Accidental & sickness medical expenses
Baggage Delay/ Loss
Trip Delay / Cancellation
Passport Loss
Emergency Medical Evacuation
Missed flights
Medical expenses
Passport Loss
Study interruption
Bail Bond , Personal Liability
Trip Delay / Cancellation
Compassionate visit
No medical tests
Instant policy
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Travel Insurance India

Travel insurance, also called trip insurance or visitor insurance, is a special service offered by insurance providers in India to protect you from any unforeseen situation or events such as medical expenses, personal accident, loss of passport, etc. while travelling in India or abroad.

In the world of actualities, eventualities do not come knocking. No matter how well you have planned your trip one mishap could ruin your travel plans if you are not secured with a travel insurance policy. Envision a scenario wherein you lose your passport or you need to leave the place on an immediate basis. Situations like these will not only affect you mentally but financially as well. In uneven situations like these, travel policy will act as a shield safeguarding you from any unexpected financial burden.

Typically, travel insurance offers coverage for all major concerns of a traveller, including medical emergencies, loss of luggage, trip delays and trip cancellations. Most travel policies provide comprehensive coverage to the traveller from a variety of situations before or during the trip leading to financial losses.

How to Buy Best Travel Insurance

Compare & buy best travel insurance plans offered by travel insurance providers in India to cover you against any unforeseen situation faced while travelling within the country or abroad.

If you are planning an international trip, then buying an overseas travel insurance policy is a necessity regardless of whether you are a solo traveller, a student going abroad for studies or a frequent flyer. Depending upon the nature and purpose of your trip, it is highly recommended to buy travel insurance online, which makes it more accessible and hassle-free & secure yourself against unforeseen incident while travelling.

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Key Features of Travel Insurance Policies in India

A travel insurance policy is designed to cater to the needs of every traveller whether flying domestically or internationally and safeguard them against any financial loss in case of unforeseen event/mishap. Today, having so many alternatives available in the market, let us have a look at the key features provided by travel insurance companies in India:

  • Emergency Hospitalization & Medical Treatment - Nobody can rule out the possibility of a medical emergency while traveling. By insuring your trip, 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 traveling abroad. Whether there has been a flight delay leading to a missed connecting flight or your check-in baggage has been lost or delayed by your airline, your travel insurer will compensate for the losses you have incurred.
  • Cashless Hospitalization Facility - A travel policy also comes with cashless medical treatment facilities. If you get hospitalized or are availing medical treatment at an impaneled hospital of your insurer, you can receive cashless service in which all your medical bills will be settled directly by your insurer. You would not have to pay up the hospital for any covered treatment.
  • Customized Plans for Senior Citizens - The travel needs of senior citizens are way different from the needs of other kinds of travelers. Taking cognizance of this fact, most insurance companies offer customized trip insurance policies for elderly people who are traveling within India or abroad   
  • Available for Frequent Flyers - Buying insurance for each trip 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 trip insurance on each trip without spending a fortune, insurance providers offer multi-trip travel insurance policies with a year-long validity.
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Types of Travel Insurance in India

While buying a travel insurance policy is important as it ensures a hassle-free trip it is more prudent to understand the types of travel insurance India offers to its travellers. The travel insurance policies in India have been designed in a way to cater to the need of its every citizen right from a child, adult, student, to a senior citizen, etc.

Let us take you through the different travel insurance policies available in India:

On the Basis of Geographical Border:

Domestic Travel Insurance

It is an insurance policy meant for people traveling within the geographical borders of India. It protects individuals as well as families traveling within the Indian states from unforeseen financial emergencies. This policy provides coverage including medical cover, loss of baggage and personal accident cover amongst others.

International Travel Insurance

It is a type of insurance policy that covers individuals and families traveling overseas. It provides a wide range of coverage including medical expenses, dental expenses, financial cash assistance, flight delays, loss of passport, personal liability, loss or delay check-in baggage and hijack distress allowance. Several insurance providers also offer home insurance to the traveler’s house back in India as a part of this policy.

Schengen Travel Insurance

It is a customized travel insurance policy that covers people travelling to one or more than one Schengen countries. It protects the insured travellers from any unforeseen medical or travel emergencies that may lead to incurring financial losses. Some of the most common coverage provided under this type of travel insurance includes medical cover, loss of passport, delay in check-in baggage arrival, loss of check-in baggage, personal liability, personal accident cover, accidental death & dismemberment (common carrier) and trip delay.

On the Basis of Type of Travelers:

Family Travel Insurance

It is an insurance policy designed especially for families traveling overseas together. This policy usually covers the policyholder, his/ her spouse and his dependent children. The sum insured under this policy is mostly available in both individual and family floater basis. All insured members of a family can avail covers including medical expenses, trip delay, loss of passport, personal liability, loss or delay of check-in baggage and many more.

Senior Citizen Travel Insurance

It is a type of insurance that has been tailor-made for elderly people. Most travel insurance companies cover travelers above the ages of 60 under this policy. It protects such travelers from unpredictable financial emergencies including medical expenses, dental expenses, repatriation of mortal remains, loss or delay of check-in baggage, trip cancellation, etc.

Student Travel Insurance

It is a student-friendly insurance policy that has been customized for Indians traveling abroad to study. The policy has an extended validity of up to 2 years. Apart from the basic coverage of international travel insurance, this policy also provides the students with covers including sponsor protection, study interruption, two-way compassionate visit and bail bond amongst others.  

Corporate Travel Insurance

It is a policy that has been designed to cater to the needs of corporates traveling for business purposes. This policy usually has a validity of up to 1 year that allows the insured traveler to undertake several trips. It includes covers such as trip delay, medical expenses, loss of baggage, missed connecting flight, etc.

Group Travel Insurance

It is a comprehensive insurance policy meant for people traveling together in groups. This policy is usually opted by people organizing tour groups, industrial training, official trips or pilgrimage trips. Many insurance providers offer this policy for people traveling within India as well as abroad. It usually provides personal accident and baggage cover. However, the exact extent of coverage depends on the insurer.

Medical Travel Insurance

It refers to the insurance that provides extensive medical coverage to insured travelers during their trip. It offers financial assistance in case a medical emergency occurs while traveling international and may lead to hospitalization. Most medical travel insurers cover hospitalization expenses, daycare expenses, dental expenses, medical evacuation expenses and cost of repatriation of mortal remains amongst others.

On the Basis of Insurance Validity

Multi-Trip Travel Insurance

It is an insurance policy meant for people who undertake multiple overseas trips in a year. This type of insurance offers the same level of benefits on every trip without the need of buying a new policy before each travel. Thus, a traveler ends up saving large sums of money by buying this insurance policy. This insurance is mostly purchased by people who travel abroad frequently for business purposes.

Single Trip Travel Insurance

It is a type of insurance that provides protection to the insured traveler only for one single journey. Its validity begins with the start of the trip and ends with the culmination of the trip. This policy provides 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.

Other Types of Travel Insurance:

Baggage Insurance

Baggage Insurance comes into picture when you lose your baggage during your trip 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 on your trip, you can always rely on baggage insurance plans.

Flight Insurance 

It is a custom-made travel insurance policy that covers an insured traveller from any unforeseen flight-related emergencies. It protects the insured 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, trip cancellation & curtailment, flight hjack and missed connection flight.

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Eligibility Criteria for Travel Insurance

With a plethora of alternatives available in the market, it is essential to understand that insurance companies in India have a criterion for which you need to be eligible before you zero down a plan.

In the below grid are the basic eligibility criteria for different types of travel insurance policies offered by travel insurance companies in India:

Types of Travel Insurance Plans Eligibility Criteria*
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.

