Travel Insurance

What is Travel Insurance?

Travel insurance is a type of insurance offering financial protection from varying risks associated with travel. It covers losses incurred due to a range of scenarios, such as getting sick or injured, baggage delays by airlines, luggage theft during the trip, trip curtailment, flight delays, etc. Travel insurance covers you from the day your journey begins till you return home.

Most travel insurance plans in India provide coverage for the following:

• Passport Loss: Assistance & Reimbursement for passport replacement if lost/stolen abroad
• Hospitalisation for Accident & Illness: Cashless treatment/reimbursement for emergency health expenses
• Personal Liability: Legal & financial support in case of legal liabilities during your trip
• Emergency Medical Expenses: Costs incurred because of sudden health emergencies (including PED)
• Trip Delay: Compensation for flight delays if more than a certain number of hours
• Missed Connecting Flight: Covers additional expenses (alternate bookings, hotel & food) due to a missed flight
• Delayed or Lost Luggage: Fixed reimbursement for luggage lost/delayed by the airline or baggage theft during trip
• Aircraft Hijacking: Distress allowance in the event of a flight hijack
• Emergency Evacuation: Covers costs of emergency medical evacuation to facilitate urgent treatment
• Repatriation of Mortal Remains: Covers the cost of transporting mortal remains to the insured's home country/town in case of death while travelling
• Trip Cancellation Coverage: Reimbursement for specific non-refundable expenses made for the trip
• Personal Accident: Financial compensation in case of injuries, disability or death caused by an accident during the trip
• Permanent Total Disability (PTD): PTD offers a lump-sum payout in case of a permanent disability due to an accident that results in the inability to work or perform daily activities

Please note that Indian travel insurance companies offer different policies with varied coverage. For more details, always read your travel insurance policy document thoroughly.

Travel Insurance at a Glance

*Final Quote, Duration, Coverage & Procedure will vary with insurer & plan purchased

Is Travel Insurance Mandatory for Travel?

No, travel insurance is not universally mandatory for journeys, but it is highly recommended by many countries.

It is a mandatory requirement for over 35 countries, the most popular being the 29 Schengen countries in Europe, and several other countries like Turkey, Russia, Georgia, Azerbaijan, Moldova, etc.

Countries Where Travel Insurance is Mandatory

There are many countries requiring travel insurance policy before you visit them. These countries don't issue a valid visa unless you provide proof of travel medical insurance from India.

Here is the list of countries requiring travel insurance from Indian visitors:

Even if not mandatory, being insured not only helps with emergencies like medical issues, baggage loss, any last-minute cancellations, passport loss, but also streamlines your visa approval.

6 Reasons Why You Must Get Travel Insurance

When you're far from home, the unexpected can cost more than just money; hence ensuring financial security for trips away from home becomes essential. Here are 6 reasons why travel insurance is non-negotiable:

1. The Only Safeguard for Cancelled Trips

   Flight cancelled? Visa denied? Had to cancel your trip for medical reasons? Travel insurance reimburses you for non-refundable bookings: flights, hotels, tours, and more, if your trip is cancelled for covered reasons.

2. Meets Mandatory Visa Requirement

   Whether in France, Turkey, or Georgia, travel health insurance is a mandatory requirement for all these destinations. Your visa won't be processed if you do not fulfil these criteria.

3. Flight Delays Can Leave You Stranded — We Won't

   Missed connections or long layovers can cost you a lot. International travel insurance will help you get reimbursed for meals, hotels, and transport during covered delays — whether you're stuck in Dubai or waiting out a storm in Frankfurt.

4. Helps During Medical Emergencies

   Medical emergencies overseas can cost you lakhs of rupees. Travel health insurance covers hospitalisation, treatment, and even emergency evacuation, so you only need to worry about getting better.

5. Global Support, 24/7

   Lost your passport? Missed your connection? Facing issues because of language differences? Need help finding a hospital in a new country? Travel insurance plans come with 24/7 global assistance, guiding you in real-time, wherever you are.

6. Lost Your Baggage? You're Not Alone

   You may feel stuck if your baggage gets stolen or is lost by the airline during your trip. Travel insurance reimburses you for the cost of essentials, helping you carve your way out when you have nothing left with you, literally.

