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Last updated on: September 19, 2025
The Tata AIG Global Combo Plan and the Universal Sompo Plus Gold Plan are popular travel insurance options for international travelers from India, but they offer distinct features. The Tata AIG Global Combo Plan is known for its extensive global coverage, including medical emergencies, baggage loss, passport loss, and personal accident benefits, with flexible policy terms for individual or family needs. In contrast, the Universal Sompo Plus Gold Plan provides comprehensive protection with high sum insured, coverage for pre-existing diseases in life-threatening situations, and add-ons like home burglary while abroad. While Tata AIG is favored for seamless claim processing and wide customizability, Universal Sompo stands out for value-added benefits like compassionate visits and simplified claim protocols. Your choice should depend on individual coverage requirements, destination, and personal preferences regarding benefits and premium costs.
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Travel insurance has been of necessity to Indian families and professionals that travel to foreign countries. As medical costs rise, and travel risks grow in 2025, the need to select a strong foreign insurance policy is more significant than ever. Tata Aig Global Combo Plan and Universal Sompo Plus Gold Plan have been compared by many travellers as one of the most comprehensive plans that will provide protection at foreign locations.
This paper contrasts these two best-selling international travel insurance plans. We will explore benefits, limitations, features of the policy, processes of claims and experience of the service - to help you make the best choice depending on what you need to travel in a year 2025.
Tata Aig and Universal Sompo have been characterized by customer friendly travel insurance products that have extensive global network. The applicability of inclusive international insurance plans can hardly be overestimated with more Indians travelling in 2025 to pursue education, work, or holidays.
Medical coverage amounts, journey interruption, pre-existing diseases, add-ons regarding adventure sports, as well as claims processing time, are the most popular issues of Indian travellers this year. It is toward these issues in particular that these two insurance plans attempt to make a response in their features and global tie-ups.
We will look at these policies individually.
Tata Aig is the major provider of travel policy in India. The Global Combo Plan is created with the purpose of providing an offer to those people or families that travel a lot or want to have a one-card-solution to use in various trips.
Profession Insight: Non-local customers are giving optimist feedback about Tata Aig worldwide cashless hospital network and multi-lingual support centre as they travel alone or with families in 2025.
Universal Sompo, a joint venture between international companies, is offering the Plus Gold Plan which would cover the world travels in the year 2025. It is furnished to ensure the greatest serenity during long-haul flights and the global travels.
Did you know? According to recent surveys 2025, Universal Sompo has received a positive mention on its customer care in terms of crisis management and fast settlements without the use of cash in the US and Europe.
We will compare the two plans on the key insurance benefits that will be of utmost interest to an Indian traveller in 2025.
| Characteristic | Tata Aig Global Combo | Universal Sompo Plus Gold |
|---|---|---|
| Sum Insured Options | USD 50,000- USD 5,00,000 | USD 5,000,000 or less |
| Medical Emergency Cover | Included | Included |
| Pre-existing Disease | Only life-threatening | Only life-threatening |
| Trip Cancellation/Delay | Included | Included |
| Baggage Loss/Delay | Not excluded | Not excluded |
| Personal Liability | Included | Included |
| Hospital Cash | Included (amount varies) | Included (amount varies) |
| Evacuation Repatriation | Included | Included |
| Rider of Adventure Sports | Optional Add-on | Optional Add-on |
| COVID-19 Coverage | Add-on | Add-on |
| Policy Extension | Yes, in case of emergency | Yes, in case of emergency |
| 24x7 helpline | 24x7 helpline | Worldwide Assistance |
| Age Limit | Up to 80 years old (maximum) | Up to 65 years (standard) |
| Cashless Global Hospital | Yes | Yes |
Q: Which is the better plan of students?
The two plans have student-friendly versions, as well as the extension feature, though Tata Aig has simpler online claim processes and eligibility of young adults.
It is necessary to know the weaknesses and strengths before making any decision.
Pros:
Cons:
People Also Ask:
Q: What is the option of buying Tata Aig Global Combo Plan once I have commenced my trip?
You have to buy the policy first before going out of India to be covered.
These are the main advantages and shortcomings:
Pros:
Cons:
Expert Opinion: When you are over 65 or have complicated health requirements, look through the fine print of both plans in 2025.
A quick and easy settlement of claim is an essential requirement during travelling overseas.
Tata Aig:
Place claims either via the app or email or customer portal. Hospitalisation in cashless mode can be done with pre-approval. Complaints about lost or misplaced baggage or cancellation of the trip normally demand supporting documentation within a period of 30 days.
Universal Sompo:
The complaints may be made through helpline or app. They have a specific claim number that works 24x7 in emergency cases. Paperwork is computerized and medical or non-medical payments are made directly with a payout in case of approval.
People Also Ask:
Q: What is the duration of settlement of these companies?
Tata Aig and Universal Sompo state that they will be able to process the majority of travel claims (average 7-15 working days in 2025) depending on the complexity of the claim.
Premium rates are determined on basis of the sum insured, age, duration of trip and destination.
| Coverage | Tata AIG Global Combo | Universal Sompo Plus Gold |
|---|---|---|
| 30 Days, Age 30, USD 100k | Rs 1,500 - Rs 2,500 | Rs 1,400 - Rs 2,200 |
| 90 Days, Age 45, USD 250k | Rs 4,200 - Rs 5,800 | Rs 4,100 - Rs 5,600 |
| 180 Days, Senior citizen | Rs 11000- Rs 18000 | Rs 13500- Rs 21000 |
| Student Variant (180 days) | Rs 6,800 - Rs 8,500 | Rs 5,500 - Rs 8,000 |
Are there any discounts? In 2025 both insurers are also providing family rates, annual multi trip packs and student group enrollments.
Tata Aig Global Combo is unique as it provides multi-trip and family floater packages of large family sizes. Its annual combination plan is more popular with business travellers who travel across different countries in one policy.
Universal Sompo will be chosen by people who want a plan that covers everything in one package, and age requirements are below 65 years and want to be approved without undergoing any medical examination.
Did you know? Both plans have provided digital policy wallets and WhatsApp notifications of claim and renewal alerts, which were launched in late 2024 as a means of facilitating customer servicing.
Q: Is it possible to purchase travel insurance online to international Indian trips in 2025?
The answer is yes, Tata Aig and Universal Sompo do provide the option of buying policies online and downloading the policy through internet.
Q: Do the plans include default COVID-19 coverage?
In 2025, COVID-19 coverage is largely an optional addition. Check before purchasing.
Q: Are the adventure sports injuries covered in these plans?
Both provide adventure sports injury cover, but again it is normally an add-on that is paid.
Q: What to do to file a claim when travelling to another country?
Go through the insurer app, email helpline, or call the number of the international claim. Network hospitals have cashless hospitalisation.
Q: What better plan to use in Schengen visa applications?
Tata Aig Global Combo complies with the requirements of the Schengen Convention by default; versions of Universal Sompo also comply but verify specific limits.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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