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Travel Insurance
Travel insurance protects your entire journey from major financial losses.It helps with expenses because of sudden medical & trip-related emergencies during foreign and domestic trips. Travel insurance benefits include cashless medical, baggage & flight delay, passport loss, trip cancellation and more.These benefits are valid for your entire trip until your return to India. You may be visiting one country or multiple, be a student or a senior citizen. No matter who you are, you will always find the best travel insurance plans for all kinds of journeys.
What is Travel Insurance?
A travel insurance policy offers financial compensation for many emergencies you may face during your trip. A travel insurance plan secures your journey from unexpected expenses because of various medical, legal, and booking-related emergencies. Primary benefits of travel insurance plans cover emergency medical expenses, personal accident passport theft, and medical evacuation & repatriation.
What's more, you must buy travel insurance to meet mandatory visa requirements for many countries. These countries don't issue a valid visa unless you provide proof of travel insurance from India.
You can easily buy online travel insurance, thanks to readily available travel insurance plans for different countries and travellers. For better coverage, you can also buy other coverages (called add-ons) for specific protection. Some popular add-on include such as pre-existing diseases or adventure sports.
You can also choose travel insurance plans depending on whether it's a business, family or an educational trip.
Top Reasons to Buy Travel Insurance
There are no guarantees in life, and your travel insurance plans are equally prone to unpredictability. From getting mugged to having a bad accident, a lot can go wrong while abroad. This is where your travel insurance can soften the blow and protect you financially. Often dubbed as an extra expense, there is no better way to financially and mentally safeguard yourself abroad.
If you're still feeling unsure, here are the top reasons to buy travel insurance from India:
- Worldwide medical support in case of emergencies.
- Fulfils visa requirements for 30+ countries requiring mandatory travel medical insurance from India.
- Reimbursement for stolen, lost and damaged luggage.
- Covers individuals, families, students, overseas employees and senior citizens.
- Helps reclaim extra flight-related expenses (flight cancellation and flight rescheduling) under mentioned reasons.
- Offers stress-free travel with additional protection back home (home burglary/fire insurance)
Thankfully, many people now realise travel risks and prioritise their safety by buying travel insurance online. Do compare travel insurance online before purchasing and you will never regret buying this safety net for your trip
Travel Insurance Plan Inclusions
Just like packing essentials and booking comfortable flights and hotels, understand the risks you must prepare for. You should know what your travel insurance plan will protect you from. These are listed as 'inclusions' in all insurance policy wordings. Here are the common inclusions under travel insurance plans to keep in mind before purchasing:
The cost of medical care abroad is a lot higher than what we pay in India. Especially when you have a budget to stick to, getting injured or suddenly falling sick is seriously disappointing. On top of falling sick, there are extra (and often high) expenses that you did not consider. This is where your travel insurance coverage will have your back:
- Medical Emergencies: If you need medical help abroad, you don't have to worry about high costs. Your travel insurance for abroad from India will cover them in case of an accident or sudden illness. Many Indian insurers also offer cashless travel insurance. Your insurer can settle the treatment expenses directly at the network hospital through this.
- Medical Evacuation or Repatriation: Medical evacuation is a necessary expense if you need medical help abroad but it isn't readily available. In such cases, you will be evacuated to the nearest available facility. In case of unfortunate death abroad, the mortal remains are repatriated to India. Your travel insurance policy will cover both costs as per coverage.
The best travel insurance plan from India will help you in many other ways, such as:
- Travel Assistance: New city or a new country, your travel insurance plan will help with every urgent assistance. This can range from customer support to getting a list of international network hospitals close to you.
- Policy Extension: Your travel policy has a fixed period and ends when you return from the trip. If your trip is extended for valid reasons, your international policy can be extended. This is only allowed for a fixed period and under valid scenarios.
- Flight Delays: The travel policy will cover extra costs if your flight is delayed for specified reasons.
The devastation during COVID-19 is hard to forget. Most insurers will cover the following under travel insurance with COVID coverage:
- Trip Cancellation: Travel insurance with COVID-19 coverage helps reimburse many trip costs in case of hospitalisation because of corona. You can get reimbursement for unused trip expenses if you or your immediate family member is hospitalised.
- Medical Expenses: If you get COVID-19 infection abroad, your COVID travel insurance will cover related medical expenses & treatment.
With airlines misplacing baggage so often, it's only fitting that there is a safeguard you can turn to. Many travellers insurance policies also offer the benefits of flight travel insurance like the following:
- Covers Lost Baggage: Flights may misplace your luggage or damage your baggage. An overseas travel insurance plan will help you with necessary personal expenses like clothing, medicines, and toiletries.
- Covers Delayed Baggage: Your tourist insurance will cover purchase of necessary items in case of check-in baggage delay.
You can also personalise your travel and health insurance for improved benefits. Also called 'add-ons', these extra benefits come at some extra premium.
If you need specific protection then these optionals will go a long way to protect you:
- Adventure Sports Cover: This add-on will let you freely enjoy winter sports, adventure activities, etc., while travelling abroad. With this cover, your policy will reimburse various medical expenses because of these activities.
- Home Burglary/Fire Insurance: This cover protects from any loss caused by a break-in, theft, or fire while you are on a trip abroad.
- Emergency Hotel Accommodation: This optional offers hotel stay insurance benefits if your trip extends for any urgent reason.