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Why Should You Buy Travel Insurance Policy

In recent times, there has been a paradigm shift in the perception of traveling. People no longer wait for their summer or winter vacation to plan an outstation trip. They instead plan to undertake multiple trips in a year with an aim to explore new places. For the salaried class, traveling is an escape from their everyday stressful and monotonous life. This makes insuring your travel even more prudent to protect yourself from any unfortunate incident that has the potential to spoil your trip or cause losses. If you still weighing your options, take a look at why buying travel insurance online before your trip 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 is famous for sky-rocketing medical services. But if you have insured your trip, all your medical expenses will be covered be taken care of in case of hospitalization due to an illness or accident abroad. They will also arrange an emergency evacuation to a hospital if required. Moreover, getting admitted to a network hospital can help you avail of cashless medical services.
  • 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 trip if you want to apply for the Schengen visa. So if you want to visit any such country, you will have to buy one of the best travel insurance policies available in India.
  • Helping Hand in Remote Areas - Insuring your trip can turn out to be useful even if you are traveling to remote parts of India or abroad. In case you need emergency medical services in areas with poor medical facilities, your travel insurer can evacuate you to the nearest city or country and help you get medical treatment on time.
  • Stress-Free Travel - An outstation trip can come with its share of uncertainties and cause a lot of stress to the travelers if an unforeseen incident occurs. But if you have your trip insured, all your emergencies can be taken care of by your insurer and you wouldn’t have to worry about a thing.
  • Dental Expenses - If you have insured your trip, your insurance policy will cover the expenses incurred on dental treatment during your trip apart from the cost of hospitalization and medical treatment.
  • Flight-related Complicacies - A lot of times you get stuck by flight or airline-related issues that shake your travel itinerary. Whether there has been a flight delay, check-in baggage loss/ delay, missed connecting flight or flight hijack, you will be adequately compensated if you have insured your trip.
  • Protects the Entire Family - An insurance for your trip not only offers protection to you but to each member of your family while traveling. Most insurance providers allow you to choose the sum insured on individual and family floater basis.
  • Replacement of Lost or Stolen Baggage - In case your baggage or your belongings get stolen or lost during your overseas trip, your travel insurer will compensate you for your loss.  
  • Pays for Personal Liability - In case an unfortunate incident abroad results in a legal liability being imposed on you, a travel policy can come to your rescue. Not only will it pay off your liabilities but it will also 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 travel insurer will come to your rescue and arrange emergency cash for you.
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How to Buy Best Travel Policy Online?

In case of any adversity, a travel insurance policy is on friend on which you can always rely upon. The challenge is to pick the best travel insurance plan provided by the different travel insurance companies in India. Opt for a travel insurance policy, which gives you the maximum coverage against the risks that you may encounter while you are travelling. It is better if you buy a travel insurance policy online provided by the various insurance companies. Look at some of the coverage provided by the insurance companies in India below:

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Best Travel Insurance in India by Top Travel Insurance Companies

Buying a travel insurance policy is also an investment therefore make the most of it. Moreover, there is no price to peace of mind you get is worth every dime. Now, that you know about the importance of travel insurance let us take you through a list of insurance providers offering the best travel insurance policy:

Insurance Providers Eligibility Criteria Pre-Policy Health Check-up Policy Inclusions Policy Exclusions
Apollo Munich Travel Insurance 6 months to 70 years Not required
  • Medical expenses
  • Loss or delay of check-in baggage
  • Loss of passport
  • Personal accident cover
  • Hijack distress allowance
  • Traveling to primarily receive medical treatment
  • Claim arising due to nuclear war or radioactive contamination
  • Claims related to pregnancy, childbirth, abortion  or miscarriage
  • Claims arising due to civil war, invasion, revolution
  • Claims arising due to riots or terrorism
  • Claims arising due to participation in adventure sports including scuba diving, mountaineering, etc.
Bajaj Allianz Travel Insurance Up to 75 years Not required
  • Medical expenses
  • Loss or delay of check-in baggage
  • Trip cancellation or delay
  • Emergency cash advance
  • Claims due to use or abuse of intoxicants including alcohol
  • Treatment of self-inflicted injuries including suicide or attempt to suicide
  • Treatment expenses of mental disorder
  • Alternative treatment expenses
  • Claims related to pregnancy, childbirth, abortion  or miscarriage
Bharti AXA Travel Insurance 3 months to 60 years Not required
  • Medical expenses
  • Emergency medical evacuation
  • Personal accident cover
  • Loss or delay of check-in baggage
  • Loss of passport
  • Pre-existing diseases/ conditions
  • Treatment expenses of cosmetic surgery
  • Claims arising due to participation in adventure sports
  • Passport loss intimated after 24 hours of its occurrence
  • Partial loss of any item inside the check-in baggage
Cholamandalam Travel Insurance 3 months to 80 years,61 to 70 years (senior citizens) For applicants above 65 years
  • Medical expenses
  • Loss or delay of check-in baggage
  • Loss of passport
  • Hijack distress allowance
  • Pre-existing diseases/ conditions
  • Claims arising due to radioactive, ionizing or hazardous activities
  • Claims arising due to participation in adventure sports
Future Generali Travel Insurance 6 months to 70 years,71 to 80 years (senior citizens) Not required
  • Medical expenses
  • Loss or delay of check-in baggage
  • Loss of passport
  • Personal accident cover
  • Pre-existing diseases/ conditions
  • Claims due to use or abuse of intoxicants including alcohol
  • Treatment of self-inflicted injuries including suicide or attempt to suicide
  • Claims related to pregnancy, childbirth, abortion  or miscarriage
HDFC ERGO Travel Insurance 6 months to 70 years For applicants above 70 years
  • Medical expenses
  • Loss or delay of check-in baggage
  • Loss of passport
  • Personal accident cover
  • Dental treatment expenses
  • Daily hospital cash
  • Flight delay
  • Hijack distress allowance
  • Claims due to use or abuse of intoxicants including alcohol
  • Treatment of self-inflicted injuries including suicide or attempt to suicide
  • Treatment expenses of mental disorder
  • Alternative treatment expenses
  • Claims related to pregnancy, childbirth, abortion  or miscarriage
IFFCO Tokio Travel Insurance - For applicants above 70 years
  • Medical expenses
  • Loss or delay of check-in baggage
  • Loss of passport
  • Personal accident cover
  • Dental treatment expenses
  • Daily hospital cash
  • Flight delay
  • Hijack distress allowance
  • Personal liability cover
  • Pre-existing diseases/ conditions
  • Claims arising due to participation in the military, air force or naval activities
  • Claims arising due to riots or terrorism
  • Claims arising due to radioactive, ionizing or hazardous activities
Religare Travel Insurance Up to 70 years Not required
  • Medical expenses
  • Loss or delay of check-in baggage
  • Personal liability cover
  • Double sum insured in case of hospitalization due to accidental injuries
  • Accidental death (common carrier)
  • Emergency medical evacuation
  • Repatriation of mortal remains
  • Pre-existing diseases after 2 years
  • Loss of personal documents
  • Trip cancellation or delay
  • Trip interruption
  • Compassionate visit
  • Flight ticket upgrade to business class
  • A waiting period of 30 days for all hospitalization claims except accidental injuries
  • Claims arising due to participation in adventure sports
  • Claims related to pregnancy, childbirth, abortion  or miscarriage
  • Claims arising due to civil war, invasion, revolution
  • Treatment of self-inflicted injuries including suicide or attempt to suicide
  • A waiting period of 2 years for specific illnesses
  • Dental treatment/ surgery expenses
  • Cost of contact lenses, spectacles or hearing aids
SBI Travel Insurance 6 months to 70 years Not required
  • Medical expenses
  • Loss or delay of check-in baggage
  • Loss of passport
  • Personal accident cover
  • Hijack distress allowance
  • Personal liability cover
  • Claims arising due to participation in the military, air force or naval activities
  • Claims arising due to civil war, invasion, revolution
  • Claims arising due to participation in adventure sports
  • Claims arising due to involvement in criminal activities
TATA AIG Travel Insurance Up to 70 years Not required
  • Medical expenses
  • Loss or delay of check-in baggage
  • Loss of passport
  • Personal accident cover
  • Hijack distress allowance
  • Personal liability cover
  • Trip delay or cancellation
  • Traveling to primarily receive medical treatment
  • Traveling against doctor’s advice
  • Pre-existing diseases/ conditions
  • Treatment of self-inflicted injuries including suicide or attempt to suicide
  • Treatment expenses of mental disorder, depression
  • Claims arising due to radioactive, ionizing or hazardous activities
  • Claims arising due to civil war, invasion, revolution
  • Treatment of STD
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Travel Insurance Coverage

A travel insurance policy offers you coverage for both domestic and international trips. A good travel insurance policy will offer different travel insurance coverage benefits which include cancellation of the trip, curtailment of the trip, loss of checked-in baggage, loss of passport,  any medical or non-medical emergencies, etc. In case of any emergency, to benefit the travel insurance coverage the travel insurance provider will compensate up to the sum assured.