Travel Insurance Cost Vs. Real Travel Emergency Expenses

Travelling abroad is fun and exciting, but even a small mishap can cost you a huge amount. A travel insurance policy comes at a fraction of the cost of your trip. The travel insurance premium ranges between INR 600*- INR 3,000* for a 15-day-long trip (Individual plan for 30-year-old, without PED) on Policybazaar.

Here are some real-life scenarios where travel insurance covers some sudden financial emergencies in the most common ways:

Disclaimer: *Approximate expenses may vary with country, hospital, treatment opted and currency rate fluctuations.

Customer Stories: How Travel Insurance Saved the Day

The chances of bad things happening to you may seem low, but when something does go wrong, it may be too late. These are some examples based on true stories and how travel insurance helped these people:

1. The Surgery that Could have Cost Pranav his Degree

   When Pranav went to pursue his MBA in New Zealand, he did not imagine that the short trip to the hospital for severe stomach pain would cost him NZD 9,500 (~ INR 5 lakh).

   Luckily, his student travel insurance covered a major portion of it. Instead of worrying about money, Pranav could focus entirely on his recovery and continuing his studies without disruption.

2. How a Schengen Policy Saved Chitra's Day in Italy

   While on her solo trip in Italy, Chitra's bag was stolen in a busy street market. Without her Schengen travel insurance, this meant additional expenses for an emergency travel certificate, multiple visits to the Indian Embassy, a new passport reissue in India and three extra nights of accommodation before she could leave Italy.

   Her travel insurance not only covered these costs but also automatically extended her policy so that she remained protected during this delay. Overall, she saved nearly INR 22,000 just under the passport loss coverage.

3. When a Cycling Accident Almost Cost an Entire Travel Budget

   When Anamika was cycling through the beautiful, quiet lanes in a Swiss town, she accidentally scraped the side of a faded Mercedes-Benz. The minor-looking damage turned out to be something she was not ready for. The owner made a ruckus for her to pay up for the damage, demanding immediate compensation.

   Thankfully, her travel insurance's personal liability cover stepped in. Swiss repair bills are notoriously high, with the repaint and scratch removal amounting to a whopping INR 1.4 lakhs. Her insurer helped her through the process, covered all legal paperwork and settled the claim swiftly.

Types of Travel Insurance Plans in India

It doesn't matter if you're travelling for leisure or work, studies or pilgrimage, travel insurance is your best safety net for all journeys. Here are the different types of insurance plans in India:

1. International Travel Insurance

   International travel insurance is a safety net for journeys abroad. It protects you financially during your trips outside India. Benefits include medical treatment expenses, dental expenses, flight delays, trip cancellation, loss of passport, personal liability, loss or delay of check-in baggage, and more.

2. Schengen Travel Insurance

   This region-specific policy is mandatory to visit the 29 European countries of the Schengen zone. It is also called Europe travel insurance, and it must be valid throughout the Schengen region with a minimum of EUR 30,000 coverage.

3. Family Travel Insurance

   Travel insurance for family covers you, your spouse, and dependent children. It also covers grandparents and legal relatives, depending on the insurer. All insured family members receive coverage under a combined sum insured. It covers them for emergency hospitalisation expenses, loss of passport, personal liability, loss or delay of check-in baggage, and more.

4. Senior Citizen Travel Insurance

   Travel insurance for seniors covers people of 60 years and above. Standard policies only cover travellers up to 60 years, so travel insurance for senior citizens offers necessary coverage despite a higher risk of falling sick or facing travel-related issues.

5. Student Travel Insurance

   Indians studying abroad can stay protected throughout their studies with highly specialised student travel insurance plans. These are designed for long-term stays and come with unique benefits like sponsor protection, maternity coverage, study interruption, loss of laptop, compassionate visits, etc.

6. Travel Medical Insurance

   These are plans that exclusively cover expenses related to different medical emergencies while you are abroad. Travel health insurance plans include hospitalisation expenses, day-care expenses, dental expenses, medical evacuation, repatriation of mortal remains, compassionate visits, etc.

7. Multi-Trip Travel Insurance

   Business and frequent travellers who travel many times a year can buy an annual multi-trip (AMT) to save time and money. It helps avoid buying a plan multiple times and offers the same benefits on every trip.

8. Single Trip Travel Insurance

   Single-trip insurance protects you for one journey, with coverage starting from the time you leave India and ending when you return home. It covers all-purpose journeys like holidays, business trips, short study courses, conferences, etc.

