Travel insurance offers global coverage against medical expenses including COVID-19 treatment and travel-related adversities such as baggage loss or passport loss that you may face during your trip. It helps you to tackle unforeseen emergencies that can spoil your trip.
A travel insurance policy is a popular choice among people travelling on vacations, business trips, or for studies. It covers your medical expenses and other risks so that you can enjoy your trip hassle-free.
Travel insurance provides a safety net against any unwanted expenses resulting from unforeseen events, such as a medical emergency, baggage loss, accident or passport loss that would otherwise ruin your trip. It also offers medical coverage for COVID-19 and involves no paperwork.
Buying a comprehensive travel insurance policy will secure you from any loss/damage incurred during your trip, which would create a financial burden otherwise. It will essentially secure you and provide coverage under the following circumstances:
Loss of Passport
Loss of Checked-in Baggage
Theft/Loss of Personal Belongings
Trip Cancellation & Curtailment
While travelling abroad, you surely would want to come back home with a bucket of happy memories. Right from your first flight to the stay and the return journey, you can ensure a safe and hassle-free trip with travel insurance.
As the effect of Covid-19 weakens, several countries have started accepting Visa of Indian passport holders. There are now 9 countries that have started accepting Visas for non-essential travel. The availability of options makes decision-making very easy for travellers.
Let us tell you about the countries and the conditions related to Covid-19.
Switzerland: Switzerland has opened tourist and business visa categories. You can apply for a short-stay visa if your trip lasts up to 90 days. This is known as a standard Schengen Visa. You will have to fill an application to apply for this visa. The fee for adults is 80 Euros and for minors 40 Euros. There is no visa fee for kids less than 6 years of age. FYI, 1 Swiss Franc= INR 80.87.
Croatia: Indian Diplomat/official Indian passport holders can enter, stay, travel, and leave the country for up to 30 days without Visa. The Visa fee is $69. FYI, 1 Croatian Kuna= INR 11.81. Croatia does not fall inside the “Schengen Area”. Croatia has opened the tourist and business visa categories. However, the country allows entry to the Uniform Visa (C) holder for multiple entries. This is valid for all Schengen area states. However, a Single entry Schengen Visa is not valid to get entry into the country. If you are traveling to Dubrovnik from other parts of Croatia by road then you will have to cross through the Herzegovina border. While crossing these two borders, you must either have a hold of Multiple Entry Schengen or Multiple Entry Croatian Visa.
Saudi Arabia: Saudi Arabia has opened Business, employment, residents, and family visit visa categories for Indian passport holders. FYI, 1 Saudi Riyal= INR19.92. The Visa fee for tourists is SR 453 and for business SR 878.
United Arab Emirates: UAE has opened the tourist and business Visa categories for Indian passport holders. If you are passing through the Dubai International Airport for a minimum of 5 hours then you can obtain a 96 hours Dubai Visa if you want to have a city tour. FYI, 1 UAE Dirham = INR 20.34. The Visa fee is 14 days single entry tourist visa as well as a health insurance policy that provides cover for Covid-19 that will cost you AED550. The process can take up to 2-4 days with a stay period of 14 days and the validity is 58 days.
Morocco: Morocco opened the business as well as tourists visa categories and the Visa fee for a single entry is INR 4,800. 1 Moroccan Dirham = INR 8.35.
Bangladesh: Bangladesh opened the tourist and employee Visa categories. People with Indian passports can enter the country without paying any fee. FYI, 1 Bangladesh Taka= INR 0.88.
Norway: Visa Facilitation Services restarted accepting Visa applications for Norway. You can apply for your Visa and send the application from Mumbai on Wednesday from 8 AM to 2 PM. If you are applying from Bengaluru then you can do it every Monday from 9 AM to 3 PM. FYI, 1 Norwegian Krone= INR 8.60.
Canada: Canada has suspended direct flights from India until July 21, 2021, but the country has started accepting Visa applications and passport submission services from July 5, 2021. VFS Global will contact the tourists who have completed their 2-way courier process before lockdown. For all visa categories, appointments through biometric are available from June 28 as per the High Commission of Canada. Travellers must submit their vaccination reports starting July 5 in English or French. Those who are fully vaccinated will not have to go through a federal quarantine. Those who got vaccinated by the vaccine approved by the Government of Canada will be accepted.
Netherlands: Indian Passport holders can apply for The Netherland’s VISA. For select vis categories you can apply for the Visa across six cities in India. Starting from July 1, 2021, those who are fully vaccinated will be allowed to enter the country no matter the purpose of their travel. You will have to present a vaccine declaration along with Visa application. FYI 1 Euro= INR 88.37.
The Government of Dubai relaxed travel restrictions with effect from June 23 for Indian, South African, and Nigerian travellers. In late April, Dubai closed its borders for Indian travellers. The decision was taken due to the increment in the number of Covid-19 cases in India during the second wave.
As per Dubai Government, Indian travellers who have a valid residence visa and received both doses of the vaccine approved by the UAE can get inside the country. The vaccines approved by UAE are Pfizer, Sputnik V, Sinopharm, and Oxford AstraZeneca.
The passengers eligible to travel from India to Dubai will have to show a negative RT-PCR report taken 48 hours before departure. Also, the Indian passengers will have to take a rapid PCR test 4 hours before departure and then again undergo an RT-PCR test on arrival in Dubai. Until the PCR test results arrive which is expected to come within 24 hours, the passenger will have to undergo institutional quarantine.
UAE citizens and diplomats are spared from institutional quarantine. Also, QR-coded negative PCR test reports are accepted. For Nigerian and South African travellers, the travel requirements remain the same.
As per the announcement made by the German Ambassador, Indian passengers can enter Lebanon starting July 12, as the Lebanese Government has lifted travel restrictions. Apart from India, Lebanon has lifted the travel restrictions on several countries like Brazil, Zambia, Kenya, Liberia, Sierra Leone, UAE, Ethiopia, Gambia, and Malwai.
In a press conference, Lebanon’s Civil Aviation Department stated that all passengers from India except those under 12 years of age are allowed to enter the country. The passengers will have to show negative PCR reports not older than 96 hours and they will have to take another PCR test on arrival. The passengers will be charged USD50 for the PCR test on arrival.
The passenger will have to prebook hotel rooms that are listed by the Lebanese government and have to go through a mandatory quarantine of 4 days/3 nights. Post quarantine, they will have to undergo another PCR test and pay for it themselves.
Passengers who have been vaccinated with both Covid-19 doses 2 weeks before their departure to Lebanon will not have to show negative PCR reports on arrival. Also, passengers who were infected by Covid-19 within 90 days before their departure will not have to show a Covid-19 test report but they would still have to undergo a mandatory Covid-19 test on arrival and serve a quarantine period.
Those who have got one dosage of Covid-19 vaccine 2 weeks before their departure from India to Lebanon will not necessarily have to serve the quarantine period. Passengers below 18 years of age travelling without any guardian will be spared from quarantine.
The first of its kind private train on Indian Railways Tejas Express, which started its services recently, is offering trip insurance policies to its passengers free of cost. The offer is valid for the passengers travelling in Lucknow-New Delhi and Mumbai-Ahmedabad Tejas Express, which includes trip insurance of worth Rs. 25 lakh, along with a partial refund for train delays.