A travel insurance policy offers the following travel insurance coverage benefits, which are:

  • Medical Expenses - All trip insurance policies cover any medical expenses that you may incur while traveling. It includes hospitalization expenses as well as daycare expenses that may arise due to the treatment of an illness or accidental injury abroad.
  • Emergency Medical Evacuation - In case there is a need to evacuate you to the nearest hospital or medical provider to receive timely treatment, your travel insurer will arrange it for you.
  • Repatriation of Mortal Remains - If an unforeseen incident abroad leads to the death of the insured, your travel insurer will cover the cost of arranging the funeral as well as transporting the mortal remains of the insured back to India.
  • Emergency Dental Treatment - All expenses arising out of the dental treatment of the insured to relieve acute pain is covered under a travel insurance policy.
  • Daily Hospital Cash - In case you get hospitalized for the treatment of an illness or accidental injury, your travel insurer will give you a lump sum amount to cover day-to-day hospitalization expenses.
  • Accidental Death & Disability - In case an accident leads to the death or permanent total disability of the insured, compensation will be paid to the policyholder or his family for the loss.
  • Loss of Check-in Baggage - If the airline with which you were traveling abroad loses your check-in baggage, then you will be entitled to compensation by your insurer to cover the losses that you have incurred.
  • Delay in Check-in Baggage Arrival - If your check-in baggage gets misplaced or delayed by the airline with which you were traveling abroad, your travel insurer will reimburse any emergency expenses incurred on personal items such as clothes, toiletries, etc.
  • Missed Connection Flight - Flight delays due to weather conditions or other technical reasons are a regular affair. If a delay in the arrival of an inbound flight results in you missing your connecting flight to your ultimate travel destination, trip insurance comes to your rescue. All your losses and expenses will be covered by your insurer if you have insured your trip.
  • Trip Cancellation & Curtailment- A lot of times people end up canceling or postponing their trip days before the departure due to an unforeseen emergency. In such situations, you may suffer quite a loss as the bookings for flights and hotels would have already been made by then. All such losses get covered if you have bought the best travel insurance India has available.
  • Loss of Passport - In case you lose your passport during your trip abroad, your travel insurer will cover the cost of getting a duplicate or new passport issued.
  • Personal Liability - An unfortunate incident can result in you causing damage or bodily injury to a third party person or property. But if you have insured your trip, all your legal liabilities during your trip abroad will be paid off by your insurer.
  • Hijack Distress Allowance - In case the flight in which you are traveling gets hijacked, you will be entitled to a distress allowance if you had insured your trip.
  • Emergency Cash Advance - If you get robbed of your money during your trip abroad, your travel insurer will provide you with emergency cash to take care of your emergency expenses unless you receive monetary help from your friends or family in India.
  • Baggage Loss - In case your baggage gets lost during your trip abroad, your travel insurer will cover all the losses and expenses related to purchasing emergency items including clothes and personal items.
  • Compassionate Visit - In case the insured student gets hospitalized due to an illness or accidental injury abroad, your travel insurer will cover the transportation and accommodation for an immediate family member. The cost of the flight tickets for the insured student will be covered under the policy if he needs to travel back to India due to the hospitalization of an immediate family member.
  • Study Interruption - If a sudden hospitalization due to an illness or accidental injury results in you missing your classes for more than a month, then your travel insurer will reimburse the tuition fee prepaid to the University/ School for that period.
  • Sponsor Protection - In case the sponsor of your education abroad dies or suffers from permanent total disability, your travel insurance policy will reimburse the tuition fees for the remaining months.
  • Bail Bond - In case the insured student gets arrested by the local authorities or police, your travel insurer will arrange for your bail amount.

Omitted/ Optional Covers in Most Schengen Travel Insurance Policies

Claims arising out of the following things are either optional or omitted in most Schengen Travel Insurance policies available in India:

  • Pre-existing ailments including asthma, cardiac problems, diabetes and hypertension
  • Tailor-made riders can be opted by paying an extra premium amount
  • Adventurous sports which pose a risk to life including water sports like scuba diving, mountaineering, fast biking, etc
  • Traveling to countries that have been listed as high-risk nations due to natural calamities, war, and terrorist activities, etc
  • Stern onset of pre-existing diseases even though the doctor assures it can stay under control
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Exclusions of Travel Insurance

Most trip 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 travel insurer. Even treatment expenses for injuries or illnesses caused while the insured was under the influence of alcohol will not be covered.
  • War, Civil War or Terrorism - A travel insurer will not cover any claims arising due to war-like situations including a civil war in the country where the insured is 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 travel insurer in India.
  • Alternative treatment - Most travel insurance online does not cover alternative treatment expenses including Ayurveda and homeopathy.
  • Cosmetic Treatment -Any claims arising out of the cosmetic surgery of the insured will not be covered by your travel insurer.
  • Adventure Sports - Many travel insurers do not cover any claims arising out of the insured’s 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, will not be covered by your travel insurer.
  • Pre-existing Diseases - Even the best travel insurance India has available does not cover pre-existing diseases of the insured traveler.
  • Loss of Passport When left Unattended - An insurance provider will not cover the expenses incurred in obtaining a new or duplicate passport if the insured loses his original passport abroad because of leaving it unattended.
  • Traveling Against Medical Advice - If the insured is traveling outstation or abroad against the medical advice of the doctor, then any medical treatment expenses incurred while traveling will not be covered by the travel insurer.

Additional Coveage of Travel Insurance Plan

Many trip 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 by 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 can be purchased at the time of insuring your trip:

  • High-risk/adventure sports activities
  • Coverage for travel to war-prone destinations
  • Pre-existing illnesses/ conditions
  • Enhanced Accidental Death and Dismemberment (AD&D) cover
  • Third-party supplier insolvency
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How to Calculate Travel Insurance Policy Premium Online?

Travel insurance is an extremely important travel document if you wish to stay protected from any eventualities during your domestic or international trip. Every traveler should opt for a policy that provides maximum coverage for the least possible premium.  But how will a traveler find out which insurance provider and plan is offering the minimum premium?

In order to find out the premium payable for a particular trip 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 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, trip frequency, travel dates, etc. While entering the destination details, select specific countries or areas like Schengen, Asia, USA and Canada, etc as per your travel destination. You might have to enter your travel dates and whether you need a single trip of multi-trip policy. You will also be required to enter the number of travelers as well as the age of all the travelers.

After you have entered all the details, the insurance premium calculator will give you an estimate premium amount for your trip. Moreover, this premium calculator also comes in handy to compare different trip insurance plans offered by various insurance providers.

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Claim Procedure for Travel Insurance

Buying the best travel insurance online is not the only responsibility of the traveler. He/ she should also be aware of the claim procedure for filing a timely insurance claim. Moreover, you should be aware of the various coverage provided by your travel insurer.

