verified_user IRDAI Regulated Plans
TATA AIG Travel Insurance for Parents and Senior Citizens
Planning an international trip for your parents or senior family members? Their health and safety abroad should always be a top priority. TATA AIG Parents Visitors Insurance is specially designed for elderly travellers visiting children, relatives, or exploring the world on their own. The plan offers comprehensive coverage for medical emergencies, accidents, hospitalization, trip disruptions, and life-threatening situations arising from pre-existing conditions.
public Worldwide Annual Travel Protection
medical_servicesEmergency Medical Coverage
event_available Multiple Trips Covered For 1 Year
₹1,466
30 days cost*
IRDAI
Licensed Partner
10K+
Trusted Travelers
TATA AIG - Travel Insurance for Parents and Senior Citizens
Now at 0% GST
Features
TATA AIG Parents Travel Insurance Features
- Available upto 99 years of age
- Option of coverage without any sub-limits
- Pre-existing condition coverage under life threatening situation.
Why Choose?
Why Buy Tata AIG Travel Insurance for Parents?
- No upper age limit for senior citizen plans Parents above 70 years can avail of the Senior Citizen plan, which has no upper age restriction, making it accessible for any elderly traveler.
- Coverage for pre-existing conditions under life-threatening situations The policy provides limited coverage for pre-existing conditions in life-threatening situations, reimbursing acute pain relief treatment up to a specified limit.
- Emergency Medical Evacuation and Repatriation: Coverage includes medical evacuation to the nearest appropriate facility and repatriation of mortal remains, ensuring comprehensive emergency support.
- Affordable premiums with flexible sum insured: Plans are available at competitive rates, with options for different coverage amounts and destinations, including the US and Canada
Find the Best Coverage
How Do I Choose the Best Travel Insurance for Parents from Tata AIG?
When looking for the "best" and "cheapest" Tata AIG travel insurance for parents, it's important to understand that these two aspects often have an inverse relationship, especially for older travelers. The "cheapest" plan might not offer the "best" or most comprehensive coverage, which is crucial given the high cost of overseas medical care.
Tata AIG offers a range of travel insurance plans, including specific variants tailored for senior citizens.
Key Features to Look For (making it "Best"): High Sum Insured (Medical Coverage):- For destinations with very high medical costs like the USA, Canada, UK and Schengen countries, aim for a minimum of $250,000 USD to $500,000 USD or more. While Tata AIG offers lower SIs, higher coverage is critical to avoid massive out-of-pocket expenses.
- For other countries (excluding USA/Canada), $100,000 to $250,000 might be sufficient, but higher is always safer.
- "Without Sub-Limits" Option (Highly Recommended for Age 56+):
- This is a major differentiator for comprehensive coverage. Tata AIG offers plans with and without medical sub-limits for travelers aged 56 years and above.
- With Sub-Limits: Means there are specific caps on expenses like daily room rent, ICU charges, surgical fees, etc., within the overall Sum Insured. You might have a $100,000 policy, but if daily room rent is capped at $1,500 and the actual room costs $2,000, you pay the $500 difference daily.
- Without Sub-Limits (NIL Sub-Limits): The full chosen Sum Insured is available for any covered medical expense, offering far greater protection. While more expensive, this is generally considered "best" for parents, especially when traveling to high-cost countries
- Acute Onset of Pre-existing Conditions (AOPEC) Coverage:
- Tata AIG plans for seniors cover pre-existing conditions only in "life-threatening situations."
- Higher AOPEC Sub-limits: Look for plans that offer a higher sub-limit for this, typically ranging from $3,000 to $20,000, depending on the traveler's age and the plan variant selected. This coverage helps with initial emergency stabilization.
Choosing the Right Plan
How to Choose Comprehensive Tata AIG Travel Insurance for Parents?
When selecting a Tata AIG plan for your parents to ensure it's truly comprehensive, look for:
- High Sum Insured: Go for at least $250,000 to $500,000, especially for the USA/Canada.
- "No Sub-Limits" Option: If available for their age group, prioritize this to ensure the full Sum Insured is accessible for major medical expenses.
- Acute Onset of Pre-existing Conditions (AOPEC): Understand the specific sub-limits and "look-back period" for this vital coverage.
- Emergency Medical Evacuation & Repatriation: Confirm sufficient limits for these critical services.