In case the train is delayed for more than 1 hour, the passengers will be provided with a refund of Rs 100 and Rs 250 up to a delay of 2 hours. This is further clubbed with a house theft cover and all these are categorised into IRCTC’s three-pronged travel policies, designed for Tejas Express. The claim can be initiated by intimating the insurance provider about the loss or mishappening. The claim can be registered by calling on the toll-free number or through the registered post. Upon the submission of required proof and documents, the insurer will settle the claim amount in 2 to 3 days.
If you’re planning to visit to Thailand in the future, you might need to purchase a special trip insurance policy once you land in the country. According to reports, Thailand is likely to make trip insurance mandatory for visitors to the country.
This would be implemented most likely later in 2019. All the earnings and profits from the same will go to the Tourism Promotion Fund of Thailand that will be used to cover payments in the event of a claim.
However, this would be implemented after getting approval from the Ministry of Tourism and Sports. You can purchase this insurance at the immigration office at the Thailand airports that would offer a cover of up to 1 M baht (Rs. 23,50,850) in the event of death.
In this digital era, buying a travel insurance policy online comes with several benefits. Take a look at some of the reasons why you should buy travel insurance online:
Convenient - Buying a travel insurance policy online is more convenient as you can purchase it from your home/office at any time. All you need is a mobile or laptop to secure your trip with a travel policy.
Online Plan Comparison - When buying travel insurance online, you can easily compare plans offered by different insurers in one place. This is necessary because multiple insurance companies are offering impressive travel plans that can make it difficult for you to choose the best plan. Online plan comparison can help you to identify the most suitable plan for your trip at a pocket-friendly price.
No Need for Insurance Agents - You no longer need to rely on an insurance agent to buy travel insurance. You can find the best travel plan within your budget on your own by comparing different plans online.
Affordable - Buying travel insurance online is more affordable as you do not need to contact an agent or visit the insurer’s office. In fact, insurance companies charge lower premiums online as their operational costs also reduce.
Minimal Documentation - While purchasing a travel policy online, you do not need to fill several forms and submit multiple documents. All you need to do is fill up your details on the online form to buy the policy.
Contactless Buying - In this era of the COVID-19 pandemic where social distancing is the norm, you can buy a travel insurance policy online without coming in contact with any person. You also don’t need to submit any hard copies of documents while buying the policy online.
Instant Policy Purchase - The process of buying travel insurance online is faster as the policy is issued almost instantly. You also don’t need to visit the insurer’s office to buy your policy.
Countries that Need International Travel Insurance Policy
Key Features of Travel Insurance Policies in India
A travel insurance policy is designed to cater to the needs of every traveller whether flying domestic or international and safeguard them against any financial loss in case of unforeseen event/mishap. With so many alternatives available in the market, let us have a look at the key features of a travel insurance policy provided by general insurance companies in India:
Emergency Hospitalization & Medical Treatment - Nobody can rule out the possibility of a medical emergency while travelling. By insuring your journey, you can stay assured as all your hospitalization and treatment expenses will be taken care of by your insurer.
Compensation for Flight-Related Adversities - Facing any adversities related to your flight is very common and chances of facing it increase if you are travelling abroad. Whether there has been a flight delay leading to a missed connecting flight or a delay or loss of baggage by your airline, your insurer will compensate for the losses you have incurred.
Trip-Related Adversities - Nobody knows when an emergency can hinder your travel plans and would force you to delay or cancel your trip. Travel insurance provides coverage for unforeseen trip delays or trip cancellations.
Cashless Hospitalization Facility - If you get hospitalized or are availing medical treatment at an empanelled hospital of your insurer, you can receive cashless treatment service under your international travel insurance plan in which all your medical bills will be settled directly by your insurer. You would not have to pay at the hospital for any covered treatment.
Customized Policies for Senior Citizens - While travelling, the needs of senior citizens are way different from the needs of other kinds of travellers. Taking cognizance of this fact, most insurance companies offer customized travel insurance policies for elderly people who are travelling within India or abroad.
Available for Frequent Flyers - Buying an insurance policy for each journey can turn out to be pretty expensive for people who travel frequently or multiple times in a year. To ensure that such frequent flyers enjoy the perks of travel insurance plans on each journey without spending a fortune, insurance providers offer multi-trip policies with a year-long validity.
Types of Travel Insurance Plans in India
While buying a travel insurance policy is important to ensure a hassle-free journey, it is more crucial to understand the various types of insurance policies offered to travellers in India before buying. Different types of travel plans have been designed to cater to the needs of people of all ages be it a child, adult, student or senior citizen.
Let us take you through the different types of travel insurance plans available in India:
This type of insurance plan is meant for people travelling within the geographical borders of India. It financially protects individuals as well as families travelling within the Indian states from unforeseen travel emergencies. It provides coverage including medical cover, loss of baggage and personal accident cover amongst others.
This type of insurance plan covers individuals and families travelling overseas. It provides a wide range of coverage including medical expenses, dental expenses, financial cash assistance, flight delays, trip cancellation, loss of passport, personal liability, loss or delay of check-in baggage and hijack distress allowance. Several insurers also offer home insurance to the traveller’s house back in India as a part of this insurance plan.
It is a customized overseas travel insurance online plan that covers people travelling to one or more than one Schengen country. It protects the insured travellers from any unforeseen emergencies that may lead to incurring financial losses. Some of the most common coverage provided under this type of trip/travel insurance includes medical cover, loss of passport, delay in check-in baggage arrival, loss of check-in baggage, personal liability, personal accident cover and accidental death & dismemberment (common carrier).
This type of insurance plan is designed especially for families travelling overseas together. It usually covers the policyholder, his/ her spouse and his dependent children. The sum insured is mostly available on both individual and family floater basis. All insured members of a family can avail covers including medical expenses, loss of passport, personal liability, loss or delay of check-in baggage and many more.
This type of insurance plan has been tailor-made, especially, for elderly people. Most travel insurance companies cover travellers above the age of 60 years under such policies just like health insurance. It protects such travellers from unpredictable financial emergencies, including medical expenses, dental expenses, repatriation of mortal remains, loss or delay of check-in baggage, medical evacuation, etc. just like an international travel insurance plan.
It is a student-friendly insurance plan that has been customized for Indians travelling abroad to study. It comes with an extended validity of up to 2 years. Apart from the basic coverage of an overseas travel insurance plan, it also provides the students with covers including sponsor protection, study interruption, medical evacuation, bail bond and two-way compassionate visit for the insured and the family member amongst others.
This type of insurance plan has been designed to cater to the needs of corporates travelling for business purposes. It usually has a validity of up to 1 year that allows the insured traveller to undertake several journeys. It includes covers such as flight delay, medical expenses, loss of baggage, missed connecting flight, etc.
It is a comprehensive insurance plan meant for people travelling together in groups. It is usually opted by people organizing tour groups, industrial training, official tours or pilgrimage tours. Many insurance providers offer such policies to people travelling within India as well as abroad. It usually provides personal accident and baggage cover. However, the exact extent of coverage depends on the insurer.
It refers to the insurance plan that provides extensive medical coverage to insured travellers during their journey. It offers financial assistance in case a medical emergency occurs while travelling international and may lead to hospitalization. Such policies mostly cover hospitalization expenses, daycare expenses, dental expenses, medical evacuation expenses and the cost of repatriation of mortal remains amongst others.