9. Domestic Travel Insurance

   Domestic travel insurance protects your journey throughout India. Most domestic plans in India cover loss of air/rail ticket, hospitalisation expenses, baggage loss, and personal accidents.

10. Other Types of Travel Insurance Plans in India

    A few insurers also provide additional insurance, which provides some extra coverage:

    Baggage Insurance

    Baggage insurance reimburses the loss of baggage because of theft or any other mishap. Baggage insurance can cover you for delays, damage, loss and even theft outside the airport.

    Flight Insurance

    Flight-related emergencies like flight delays, cancellations or interruptions are common during air travel. This includes many flight-related issues like flight delay, flight cancellation, flight hijacking, baggage delay/damage/loss and more. This can be because of airline's fault or covered reasons like strikes, natural disasters, or medical emergencies. However, these benefits are limited to the carrier's flight or journey duration.

List of Travel Insurance Companies in India

Indian insurers offer plans with varying benefits, coverage limits, duration and cost. It is important to choose the best option for you. While the age eligibility criteria for travel insurance plans range from 01 day to 99 years, key benefits vary with the insurer. Here are the Indian insurance companies offering various travel insurance plans:

*Disclaimer: The list of insurers mentioned is arranged according to the alphabetical order of the names of insurers. For more details on the features, benefits, offered terms and conditions, please read the sales brochure carefully before concluding a sale. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprises insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India, refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

Does Travel Insurance Provide COVID-19 Coverage?

Yes, Indian insurers provide travel insurance plans with COVID-19 coverage. Getting sick because of coronavirus can force you to cancel or cut short your trip, adding to the medical expenses. Travel insurance plans with COVID-19 coverage cover you for many expenses due to coronavirus:

• 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.
• Trip cancellation because of COVID-19 hospitalisation.

Does Travel Insurance Cover Pre-existing Medical Conditions?

No, standard travel insurance plans don't cover PED or pre-existing diseases. Many plans cover these medical conditions only in the event of life-threatening emergencies. Even then, this coverage is limited and you may face many difficulties abroad.

Thankfully, you can still travel abroad with a PED-coverage add-on, which will cover any emergencies related to your health condition. All you need to ensure is that you disclose them honestly while buying the policy. Your insurer will take care of the rest.

Travel Insurance Cost in India

Travel insurance premium is the price you pay to buy your policy. It can cost as low as INR 18/day* on Policybazaar.com. These are a few factors affecting travel insurance premiums:

• Destination - If you travel to a high-risk country, your chances of facing adversities are higher. This means a higher premium to cover you for a higher risk.
• Trip Duration - The longer your trip duration, the higher your travel insurance premium will be.
• Number of Travellers - The policy premium for one person will be lower than that of a policy covering the entire family.
• Add-on Covers - If you opt for add-on covers under your policy, your travel insurance premium amount will increase.

Is There a GST on Travel Insurance Premium?

No, travel insurance plans are GST-free since September 2025. Until September 2025, Goods and Services Tax (GST) amounted to 18% of your travel insurance premium amount.

Your travel insurance premium cost is determined by many factors, including taxes. For example, earlier, if a policy cost INR 2,800, then after an 18% GST, the total premium would be INR 3,304, with an additional cost of INR 504. Now, the same policy will cost you INR 2,800 with 0% GST.

As per the latest GST 2.0, travel insurance premiums are now GST exempt, reducing the overall cost of travel insurance plans in India.

How to Calculate Travel Insurance Premiums Online?

Getting travel insurance quotes from different insurers lets you choose a policy that offers maximum coverage for the least possible premium.

You can also use a travel insurance premium calculator to get an estimate of premium for your insurance plan.

How to Lower Your Travel Insurance Premium?

Use the tips below to lower your travel insurance cost in India:

• Assess Your Activities: Consider the type/purpose of your trip and activities you have planned to ensure you have adequate policy coverage. It should sufficiently cover all your requirements but need not exceed them.
• Customise Your Policy: Try to customise your policy per your requirements so that you only have to pay for the travel insurance benefits that you actually need.
• Multi-Travel Insurance for Frequent Flyers: Buying multi-trip insurance is more affordable if you travel abroad frequently.
• Opt for Family/ Group Travel Insurance Plans: If you are travelling with your family or in a group, opting for a family or group holiday insurance plan, is more cost-effective.