International Medical Protection
How Does Tata AIG Ensure International Travel Medical Coverage for Parents?
Tata AIG aims to provide comprehensive international travel medical coverage for parents through several key features and plan options, particularly with their Senior Citizen Travel Insurance plans and higher-tier comprehensive options.
Here's how they ensure this, focusing on what "comprehensive" means in this context for older travelers:
1. High Sum Insured Options
- Substantial Coverage Limits: Tata AIG offers a range of high Sum Insured (SI) options, often going up to $50,000, $100,000, $250,000, $500,000, or even $1,000,000 for their international travel plans, including those for parents. A higher SI is crucial for comprehensive coverage, especially in countries like the USA where medical costs are exceptionally high.
- No Sub-Limits (on specific plans): For travelers aged 56 years and above, Tata AIG offers the option of purchasing policies without medical sub-limits. This is a significant factor in comprehensive coverage. Without sub-limits, the entire chosen Sum Insured can be utilized for any eligible medical expense (e.g., room rent, surgery, diagnostic tests), rather than being capped at smaller, pre-defined amounts for individual services. This prevents situations where the overall SI is high, but you still pay out-of-pocket because a specific treatment exceeded its sub-limit.
2. Coverage for Acute Onset of Pre-existing Conditions (AOPEC)
- Critical for Seniors: This is perhaps the most vital aspect of "comprehensive" coverage for parents. Tata AIG offers coverage for pre-existing conditions only in "life-threatening situations" (i.e., acute onset of a life-threatening pre-existing condition).
- Defined Limits: While not covering routine management, these plans provide reimbursement for expenses incurred if a pre-existing condition (like diabetes, heart disease, blood pressure) suddenly and unexpectedly flares up to a life-threatening degree requiring immediate medical attention abroad. The coverage limit for AOPEC can range from $1,500 to $20,000, depending on the specific plan chosen and the traveler's age. This ensures emergency stabilization is covered.
3. Extensive Medical Benefits Included
- Accident & Sickness Medical Expenses: Covers hospitalization, doctor's fees, diagnostic tests, outpatient treatment, and prescription drugs for new illnesses or injuries sustained during the trip.
- Emergency Medical Evacuation: Covers the cost of transporting the insured to the nearest appropriate medical facility, or back to India if medically necessary. This is especially important if specialized care is needed that isn't available locally.
- Repatriation of Remains: In the unfortunate event of death abroad, covers the cost of transporting the mortal remains back to the home country.
- Emergency Dental Treatment: Covers expenses for sudden, acute dental pain or injury.
- COVID-19 Coverage: As of current offerings, Tata AIG includes coverage for medical expenses due to COVID-19 hospitalization and related quarantine costs.
4. Special Provisions for Senior Citizens
- Higher Age Eligibility: Tata AIG's Senior Citizen plans are available for parents up to 99 years of age, making international travel insurance accessible to a very wide age group.
- No Medical Tests for Purchase: For ease of purchase, these plans generally do not require medical reports or extensive health check-ups prior to buying, simplifying the process for parents.
- Specific Senior Citizen Plans: They offer tiered plans like "Senior," "Senior Plus," and "Super Senior Plus" with varying levels of Sum Insured and benefits tailored to the needs of older travelers.
5. Access to Assistance and Cashless Facilities
- 24/7 Global Assistance: Tata AIG provides a 24/7 helpline for emergency support, medical referrals, and claims assistance globally, which is crucial when parents are in a foreign country.
- Cashless Hospitalization: For covered medical emergencies, Tata AIG aims to facilitate cashless hospitalization at network hospitals, meaning the hospital directly coordinates with the insurer, reducing upfront out-of-pocket payments for the family.
Coverage for Visiting Parents
Tata AIG Parents Visitors Insurance
Many Indians living overseas have their parents and senior citizens visiting them for periods ranging from a few weeks to few months. Parents are unfortunately prone to travel risks as they are in a different environment. They may suddenly fall sick or have an injury due to accident. These situations may result in hospitalization and in foreign countries like the USA, Canada, UK, Australia, Singapore, Dubai, Schengen countries and other European or Asian countries where medical care while sophisticated is also very expensive.
