Travel Insurance with Tata AIG Group Overseas Travel Guard

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Travel Insurance with Tata AIG Group Overseas Travel Guard

As CruiseBay turns 15, we are proud to provide Tata AIG Group Overseas Travel Guard where our cruise guests get a comprehensive overseas travel insurance cover with a host of unique benefits including the highly anticipated pre-cruise trip cancellation benefit.

The highlight coverages with the sum insured of the TATA AIG overseas travel insurance cover for our CruiseBay guests include:

This is a single comprehensive Travel Insurance Policy that covers the entire duration of your overseas travel from the time you depart till you return to India. So it includes your pre and post cruise overseas component as well.

Summary of Coverages with limits for guests upto 80 years

Coverages Sum Insured (USD)
US / Canada
Sum Insured (USD)
NON US / Canada
Medical Expenses - Accident and Illness 100000 100000
Deductible 100 100
Repatriation of Mortal Remains Included Included
Emergency Dental Expense 250 250
PED for Life threatening conditions (Indemnity Basis) - valid only for guests upto 60 years 500 500
Outpatient expenses -Accident and Illness 500 500
Compassionate Visit Travel 5000 5000
Compassionate Visit Stay 5000 5000
Accompaniment of Minor Child 5000 5000
Accidental Death-Common Carrier Only 10000 10000
Hospital Daily Cash(USD 50 per day) 500 500
Deductible 24 hours 24 hours
Common Carrier Delay 250 250
Deductible 12 hours 12 hours
Trip Cancellation 3000 3000
Home Content Burglary INR 250000 INR 250000
Trip Interruption 1400 1400
Missed Flight/Cruise 250 250
Delay of Checked-in baggage 100 100
Deductible 12 hours 12 hours
Missed Connection 1000 1000
Deductible 50 50
Loss of Cash 1000 1000
Personal Liability 50000 50000
Loss of Passport 250 250
Terrorism Cover Included Included
Cruise Interruption 500 500
Accommodation Cancellation  3000 3000

Premium Payable

  Premium Payable (INR)
US / Canada
Premium Payable (INR)
NON US / Canada
For guests upto 60 years:
Per Person Per Day Premium (Including GST) 327 278
For guests between 61 and 80 years:
Per Person Per Day Premium (Including GST) 380 303

Coverage Terms and Conditions

  • Aggregate Limit (Per incident) for Accidental Death is $ 50000
  • Maximum Trip Duration is 180 days per person per trip.
  • The overseas cruise travel insurance policy has been the issued at the time of making the final payment for the cruise booking (usually 75 to 90 days prior to the cruise)
  • The coverage starts from the time the person leaves the Indian Soil by Air / Ship
  • The insurance will be valid from when the insured boards the common carrier from India to start the overseas cruise journey until their return back to India.
  • Emergency Dental Expenses will be applicable only for Acute Dental Pain Treatment which is treated as emergency by Registered medica practitioner while on trip
  • Medical Claims will be payable only if there is an active line of treatment / Medically Necessary treatment and same has been recommended by a registered Medical Practitioner & arising only whilst on trip
  • Hospitalization Claims will be payable Only if the proximate cause is triggered during the overseas trip and in case of claim being triggered on cruise, hospitalization must be immediately after deboarding from the Cruise
  • Any Policy / Certificate of Insurance is non-refundable after the commencement of trip or if any claim has been lodged under such Policy / Certificate of insurance, premium shall not be refunded in case of any claims being paid under the policy.
  • For Covid related Claims to be payable, Covid should be diagnosed within the overseas trip only (Positive RT-PCR report during the overseas trip only).
  • Any E-voucher, Credit shell or any other Coupon received on the account of Trip cancellation or Accommodation cancellation from the Service Provider will be considered.
  • For bounced booking of accommodation, the maximum liability of the insurer, in no case, shall be more than two times the rent of the original room booked.
  • Any claims arising out of Pre-existing disease and maternity are not covered
  • Any Policy/Certificate of Insurance are non refundable after the commencement of trip or if any claim has been lodged under such Policy/Certificate of insurance
  • Premium shall not be refunded in case of any claims being paid under the policy
  • Any change in GST/applicable taxes might change the premium


For queries related to CruiseBay’s overseas cruise travel insurance policy,
please call us at 020-66442999 OR mail us at