This type of insurance plan is meant for people who undertake multiple overseas journeys in a year. It offers the same level of benefits on every trip without the need of buying a new policy before each journey. Thus, a traveller ends up saving large sums of money by buying a multi-travel insurance policy. It is mostly purchased by people who go abroad frequently for business purposes.
This type of insurance plan provides protection to the insured traveller only for one single journey. Its validity begins with the start of the journey and ends with its culmination on returning home. This international travel insurance comes with a host of coverage that consists of medical cover as well as non-medical covers such as delay or loss of check-in baggage, personal liability, etc.
Baggage Insurance comes into the picture when you lose your baggage during your journey due to theft or any other mishap. The losses incurred due to such mishaps might put you in some really big troubles and ruin your trip. In order to get compensated for the damage or loss to your luggage while travelling, you can always rely on baggage insurance.
It is a custom-made insurance plan that covers an insured traveller from any unforeseen flight-related emergencies faced while travelling. It protects him from any adversity caused during the flight or due to the fault of the airline or their staff. It provides comprehensive coverage of both health insurance and baggage insurance, which includes flight delay, medical cover, accidental death & dismemberment cover, delay or loss of check-in baggage, flight cancellation, flight hijack and missed connection flight.
Best Travel Insurance Plans in India by Top Insurance Companies
Take a look at some of the best travel insurance plans offered by top insurance companies in India:
Travel Insurance Companies
Aditya Birla Travel Insurance
Medical expenses cover
Automatic policy extension
Bajaj Allianz Travel Insurance
06 months to 70 years
Overseas COVID-19 coverage
Loss of baggage/passport
Bharti AXA Travel Insurance
03 months to 85 years
Emergency financial assistance
Care Travel Insurance
01 day and above
Upgradation to business class
Adventure sports cover
Chola MS Travel Insurance
03 months to 80 years
Overseas medical expenses
Loss of international driving license
Digit Travel Insurance
03 months to 99 years
Emergency medical treatment
Adventure sports cover
Future Generali Travel Insurance
06 months to 80 years
Medical expenses cover
Baggage delay/ loss
IFFCO Tokio Travel Insurance
Overseas medical expenses
Hospital daily allowance
National Travel Insurance
Medical expenses cover
New India Travel Insurance
06 months to 70 years
Delay of check-in baggage
Oriental Travel Insurance
06 months to 70 years
Overseas medical expenses
Reliance Travel Insurance
06 months to 70 years
Home burglary insurance
Royal Sundaram Travel Insurance
91 days and above
Political risk & catastrophe evacuation
SBI Travel Insurance
06 months to 70 years
Emergency medical treatment
Shriram Travel Insurance
90 days to 65 years
Medical expenses cover
Loss of passport
Hijack distress allowance
Star Travel Insurance
06 months to 70 years
Emergency medical expenses
Flight delays and cancellation
Tata AIG Travel Insurance
06 months to 70 years
Bounced flight/hotel bookings
Automatic trip extension
United India Travel Insurance
5 years to 80 years
Hospital daily allowance
Universal Sompo Travel Insurance
01 day to 70 years
Emergency medical expenses
See More Plans
Eligibility Criteria for Travel Insurance Plans
In the below table, the basic eligibility criteria for different types of travel policies offered by insurance companies in India are mentioned:
Travel Insurance Plan
Family Travel Insurance
Self, Spouse and up to 2 dependent children
Adults between the ages of 18 years to 60 years
Children between the ages of 6 months to 21 years
Senior Citizen Travel Insurance
People above 60 years of age
Student Travel Insurance
People between the ages of 16 years to 35 years
Group Travel Insurance
A minimum of 10 members to be covered
*The eligibility criteria may vary from one insurance provider to another.
Advantages of Buying a Travel Insurance Policy?
In recent times, there has been a paradigm shift in the perception of travelling. People no longer wait for their summer or winter vacation to go for an outstation journey. They instead try to undertake multiple vacations in a year with an aim to explore new places. For the salaried class, travelling is an escape from their everyday stressful and monotonous life. This makes insuring your journey even more prudent to cover yourself from any unfortunate incident that has the potential of spoiling it or causing losses.
If you still weighing your options, take a look at why buying the best travel insurance online is a wonderful idea:
Emergency Medical Expenses - The cost of medical treatment abroad is not the same as in India. In fact, countries like the USA are famous for skyrocketing medical services. But if you have insured your journey, all your medical expenses will be covered up to the sum insured limit in case of hospitalization due to an illness or accident abroad. It will also arrange an emergency medical evacuation to a hospital if required.
Cashless Treatment Facility - If your trip is covered with travel insurance, being admitted to a network hospital can help you avail of cashless medical services across the globe.
Fulfils Mandatory Requirement - Several countries around the world have made it mandatory to possess valid travel insurance in order to apply for a visa for that country. For instance, you need to insure your journey if you want to apply for the Schengen visa. So if you want to visit any such country, you will be able to obtain a visa after buying one of the best travel insurance plans available in India.
Helping Hand in Remote Areas - Insuring your journey can turn out to be useful even if you are travelling to remote parts of India or abroad. In case you need emergency medical services in areas with poor medical facilities, your insurer can evacuate you to the nearest city or country and help you get medical treatment on time.
Stress-Free Trip - An outstation journey can come with its share of uncertainties and cause a lot of stress to the travellers if an unforeseen incident occurs. But if you have your journey insured, all your emergencies can be taken care of by your insurer and you wouldn’t have to worry about a thing.
Flight-related Complicacies - A lot of times you get stuck due to flight or airline-related issues that upset your trip itinerary. Whether there has been a flight delay, checked-in baggage loss/ delay, missed connecting flight or flight hijack, you will be adequately compensated if you have insured your journey.
Coverage for All - A travel insurance policy offers customized coverage to travellers of all ages, be it an adult, child, student or senior citizen.
Protects the Entire Family - A family insurance not only offers protection to you but to each member of your family while travelling. Most insurance companies allow you to choose the sum insured on an individual and family floater basis.
Replacement of Lost or Stolen Baggage - In case of loss of baggage or theft of your belongings from your baggage while travelling overseas, your insurer will compensate you for your loss.
Pays for Personal Liability - In case an unfortunate incident abroad result in a legal liability being imposed on you, your insurer will pay off your liabilities and cover any legal court expenses that you may incur.
Emergency Cash Assistance - In case you get robbed of your money during your stay abroad, your insurer will come to your rescue and arrange emergency cash for you.
Global Coverage - Most travel insurance plans provide global coverage no matter which country you are travelling to.
Home Burglary Coverage - Some travel plans also offer home burglary insurance while you are on a trip abroad. It compensates you if your house gets burgled or robbed in your absence.
How to Buy Best Travel Insurance Policy Online?
In the case of adversity during your trip, your insurance company will help you out. The challenge is to pick the best travel insurance policy amongst the plans provided by the different travel insurance companies in India. You must opt for an insurance policy that provides you with maximum coverage against the risks that you may encounter while travelling. It is better if you buy the insurance policy online as it is a faster, more convenient and hassle-free process.
Follow the steps given below to buy travel insurance online:
Visit the website offering travel insurance
Go to the option of buying travel insurance online
Fill in the details of your trip in the form
Choose the travel insurance plan you want to buy
Pay the premium amount online
Your travel insurance policy will be issued
What Does Travel Insurance Cover?