Cost of treating Indian parents after a mishap can be very expensive resulting in a nightmare. Buying good travel insurance for Parents from India from Tata AIG is essential and important. Tata AIG’s Travel Insurance for parents is popular is among Indian travelers mainly senior citizens as it offers adequate coverage of $50,000 overseas. Tata AIG parents visitors insurance coverage for pre-existing medical ailments under life threatening conditions is available up to $1,500. Tata AIG international travel insurance for parents helps them have a hassle free trip!
layers Plan Options
What are The Benefits of TATA AIG Travel Insurance for Parents?
Silver, Silver Plus, Gold, Platinum, Titanium, and Titanium Plus travel insurance plans are available with or without sublimit options, offering coverage for all countries except politically disturbed regions. The premium displayed for travelers traveling outside the USA
Silver
Age: 55 years | Plan: $50,000
₹1,466for 30 days
Eligible age3 months to 70 years
Accident & Sicknesscoverage up to $50,000
Pre-existingcoverage up to $2,500
Emergency medical evacuationup to $50,000
Accidental Death & DisablementUp to $10,000
Delay of checked-in baggageUp to $40
Loss of checked-in baggage$200
Loss of passport$250
Trip curtailment$500
Trip cancellation$500
Sliver Plus
Age: 55 years | Plan: $100,000
₹1,811 for 30 days
Eligible age3 months to 70 years
Accident & Sicknesscoverage up to $100,000
Pre-existingCoverage up to $5,000
Emergency medical evacuationUp to $100,000
Accidental Death & DisablementUp to $10,000
Delay of checked-in baggageUp to $40
Loss of checked-in baggage$200
Loss of passport$250
Trip curtailment$500
Trip cancellation$500
Gold
Age: 55 years | Plan: $250,000
₹2,142 for 30 days
Eligible age3 months to 70 years
Accident & Sicknesscoverage up to $250,000
Pre-existingCoverage up to $10,000
Emergency medical evacuationUp to $250,000
Accidental Death & DisablementUp to $15,000
Delay of checked-in baggageUp to $45
Loss of checked-in baggage$300
Loss of passport$250
Trip curtailment$750
Trip cancellation$750
Platinum
Age: 55 years | Plan: $500,000
₹2,515for 30 days
Eligible age3 months to 70 years
Accident & Sicknesscoverage up to $500,000
Pre-existingCoverage up to $12,500
Emergency medical evacuationUp to $500,000
Accidental Death & DisablementUp to $25,000
Delay of checked-in baggageUp to $50
Loss of checked-in baggage$300
Loss of passport$250
Trip curtailment$1000
Trip cancellation$1000
Titanium
Age: 55 years | Plan: $750,000
₹2,991 for 30 days
Eligible age3 months to 60 years
Accident & SicknessCoverage up to $750,000
Pre-existingCoverage up to $15,000
Emergency medical evacuationUp to $750,000
Accidental Death & DisablementUp to $50,000
Delay of checked-in baggageUp to $50
Loss of checked-in baggage$400
Loss of passport$500
Trip curtailment$1000
Trip cancellation$1000
Titanium Plus
Age: 55 years | Plan: $1,000,000
₹3,625 for 30 days
Eligible age3 months to 60 years
Accident & Sicknesscoverage up to $1,000,000
Pre-existingCoverage up to $20,000
Emergency medical evacuationUp to $1,000,000
Accidental Death & DisablementUp to $75,000
Delay of checked-in baggageUp to $50
Loss of checked-in baggage$500
Loss of passport$500
Trip curtailment$1,500
Trip cancellation$1,500
Senior, Senior Plus and Super Senior Plus travel insurance plans are available with or without sublimit options, offering coverage for all countries except politically disturbed regions.
Senior
Age: 75 years | Plan: $50,000
₹5,845for 30 days
Eligible age71 to 80 years
Accident & SicknessCoverage up to $50,000
Pre-existingcoverage up to $2,500
Emergency medical evacuationup to $50,000
Accidental Death & DisablementUp to $10,000
Delay of checked-in baggageUp to $40
Loss of checked-in baggage$200
Loss of passport$250
Trip curtailment$500
Trip cancellation$250
Senior Plus
Age: 75 years | Plan: $100,000
₹6,604 for 30 days
Eligible age71 to 80 years
Accident & Sicknesscoverage up to $50,000
Pre-existingCoverage up to $1,500
Emergency medical evacuationUp to $50,000
Accidental Death & DisablementUp to $10,000
Delay of checked-in baggageUp to $40
Loss of checked-in baggage$200
Loss of passport$250
Trip curtailment$500
Trip cancellation$250
Super Senior
Age: 85 years | Plan: $50,000
₹13,936 for 30 days
Eligible age81+ years
Accident & Sicknesscoverage up to $250,000
Pre-existingCoverage up to $10,000
Emergency medical evacuationUp to $250,000
Accidental Death & DisablementUp to $15,000
Delay of checked-in baggageUp to $45
Loss of checked-in baggage$300
Loss of passport$250
Trip curtailment$750
Trip cancellation$750
Cost Guide 2026
How Much Does TATA AIG Parents Travel Insurance Cost?