It is important for all travelers to carry the original travel insurance policy document along with multiple photocopies while traveling. The photocopies come in handy in case the original policy document gets lost or destroyed. In fact, the insured must also carry the policy document in a soft copy and store in his email, phone, laptop or carry it in a pen drive.

Follow the steps given below to register a trip insurance claim in case a travel emergency occurs:

  • Inform the insurer or the travel assistance provider of the insured 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 by post
  • Once you have submitted the documents, your claim will be verified against the coverage provided by your trip insurance policy

How to Renew a Travel Insurance Policy?

Similar to other insurance policies, travel insurance can be renewed either online or offline, depending on your requirement. Renewing your travel cover 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 Offline?

If you are one of those who don’t want to go with the online method or not that much gadget-friendly, offline renewal can be the best bet for you. Be prepared for a considerable amount of paperwork manually, and this is the biggest difference between the two processes. Let’s know the steps of offline travel insurance renewal:

Step 1: Approach the Insurance Company

Once the renewal date approaches, get in touch with your insurance provider. 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 on the plan you want to renew after making the additions if any, fill an application form and submit along with the physical copies as well as the previous policy details. Documents usually include original or photocopies of ID/address proof, policy document etc. The list may vary from provider to provider. Next, read the policy document carefully, clauses and other terms and conditions 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 insurance provider, 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?

You might find the above process of renewing travel insurance tedious. Fret not! in today’s busy schedule no one has enough time to renew the policy by visiting the insurer’s office. Hence, online insurance is the one-stop solutions for all such worries. Let’s consider the steps of online travel insurance renewal:

Step 1: Visit the Insurer’s Website

If you want to stick to the same insurance provider and renew the existing policy, just visit the official website and go to the renew option. Go through the plans once and update with additional offers if any.

Step 2: Pay the Premium

If you are sure enough of buying the same plan then make the 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 the registered email Id. You can download the policy from there and keep it for future use.

Step 4: Still Compare

In case you are planning to switch the insurer or the policy, it is highly advised to shop around, compare the policy and buy.

Travel Insurance Renewal Tips

Travel insurance secures you most anticipated trip from unwanted hassles. However, it is important to ensure the right travel plan that comes with extensive benefits. Having said that, here are some tips to ensure the right deal:

  • Buy a policy that suits your requirements
  • Opting for low-premium may leave you underinsured
  • Go for the plan that also covers your close ones
  • Try customise the policy benefits as per your needs
  • Consider the geographical limit of your travel plan

Read and understand the policy fine print carefully before signing on the dotted line

Things to Remember Before Choosing a Travel Insurance Plan

An unfortunate incident may occur at any point in your travel and a wise traveler keeps his trip insured by buying the best travel insurance online. In order to make an informed choice, you need to keep the following things in mind while buying an insurance policy for your trip:

  • Purpose of the Trip - Keep the purpose of your travel in mind while choosingan insurance policy for your trip to receive maximum coverage. For instance, if you traveling for studies, you should opt for student travel insurance and if you plan to engage in adventure sports, you should select a plan that covers adventure sports activities.
  • Traveler’s Age - Almost all travel insurers provide insurance plans that suit the needs of travelers of different ages. For instance, senior citizen travel insurance has been custom-made to protect the elderly while traveling. You should select a plan according to the age of all travelers.
  • Sum Insured Amount - The sum insured amount is directly proportional to the premium cost. The trip insurance plans with higher sum insured draw higher premiums. However, you must choose a sum insured amount that adequately covers your needs in case of an unforeseen incident.
  • Coverage Offered - Compare and analyze the different coverage provided by various travel insurers while selecting a plan. Choose a plan that protects you from most of the risks that you may face during your trip abroad.
  • Destination - The destination of your trip should definitely be taken into consideration while narrowing down an insurance plan for your trip. many insurance providers offer destination-specific plans such as Schengen travel insurance. Choose a plan that suits your destination.
  • Trip Duration - The duration of your trip plays a major role in estimating your premium amount. The longer the travel, the higher the insurance premium will get. Choose a plan that charges a lesser premium for the total duration of your trip.
  • Claim Settlement Ratio of the Insured - Before buying an insurance policy for your trip, you should check the claim settlement ratio of the 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 trip. A company that enjoys goodwill in the market can be considered reliable and will settle the claims on time.
  • 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 covers.
  • Hassle-free Claim Procedure - While choosing an insurance policy for your trip, find out about the claim procedures of different plans. A policy with a complicated claim procedure will be more of a hassle at the time of settling a claim. You should choose the insurer with the quickest and the most convenient claim process.
  • Solvency Ratio - You should also check the solvency ratio of an insurance provider before buying an insurance policy. A company with a goodsolvency ratio reflects its sound financial standing and has lesser chances of going bankrupt.
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Compare the Best Travel Insurance Online With Policybazaar.com

While buying travel insurance online, it is important to compare the different insurance policies offered by the different insurance providers. Policybazaar.com is one place where you can compare different travel insurance policies offered by various insurers. 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 insurance provider. Since PolicyBazaar is available online, you can make a comparison anywhere and at any time of the day.

Take a look at some of the benefits of comparing travel insurance online at policybazaar.com:

  • Compare the various trip insurance policies offered by different insurers
  • Analyze and find a plan that provides you maximum coverage
  • Side-by-side comparison of inclusions and exclusions provided by different travel insurers
  • Helps to save time by comparing travel insurance policies for several insurers at one place
  • Get quotes on premium from different insurers before finalizing a policy
  • Helps to save money by choosing the most cost-effective policy
  • Allows you to buy an insurance policy for your trip online in an effortless and secure manner

Countries That Need International Travel Insurance

Several countries have made it mandatory for foreign travellers to obtain a valid international travel insurance policy to enter their borders. Here is a list of countries where international travel insurance is mandatory:

  • Schengen countries
  • UAE (if travelling to Dubai)
  • Australia
  • Cuba

It is wiser to possess a valid international travel insurance policy when travelling to certain countries. You can check the travel destination guides given below to know everything about the following countries:

USA

Canada

Germany

Malaysia

Singapore

Hong Kong

United Kingdom

Japan

Thailand

Australia

UAE

Dubai

Sri Lanka

 

 

Written By: PolicyBazaar - Updated: 14 January 2020
Insurer Categories covered Special Features Exceptions
Apollo Munich Travel Insurance Apollo Munich Travel Insurance
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Emergency cash advance
  • Loss of checked in baggage
  • Trip cancellation and curtailment
  • Coverage of personal liability
  • No specific European/Schengen plan
  • Pre-existing diseases are not covered
Bajaj Allianz Travel Insurance
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Student
  • Senior Citizen
  • Emergency cash advance
  • Loss of checked in baggage
  • Home burglary covered
  • 2-way compassionate visit
  • Coverage of bail bond
  • Pre-existing diseases are not covered
Bharti Axa Travel Insurance
  • Individual
  • Family Floater
  • Annual Multi Trip
  • 2-way compassionate visit
  • Specific Schengen plan
  • Emergency cash advance
  • Pre-existing diseases are not covered
Future Generali Travel Insurance
  • Individual
  • Annual Multi Trip
  • Emergency cash advance
  • Child escort benefit
  • Trip cancellation and curtailment
  • Coverage of personal liability
  • Pre-existing diseases are not covered
HDFC Ergo Travel Insurance
  • Individual
  • Family Floater
  • Student
  • Annual Multi Trip
  • Loss of checked in baggage
  • Flight delay benefits
  • Study interruption (Student)
  • Treatment of mental and nervous disorders (Student)
  • Pre-existing diseases are not covered
Iffco Tokio Travel Insurance
  • Individual
  • Emergency cash advance
  • Pre-existing diseases are not covered
New India Assurance Travel Insurance
  • Individual
  • Student
  • Repatriation of mortal remains
  • Pre-existing diseases are not covered
Reliance Travel Insurance
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Student
  • Senior Citizen
  • Emergency cash advance
  • Loss of checked in baggage
  • Home burglary covered
  • 2-way compassionate visit
  • Coverage of bail bond
 