A travel insurance policy provides coverage for all primary concerns of a person while travelling, such as medical emergencies, trip cancellations, loss of checked-in baggage, travel delays, passport loss, etc. It mostly provides comprehensive coverage to travellers against any event that may lead to financial loss before or during the trip.
Take a look below to understand the various travel insurance coverage:
Cover for a Cancelled Trip: A trip cancellation coverage will shield you from any prepaid or non-refundable expenses in case your journey is cancelled due to the following circumstances:
Any major illness/injury or demise within the family or of your journey companion
Bad atmospheric/weather conditions, which act as a barrier for you to reach the destination
A terrorist attack at the destination where you are travelling
Cover for Trip Delay: If in case your flight gets delayed or you miss your connecting flight because of a reason, which is beyond your control, such as a mechanical breakdown of the flight, bad weather condition, and so on then having this cover will secure you for the incurred expenses. Moreover, this cover will also compensate for the meals and accommodation-related expenses as per the delay period.
Loss of Passport: While travelling abroad, there can be a situation where your bag that had your passport gets stolen. This cover will reimburse the expenses incurred towards obtaining a new or duplicate passport up to the sum insured limit.
Repatriation of Mortal Remains: If unfortunately, the insured dies in the middle of his/her trip, it could be heartbreaking for the family. Besides, bringing back the mortal remains of the demised person could be a challenging task and financially draining as well. Completing the formalities in regards to the same will also become a task. However, a cover for repatriation of mortal remains will take care of these challenges and the deceased’s mortal remains will be brought to the country completing all the formalities associated with it and cover the expenses incurred towards the same.
Cover for Delayed/Loss of Baggage: This is an international travel insurance coverage, which should be opted for by every traveller, as it will protect you in case of the loss of any of your items or delay in checked-in baggage delivery by the common carrier. Having this benefit will not cover the actual price of the items that are delayed. But in case of complete loss/damage of the luggage, you will be reimbursed to replace the items lost. The coverage may vary from insurer to insurer in India.
Cover for any Medical-Related Emergency: There is a possibility that you might get sick or injured while you were on a vacation abroad. Having medical-related emergency coverage will secure you from any cost incurred on any treatment or hospitalization while travelling. Having this coverage essentially includes any ambulance related services, physician or medical consultant services, diagnosis charges, hospital charges, and so on just like health insurance.
Emergency Medical Evacuation: This coverage helps you when you need immediate medical assistance/ attention. It ensures that a transport arrangement is made for a nearby hospital under a medical emergency and if required, you will be sent to your native country on medical grounds as per the discretion of the doctors.
Hijack Distress Allowance: On the off chance, having this insurance coverage will provide you with compensation in case your flight/ common carrier gets hijacked causing distress to you.
Compassionate Visit: If you fall ill/sick and are hospitalized during your trip, an immediate family member may be required at the foreign location as per the medical practitioners. Here this cover will come useful as it will pay for the expenses incurred towards the transportation and accommodation for your immediate family member while travelling.
Accidental Death and Disability: If under any unfortunate circumstances, the insured passes away or suffers a disablement whether permanent or temporary, having this coverage will provide compensation up to the sum insured to the family for the loss.
Home Burglary - If your house gets burgled while you are vacationing outside the city, your insurer will pay for the loss or damages incurred due to the robbery up to the sum insured limit.
Does Travel Insurance Cover Coronavirus (COVID-19) Disease in India?
The novel coronavirus disease or COVID-19 is a new strain of viral infection that has infected 1,73,344 people across 152 countries or territories across the world and has claimed 7,019 lives (as of 17 March 2020). The disease, first, originated in Wuhan City of China’s Hubei province in late December 2019. On 11th March 2020, the World Health Organisation (WHO) declared coronavirus disease as a pandemic. India has recorded 137 confirmed cases of COVID-19, out of which there have been three fatalities (as of 17 March 2020).
Governments across the globe have put travel restrictions and are discouraging their citizens from making any non-essential travel abroad, especially to a coronavirus-affected country, unless the situation comes under control.
Amidst this grave situation, many people are wondering whether travel insurance would come to their rescue financially if they cancel their overseas travel or they get infected with the virus. If they are put under quarantine, will their travel policy cover the charges?
The answer is YES and NO. The international travel insurance plan covers coronavirus disease but under certain conditions only. Here is a list of situations where coronavirus pandemic is covered or excluded under a travel insurance policy:
Emergency Medical Treatment
Insurance companies in India will cover any emergency medical expenses incurred by the insured on his treatment for coronavirus disease in a hassle-free manner. People who had purchased their individual, family or senior citizen travel insurance policy before the travel restrictions were put in place will continue to be covered for the emergency medical expenses incurred on the treatment of the disease. This cover is available for both international as well as domestic travel. The claims will be made as per the terms and conditions of the policy at the time of its purchase.
Overseas Trip Delays/ Cancellations
Insurers will cover any trip delay or cancellation claim due to the outbreak of coronavirus disease if the policy was purchased before the travel ban had been imposed by the government. Similar to the medical expenses cover, the claim amount for this cover will also be settled as per the terms and conditions of the policy at the time of buying.
However, trip delay/ cancellation cover is only available on existing travel policies and not on new policy purchases. People who plan to purchase travel insurance for their overseas trip to a coronavirus affected country, despite government advisory, will not be covered by their insurer. In fact, any claims related to coronavirus will be most likely be excluded from the policy in such situations.
Currently, Indians are have been strictly advised to avoid travelling to China, Italy, South Korea, Iran, Spain, France, Germany and Japan until 31 March 2020. Moreover, the Directorate General of Civil Aviation (DGCA) has also banned foreigners and Indian citizens arriving from the United Kingdom, European Union and Turkey from entering the country with effect from 18 March 2020 to 31 March 2020.
Domestic Trip Delays & Baggage Loss
A domestic travel insurance policy will cover any trip delays/baggage loss for travel within India as a result of the outbreak of coronavirus disease. The terms and conditions of the policy will remain the same as it was at the time of its purchase.
Exclusions of Travel Insurance Plans
Most travel insurance policies do not cover any claims arising out of the following reasons:
Liquor, Drugs - Any claims arising due to dependency on intoxicants, including alcohol or drugs, will not be covered by your insurer. Even treatment expenses for injuries or illnesses caused while you were under the influence of alcohol will not be covered.
War, Civil War or Terrorism - The insurer will not cover any claims arising due to war-like situations including a civil war in the country that you are visiting. It also does not cover any claims arising due to terrorist attacks in the destination country or city.
HIV AIDS - Treatment expenses for HIV AIDS is usually not covered by most insurers in India.
Alternative treatment - Most travel insurance does not cover alternative treatment expenses including Ayurveda and homeopathy.
Cosmetic Treatment - Any claims arising out of your cosmetic surgery will not be covered by your insurer.
Adventure Sports - Many insurers do not cover any claims arising out of your participation in adventure sports activities including scuba diving, mountaineering, bike race, etc.
Suicide or Self-Inflicted Injury - Any claims arising out of an injury or treatment related to a self-inflicted injury, including suicide or attempt to suicide, would not be covered by your insurer.
Pre-existing Diseases - Even the top insurance companies in India do not cover pre-existing diseases under travel plans.
Loss of Passport When Left Unattended - An insurance provider will not cover the expenses incurred on obtaining a new or duplicate passport if you lose your original passport abroad because of leaving it unattended.