Please note that the exact benefits vary with insurers. Similarly, travel insurance premiums will also vary from insurer to insurer. Ensure travel insurance price comparison before you pick the best travel insurance from India.
What Does Travel Insurance Not Cover?
Ignoring situations not covered under a travel insurance plan is one of the biggest reasons for claim rejection. Understanding exclusions before buying a travel insurance plan will save you from financial regrets later.
It also helps you decide if the travel insurance quote for your choice of plan fits your budget. Most travel insurance companies in India don’t cover claims because of following reasons:
- Any medical expenses incurred abroad if travelling against the doctor's medical advice
- Expenses for injuries or sickness caused because of intoxication or under alcohol influence
- Treatment costs incurred because of STDs (sexually transmitted diseases) and mental/nervous disorders
- Unless purchasing an add-on, claims related to pregnancy or related complications
- Medical expenses because of alternative treatments such as Homoeopathy, Naturopathy, or Ayurveda
- Any claims related to cosmetic or plastic surgery
- Treatment for self-inflicted injuries, including attempts to suicide or suicide
- Most insurers in India don't offer coverage for pre-existing issues or diseases. Coverage is available with Pre-existing diseases add-on.
- Baggage loss in case luggage is shipped separately or unaccompanied
- Some policies don't cover cases beyond the specified geographic region
- Delay or failure in reporting the lost luggage to the relevant authorities
- Any claims arising from dependency on intoxicants, such as alcohol or drugs
- Claims arising from participation in adventure sports and other winter sports. Coverage for mountaineering, bike races, scuba diving, etc. is available only with specific add-ons
- Loss caused by involvement in illegal activities, theft, felony, etc.
- Damage because of dangerous or hazardous work
- Claims arising because of war-like circumstances, as well as a civil war in the country that you are visiting
- All insurers may not always cover claims from terrorist attacks in your destination city or country.
- Cost of duplicate/new passport if the original was lost and left unattended.
Does Your Travel Insurance Policy Cover COVID-19 Treatment?
Since the 2020 pandemic, coronavirus has become a persistent threat to people. The resurgence of different variants makes it riskier for people, especially those who travel abroad. COVID-19 travel insurance (also called COVID-19 travel insurance) covers many related expenses, including treatment for coronavirus. It also comes with other travel insurance benefits depending upon the plan opted. You can buy travel insurance online with COVID-19 coverage that involves minimal paperwork. Following are some coronavirus-related coverage offered by travel insurance plans in India:
- Emergency hospitalisation expenses because of COVID-19. This includes various healthcare expenses relevant to the treatment.
- Trip extension caused by unexpected lockdowns in the foreign country.
- Many travel insurers cover trip cancellation because of COVID-19 hospitalisation.
Right from your flight to the entire stay abroad, buy the best travel insurance for a safe trip before leaving.
Myths About Travel Insurance
Travelling after months of planning and savings is one of the best feelings. However, one thing travellers easily dismiss is insuring their trip. Travel insurance is a backup during financial difficulties along with 24X7 global support if you need it.
Sadly, many misconceptions about travel insurance discourage people from buying it. We have covered a few of these travel insurance-related myths, along with the proven facts!
Your overseas travel insurance covers not just your health emergencies but other emergencies that will cost you considerably abroad! This can be passport loss, a missed flight, or accidentally damaging someone’s property.
Even if you're fit and fine, nobody can control an accident or a mishap while travelling. In such cases, you’re better off with a travel insurance policy.
Your frequency of travel is unrelated to risks you may face abroad. Frequent travellers or not, you should absolutely safeguard your trip every time you travel.
Those going for single-trip travel insurance can get good benefits without compromising their budget. Benefits like trip cancellation, emergency hospitalisation and many others will surely make your trip stress-free.
Even if you are on a short trip abroad, you shouldn't wait to return home to file a claim or report to your insurer. This includes getting into an accident, losing your wallet, missing bags, stolen passports, etc.
Most insurers need you to inform them about an incident within 24-48 hours. You also need to report these incidents to the police or other local authorities so that you can file a claim back home.
What's more, many insurers won't entertain any claims after a certain period. Generally, this is not more than 31 days after you have returned to India.
Just because there's a general age bracket for eligibility, nobody can deny senior travellers travel insurance protection! Standard plans are available for people aged anywhere between 6 months to 60 years. But you will find plans specially made for senior travellers above 71 years.
Many senior citizen travel insurance plans in India are available for older travellers. Some insurers don’t even have an upper age limit, so you can easily find these travel insurance online.
No matter how short or long your trip is, bad weather, medical emergencies, baggage loss can happen to anyone. Facing such issues on a shorter trip can sour the entire experience. To avoid this, why not let travel medical insurance take care of it? If you have budget restraints, you can easily find cheap travel insurance online that perfectly fits your budget!
Countries Requiring Travel Insurance from India
For most trips abroad, travellers usually treat travel insurance as an additional expense. In reality, buying travel insurance early protects from any last-minute cancellations and the financial loss they entail. Over 30 countries worldwide have made it mandatory for travellers to buy travel insurance before they approve their visas. These include 26 Schengen nations with a rigid requirement of a minimum EUR 30,000 coverage. Turkey, Qatar, UAE, and Seychelles have a mandatory travel medical insurance requirement without which you can't enter the country.
