Have you ever had your travel plans change unexpectedly? It's a common scenario – a sudden work commitment, a family emergency, or simply a change of heart about your destination. When this happens, one of the first things that comes to mind is often, "What about my travel insurance?" If you've purchased a Tata AIG travel insurance policy, you might be wondering how to cancel it and what the process entails. Don't worry, you're in the right place! This comprehensive guide will walk you through every step of canceling your Tata AIG travel insurance, ensuring a smooth and hassle-free experience.
How to Cancel Tata AIG Travel Insurance: A Step-by-Step Guide
Canceling your travel insurance policy with Tata AIG can be straightforward if you know the correct procedure. The process largely depends on when you decide to cancel – before your policy's start date or after. Let's break it down.
Step 1: Understand Your Policy's Terms and Conditions
Before you do anything else, grab your Tata AIG travel insurance policy document. This is your most important resource. Look for sections related to:
Cancellation Policy: This will outline the specific rules for canceling your policy.
Refunds: It will detail if and how much of your premium is refundable.
Cooling-Off Period (Free-Look Period): Many policies offer a "free-look" period (typically 15-30 days from policy issuance) during which you can cancel for a near-full refund, usually with only minor deductions for stamp duty or medical check-up charges (if applicable).
Cancellation Charges: Understand any fees that might be deducted upon cancellation. Tata AIG often has a nominal cancellation charge (e.g., ₹250-₹300).
Documentation Required: Note down any specific documents Tata AIG requires for cancellation.
Why is this crucial? Because every policy can have slight variations, and being informed beforehand will save you time and potential frustration.
Step 2: Determine When to Cancel (Before or After Policy Start Date)
This is a critical distinction that impacts the cancellation process and your refund eligibility.
Sub-heading 2.1: Cancelling Before the Policy Start Date
If your travel plans fall through before your policy's official commencement date, this is generally the easiest scenario for cancellation and obtaining a refund.
Refund Likelihood: You are highly likely to receive a full refund, minus any nominal cancellation charges (e.g., ₹300).
Documentation: Typically, no additional documents beyond your policy details are required in this case.
Sub-heading 2.2: Cancelling After the Policy Start Date
If your policy has already begun, but you haven't traveled, cancellation is still possible, but the refund scenario changes.
Refund Likelihood: Refunds are generally on a pro-rata basis, meaning you'll get a refund for the unused period of your policy, after deducting cancellation charges and potentially a percentage of the premium for the period you were covered.
Crucial Proof of Non-Travel: Tata AIG will require proof that you have not travelled overseas. This is a mandatory requirement. You will likely need to submit scanned copies of all pages of your passport, including empty ones, to prove you did not leave the country as originally planned.
No Pro-Rata Refund After Travel: It's important to note that if you have already commenced your journey or returned early, you are generally not eligible for a refund on overseas travel policies.
Step 3: Initiate the Cancellation Request
Now that you understand the terms and have identified your cancellation scenario, it's time to contact Tata AIG. There are a few ways to do this:
Sub-heading 3.1: Sending an Email Request
This is often the most recommended method as it provides a written record of your request.
Identify the Correct Email ID: Send the cancellation request to the email ID from which you received your policy copy. Alternatively, you can use general customer service email IDs like
customersupport@tataaig.com.Subject Line: Make your subject line clear and concise, for example: "Travel Insurance Policy Cancellation Request - Policy No. [Your Policy Number]"
Content of the Email:
Clearly state your policy number (this is paramount!).
Provide your full name as per the policy.
Mention your contact information (phone number and email).
State the reason for cancellation.
Attach necessary documents:
If cancelling after the policy start date but before travel: Attach scanned copies of all 36 pages of your passport as proof of non-travel.
Attach a copy of your policy document for easy reference.
Keep a Record: Always keep a copy of the email you send for your records.
Sub-heading 3.2: Calling Tata AIG Customer Care
For a more immediate interaction, you can call their customer support.
General Customer Support:
Toll-Free (BSNL/MTNL Landline): 1800 119966
Other Numbers (Charges Apply): 022 6489 8282 or 022-66939500
City-Specific Numbers:
Mumbai: 66939500
Pune: 66014156
Delhi: 66603500
Bangalore: 66272829
Chennai: 66841050
Hyderabad: 66629882
Ahmedabad: 66610201
International Travel Insurance Claims (if applicable, for guidance, not direct cancellation):
For Americas Policies: +1-833-440-1575 (Toll-free within US and Canada) or email
tata.aig@europ-assistance.inFor Excluding Americas Policies: +91 – 022 68227600 or email
EA.TATAclaims@europ-assistance.in
Be Prepared: Have your policy number, personal details, and reason for cancellation ready before you call. Note down the name of the representative you speak with and a reference number for your call, if provided.