Loss of Baggage Shipped Separately - An international travel insurance policy will not cover baggage loss if your luggage is shipped separately and is not accompanied by you.
Travelling Against Medical Advice - If you are travelling outstation or abroad against the medical advice of the doctor, then any medical treatment expenses incurred while travelling will not be covered by the insurer.
Additional Coverage under Travel Insurance Plans
Many travel insurance policies offer add-on benefits if you opt for additional coverage. These benefits can be chosen for an extra precautionary layer of protection. These additional covers can be obtained while purchasing the best travel insurance online on payment of an extra premium amount to the insurance company.
Here are a few optional/ add-on coverage that can be purchased at the time of insuring your journey:
High-risk/adventure sports activities
Coverage for visiting war-prone destinations
Pre-existing illnesses/ conditions
Enhanced Accidental Death and Dismemberment (AD&D) cover
Third-party supplier insolvency
How to Calculate Travel Insurance Premium Online?
A travel insurance policy is an extremely important document if you wish to stay financially protected from any eventualities while travelling domestic or international. Every traveller should opt for a policy that provides maximum coverage for the least possible premium.
In order to find out the premium payable for a particular travel insurance plan by an insurance provider, you would have to use a travel insurance premium calculator. A premium calculator is an internet-based tool that gives you an estimate of the premium cost for a particular insurance plan. Make sure to use this calculator before you buy the best travel insurance online.
An insurance premium calculator will give you a premium estimate if you enter the required details including the sum insured amount, age, destination city/ country, frequency of travelling, dates, etc. While entering the destination details, select specific countries or areas like Schengen, Asia, USA and Canada, etc as per your destination. You might have to enter the dates on which you will be travelling and whether you need a single or multi-trip policy. You will also be required to enter the number of travellers as well as the age of all the travellers.
After you have entered all the details, the insurance premium calculator will give you an estimated premium amount for your journey. Moreover, this premium calculator also comes in handy to compare different travel insurance policies offered by various insurance providers.
A travel insurance calculator uses a few parameters to estimate the premium of a travel plan. Take a look at the following parameters that affect travel insurance premiums:
Age - The age of the traveller impacts the premium of a travel policy. The higher is the age of the traveller, the more will be the premium. That’s because older people are more prone to life-threatening risks as compared to younger people.
Destination - The travel destination also impacts your premium amount. If you are travelling to a high-risk country, your chances of facing adversities are more. As a result, the insurer will charge you a higher premium amount.
Trip Duration - The duration of your trip impacts your premium. The longer is your trip duration, the higher will be your travel insurance premium.
Number of Travellers - The policy premium is also directly proportional to the number of travellers. This means the premium of a policy covering one person will be lower than the premium of a policy covering the entire family.
Add-On Covers - If you opt for add-on covers under your policy, your premium amount will increase. The more will be the number of add-on covers, the higher will be your travel insurance premium.
Tips to Lower Your Travel Insurance Premium
Travel insurance can come in extremely handy if you encounter an emergency during your trip. You can use the tips given below to lower your travel insurance premium:
Buy Early - Buying your travel insurance policy well in advance can help lower your premium. If you buy the policy early, you are considered a responsible person and are charged a lower premium.
Customize Your Policy - Try to customize your travel policy as per your requirements so that you only have to pay for the coverage that you need.
Multi-Travel insurance for Frequent Flyers - If you need to travel multiple times a year, it is more affordable to buy a multi-travel insurance policy with a year-long validity than buying an individual policy for each trip.
Opt for Family/ Group Travel Plans - If you are travelling with your family or in a group, you must opt for family travel insurance or group travel insurance respectively as they are more cost-effective.
Claim Procedure for Travel Insurance Policies
Buying the best travel insurance is not your only responsibility as a traveller. You should also be aware of the procedure to file a timely insurance claim. Moreover, you should be aware of the various coverage provided by your insurer.
It is important for all travellers to carry the original policy document along with multiple photocopies while travelling. The photocopies come in handy in case the original document gets lost or destroyed. You should also carry the soft copy of the document and store it in your email, phone, laptop or carry it in a pen drive.
Follow the steps given below to register a travel insurance claim in case an emergency occurs during your trip:
Inform the insurer or the assistance provider of the insurer via phone or email about your claim. The contact details of the insurer are always mentioned in the policy document
Ask about the various documents that you need to submit in support of your claim. The list of documents to be submitted varies as per the type of claim
Send all the required documents to the insurer via email, fax or post
Once you have submitted the documents, your claim will be verified against the coverage provided by your travel insurance policy
How to Renew a Travel Insurance Policy?
A travel insurance policy can be renewed either online or offline, depending on your preference. Renewing your policy online is the most recommended method, whereas the offline method is considered a traditional one. Both methods have their own share of perks. Let’s have a detailed glance here!
How to Renew Travel Insurance Policy Offline?
If you are one of those people who don’t want to go ahead with the online method or are not gadget-friendly, offline renewal can be the best bet for you. Be prepared for a considerable amount of paperwork manually, which is one of the biggest differences between the two processes. Let’s know the steps for offline renewal of your travel policy:
Step 1: Approach the Insurance Company
Once the renewal date approaches, get in touch with your insurer. You can contact your insurance advisor or the agent from whom you have bought the policy. He/she will guide you through the renewal process.
Step 2: Review the Existing Cover
This is the best time to review your coverage. If you want to add something, you can do it now. You can also ask the agent to update the changes or directly visit the branch for the same.
Step 3: Fill the Application
Once you have decided the additions you want to make, if any, fill an application form and submit it along with the physical copies of the documents required. Documents usually required include original or photocopies of ID/address proof, policy document, etc. The list may vary from provider to provider. Do read the policy document, clauses and other terms and conditions carefully before paying the premiums.
Step 4: The Final Step
In the last step, pay the premiums via cheque. Remember to address the cheque in the name of the insurer, not the broker or agent. The insurer will deliver the policy document to your mailing address within a stipulated period.
How to Renew Travel Insurance Online?
If you find the offline process of renewing your travel policy tedious, you can renew it online. Let’s consider the steps for the online renewal of your travel policy:
Step 1: Visit the Insurer’s Website
If you want to stick to the same insurer and renew the existing policy online, just visit the official website and go to the renew option. Go through the available insurance policies once and add the additional covers if any.
Step 2: Pay the Premium
Make the premium payment through any of the given options such as net banking, credit or debit card etc.
Step 3: Get the Policy Soft Copy
On successful payment of your premium, the insurance provider will send the soft copy of the policy to your registered email id. You can download it from there and keep it for future use.
In case you are planning to switch the insurer or the policy, you are advised to shop around, compare policies by different insurers before buying.
Travel Insurance Policy Renewal Tips
Travel insurance financially secures your most anticipated trips from any unwanted hassles. However, it is important to get insured with the right insurance plan. Here are some tips to renew the right travel insurance policy:
Renew a policy that suits your travel requirements
Opting for a low-premium policy may leave you underinsured
Go for the policy that also covers your close ones
Try to customize the insurance benefits as per your needs so that you only pay for what you need
Consider the geographical limit of your policy
Read and understand the policy fine print carefully before signing on the dotted line
Things to Consider While Buying Travel Insurance Online
An unfortunate incident may occur at any point in your journey and a wise traveller keeps his/her journey insured by buying the best travel insurance. In order to make an informed choice, you need to consider the following things while buying travel insurance online:
Purpose of the Journey - Keep the purpose of your trip in mind while choosing an insurance policy for your journey to receive the maximum coverage. For instance, if you are travelling for studies, you should buy student travel insurance online or if you are going to engage in adventure sports, you should select a policy that covers adventure sports activities.