Religare Travel Insurance
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Student
  • Senior Citizen
  • Emergency cash advance
  • Loss of checked in baggage
  • 2-way compassionate visit
  • Coverage of Pre-existing diseases
  • Coverage of bail bond
 
Royal Sundaram Travel Insurance
  • Individual
  • Annual Multi Trip
  • Compassionate visit
 
Star Health Travel Insurance
  • Individual
  • Flight delay and missed flight benefit
  • Pre-existing diseases are not covered
TATA AIG Travel Insurance
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Student
  • Senior Citizen
  • Emergency cash advance
  • Loss of checked in baggage
  • 2-way compassionate visit
  • Home burglary coverage
  • Coverage of bail bond
 
Universal Sompo Travel Insurance
  • Individual
  • Flight delay and missed flight benefit
  • Pre-existing diseases are not covered

No Visa on Arrivals for Tourists Arriving in Oman

Tourists arriving in Oman will no longer get visa on arrival. As per a new rule, all foreign visitors will have to obtain an eVisa prior to arriving in Oman from November 2019.

The Oman Police has recently announced that citizens of all countries except UAE, Saudi Arabia, Kuwait and Bahrain will have to obtain an eVisa before arriving in Oman. Earlier, foreign visitors were granted a visa on arrival at Oman or UAE borders.

The new rule has been enforced to ensure smooth and structured processing at the Oman border posts. The Oman Police have also said that the visa on arrival for the country will be granted only as an exception henceforth.

Tourists arriving from 71 countries, including the USA, European Union countries and Australia will have to apply for an eVisa to enter Oman. However, tourists arriving in Dubai can enter Oman on a free tourist visa, provided they have a passport validity of at least six months.

The Oman Tourist visa can be applied online by visiting the official Oman government portal. An Oman Tourist eVisa for a 10-day visit can be obtained on payment of 5 Omani Rials. The applicant will have to upload a passport size photo along with their visa application. The eVisa will be granted within four days of applying.

Now Travel to Brazil without Visa

In a recent visit to China, Brazilian President Jair Bolsonaro announced that Indians and Chinese nationals who are visiting Brazil for business or tourism purposes can now travel without a visa. The idea behind this move is to bring in more tourists from the South Asian region and increase the overall GDP of the country from the tourism sector.

By permitting visa free access, the Brazilian government also aims to promote Brazil as the premiere business as well as a tourist destination. In addition this, India and Brazil also share a multifaceted relationship in global forums like G-20, BRICS, etc.

However, Brazilian nationals would still need to get Visa to visit India. They can avail e-visa which is divided into five categories – e-medical visa, e-tourist visa, e-conference, and e-business and e- visa for medical attendants. Apart from Brazil Indian tourists are permitted visa-free access to multiple other countries such as Indonesia, Mauritius, Seychelles, Fiji, etc. So, pack your bags, buy your travel insurance and fly away.

IRCTC Tejas Express to Offer Rail Travel Insurance worth Rs. 25 lakh!

The first of its kind private train on Indian Railways trek Tejas Express, which started its services recently, is offering travel insurance 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 travel insurance of worth Rs. 25 lakh, along with a partial refund for train delays. In case the train is more than 1 hour delayed, 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-prolonged travel insurance plan, 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.

Medical Travel Insurance for 1-Year O-A Stays in Thailand Mandatory From Oct 31

The Immigration Bureau mandates health insurance for one-year extension to stay basis a Non-immigrant O-A VISA from October 31.

The Bureau posted this announcement on its official website on October 8. The department stated that the transformation in the Immigration regulations shadows the Cabinet resolution that was made on 2nd April, 2019.

Under this rule, all the foreigners who’re applying for 1-year permit for staying on the O-A VISA should have a health insurance plan for up to B40,000 for the outpatient services. Moreover, they should also have a policy up to B40,000 for the inpatient services

Royal Thai Police Commissioner – General Chakthip Chaijinda issued the order on September 27 and states that this new rule will come into effect from October 31 this year.

Thailand likely to make Travel Insurance Compulsory

If you’re planning to travel to Thailand in the future, you might need to purchase a special travel insurance plan once you land in the country. According to reports, Thailand is likely to make travel insurance mandatory for visitors to the country.

This would be implemented most likely later in 2019. All the earnings and profits from the plan 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 policy 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.

White Island Volcano Eruption: 5 Dead, Over 20 Missing in New Zealand

New Zealand’s White Island Volcano erupted on Monday killing at least five people and injuring more than 20 people, the local police have said. The eruption took place around 2:11 pm (local time or 6:40 am IST). Over 20 people still remain missing, even after seven hours post the tragedy.

About 50 people were on the island at the time of the eruption, out of which more than 20 were Australian citizens. In fact, tourists could be seen walking inside the White Island crater rim minutes before the eruption took place. A tour group of 30-38 people from the Royal Caribbean’s Ovation of the Seas was touring the White Island at the time of the eruption. The group has still not returned back and are being searched by the rescue team.

So far, about 23 people have been rescued from the island. The injured, mostly with burn injuries, are being treated by the emergency services and paramedics. People with critical conditions are being flown to the hospitals in Auckland and Tauranga.

However, the falling ashes and the possibility of another eruption is making it difficult for the police to carry out the rescue activities. The New Zeland military has now joined the police to aid the rescue and search operations.

The White Island volcano is one of the most active volcanoes in New Zealand. It witnessed a mini eruption in 2016, which did not harm anyone.

Foreign nationals stuck in the tragedy can avail evacuation services and get back home if they have a valid travel insurance policy with them.

Cox & Kings Unable to Repay Booking Amount to Customers Post Bankruptcy

India-based travel agency Cox & Kings is unable in repay booking amount to its customers after being declared bankrupt in October 2019. The loan amount estimated to Rs 10 crore arose after the company cancelled dozens of tours around the world.

The company closed its head office in Kolkata office in October along with other offices in the country. The move came soon after the company suspended its operations in the US, Europe and Australia.

Over 1000 people had booked their holidays with Cox & Kings before its sudden closure. The customers received a letter stating that the company will refund their money within 90 days. However, the chances of the same appear bleak under the current circumstances.

Over the last few months, Cox & Kings have faced multiple cases of frauds. In October, Kolkata Police had launched an investigation against the company for allegedly collecting Rs 40 crore from 75 people under a cheating & misappropriation case. Moreover, over 2,000 employees were laid off in Kolkata office after it wasn’t able to pay their salaries for three consecutive months.

As per reports, the Cox & Kings’ former promoters Urrshila and Peter Kekar will also be named as defaulters if the company is unable to repay loans amounting to Rs 10 crore.

Cox & Kings is one of the oldest travel agencies in the world. It operated 12 fully operational offices pan India and had operated its business to 12 international locations including UK, USA, Dubai, Singapore, Russia and Japan.

Trip to Bhutan to Get Costlier for Indians in 2020

A  trip to Bhutan will get costlier for Indians in 2020, thanks to a new tourism policy proposed by the Tourism Council of Bhutan (TCB). Bhutan will soon levy charges on Indians tourists visiting the Kingdom.

According to a recent tourism policy draft prepared by the TCB, tourists arriving from India, Bangladesh and the Maldives will have to pay fees to visit the country. As per the existing policy, tourists from these three countries were exempted from paying any charges or obtain a visa up till now in order to enter Bhutan.

The new policy is said to have been proposed in the view of recent tourist influx in Bhutan, especially Indian tourists. As per reports, about 274,000 people visited Bhutan in 2018 out of which 180,000 were Indians and 20,000 belonged to the Maldives and Bangladesh. However, Dorji denied such reports stating that it wants tourist numbers from these three countries to grow sustainably in the next few years.