Sub-heading 3.3: Visiting a Tata AIG Branch
If you prefer an in-person interaction, you can visit a Tata AIG branch office.
Locate a Branch: Use the Tata AIG website to find the nearest branch office.
Carry Documents: Bring your policy document, identity proof, and the required proof of non-travel (passport copies) if applicable.
Fill Out Forms: You might be required to fill out a physical cancellation request form.
Step 4: Follow Up and Track Your Request
Once you've initiated the cancellation, it's essential to follow up.
Confirmation: Request a confirmation of your cancellation request via email.
Processing Time: Tata AIG typically processes cancellations within 7 working days. The refund process can take around 15 working days.
Refund Method: The refund amount will usually be sent to the Indian mailing address mentioned in your policy by post/courier via cheque.
Escalation (If Needed): If you don't receive a response or a satisfactory resolution within the stipulated time (e.g., 10 days for initial complaint resolution), you can escalate your grievance.
Level 1 Escalation: Email
manager.customersupport@tataaig.com(response within 8 days).Level 2 Escalation: Email
head.customerservices@tataaig.com(final response within 7 days).Insurance Ombudsman: If you are still unsatisfied after exhausting Tata AIG's internal grievance redressal channels (after 14 days of lodging a complaint), you can approach the Insurance Ombudsman appointed by IRDAI.
Step 5: Receive Your Refund
Once your cancellation is processed and approved, Tata AIG will initiate the refund. This will be sent to your registered Indian mailing address, usually via cheque. Ensure your address details on the policy are current and accurate.
10 Related FAQ Questions
Here are 10 frequently asked questions about canceling Tata AIG travel insurance, with quick answers:
How to cancel Tata AIG travel insurance policy online?
You can cancel your Tata AIG travel insurance policy online by sending an email request to their customer support or the email ID from which you received your policy, stating your policy number and reason for cancellation.
How to get a refund after canceling Tata AIG travel insurance?
If eligible, the refund will be processed as per policy terms (full before start date, pro-rata after start date but before travel) and sent to your registered Indian mailing address, typically via cheque, after deducting applicable cancellation charges.
How to prove non-travel for Tata AIG travel insurance cancellation?
To prove non-travel after the policy start date, you will need to submit scanned copies of all pages (including empty ones) of your passport to Tata AIG.
How to find the cooling-off period for Tata AIG travel insurance?
The cooling-off period (also known as a free-look period) is typically 15-30 days from the policy issuance date and is mentioned in your policy document. This allows you to cancel for a near-full refund with minimal deductions.
How to contact Tata AIG customer care for travel insurance cancellation?
You can contact Tata AIG customer care by calling their toll-free number (1800 119966 for BSNL/MTNL or 022 6489 8282/022 66939500 for others) or emailing customersupport@tataaig.com.
How to check cancellation charges for Tata AIG travel insurance?
Cancellation charges are typically outlined in your policy document. Tata AIG usually charges a nominal fee, often around ₹250-₹300, for policy cancellations.
How to cancel Tata AIG travel insurance if I bought it through a third-party aggregator?
If you purchased through an agent, broker, or web aggregator, you can contact them directly to assist with the cancellation process, or you can directly contact Tata AIG's customer service as described above.
How to cancel Tata AIG travel insurance if my trip is curtailed (cut short)?
If your trip is curtailed after you've started traveling, it generally means you've already utilized the policy. In such cases, there is typically no pro-rata refund for early return, as the policy has already been active and a claim might even be possible for the curtailment.
How to escalate a Tata AIG travel insurance cancellation issue?
If you face issues, you can escalate your grievance by emailing manager.customersupport@tataaig.com (Level 1) and then head.customerservices@tataaig.com (Level 2). If still unresolved after 14 days, you can approach the Insurance Ombudsman.
How to ensure a smooth Tata AIG travel insurance cancellation process?
For a smooth process, always read your policy document thoroughly, initiate cancellation promptly, provide all required documents accurately (especially passport copies for post-start-date cancellations), and keep a record of all your communication with Tata AIG.