Traveller’s Age - Almost all insurers provide policies that suit the needs of travellers of different ages. For instance, senior citizen insurance has been custom-made to cover the adversities that the elderly are more likely to face while travelling. Thus, you should select policies according to your age.
Sum Insured Amount - The sum insured amount is directly proportional to the premium cost. The travel insurance policies with higher sum insured draw higher premiums. Therefore, you must choose a sum insured amount that will adequately cover your travel needs in case of an unforeseen incident.
Coverage Offered - Compare and analyze the coverage provided by various insurers before buying a plan. Your insurance policy should cover you against most of the risks that you may face during your journey abroad at an affordable price.
Destination - The place where you are travelling should definitely be taken into consideration while narrowing down an insurance plan for your journey. Many insurance providers offer destination-specific policies such as Schengen insurance for those travelling to the Schengen area. Make sure you are covered against any threats that you are likely to face while visiting your destination.
Trip Duration - The duration of your journey plays a major role in estimating your premium amount. The longer the journey, the higher the premium will get. Choose a policy that charges a lesser premium for the total duration of your journey. If you plan to travel frequently, opt for a multi-travel insurance plan.
Claim Settlement Ratio of the Insurer - Before buying an insurance policy for your journey, you should check the claim settlement ratio of different insurance companies. A company with a higher claim settlement ratio has settled more claims and thus, should be preferred while buying travel insurance online.
Credibility of the Insurance Provider - It is important to research about the credibility and goodwill of the insurance company at the time of selecting an insurance policy for your journey. A company that enjoys goodwill in the market can be considered reliable and will mostly settle the claims on time. Thus, you must opt for a travel plan by an insurance company that enjoys goodwill in the market.
Affordability - The best policy is the one that provides the maximum coverage at minimum cost. Make sure to choose a policy that is economical but provides all crucial coverage against the risks you are likely to face during your trip.
Hassle-Free Claim Procedure - While choosing an insurance policy for your journey, find out about the claim procedures of different insurers. Complicated claim procedures will be more of a hassle at the time of settling the claim. You should choose an insurer with the quickest and the most convenient claim process, preferably online.
Solvency Ratio - You should also check the solvency ratio of an insurance provider before buying an insurance policy. A company with a good solvency ratio has a sound financial standing and has lesser chances of going bankrupt.
Add-On Covers - You should be mindful while opting for add-on covers under your travel policy as they will impact your premium. The more are the number of add-on covers, the higher would be the premium. Therefore, you should only opt for add-on covers that are really necessary for your trip.
Minimum Coverage Amount - Certain countries require a minimum travel insurance coverage amount to obtain their visa. For instance, you need to have a minimum travel insurance coverage of 30,000 Euros to obtain a Schengen visa. Make sure to check the guidelines relating to the travel insurance requirements before buying your policy.
Medical Conditions - Before you buy a travel policy, you must check the medical conditions that are not covered under the policy. This eliminates any element of surprise later and keeps you informed about what are you being covered for.
Compare Best Travel Insurance Online with Policybazaar.com
While buying insurance online, it is important to compare the various policies offered by the different insurance providers in India. Policybazaar.com is one place where you can compare different travel insurance policies offered by various insurers online. It allows you to check the coverage offered by different insurance companies and the premium charged by them. You can also check which cover is omitted by one insurer and is provided by another provider.
Take a look at some of the benefits of comparing travel insurance online at policybazaar.com:
Compare the various travel insurance policies offered by different insurers online at one place
Analyze and find a policy that provides you with maximum coverage
Side-by-side comparison of inclusions and exclusions provided by different insurers
Helps to save your time by comparing policies from several insurers at one place
Get quotes on premiums from different insurers before buying
Helps to save money by choosing the most cost-effective policy
Allows you to buy an insurance policy for your journey online in an effortless and secure manner
Ans: Generally, you should expect a travel policy to cost you somewhere between Rs 500 to Rs 2000, depending on your destination. However, the actual cost may depend on additional factors such as the cost of travelling, your age, the sum insured, etc. For example, if you are travelling to Mexico for less than 30 days, you can expect the price of your insurance policy from Rs 580 to Rs 1254 for a sum insured of $100,000.
Ans: Ideally, the best time to buy trip insurance is within the initial 15 days of making your first deposit as it can make you qualify for a few bonus coverage. However, several insurers allow you to buy insurance until the day before you begin your journey.
Ans: No. You cannot buy an insurance policy for your journey after your departure from India. In fact, most insurers do not allow travellers to buy insurance even on the day of their journey. Whether you are travelling for a day or for a year, you must buy a policy for your journey until the day before your departure.
Ans: At the time of choosing an insurance policy for your journey, you need to analyze the various coverage offered by the insurer. Compare the coverage offered by different insurers online and get the estimated premium quotes for different policies. You should select a policy that provides you with maximum coverage for a minimum rate of premium.
Ans: Most travel insurance companies do not cover pre-existing diseases or conditions such as diabetes. Therefore, if you incur any expenses on the treatment of pre-existing diseases during the journey, it will not be covered, unlike health insurance that covers them after waiting period.
Ans: Yes. You can purchase a travel policy for yourself even if you suffer from any pre-existing diseases or medical conditions such as Hypertension and Diabetes. However, any claims arising out of such diseases will not be covered like a regular health insurance plan.
Ans: In the case of planned hospitalization, you need to inform your insurer or the Assistance Provider about your medical treatment in advance as in the case of health insurance. Moreover, you will also have to obtain a pre-approval or pre-authorization from your insurer before getting admitted in case you want to avail cashless claim facility.
Ans: If you are buying an insurance policy online, you are likely to receive the soft copy of your policy document within 15 minutes or 1-2 hours. The hard copy may take about a couple of weeks to reach you. However, the exact time taken to obtain the document will depend on your insurer.
Ans: Yes. All business travellers can purchase insurance policies to protect themselves against any unforeseen emergencies while travelling. In fact, they can also opt for a corporate insurance plan, which is tailor-made for people travelling for business purposes. Moreover, if their nature of work requires them to move frequently then they can buy multi-trip insurance. It provides coverage for a single journey to all the travelling done in a year at a more economical premium amount.
Ans: It is important to provide all the supporting documents to your insurer to get your claim approved. But if you fail to produce the required documents, your claim will most likely get rejected and you will not get the claim amount.
Ans: In case of a cashless claim, the payment will be made directly to the healthcare service provider. But in case of reimbursement claims, you will receive the claim amount after it has been approved by your insurer.
Ans: It is mandatory to buy overseas medical insurance if you visit one or multiple Schengen countries. In total, there are 26 Schengen countries including Austria, Belgium, Denmark, Estonia, France, Germany, Finland, Greece, Iceland, Hungary, Italy, Lithuania, Latvia, Liechtenstein, Malta, Luxembourg, Norway, Poland, Slovakia, Portugal, Slovenia, Spain, Switzerland, Sweden, The Czech Republic and The Netherlands.
Ans: You can renew your policy as per your requirement, provided you suffice all the terms and conditions for its renewal. Thus, you are advised to buy insurance for the entire duration of your journey right in the beginning.
