Does the policy cover the USA and Canada?

Geographic options include worldwide cover including the USA and Canada, worldwide excluding those countries, and Schengen-specific scope. Choose the option matching your destination.

Is emergency medical evacuation included?

Emergency medical evacuation is listed as a benefit, subject to the selected plan limit and policy conditions.

Does it cover baggage loss or delay?

Baggage loss and selected baggage-delay benefits are available depending on the chosen option and add-ons. Limits and conditions apply.

Are flight delays and trip cancellations covered?

Selected options or add-ons may provide benefits for specified flight disruptions, cancellations or trip interruptions. Check the current benefit schedule for covered reasons and limits.

Can pre-existing diseases be covered?

Do not assume all pre-existing conditions are covered. The policy wording defines exclusions and any specific exceptions, limits or conditions that may apply.

What is the minimum entry age?

The product comparison lists single-trip entry from 3 months for applicable options. Eligibility varies by plan, so check the current policy details.

Can I add extra benefits?

TATA AIG lists add-ons for enhanced coverage on selected travel products. Only benefits selected and recorded on the issued policy schedule apply.

What should I compare before buying?

Compare geographic scope, per-incident medical limit, deductibles, pre-existing condition provisions, baggage limits, trip disruption benefits and exclusions.

Where can I read the policy wording?

Use TATA AIG’s official downloads page to find the International Plus prospectus, policy wording and add-on documents for the relevant UIN.

International Plus Travel Insurance: Benefits & Coverage

Q: Does it provide unlimited medical cover?

The published comparison describes unlimited overall medical sum insured subject to a per-incident or per-loss limit. That limit varies by plan and must be checked before purchase.

International Plus Overview

International Plus is TATA AIG’s enhanced international travel insurance product. It offers several plan options, including Silver, Silver Plus, Gold, Platinum and Titanium variants, with eligibility and availability depending on the policy selected. Benefits can include medical expenses for injury and illness, emergency medical evacuation, repatriation of mortal remains, accidental death and disablement, emergency dental expenses, baggage-related benefits and selected travel disruption covers. Geographic options include Schengen, worldwide excluding the USA and Canada, and worldwide including the USA and Canada. Benefit limits, deductibles, sublimits and add-on availability vary by plan. Refer to the current policy schedule and wording before purchasing.

Multiple plan tiers with medical cover and optional protection for baggage, travel delays and trip disruption

Expert Review of International Plus

The key differentiator is the range of available medical limits and enhanced benefits. TATA AIG’s published comparison lists unlimited overall medical sum insured subject to a per-incident or per-loss limit, which varies by plan. The comparison shows per-incident limits ranging from US$100,000 to US$1,000,000 across the available variants. Emergency medical evacuation and repatriation are listed benefits. Other benefits may include emergency dental treatment, accidental death and disablement, baggage loss or delay, trip cancellation, flight disruption and hotel-booking inconvenience. Certain benefits are available only on specified options or through add-ons. Travellers should compare the geographic scope, per-incident medical limit, pre-existing condition provisions, deductibles and exclusions rather than relying on the phrase unlimited cover alone.

Pros

Multiple plan tiers allow comparison of different medical limits.
Geographic options include worldwide cover with or without the USA and Canada, subject to eligibility.
Emergency medical evacuation and repatriation are listed benefits.
Selected variants provide baggage and travel disruption benefits.
Optional enhancements are available for certain additional travel needs.

Cons

Premiums and benefits vary substantially by age, destination and plan option.
Unlimited medical sum insured remains subject to per-incident or per-loss limits.
Some benefits are available only through specified options or add-ons.
Deductibles, sublimits and documentation requirements may affect claims.
Pre-existing conditions and other exclusions need careful review before purchase.

About Tata AIG (Insurer Profile)

Tata AIG

Key Insights

Founded

2001

Tata AIG was established 25 years ago and has built strong credibility over time, backed by its long-standing presence in the market.

Claims Experience

98.2% CSR, calculated as a 3-year average

Tata AIG settles 98.2% of all claims it receives, demonstrating strong credibility.

Contact Details

1800-266-7780

Headquarters: Peninsula Business Park, Tower A, 15th Floor, G.K. Marg, Lower Parel, Mumbai – 400 013, Maharashtra, India

International Plus Features and Benefits

Medical Expenses for Injury and Illness

Reimburses eligible medical expenses arising from covered injury or illness during an insured international trip.

Published per-incident or per-loss limits vary by plan. Deductibles, sublimits and policy conditions apply.

Emergency Medical Evacuation

Covers eligible emergency transportation when medically necessary under the policy.

Subject to medical necessity, the applicable benefit limit and policy conditions.

Repatriation of Mortal Remains

Provides eligible expenses for repatriation of mortal remains following a covered death during the insured trip.

The payable amount and conditions depend on the policy schedule.

Accidental Death and Disablement

Provides the scheduled benefit for covered accidental death or specified disablement during the trip.

Benefit limits vary by the selected plan option.

Emergency Medical Dental Expenses

Reimburses eligible emergency dental treatment when covered under the selected plan.

The published Platinum Plan A schedule lists a US$1,000 benefit with a US$50 deductible; other options may differ.

Baggage Loss

Provides reimbursement for eligible loss of checked baggage subject to the applicable plan limit.

Limits, exclusions, depreciation and per-item restrictions apply.

Baggage Delay

Provides a scheduled benefit for eligible checked-baggage delays on options that include the cover.

Availability, delay thresholds and benefit amounts vary by option or add-on.

Trip Cancellation and Interruption

May reimburse eligible non-refundable travel costs for specified covered reasons.

Available limits and covered reasons depend on the selected plan and any applicable add-on.

Add-ons of International Plus

Enhanced Baggage Delay Cover

Optional enhanced baggage-delay benefits may be available with different benefit amounts or delay thresholds.

Check the current add-on schedule for availability, waiting duration, limit and premium.

Enhanced Travel Protection

Optional enhancements may be available for selected travel disruptions or additional travel needs.

Only benefits specifically selected and shown on the issued policy schedule are covered.

What International Plus Does Not Cover (Exclusions)

Conditions or treatments that the policy clearly says it will not cover.

Pre-existing conditions except where specifically covered under the applicable policy terms.
Travel undertaken against medical advice or primarily to obtain medical treatment, where excluded.
Self-inflicted injuries, suicide or attempted suicide, subject to policy wording.
Injuries or losses related to intoxication or drug use where excluded by the policy.
War, hostilities and similar events to the extent excluded by the policy wording.
Adventure sports or hazardous activities unless specifically covered by the policy or an applicable add-on.
Pregnancy, childbirth and related expenses where excluded by the policy wording.
Baggage losses involving excluded items, unattended property or circumstances excluded by the wording.
Trip cancellation or interruption for reasons not listed as covered events.
Any other expense, event or circumstance expressly excluded under the issued policy.

Disclaimer: For illustration purposes only - exact terms are in the policy wording.

International Plus FAQs

What is International Plus Travel Insurance?

It is an international travel insurance product with multiple plan options and benefits that can include medical expenses, emergency evacuation, baggage protection and selected travel disruption covers.

What is the premium for International Plus?

The premium depends on the traveller, destination, trip duration, geographic scope and selected plan. Obtain a current quote from TATA AIG for the applicable premium.

Which plan options are available?

The published comparison lists Silver, Silver Plus, Gold, Platinum and Titanium variants, including some sub-options. Availability depends on the current product offering.