Travel Insurance helps you tackle medical emergencies, unforeseen expenses and various other risks that you might encounter during a trip. It covers compensation for lost baggage or passport, trip cancellation, flight accidents, and other losses while travelling domestically or internationally. In India, travel insurance is quickly becoming a must-have while planning a family vacation, a business trip or even a trekking adventure.

You can choose from an array of travel insurance policies, such as those offering heavy medical reimbursements or others providing flight delay compensations. In some countries such as the United States of America, medical costs can be exorbitant. So, you can choose your travel insurance plan depending upon your country of travel. Similarly, for domestic travel, you can look at suitable plans that cover trip cancellations, journey interruptions, and other associated risks.

If you are looking to Buy one of the best Travel insurance, check out the policies offered under Insurance by Bajaj Finserv, which provide affordable insurance plans to suit your exact need. You can select from a wide range of friendly travel insurance plans, whether it a Holiday Cover, a Road-Trip Cover or a Pilgrimage Cover.

Here are some of the insurance travel plans that you can opt for:

Travel insurance is a plan that provides protection against any unforeseen damage during domestic or international travel. It covers the financial risks that may occur due to loss of baggage, cancellation charges, or medical expenses.

A travel insurance plan covers several benefits with facilities like 24x7 assistance, a replacement for lost passports, re-booking of cancelled flights, etc. The easiest way to avail of these benefits is by buying travel insurance online.

The policies are not just restricted to travel within the country but also abroad. You can customise the plans as per your requirement, as travel insurance plans generally offer additional risk coverage with add-on premium payments. However, the coverage differs based on Indian and international travel. Thus, you must go through the policy terms before buying a travel insurance plan.

A travel insurance policy generally covers medical risks, travel risks and flight disruptions. You can easily buy your travel insurance online that covers all possible risks ensuring a hassle-free trip. Listed below are a few reasons to justify the significance of a travel insurance policy:

• Coverage against medical emergencies

Any health emergency during travel can create panic, especially in an unknown place. Thus, an ideal travel insurance plan ensures that proper medical assistance and hospitalisation expenses are covered.
 

• Coverage for loss of baggage

In case of baggage loss, you will be reimbursed based on the sum insured.

• Reimbursement for replacement of lost documents or passports

The expenses that may be borne by the insured for the replacement of passports or documents is reimbursed based on the sum insured.

• Flight cancellation coverage

If your flight is cancelled or delayed, you will be reimbursed or refunded a certain amount per the policy schedule.

However, it is recommended that you must go through the policy terms before buying an insurance plan as the coverage and benefits differ for international and Indian travel insurance plans.

With Bajaj Finserv, you can get ideal travel insurance covering all the benefits to make your next trip hassle-free and stress-free. Refer to the plans given below:

S. No.	Travel insurance plan	Premium/Fee (Rs.)	Sum insured (Rs.)
1	Domestic Travel Cover	Rs. 699*	3 lakh
2	Travel Accidental Hospitalisation and Flight Cancellation Benefit Cover	Rs. 110*	20,000
3	Travel (domestic) Medical Cash Cover	Rs. 48*	1 lakh
4	Travel Accidental Hospitalisation and Medical Evaluation Cover	Rs. 24*	25,000
5	Trip Curtailment Benefit Cover	Rs. 73*	10,000
6	Pilgrimage Cover	Rs. 599*	3 lakh
7	Trek Cover	Rs. 699*	1.5 lakh
6	Pilgrimage Cover	Rs. 599*	3 lakh
7	Trek Cover	Rs. 699*	1.5 lakh
8	Road Trip Cover	Rs. 599*	3 lakh
9	Solo Travel Cover	Rs. 699*	3 lakh
10	Backpacking Travel Cover	Rs. 699*	1.5 lakh

• Medical emergency and hospitalization

  
  Bearing the exorbitant medical expenses in a foreign country can be a nightmare. It is advisable to buy international travel medical insurance to seek financial assistance in case of any bodily injuries, basic treatment, ambulance, and even hospitalization.

• Medical emergency and hospitalization

  
  Bearing the exorbitant medical expenses in a foreign country can be a nightmare. It is advisable to buy international travel medical insurance to seek financial assistance in case of any bodily injuries, basic treatment, ambulance, and even hospitalization.

• Compensation for flight issues

  
  Get travel insurance in which delayed or cancelled flights are compensated along with accommodation during the ordeal.

• Travel and accommodation

  
  Losses due to changes in routes, emergencies or delays are compensated in a travel insurance. In-between transportation costs, lodging, and ambulances (if required) are also covered.

• Personal liability

  
  Personal liability covers offer coverage in case of any third-party bodily injuries during your travel or even if you accidentally damage a fellow passenger’s property.

• Loss of passport

  
  This is the most important document while travelling and this can be compensated by a travel insurance policy offering coverage towards expenses for reissuance of original passport in case it gets stolen or lost.

• Terrorism

  
  Losses to mental health or bodily harm and death during an act of terrorism can be compensated by taking an appropriate travel insurance.

