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.
You can get coverage upto Rs. 3 lakh to secure your holiday. Apart from emergency travel and hotel assistance, you can block your credit or debit cards easily with a single call in case they are stolen. The insurance also includes coverage against personal accidents, loss of baggage, bounced hotel bookings, cancellation of trips, and more. So, go ahead and get the Holiday Cover at just Rs. 699 for your next travel plan.
Apart from working on your fitness levels while preparing for your next trekking adventure, it is essential to buy a trek insurance to ensure your safety.
You should be prepared for eventualities like losing your credit or debit cards, trip cancellations, medical injuries, and more. With a Trek Cover at just Rs. 699, you can get coverage of Rs 1 lakh within India and Rs 1.5 lakh abroad, if you get stranded or lose your personal belongings. This insurance also covers personal accidents, hospitalization charges, trip cancellation and baggage loss.
Road trips are a fun way to bond with family and friends. However, things can quickly take a turn for the worse in case of any unfortunate incident. Hence, availing a Road Trip Cover at just Rs. 599 should be on your to-do list while planning your trip. This insurance provides you coverage up to Rs. 3 lakh that includes personal accidents, baggage loss and more. It also provides assistance for car breakdown, wallet loss and emergency hotel and travel bills.
You can encounter a lot of risks and difficulties during your pilgrimage journey. Buying an affordable Pilgrimage Cover at just Rs. 599 can help you immensely because you can get travel and hotel assistance up to Rs. 50,000 in India and Rs. 1 lakh abroad in case you are stranded. This insurance also provides coverage upto Rs. 3 lakh for accidents, hospitalization, home burglary, cancellation of trip, lost baggage etc.
If you’re worried about the security of your home while you are away travelling, buy the Home Protection Insurance at just Rs. 199. This insurance gives a coverage of up to Rs. 5 lakh against financial losses due to damage, disappearance or destruction due to burglary at your residence when you are away on a trip. These include damage, loss or theft to furniture, clothes, electronic items, audio equipment, and money.
This insurance covers impediments while you are travelling like accidental damage or theft of your luggage, loss of money or cheques, expenses incurred to replace your lost wallet or passport and more. You can buy a Personal Trip Effects Cover for just Rs. 349 and get coverage up to Rs. 1,15,000.
For any trip liability, you can be assured of coverage in the event of accidental bodily injuries to any third parties as well as property damages to third parties. You can get a coverage of Rs. 1 lakh for unforeseen circumstances which can result in financial losses. Buy the Personal Trip Liability Insurance Cover for at just Rs. 149 and have a stress-free trip.
There are different kinds of travel insurance plans that you can avail.
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.
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.
You can get the above travel insurance coverages by purchasing online travel insurance policies.
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).
Personal accidents, medical evacuation, ambulances, patient treatment, and hospitalization all are covered under travel insurance policies.
Delays/cancellations in flights and accommodation costs while in transit can be covered in a travel insurance policy.
Loss of baggage or breakage or theft is covered as part of travel insurance.
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.
Travelling aboard is expensive, and any unforeseen circumstances can make a dent in your wallet. To help you smoothen your journey, ensure your personal safety and the safety of your belongings, you can buy travel insurance online that covers all types of risks associated with travelling. Also, delays and cancellations, and the expenses of rebooking or finding an unplanned accommodation can be covered by this insurance. The best travel insurance plans in India are those which also cover you for personal liability in case of accidental harm to someone else. Also, your health issues or even sudden hospitalization can be covered. Any loss of passport and documents will be assisted through special helplines of the insurance companies.
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.
You can easily apply for travel insurance online by filling out the form provided on the website. You can also pay the premium amount online, from the comfort of your home, which makes the whole process hassle-free.
Complete all the travel insurance formalities specified by your provider prior to your planned travel date. Carry the original policy document along with you in the journey. Also, a soft copy of the policy document will help you in the processing of your travel insurance claims.
In case of emergency, call the helpline number to notify your losses and to understand the coverage and the travel insurance claim process. You will have to call the internal number provided for the claims assistance and take note of all documentation required.
The documents need to be gathered, authorized and emailed for seeking claims.
All relevant documents such as passport copy with immigration stamps, claims forms, a copy of the original policy, original bills, and receipts, police report if required and personal identity proof along with any other local documentation should be kept ready.
Submission is followed by a surveyor's assessment as appointed by the insurance company, and the due process takes place.
What is Travel Insurance?
Travel insurance is an insurance policy which offers compensation for losses – personal /medical and delays and cancellations of flights during your travel within India or internationally.
Why is it important to take Travel Insurance?
Loss of baggage, expensive medical assistance in a foreign country, loss of important documents, cancellations /delays and extra expenses to cover those can ruin a well-planned trip. To smoothen the effects of delays and unexpected losses while traveling, a small premium for travel insurance will go a long way in helping you out.
What is covered in Travel Insurance Policy?
Medical emergencies, loss of baggage, delays/cancellations of flights, emergency accommodation, hospitalization, basic medical treatment, loss of important documents and many other such basic yet significant issues are covered under travel insurance policies.
What to do if I lose my passport during travel?
You should get in touch with the travel insurance company, and they will assist you with the local point of contact who will reimburse you for expenses for getting another temporary passport issued in the same country. This is covered under your travel insurance if you have opted for it.