Recently, Foreign Minister of Bhutan Tandi Dorji discussed the latest draft with the Indian External Exchange Minister S Jaishankar in New Delhi. The final decision on the proposed policy will be taken by the Bhutanese Cabinet next month.

The Bhutanese Government charges a minimum of $250 per day to every international tourist, except people from Indian, Bangladesh and the Maldives. The $250 fee comprises of sustainable fee of $65 and a visa fee of $40. Once the new policy will come into effect, citizens of India, Bangladesh and the Maldives will have to te sustainable fee as well as a permit processing fee.

Q:

What is the best travel insurance company?

Ans:

No single travel insurance company is the best for every traveller. Different travel insurers offer plans with a variety of coverage to protect you from any unfavourable events. However, below are some of the best travel insurance companies that will offer you maximum coverage on your trip for minimum cost:

 

1. Apollo Munich Travel Insurance

2. Religare Travel Insurance

3. TATA AIG Travel Insurance

4. Reliance Travel Insurance

5. Bharti AXA Travel Insurance

6. HDFC ERGO Travel Insurance

7. Bajaj Allianz Travel Insurance

8.Royal Sundaram Travel Insurance

9. SBI Travel Insurance

Q:

What is covered by travel insurance?

Ans:

Typically, a travel insurance policy will cover all the main concerns of a traveller, including medical emergencies, lost luggage, trip cancellations and travel delays. Most of these policies are designed comprehensively to protect a traveller from a variety of unforeseen events that may create a financial loss during or even before his trip starts.

Q:

How much does a travel insurance cost?

Ans:

Generally, you should expect a travel insurance plan to cost you somewhere between Rs 500 to Rs 2000, depending on your travel destination. However, the actual cost may depend on additional factors such as your trip cost, your age, the sum insured, etc. For example, if you are taking a trip to Mexico for less than 30 days, you can expect the price of your insurance plan from Rs 580 to Rs 1254 for a sum insured of $100,000.

Q:

When should you buy travel insurance?

Ans:

Are you wondering ‘when should I buy travel insurance? Ideally, the best time to buy travel insurance is within the initial 15 days of making your first deposit on the trip. This is because buying travel insurance early can make you qualify for any bonus coverage. However, several plans let you buy travel insurance coverage until the day before you leave for your trip.

Q:

What credit cards offer free travel insurance?

Ans:

The best credit cards for travel insurance that you can buy are:

1. Axis Bank Privilege Credit Card

2. Axis Bank Vistara Signature Credit Card

3. Axis Bank Miles & More World Credit Card

4. Standard Chartered Visa Infinite Credit Card

5. HDFC Bank Regalia Credit Card

6. IndusInd Bank Platinum Credit Card

7. IndusInd Bank Platinum Aura Credit Card

Q:

Can you purchase travel insurance after booking?

Ans:

You can purchase travel insurance anytime as per your convenience before the actual date of departure. However, if you want a policy that covers trip cancellation and trip interruption along with existing medical conditions, you will have to purchase travel insurance as early as possible after booking your flight tickets

Q:

Which travel insurance is best in India?

Ans:

Finding the best travel insurance can be very subjective. The best travel insurance for you may not be the same for your grandparents because different people have varying travel needs. Factors such as the extent of coverage and premium cost, are considered to find the best travel insurance for your trip. However, below are some of the travel insurance companies offering the best plans in India:

1. Royal Sundaram Travel Insurance

2. Apollo Munich Travel Insurance

3. Bajaj Allianz Travel Insurance

4. Bharti AXA Travel Insurance

5. Reliance Travel Insurance

6. Tata AIG Travel Insurance

7. Religare Travel Insurance

8. SBI General Travel Insurance

9. HDFC ERGO Travel Insurance

Q:

Can you buy travel insurance after starting your trip?

Ans:

No. You cannot buy travel insurance after your departure from India because travel insurers do not allow travellers to buy insurance on the day of their trip or after starting their trip. Whether you are travelling for a day or for a year, you can buy a travel insurance policy until the day before your departure.

Q:

How do I choose travel insurance?

Ans:

At the time of choosing an insurance policy for your trip, 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.

Q:

Does travel insurance cover pre-existing diseases?

Ans:

Most travel insurance policies 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 trip, it will not be covered under your travel insurance policy.

Q:

I suffer from Hypertension / Diabetes. Can I buy a travel insurance policy?

Ans:

Yes. You can purchase travel insurance 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 under the travel insurance policy.

Q:

Why do I need travel insurance?

Ans:

Anyone can face a crisis or emergency while travelling. Travel insurance will protect you from any unforeseen events during your trip that may create an obstruction and lead to monetary losses. Here are some of the reasons why you should buy travel insurance for your trip:

1. Covers emergency medical and dental treatment expenses

2. Protects every kind of travellers, be it children, individuals, students, couples or businessmen

3. Helps you out if you face an emergency when visiting a remote area

4. Provides baggage insurance as well as airline insurance

5. It is a mandatory requirement to travel to certain destinations such as Schengen states

6. Provides emergency cash assistance and also covers personal liability

Q:

What sum insured should I opt for while travelling to Schengen countries?

Ans:

When buying Schengen travel insurance, you should opt for a policy with a sum insured of a minimum amount of EUR 30,000. This is because buying a travel insurance policy for at least EUR 30,000 is compulsory to obtain a Schengen visa.

Q:

In case the medical treatment is required, is there any need for pre-approval before hospitalization?

Ans:

In the case of planned hospitalization, you need to inform your insurance provider or the Travel Assistance Provider about your medical treatment in advance. 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.

Q:

How long does it take to receive the policy papers once I purchase the policy online?

Ans:

If you are buying a travel 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 your policy document will depend on your insurance provider.

Q:

Can more than one policy be issued for the same trip?

Ans:

No. Every traveller will be issued only one travel insurance policy for the duration of a single journey.

Q:

Are business travellers eligible to purchase a travel insurance policy?

Ans:

Yes. All business travellers can purchase travel insurance policies to protect themselves against any unforeseen emergencies during their trip. In fact, they can also opt for Corporate Travel Insurance, which is tailor-made for people travelling for business purposes. Moreover, if their nature of work requires them to travel frequently then they can buy a Multi-Trip Travel Insurance policy. This type of policy provides coverage offered within a single trip to all the trips taken in a year at a more economical premium amount.

Q:

What if I fail to produce the required documents?

Ans:

It is important to provide all the supporting documents to your insurance provider to get your travel insurance 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.

Q:

Will my charges be paid directly to the service provider? Do I need to pay the bill first and then claim it from the insurance company later?

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 successful approval of your insurance claim.

Q:

What is the process if we need to make a reimbursement claim later?

Ans:

If you want to make a reimbursement claim, you can follow the steps given below:

1. Inform the insurance company or Third Party Administrator about your claim

2. Fill up the claim form and arrange all the required documents

3. Submit the claim form as well as all the required documents

The claim amount will be paid to you once your request is approved by the claims team.

Q:

In which Schengen countries shall I mandatorily have to buy insurance?

Ans:

It is mandatory to buy Schengen travel insurance if you visit one or multiple Schengen countries. There are 26 Schengen countries where travel insurance is mandatory. They include 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.

Q:

Is it mandatory for the customer to be in India for international travel policy issuance?

Ans:

Yes. It is mandatory for the traveller/ customer to be in India at the time of purchasing the travel insurance policy.

Q:

If I take a 2-month travel insurance policy, would I be able to extend it later, as per my requirement?

Ans:

You can renew your travel insurance policy as per your requirement, provided you suffice all the terms and conditions for policy renewal. Thus, you are advised to buy travel insurance for the entire duration of your trip right in the beginning.

Q:

What do I do if I fall sick when I am overseas?

Ans:

If you fall ill while travelling overseas, you can receive treatment at one of the network hospitals of your insurance provider 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.