Who is Eligible to Buy Travel Insurance?

Any Indian can buy travel insurance online. You must have a valid Indian ID/passport if you want to buy travel insurance policy, depending on the type of trip.

Foreigners residing in India need to provide a valid Indian work permit or passport.

You may need to meet additional requirements depending on the type of travel insurance (family, senior citizen, student, etc.) you choose:

*Please note that the age bracket varies with insurers.

Travel Insurance KYC

KYC for travel insurance is required to make the purchase. You must keep the following documents ready:

• Passport number, ID proof, like PAN or other government-issued documents

Key Benefits of Online Travel Insurance Comparison

Comparing travel insurance helps you decide on the best financial safety net for your journey. You can decide which policy offers the best coverage for your money.

For example, if you're planning a trip to Norway with your mother and she has no health issues, she can buy a regular senior citizen travel insurance plan. But a 60 year+ traveller with high BP will need a Schengen visa compliant policy with a PED cover.

Here are some key advantages of why you should compare travel insurance online:

• Compare Multiple Options at Once: Easily compare policies online depending on the travel insurance quotes to suit your budget.
• Get Discounts: Many travel insurance companies in India offer discounts sometimes; you can avail of them while comparing your options.
• Helps in Making an Informed Choice: It is cost-effective and wise when you buy travel insurance online after comparison. You can easily understand what is covered or not covered by reading various policies simultaneously.
• Time-saving: Comparing online lets you buy a travel insurance policy quickly through a fair comparison of the ongoing prices.

When & Where to Buy Travel Insurance in India?

Travel insurance experts recommend buying a travel insurance policy within 15 days of booking. Ideally, you should buy travel insurance as soon as you have booked your flight and hotel.

About where to buy your online travel insurance, only you can decide where to buy it from. Wherever you choose to buy travel insurance in India, don't forget to compare travel insurance plans on Policybazaar.com for easy understanding.

How to Buy Online Travel Insurance in India?

You can buy travel insurance online from Policybazaar.com by following these steps:

• Provide Travel Details: Share your basic details like name, mobile number, travel destination, age, and travel dates, etc. to get travel insurance plans accordingly.
• Explore & Select Plan: Select from the list of travel insurance options that fit your needs and budget best.
• Pay Premium: Once finalised, pay online for the travel insurance plan. Use the convenient mode of payment like UPI, credit/debit card, netbanking, etc.
• Get Policy Copy: Your travel insurance policy will be instantly issued and sent to your registered email.

How to Find the Best Travel Insurance in India?

This quick questionnaire will help you pick the best travel insurance in India:

1. How Often Do You Travel?

   If you're someone who takes multiple trips in a year, a multi-trip plan can save you time and money. But if it's just a one-time vacation, a single-trip policy is perfect for you.

2. What is Your Age?

   The older you are, the higher the risk of falling sick or getting injured. Insurers realise this risk and charge accordingly. If you are above 60 years, your travel insurance premium can be higher.

3. Where are You Headed?

   Insurance costs can change depending on your destination. For instance, travel insurance for the USA usually will be higher as it needs higher coverage than, say, Malaysia. Also, some countries mandatorily require travel insurance for visa approval.

4. How Long will You Travel?

   The longer the trip, the more your insurance premium will cost. It's smart to buy a plan that covers a little more than your actual dates, just in case your travel plans change at the last minute.

5. Who's Going with You?

   Travelling alone? Go for an individual plan. If it's a family vacation, a family travel insurance policy is simpler and more affordable. Parents or grandparents above 60 can buy senior citizen travel insurance, but it will be more expensive.

6. Is the Claim Process Smooth?

   Before you buy, take a quick look at the insurer's claim process, reviews on cashless claim settlement, limits, and track record. It's good to know how things work, just in case you need help while you're away.

Travel Insurance Claim Procedure

Buying travel insurance is only the beginning of securing your trip. You should be aware of the travel insurance claim process the moment you realise you're in trouble:

1. Inform Your Insurer
   Informing the travel insurer about your situation within the specified time is also vital to ensure your claim is not rejected or delayed.
2. Document Everything
   From proof of travel to proof of medical bills and pay receipts, you must document everything related to claim expenses.
3. Gather Paperwork
   Find out the list of necessary documents for your claim and keep them ready.
4. Submit Claim Form
   You can file for your travel insurance claim online instead of waiting to return.
5. Follow up Regularly
   You can contact the TPA of the insurer via phone, email or other customer service about your claim.