Ans: If you fall ill while travelling overseas, you can receive treatment at one of the network hospitals of your insurer to avail cashless claim facility. Make sure to inform your insurer or Assistance Service Provider about your hospitalization at the earliest and obtain pre-authorization from them.
Ans: Insurance companies charge a premium to travellers on per day basis or take the entire payment in advance. If the insured returns home earlier than planned, he will be eligible for a partial refund provided the premium was paid in advance and no claims were raised during its tenure. However, if the premium was charged on per day basis, no partial refund will be made to the insured.
Ans: Many insurance companies allow the insured students to extend their student insurance policies if their course get extended or they are taking up another course. However, students should ensure to extend their policies before they get expired.
Ans: In general, it is not mandatory to possess a travel policy when travelling. However, certain countries have made it compulsory for foreigners to possess trip insurance while visiting them. Such countries include Schengen countries, Australia, Cuba and the UAE if travelling to Dubai.
Ans: Most insurers in India do not provide insurance to people travelling abroad on a work permit. But some of them may allow you to buy single trip insurance to cover your one-way journey abroad. It is advisable to first check with your insurer before purchasing single-trip insurance.
Ans: Any injury that you suffer while playing regular sports like golf or cricket will be covered under trip insurance. It will be treated as an accidental injury and will be covered under personal accident cover.
However, if you meet with an accident while participating in adventure sports such as ballooning or gliding, then you will have to bear the treatment expenses on your own. This is because almost all insurance policies do not cover adventure sports activities such as ballooning, gliding, scuba diving and skiing.
Although, a handful of insurance companies do offer add-on cover for participation in adventure sports activities. You should find an insurer that offers this add-on cover if you are eager on participating in adventure sports activities.
Ans: If you sustain an injury or loss on the last day of your insurance policy and need medical treatment, then your policy will automatically get extended for 30 days. However, the extension will only be applicable if your doctor certifies that you are unfit to take a journey back to India and need to continue your treatment abroad.
Ans: No. You cannot extend an international travel policy to cover any journey within India. The scope of international policies is limited to journeys taken outside India only. If you want to insure your journey within India, you will have to buy domestic travel policy.
Ans: Technically, you can file a claim under your travel policy after returning back to India, provided the claim is registered within 30 days of getting back to India or policy expiry, whichever is earlier. However, it is recommended to file your claim as soon as the unforeseen event or emergency occurs abroad.
Ans: If the insured is unable to return back to India on or before the expiry of his travel policy due to hospitalization, the insurer will cover the treatment expenses by extending the policy for up to 30 more days. However, it will be extended only if the doctors declare that the insured unfit to take a journey back to India at the time of its expiry.
Ans: If unfortunately, you lose all your original documents, you will not be able to raise a claim with your insurer. This is because insurance claims are granted on the basis of the documents submitted as proofs by the insured. No document submission will result in no claim approval.
Ans: Yes. Elderly people above the age of 70 years can buy overseas medical insurance for their journey. Most insurance companies offers senior citizen policies to people above 70 years of age. However, the actual age eligibility criteria may vary from one insurance provider to another and thus, should be checked before buying.
Ans: As soon as you buy an insurance policy for your journey, you will get an email confirming the purchase along with the insurance details. Soon after, you will also receive the soft copy of the policy document on your email in PDF format. This document is legally recognized as the proof of your insurance purchase as it contains all its details including the insured’s name, policy number, numbers for claim intimation as well as the address for claim submission.
Ans: A few travel insurance companies such as Bajaj Allianz does offer business insurance for senior citizens up to the age of 70 years. You can find a range of suitable policies for senior citizens at websites like Policybazaar.
Ans: It is advisable to carry a soft copy of your policy document while travelling as it will come to your rescue if you forget to carry your policy papers with you.
In case you don’t have either hard copy or soft copy of your policy document, you can visit the official website of your insurer and log in to obtain a copy of it. You would need your customer id and policy number to log in and thus, you should know this in every circumstance.
Ans: No. If you are travelling overseas especially to receive medical treatment, then the cost of your treatment will not be covered under your overseas insurance policy. This is because trip insurance only covers the medical treatment expenses that you incur due to any sudden illness or accidental injury sustained while travelling.
Ans: No. Most travel policies do not come with any free look-in period. However, a few insurance providers in India do offer a free-look period to people opting for annual multi-trip or student insurance. However, you can cancel your policy anytime before commencing your journey.
Ans: Most insurance companies do not require travellers to undergo a medical examination before purchasing their insurance policy. Nonetheless, it is better to check the guidelines of the insurance company on whether you need to undergo a medical check-up or not.
Ans: Yes. An insurance company can withdraw a policy if it gets an approval from the IRDAI or the Insurance Regulatory and Development Authority of India. The traveller will receive a notice from his insurer informing him about the withdrawal at least 3 months before the expiry of the policy.
In case of withdrawal, the insured traveller will be able to continue with his ongoing policy until the scheduled date of its expiry. However, he will not be able to renew it as it will cease to exist.
Ans: The main difference between a single and multi-trip insurance lies in its validity. While single trip insurance is only valid for the entire duration of one single journey, the multi-trip insurance is valid for multiple journeys undertaken within a year. Single trip insurance begins with the commencement of your journey and ends once you reach back home. On the other hand, Multi-trip insurance starts from the day of its purchase and expires after 365 days or one year.
Ans: Yes. All insurance companies offer cashless claim facility if the insured is admitted at one of their network hospitals. By network hospitals, the insurer refers to the list of empanelled hospitals that have a tie-up or association with your insurer.
Ans: In case of certain claims, the insured is required to file a First Information Report or FIR within the first 24 hours of the occurrence of the emergency. Some of the claims where an FIR needs to be filed are personal liability, loss of passport, personal accident, bail bond, financial emergency and home insurance.
Ans: A lot of insurance companies offer travel policies that cover home insurance. It covers the insured’s house from damages caused by external factors such as a fire. It also covers the contents of the house in case the house is robbed or damaged due to fire. The insured will receive compensation in case there is a robbery or damage caused due to fire.
Ans: In case the flight in which the insured is travelling gets delayed for more than a specific number of hours, then his insurer will provide compensation for the losses incurred. However, the compensation will not be provided if the flight is delayed because of the insured traveller’s mistake, a strike or due to the aircraft being taken out of service.
Ans: If the flight in which the insured is travelling gets hijacked for more than a certain number of hours, then his insurer will provide compensation in the form of hijack distress allowance up to a certain limit.
Ans: Most travel policies cover accidental death and disability caused by common carriers. Common carrier refers to the carrier service that offers its services to the public, such as bus, aeroplane, train, etc. Thus, if you suffer an injury or a loss while commuting in a train or ship, your insurer will cover the treatment expenses as well as provide compensation in case of death.
Ans: All travel policies cover the delay in the arrival of check-in baggage. If your check-in baggage does not arrive for more than 12 hours, then your insurer will reimburse the expenses that you incur on the purchase of essential personal items including medicines, toiletries and clothes.
Ans: The coverage of an insurance policy for your trip begins as soon as you commence your journey and ends the moment you return back to your city of residence. In the case of multi-trip insurance, the cover starts from the time of its purchase and ends after a time period of one year. However, the duration of each journey is restricted to 30-60 days.