Q:

What is the duration of the policy that can be issued on an immigrant visa?

Ans:

Most insurance companies offer travel insurance to people travelling on an immigrant visa for a maximum of 60-90 days, as per insurer. Moreover, such policies are mostly non-extendable.

Q:

If the customer returns home earlier than planned, can he/she get a partial refund on travel insurance?

Ans:

Insurance companies charge travel insurance premium 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.

Q:

I already purchased a travel policy, but there seems to be some change in my travel dates. Can I alter/change my travel dates in the policy?

Ans:

Yes. In case of a change in travel plans, you can alter the journey dates in your travel insurance policy anytime before the beginning your trip.

Q:

I am an OCI Card holder (Overseas Citizen of India). Can I buy a travel insurance policy?

Ans:

Yes. OCI Card holders can buy a travel insurance policy, provided they have a valid Indian passport and plan to return back to India.

Q:

I have to cancel my trip, but I already bought the policy. Can I cancel travel insurance?

Ans:

Yes. In case of trip cancellation, the insured can cancel his travel insurance policy anytime before the actual date of commencing the trip.

Q:

I want my parent(s) to visit me. Can I be their proposer and purchase the policy?

Ans:

Yes. You can purchase a travel insurance policy on behalf of your parents as a proposer.

Q:

Can I purchase a travel insurance policy for my minor child, who will visit me during the holidays?

Ans:

Yes. You can purchase travel insurance for your minor child if he/ she is travelling unaccompanied.

Q:

Can I purchase a policy for someone who is unrelated to me?

Ans:

No. You cannot buy a travel insurance policy on behalf of someone unrelated to you. You can only purchase travel insurance for yourself and your family members including parents, spouse, children, etc.

Q:

I am going for a short term course of 6 months. Can I buy student travel insurance?

Ans:

Yes. Many insurance companies offer travel insurance for short-term courses. You can visit websites such as Policybazaar to find a policy that covers you for short term courses of 6 months.

Q:

If a student travel insurance policy is issued for 2 years, the sum insured is applicable on a yearly basis or overall?

Ans:

If you purchase a student travel insurance policy for 2 years, the sum insured amount will be applicable for the entire policy tenure.

Q:

I already have student travel insurance for one year. Can I extend it further since I intend to take up another course in the same university?

Ans:

Many insurance companies allow the insured student to extend his student travel insurance policy if his course gets extended or he plans to take up another course. However, make sure to extend the policy before it gets expired.

Q:

Is travel insurance mandatory?

Ans:

In general, it is not mandatory to possess travel insurance when travelling. However, certain countries have made it compulsory for foreigners to possess travel insurance while visiting them. Such countries include Schengen countries, Australia, Cuba and the UAE if travelling to Dubai.

Q:

Can I buy insurance if I am going on a work permit abroad?

Ans:

Most insurance companies in India do not provide travel insurance to people travelling abroad on a work permit. But some of them may allow you to buy single trip travel insurance to cover your one-way trip abroad. It is advisable to first check with your insurance provider before purchasing a single-trip travel insurance policy.

Q:

I am not a professional sportsperson. But I do play some sports like golf and cricket. Am I covered for these sports? What if I meet with an accident while ballooning/ gliding?

Ans:

Any injury that you suffer while playing regular sports like golf or cricket will be covered under travel 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 travel 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 insurance provider that offers this add-on cover if you are eager on participating in adventure sports activities.

Q:

Is pregnancy or disease/complication arising out of pregnancy covered?

Ans:

Most travel insurance policies do not cover pregnancy or any diseases/ complications arising out of it. However, few student travel insurance policies do offer coverage for pregnancy and related complications to an insured student during her stay abroad. You are advised to check with your insurance provider if or not they provide this cover for pregnancy.a

Q:

If I sustain a loss on the last day of the policy and continue treatment abroad will the policy be automatically extended to cover the loss?

Ans:

If you sustain an injury or loss on the last day of your 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 travel back to India and need to continue your treatment abroad.

Q:

Can the existing international travel policy be extended to cover domestic travel as well?

Ans:

No. You cannot extend an international travel insurance policy to cover any journey within India. The scope of international travel insurance is limited to trips taken to travel outside India only. If you want to insure your trip within India, you will have to buy a domestic travel insurance policy.

Q:

Will the policy cover the expenses towards new passport loss incurred in India?

Ans:

No. A travel insurance policy only covers expenses incurred on obtaining a new passport if the original passport was lost during an international trip.

Q:

Can I file a travel insurance claim once I return to India?

Ans:

Technically, you can file a travel insurance claim 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 insurance claim as soon as the unforeseen event or emergency occurs abroad.

Q:

In case of hospitalization if insured is not able to return on or before the expiry date of the policy, will the insured be still covered under the travel insurance policy?

Ans:

If the insured is unable to return back to India on or before the expiry of his travel insurance due to hospitalization, the insurer will cover the treatment expenses by extending the policy for 30 more days. However, the policy will be extended only if the insured is declared unfit to travel back to India by the doctors at the time of policy expiry.

Q:

Does travel insurance policy cover Hand Baggage?

Ans:

No. Hand baggage is not covered by any travel insurance policy. Only check-in baggage is covered under a travel insurance policy.  

Q:

What if I lose all original documents?

Ans:

If unfortunately, you lose all your original documents, you will not be able to raise a claim with your insurance provider. This is because travel 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.

Q:

Will I be able to extend the travel insurance policy if I already have an ongoing claim?

Ans:

Most insurance companies do not allow travel policy extension if there’s already an ongoing claim. You can still check with your insurance provider if they will extend your travel insurance policy despite an ongoing claim.

Q:

Can I get travel medical insurance for senior citizens who are above 70 years?

Ans:

Yes. Elderly people above the age of 70 years can buy travel medical insurance for their trip. Most insurance companies will offer senior citizen travel insurance 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 finalizing any one policy.

Q:

What's the best travel insurance?

Ans:

The best travel insurance is the one that offers the maximum coverage for a minimum rate of premium.  You can compare the various policies offered by different insurance providers online at websites like policybazaar.com before finalizing an insurance policy.

Q:

What is the proof of my purchased insurance?

Ans:

As soon as you buy a travel insurance policy, you will get an email confirming the policy 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. The policy document is legally recognized as the proof of policy purchase as it contains all insurance details including the insured’s name, policy number, numbers for claim intimation as well as the address for claim submission.

Q:

Do you have any business travel insurance for senior citizens?

Ans:

A few travel insurance companies such as Bajaj Allianz do offer business travel insurance for senior citizens up to the age of 70 years. You can find suitable business travel insurance policies for senior citizens at websites like Policybazaar.

Q:

Which policy is better, individual or family floater?

Ans:

The decision of buying a travel insurance policy with individual or family floater coverage depends entirely on whether you are travelling alone or with someone. In case you are travelling alone or with your friends, you should opt for a travel insurance policy for individuals. But if you are travelling with your spouse or children and want the entire family to be covered under one policy then you should go for a family floater travel insurance policy.

Q:

What will happen if I forget to carry my travel insurance policy along?

Ans:

It is advisable to carry a soft copy of your policy document for travel insurance during your trip. It will come to your rescue if you forget to carry your policy papers with you while travelling.

In case you don’t have either hard copy or soft copy of your policy document, you can visit the official website of your insurance provider and log in to obtain a copy of your policy document. You would need your customer id and policy number to log in and thus, you should know this in every circumstance.

Q:

Would I be reimbursed for the medical expenses incurred abroad, if I go specifically for the purpose of seeking medical treatment?

Ans:

No. If you are travelling overseas especially to receive medical treatment, then the cost of your treatment will not be covered under your international travel insurance. This is because travel insurance only covers the medical treatment expenses that you incur on the treatment of any sudden illness or accidental injury sustained during your trip.

Q:

Is there a free Look-in /look-in period available?

