activities calling it hazardous. This might vary from company to company. Hence, it’s important to travel through the policy and it exclusions intimately.
Claim for Adventure Activities
Travelling only for adventure activities is becoming a trend among avid travellers. Hence, many companies have started including adventure activities in their travel insurance. It means they’re going to catch up on the damage just in case of mishap during adventure activities. However, the inclusion of adventure activities varies consistent with the insurance provider. Also, tons depend on the severity or seriousness of the damage.
Travelling to Cape Town for bungee jumping or skydiving in New Zealand may sound exotic. However, adventure travellers might want to crosscheck the facts with their insurance provider if they supply the coverage for an equivalent. Most insurance doesn’t cover adventure activities like bungee jumping, paragliding, hiking, racing etc., while others cover it as an add-on for international trips. Therefore, you would like to choose policies that specifically cater to adventure travel.
Only a couple of insurance companies cover adventure activities. However, they are doing this at a comparatively higher premium, depending upon the activities that you simply wish to aim. Most insurers don’t cover adventure travel if your itinerary includes high-risk activities which could put your life in peril.
Since there are limited options available in India, you’ll even choose insurance covers available abroad. Hence, while taking a world holiday, you’ll consider and compare the alternatives there. For this, you’ll take a cue from the sports organisation you’ll have enrolled at. At an equivalent time, if you’re getting to try just one quite adventure sport, a standalone cover would suffice.
So, if you’re getting to take an adventure holiday soon, undergo the terms and conditions of the insurance policies here and abroad, and pick the simplest one for you. You’ll clear all of your queries involving claims.