The Tata AIG parents travel insurance cost per month starts at just ₹1,466 for coverage Worldwide Excluding USA & Canada. Tata AIG parents travel insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of Tata AIG parents travel insurance plan variants.
Tata AIG travel insurance for parents outside USA & CanadaThe Tata AIG parents travel insurance cost per month starts at just ₹3,216 for coverage Worldwide Including USA & Canada. Tata AIG parents travel insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of Tata AIG parents travel insurance plan variants.
Tata AIG travel insurance for parents in USA & Canada
Customer Reviews
Parents Travel Insurance Trusted by Thousands of Indian Travelers
★★★★★
This to convey our gratitude to your customer support team for having guided us very well in procuring our overseas travel insurance.
D
★★★★★
I felt happy to have a travel insurance from you. I can easily compare with all the companies and based on my requirement I can select the required one.
M
★★★★★
Thank you very much for the cooperation and support as per the request made with updated dates on the policy issued. Appreciate it.
R
FAQs
Frequently Asked Questions - Parents Visitors Travel Insurance
Answers to common questions about TATA AIG Parents Travel Insurance.
Coverage is automatically extended for up to 60 days or until discharge, whichever is earlier. If the return is delayed due to unforeseen circumstances, such as flight cancellation, the policy is extended by 7 days.
Generally, travel insurance must be purchased before departure. However, in special cases (if departure is just before insurance is required), you can seek underwriting approval by submitting a good health declaration and a nil claim declaration.
The policy covers reasonable expenses for obtaining a new passport if it is lost or stolen abroad.
The coverage for Pre Existing Conditions in Life Threatening situations is limited to $1,500 for Indian Parents availing Tata AIG’s travel insurance plans. Medical treatment solely designed to relieve acute pain, provided to the Insured by the Physician for Disease/Accident arising out of a pre-existing condition will be reimbursed up to this limit specified in the policy. All further medical treatment costs to improve or maintain the medically stable state of the insured or to prevent the onset of acute pain will have to be borne by the Insured.
Tata AIG has two plans for parents who are traveling abroad. Under the Travel Plan’s standard International Plan, coverage can be availed for insureds up to 70 years of age (as on the date of travel). They also offer a Senior Citizen Plan, which is available for insured parents beyond the age of 70 years. This plan does not have an upper age restriction, and hence any traveler above the age of 70 years can purchase this plan. Depending on the age of one’s parents, one can choose the appropriate plan from Tata AIG.
No, travel insurance has to be purchased/availed by the insured traveler prior to their departure from India. However, as a special case, if their departure from India is a few days prior to the requirement of travel insurance, specific underwriting approval will need to be taken from the insurance company after providing a good health declaration and a nil claim declaration. Subject to such approval, an insurance policy insuring the parents can be bought.
Blogs
Tata AIG Parents Visitors Travel Insurance Blogs
info
Useful Links
shopping_cart
How to buy online?
Buy Travel Insurance online using UPI, credit/debit card, NEFT, RTGS, or cheque.
Read more
assignment_turned_in
How to Make a Claim?
For claim or reimbursement, contact TATA AIG via toll-free helpline.
Read more
receipt_long
How are Claims settled?
Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.
Read more
Policy Extension & Renewal
How Can I Extend or Renew My TATA AIG Travel Insurance Policy 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.
description
Documents Required for Policy Extension / Renewal
- check_circle Filled and signed Good Health Declaration
- check_circle Copy of passport (first page, last page and departure stamp page)
- check_circle Air ticket copy of onward journey (travelled from India to overseas destination)
Important: Renewal or extension requests are subject to insurer approval and policy terms & conditions.
Travel Insurance Resources
India Travel Insurance Blogs & Articles
Compare Providers