• Repatriation of remains

  
  In case of death while travelling, the travel insurance can cover expenses of taking the insured person’s remains to the home country.

• Domestic Travel Insurance

  
  For travel within the legal boundaries of India, you can avail this type of best travel insurance policy and get coverage for delays and interruptions in your flight or trip. It can cover medical emergencies, permanent disabilities, and even include the expenses and legal aspects in case of death during travel. For personal liability, the checked-in lost baggage and travel delay is usually included.

• Overseas Travel Insurance

  
  For all international destinations, overseas travel insurance policies are designed keeping in mind various possibilities such as compensation for total loss of baggage, cashless hospitalization and more. These policies also cover travel delays, hijack risks and losses, evacuation, loss of important travel documents and life coverage.

• Student Travel Insurance

  
  This travel insurance can help students going abroad to study in universities, colleges, and institutions of higher studies. Students can apply for it when they decide to pursue academic and professional courses in foreign universities. The paperwork required is minimal and comprehensive coverage is possible for medical and health, life, passport and documents loss, equipment loss, and interruptions in the course.

• Medical Travel Insurance

  
  This type of insurance is specifically for the purpose of visiting a country for medical treatment. It covers short-term travel, along with medical emergencies and situations of evacuations from the foreign country. There can be various clauses and exclusions depending upon the insurance provider and from whom the medical insurance is purchased.

• Travel Insurance for Senior Citizens

  
  This policy is a specially designed travel insurance plan for people belonging in the age group of 61 – 70 years. It usually covers dental and basic medical issues while they are travelling aboard with cashless advantages. It also provides other benefits associated with travel insurance.

• Family Travel Insurance

  
  Your entire family can be covered within a single travel insurance policy when you are travelling together. This will include coverage for baggage loss, flight cancellations, medical expenses, and cashless hospitalization.

• Group Travel Insurance

  
  This is for people travelling together and unrelated by blood, who can take insurance together to seek the same protection as in the case of a regular travel insurance policy while saving costs of individual premium.

• Pregnancy Travel Insurance

  
  This is a unique insurance covering the exigencies for a pregnant woman travelling to another country or even domestically who can claim medical assistance in case of any requirement.

• Medical emergency and hospitalization

  
  Bearing the exorbitant medical expenses in a foreign country can be a nightmare. It is advisable to buy international travel medical insurance to seek financial assistance in case of any bodily injuries, basic treatment, ambulance, and even hospitalization.

• Medical emergency and hospitalization

  
  Bearing the exorbitant medical expenses in a foreign country can be a nightmare. It is advisable to buy international travel medical insurance to seek financial assistance in case of any bodily injuries, basic treatment, ambulance, and even hospitalization.

• Compensation for flight issues

  
  Get travel insurance in which delayed or cancelled flights are compensated along with accommodation during the ordeal.

• Travel and accommodation

  
  Losses due to changes in routes, emergencies or delays are compensated in a travel insurance. In-between transportation costs, lodging, and ambulances (if required) are also covered.

• Personal liability

  
  Personal liability covers offer coverage in case of any third-party bodily injuries during your travel or even if you accidentally damage a fellow passenger’s property.

• Loss of passport

  
  This is the most important document while travelling and this can be compensated by a travel insurance policy offering coverage towards expenses for reissuance of original passport in case it gets stolen or lost.

• Terrorism

  
  Losses to mental health or bodily harm and death during an act of terrorism can be compensated by taking an appropriate travel insurance.

• Repatriation of remains

  
  In case of death while travelling, the travel insurance can cover expenses of taking the insured person’s remains to the home country.

Different policies have different travel insurance eligibility criteria. There are some mandatory documents required for travel insurance such as passport, visa, income details, and tax statements.

• Student Travel Insurance usually provides insurance to students in a specific age-group, who are travelling abroad for higher studies.
• International travel insurance and family travel insurance plans usually cover only two adults (up to 60 years of age) and two children (up to 21 years of age).
• Senior Citizens usually get travel insurance up to 85 years of age without having to go through any medical tests.
• Schengen Travel Insurance is available only for business or leisure travel and is available to babies (older than 90 days) and adults (up to 70 years of age).

• Medical benefits

  
  Personal accidents, medical evacuation, ambulances, patient treatment, and hospitalization all are covered under travel insurance policies.

• Travel benefits

  
  Delays/cancellations in flights and accommodation costs while in transit can be covered in a travel insurance policy.

• Baggage benefits

  
  Loss of baggage or breakage or theft is covered as part of travel insurance.

• Additional benefits

  
  Emergencies, repatriation, dental issues, tour operator default, and many other unforeseen circumstances can mar your trip. You can buy travel insurance online and seek protection against these problems.

• Understand your requirements – medical issues or delays/cancellations and then go for a heavy cover as per that.

• A little background on the assistance of the insurance company will be useful.

• Compare the features, benefits, and exclusions between various plans and providers before you choose a plan.

• Figure out which type of policy will be suitable for you, keeping in mind your travel, place of visit, and period of travel.