Ans: No. You should avoid buying flight insurance as it would cost about one-tenth of your flight cost and will provide lesser coverage in case of any adversities related to your journey by air. You should instead opt for trip insurance that would give you a wider range of coverage for the entire duration of your journey.
Ans: Yes. Your insurer will cover any expenses or losses incurred on flight cancellation before the date of departure. However, you will have to give a valid reason for the emergency cancellation of your flight tickets.
Ans: Applying for a visa is perhaps the most important thing in the bucket list of most travellers as it is one of the most important documents required to visit abroad.
Visa is an essential document that allows travellers to enter a particular country, for a predetermined time period for the purpose of education, holidays, business, etc. It makes sense to get acquainted with the visa application process to ensure a smooth and hassle-free journey experience.
Those planning to go abroad must visit the website of the respective embassy of the country they want to visit and fill out the visa application form online. Typically, one can fill out the visa application form online, or take a print and hand deliver it to their intended destination’s consulate.
Visa process may involve the submission of relevant documents and interview of the travellers. After successful completion of the process, the consulate mails a visa document to the applicant. Typically, the entire visa application process may take anywhere between 2 weeks and 2 months.
Ans: Yes! In some cases, it is possible to expedite the visa application process. Some embassies charge a certain fee for expediting the process. However, expediting the process of visa application remains at the discretion of the respective embassy.
Ans: Travel insurance is important as it protects you from any unwanted financial expenses. However, listed below are two important aspects, which will help you to make the right choice:
The Financial Risk: Primarily, nobody knows it better than you the financial risk you can afford to take. You may have to cancel your trip due to some unavoidable emergency at home or while you are travelling you may lose your passport or baggage. Under circumstances like these, you may have to lose your money if not insured.
Medical Grounds: Possible that while you are on the trip you or one of your family member might fall ill/ sick or meet with an accident with severe injuries or would require hospitalization. A travel insurance policy will take care of the bills and in case if you do not have one you will have to bear the incurred expenses from your pocket.
Ans: To find the best travel insurance, it is important to understand your travel needs and on the premise of that buy a travel insurance policy. Listed below are some tips, which you might consider and grab the best travel insurance deal:
Buy travel insurance online and not offline
Know the covers that you would need based on the purpose and duration of the trip
Compare the travel insurance quotes and coverage
Opt for the plan based on the frequency of your travel
While looking for a plan it is important to clearly understand the terms and conditions of the policy so give a thorough read
In case of any assistance contact the insurer and get the doubts clarified
Be completely aware of what your policy does not cover or excludes
Before you zero down the policy, read the feedback and reviews of the customers and check the claim settlement ratio of the insurer
Ans: Yes, without an international travel insurance plan you can fly anywhere across the globe. However, there are certain counties where overseas travel insurance is a mandate. In case of any adversity, which leads to monetary expenses you will have to pay for the bills from your pocket. Travelling internationally without a travel insurance policy is more like playing a gamble with your hard-earned money.
Ans: The best way to get budget travel insurance is by buying a travel insurance policy online. There following are certain aspects that you need to consider buying affordable travel insurance:
Age of the traveller
Purpose of the trip
Duration of the trip
The solvency ratio of the insurance provider
Sum insured amount
Claim settlement ratio
Note: Budget Cheap travel insurance does not mean that you need to compromise on the coverage. A travel insurance policy is of no use when it cannot offer cover in times of emergencies or travel/medical-related emergencies. So, choose your cover wisely.
Ans: There are no set parameters for buying a travel insurance policy. Nevertheless, while buying travel insurance policy it is imperative to identify your travel requirements and buy coverage that you would need.
For instance, if during your trip you are planning to do any adventure activity then it is important to buy coverage for the same. The basic idea of a travel insurance policy is to secure oneself from any financial implications under any emergencies.
Ans: An international travel insurance policy does provide you with a cover if you cancel your flight for specific unforeseen and covered reason. You will be reimbursed for the same depending upon the policy schedule.
I took a travel insurance plan 2 months back when I visited Goa. It is one of the best trip and I enjoyed a lot. Also, I feel the sense of security and happiness when I visited goa and the customer care team was always reachable to me. So, thanks to team of Policybazaar.
Amabala, June 25, 2021
In my travel insurance plan I have got the coverage of coronavirus and it is such an amazing plan. Along with my trip delay or cancellation I have got the coronavirus coverage in my travel plan. It is one of the reasonable plan and I really liked it.
Varanasi, June 25, 2021
Customized my plan
When I bought the travel insurance plan I customized it by myself. I have got the opportunity to get my plan made and customized by myself. The team was also there to assist and guide me. Good work team.
Noida, June 09, 2021
Enjoyed my trip with travel plan
I enjoyed my trip by the help of policybazaar as I took the travel insurance plan from them. The plan is easy to use and it has several benefits and facilities under the same.
Amabala, June 09, 2021
Medical assistance and treatment
In my travel insurance plan I have been provided with various travel medical assistance and treatment. It is easy to buy and it is tackle my trip. I can now go anywhere in the world without any worries because I would be having a travel insurance plans.
Varanasi, June 09, 2021
Good plan for frequent buyers
Because of my work I have to travel a lot from one place to another. So, the policybazaars travel insurance plan is good for me. I get a good discounts when I bought this plan. It is available under my budget too.
Ayodhya, June 02, 2021
Trip insurance and security
I have bought the travel insurance plan and have got my trip secured with the help of travel insurance plan. It is easy to do so. I am happy and quite convinced with the services of the policybazaar.
Gurgaon, June 02, 2021
View the best plans
Recently I have searched for travel insurance plan for my trip. I viewed various travel insurance plans into the website of policybazaar. It is easy to buy the plan online and I really love it.
Mohali, June 02, 2021
Trip related facilities
I have been given and provided with trip related facilities and adversities that may happen. I took the help of the customer care team and they helped me to provide with best benefits and facilities.
Noida, May 31, 2021
Coverage against my trip
I have got the best travel insurance coverage against my trip. It was the memorable trip of time and have been the best plan which come under my budget. I would like to appreciate the services of policybazaar and team.
Gurgaon, May 31, 2021
Baggage loss given
I recently visited to a place and thereby in the airport my baggage was lost and was not getting it to me. I complaint to the authorities and even checked with my insurance company. They immediately assisted me and after some time the baggage was delivered at my hotel. I am thankful to team and really happy.
Mohali, May 31, 2021
I have availed the hassle-free services from the policybazaar. It is easy and subtle. I would love to appreciate the services of the Policybazaar and would always buy my travel plans from them only. Great work team.
Noida, May 27, 2021
It has been a great experience for me to buy the travel insurance policy. I have bought the plan online last year and for going to Australia. I am much happy with the plan and have received so much benefits.
Gurgaon, May 27, 2021
Best feature plan
I recently bought a travel insurance policy from the website of the Policybazaar and there are lot of features and benefits available. It also helped in case of hospitalization and medical treatment. Kudos team policybazaar.
Mohali, May 27, 2021
Got my plan customized
I customized my travel insurance plan from the website of the Policybazaar. It is one of the best plan I had. I included so many features and benefits under this plan. Also, the premium rate of the policy is under my budget.
Policybazaar is now registered as a Direct Broker |Registration No. 742, Registration Code No. IRDA/ DB 797/ 19, Valid till 09/06/2024, License category- Direct Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.Product information is authentic and solely based on the information received from the insurers.