In case you need help with a claim, you can contact our claims support team through any of the following means:

• Call us on 1800-258-5881
• Mail us at travelclaims@policybazaar.com
• You can also reach out to the insurer directly

Documents Required for Travel Insurance Claim

You need to provide the following documents for different types of travel insurance claims:

Medical Claims

• Claim forms
• Original admission/discharge card, if applicable
• Original Bills, Receipts, Prescription and Reports
• Copy of passport/visa with entry & exit stamp
• Personal ID Proof

Baggage Loss Claims

• Claim forms
• Property Irregularity Report (To be Obtained from Airline)
• Copies of correspondence with the airlines confirming the loss
• Approximate cost of lost items
• Copy of passport/visa with entry & exit stamp
• Personal ID Proof

Trip Related Claims

In Case of Trip Cancellation

• Claim forms
• Medical reports of the insured policyholder, companion or immediate family member
• Details of the amount refunded by the common carrier and the hotel
• Copy of flight ticket
• Copy of passport
• Personal ID proof

In Case of Trip Delay

• Claim forms
• Original bills of expenses incurred during the period of delay
• Copy of ticket & boarding Pass
• Copies of Correspondence with the airline authorities certifying the delay
• Copy of passport/visa with entry & exit stamp
• Personal ID proof

Other Claims

• Claim forms
• Original bills, receipts, and complaint copies
• Copy of passport/visa with entry & exit stamp
• Personal ID proof
• Policy copy

How to Avoid Rejection on Travel Insurance Claim

When you buy a policy to secure your journey, you expect that your travel insurance will come to your rescue in your time of need. However, it can be devastating when your claim is rejected, and you don't get any coverage despite your best efforts.

The key here is the small print of your policy wording. Here are some important pitfalls that can help you avoid travel insurance claim rejection:

1. Incomplete Documentation

   Even if you have a genuine claim, your claim can be delayed and ultimately rejected if you fail to provide the necessary documents. These include hospital records, FIRs, fee receipts, evidence of flight cancellation, etc. You must keep all the invoices, confirmations and communications handy in case something goes wrong during your trip.

2. Claiming for Excluded Events

   Every insurer lists situations they won't cover in any scenario. These are listed under ‘general exclusions', such as pregnancy-related issues, travelling against doctor's advice, pre-existing diseases, etc. If you claim under these, your claim will be rejected. You must study these exclusions before buying your policy so that you know exactly what you're covered for.

3. Not Reporting Incidents Timely

   Incidents like baggage loss, passport theft or medical emergencies need to be reported to the local authorities and insurer immediately. Some incidents need to be reported to the insurer within the stipulated time (24-48 hours) so that they can guide you through the situation and claim formalities promptly.

Can You Extend Your Travel Insurance Policy?

You can extend your travel policy by 1-2 weeks or more, depending on the insurer. However, you must remember some facts:

• You can only ‘Renew' an annual policy. For short-term policies, an extension is available.
• Some overseas travel insurance also offers an automatic policy extension in case of hospitalisation, natural disasters, etc.
• Travel insurance extension requires an additional premium in most cases.
• For a planned extension, inform the insurer as soon as possible. Similarly, pay for the additional travel insurance premium according to the changes to your travel insurance plan.

How to Extend Your Travel Insurance Policy?

If you wish to extend your travel insurance policy, you must contact your insurer before the policy expires. The steps for travel insurance policy extension are simple:

• Check your existing policy date and terms.
• Contact your insurer.
• Submit necessary documents (current policy, ID, travel documents, etc.).
• Pay the premium and confirm your policy extension.

Myth-Busting: 12 Travel Insurance Myths That Could Ruin Your Trip

Many misunderstandings about travel insurance discourage people from buying it. We have covered a few of these travel insurance-related myths, along with their facts!

1. Myth: I only need Travel Insurance for Expensive Trips

   The Reality: Disasters Don't Check the Price Tag

   Emergencies and accidents can occur on any trip, including within India or less expensive countries. Even a hairline fracture in Thailand can cost you up to USD 5,000, which can cost you more than your flight tickets!

2. Myth: I'm Young and Fit, So Travel Insurance is Useless!

   The Reality: You can't control every situation!

   You can still lose your passport, miss a flight, or accidentally damage someone's property. Other than medical emergencies, your travel insurance also covers trip- and stay-related complications that can cost you a lot of money abroad!

3. Myth: Travel Insurance is Only Useful for Frequent Travellers

   The Reality: Risk is not related to frequency

   All it takes is one thing to go wrong, and it can happen even before your trip begins. You can get single-trip travel insurance with good benefits without compromising their budget. Benefits like trip cancellation, emergency hospitalisation and many others will surely make your trip stress-free.

4. Myth: Travel Insurance will Cover all my Risky Sports Abroad

   The Reality: Adventure sports need special coverage

   Travel insurance does not cover risky sports unless you specifically buy an add-on for adventure sports. For example, some policies may cover you for skiing and scuba diving, while a few may not. More importantly, if you are participating professionally in any adventure sport, you won't be covered.

5. Myth: I Can Report Any Accident & File a Claim Once I'm Back in India

   The Reality: Timeline matters a lot in insurance claims

   Most insurers need you to inform them about an incident within 24-48 hours. 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.

   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 30 days from your returned to India.

6. Myth: Airlines Will Compensate for Flight or Baggage Delays

   The Reality: Who will cover travel emergencies beyond flight and luggage?

   While the airlines may partly (or fully) compensate for flight delays, baggage delay/loss or flight cancellations, it will not cover for any risks or emergencies you may face abroad, such as medical emergencies, loss of documents, stay extension, etc.

7. Myth: Old People Can't Buy Travel Insurance Policies

   The Reality: Age is just a number, special plans available for elderly

   While standard travel cover people aged between 6 months to 60 years Indian insurance market is very segmented. You can easily find plans specially made for senior travellers above 71 years.

   Some insurers don't even have an upper age limit, so you can easily buy senior citizen travel insurance online.

8. Myth: My Credit Card Already Covers Me, I don't Need More

   The Reality: Credit card offers limited coverage

   Most credit card travel insurance coverage is limited to your flight duration or provides benefits like airport lounge access, loss or theft of credit card, and air accident cover. Crucial coverage is often excluded:

   • Comprehensive medical expenses cover including PED
   • Passport/baggage loss
   • Personal liability
   • Trip cancellation

9. Myth: Travel Insurance is Costly

   The Reality: It costs a fraction of your entire trip

   Once you understand the scale of financial risks, you will find travel insurance much cheaper. If you compare the cost of medical bills incurred abroad and the premium cost for travel insurance, you will see that travel insurance is not at all expensive. Instead it is a fraction of what the uncertain expenses may look like.

10. Myth: Travel Insurance Automatically Covers My Family

    The Reality: You must specify every member

    ‘Family' travel insurance does not cover your entire family unless you specify them individually. You must add your spouse and dependent children to the policy.

    If you are travelling with your elderly parents or parents-in-law, you must confirm with the insurer if they are covered or not. If you have dependent children, your travel insurance will only cover them until a certain age.

11. Myth: It's Just a 3-day Trip, I Don't Need to Waste Money on Travel Insurance

    Reality: Troubles don't knock before arriving

    No matter how short or long your trip is, bad weather, medical emergencies, and baggage loss can happen to anyone. Facing such issues on a shorter trip can sour the entire experience.

    If you have budget restraints, you can easily find cheap travel insurance online that perfectly fits your budget!

12. Myth: Travel Insurance Always Rejects Claims

    Reality: Claim rejections are mostly avoidable

    Insurers reject claims because of incorrect/misleading information or if a claim is beyond the plan coverage. All the insurers specify scenarios where you won't get insurance coverage. Your claim can also be rejected if they are related to an undeclared pre-existing condition.

Decoding Travel Insurance Terms

Trouble understanding something? You can check the travel insurance glossary provided in policy wording. Here are some of the most common travel insurance terms simplified for you:

Claim & Payout Terms

These are some technicalities to know well before you start comparing travel insurance plans online:

Core Coverage Terms

Understanding these terms are important to understand your policy and coverage before you buy it:

Medical & Emergency Assistance

These terms relate specifically to your health and safety abroad.

Trip & Baggage Related Terms

These terms cover disruptions to your travel itinerary.