Ans:

No. Most travel insurance policies do not come with any free look-in period. Although a few insurance providers do offer a free-look period to people opting for annual multi-trip travel insurance policy or student travel insurance policy. However, you can cancel your policy anytime before commencing your trip.

Q:

Can I cancel my policy midway?

Ans:

Yes. You can cancel a travel insurance policy midway after commencing your trip. However, the amount of premium to be refunded depends on your insurance provider and can vary from one insurer to another.

Q:

Do I need to undergo any medical examination for coverage?

Ans:

Most insurance companies do not require travellers to undergo a medical examination before purchasing their travel insurance policy. Nonetheless, it is better to check guidelines of the insurance company on whether you need to undergo a pre-policy medical check-up or not.

Q:

Will the policy be withdrawn by the insurer at any point of time? If so, what are the options available?

Ans:

Yes. An insurance company can withdraw a travel insurance 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 the insurance company informing him about the withdrawal at least 3 months before the expiry of the policy.

In case of policy withdrawal, the insured traveller will be able to continue with his ongoing policy until the scheduled date of policy expiry. However, he will not be able to renew such a policy as the police will cease to exist.

Q:

What is the difference between single and multi-trip policy?

Ans:

The main difference between a single trip and multi-trip travel insurance lies in its validity. While single trip travel insurance is only valid for the entire duration of one single trip, the multi-trip travel insurance is valid for multiple trips undertaken within a year. A single trip travel insurance policy begins with the commencement of your journey and ends once you reach back home. A multi-trip travel insurance policy starts from the day you purchase the policy and expires after 365 days or one year.

Q:

What kinds of medical coverage are provided under a travel insurance policy?

Ans:

Most insurance companies cover the following medical expenses under a travel insurance policy:

1. Cost of in-patient treatment

2. Expenses incurred on life-saving procedures

3. Out-patient treatment expenses, only if the illness/ injury is quite critical

4. Treatment cost of accidental injury or broken bones

5. Expenses incurred on the diagnostic and pathological tests such as X-ray, blood test, etc.

6. Cost of dental treatment taken to provide pain relief

7. Expenses incurred on medical evacuation to a hospital

Q:

Can I avail cashless facility for hospitalization under travel insurance?

Ans:

Yes. All insurance companies offer cashless claim facility if the insured gets 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 insurance provider.

Q:

Is FIR required on the occurrence of an accident?

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.

Q:

My entire family is travelling with me for 2 months. My house is going to be locked. In case there is a robbery/ theft or fire, will the policy reimburse us?

Ans:

A lot of insurance companies offer a travel insurance that covers home insurance. This type of insurance covers the insured’s house from damages caused by external factors such as 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 under home insurance in case there is a robbery or damage caused due to fire.

Q:

What happens if the flight is delayed?

Ans:

In case the flight in which the insured is supposed to travel gets delayed for more than a specific number of hours, then his insurance company 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.  

Q:

What will happen in case the flight is hijacked?

Ans:

If the flight in which the insured is travelling gets hijacked for more than a certain number of hours, then his insurance provider will provide compensation in the form of hijack distress allowance up to a certain limit.

Q:

If I suffer any loss while travelling by railway/ ship in a foreign country does my international travel policy help me in any way?

Ans:

Most travel insurance 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 international travel insurance will cover the treatment expenses as well as provide compensation in case of death.

Q:

What will happen if my baggage does not clear in time? Will my policy help me in any way?

Ans:

All travel insurance cover 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.

Q:

When does the travel insurance cover begin and end?

Ans:

The coverage of a travel insurance policy begins as soon as you commence your trip and ends the moment you return back to your city of residence. In the case of multi-trip travel insurance policy, the cover starts from the time you purchase the policy and ends after a time period of one year. However, the duration of each trip is restricted to 30-60 days.

Q:

How long is a travel insurance cover valid?

Ans:

A single trip travel insurance policy is valid for the entire duration of a trip. It starts the moment you board the flight, bus or train and end when you get back home. On the other hand, a multi-trip travel insurance policy offers coverage for multiple trips taken by an individual within a period of one year. Although the per trip coverage cannot be more than 30 or 60 days, depending on the insurer.

Q:

Can you fly without travel insurance?

Ans:

Yes, you can fly to another country without insuring your trip, provided it is not a mandatory required in the destination country. For instance, it is compulsory to possess a valid travel insurance policy in order to obtain a Schengen visa to enter the Schengen area.  

Q:

Should I purchase flight insurance?

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 air travel. You should instead opt for trip insurance that would give you a wider range of coverage for the entire duration of your trip.

Q:

Does travel insurance cover me if I cancel my flight?

Ans:

Yes. Your travel insurer will cover any expenses or losses incurred on flight cancelation before the date of departure. However, you will have to give a valid reason for the emergency cancelation of your flight tickets.

Q:

Does travel insurance cover non-refundable airline tickets?

Ans:

Yes. A trip insurance policy covers cancellation of non-refundable flight tickets. The expenses or losses incurred on cancellation of flight will be refunded by your travel insurer.

Q:

What is a covered reason for trip cancellation?

Ans:

Some of the most common reasons for trip cancellation that are accepted by the travel insurer are:

1. Injury or illness of the insured, an immediate family member or business partner

2. Occurrence of natural calamity or terrorism at the destination country

3. Bankruptcy of the travel provider

Q:

How much does travel insurance typically cost?

Ans:

The cost of travel insurance plans depend on a host of factors including destination, purpose of travel, number of passengers, age of applicant, length of the trip, etc.

 

Travel insurance plans, typically, cost 5%-10% of the cost of the overall trip. However, as discussed above, there are various factors that determine the cost of travel insurance plans.

Q:

Is travel insurance worth the cost?

Ans:

Travel insurance is absolutely worth its cost. Incidences like loss of passport of lost baggage may cause a lot of headache and fortune. This is where travel insurance comes to the rescue of the travellers. Travel insurance plans provide coverage for almost everything, right from missed flights to baggage delays and from medical emergencies abroad to loss of passport.

Q:

How long does the travel visa process take?

Ans:

Applying for a travel visa is perhaps the most important thing in the bucket list of most travellers. Travel visa is one of the most important documents required to travel abroad and it makes sense to get acquainted to the travel visa application process.

 

Travel Visas 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 to the travel visa application process to ensure smooth and hassle-free travel experience.

 

Those planning to travel abroad must visit the website of the respective embassy of the country they plan 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 the their intended destination’s consulate.

 

Visa process may involve 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.

Q:

Can I make the visa application process faster?

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.

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Average Rating
(Based on 30 Reviews)
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Travel Insurance Reviews & Ratings
4.7 / 5 (Based on 30 Reviews)
(Showing Newest 15 reviews)
Kamal
Koriya, January 15, 2020
Quick and best
As always, I got my travel insurance from Policybazaar and it was seamless with a lot of options to choose the best suited from.
Harish
Paliganj, January 09, 2020
Best prices
Saved a lot on travel insurance at Policybazaar. I checked a lot of websites and got the best price here.
Yashwant
Buxar, January 02, 2020
Best company
I really love to be associated with policybazaar as they helped me getting a good and best travel plans.
Kanchan
Madhubani, December 26, 2019
Customer service
I like the plans as I can compare them and can get the best one. If I feel any doubt I can easily approach the customer care people of policybazaar.
Rohit
Milkipur, December 18, 2019
Claim
Getting a claim is quite easy and not so difficult. I really like the services of the policybazaar.
Manish
Khawhai, December 16, 2019
Beneficial
I like the plan which I have opted as I got good benefits at an affordable price.
Vikal
Purwa, December 11, 2019
Coverage is good
The best part of taking a travel Insurance from policybazaar is that it covers in a better way. It provides the benefited type policy.
Shahid
Islampur, December 09, 2019
Good Customer Support
The customer service executive are very nice and they helped me getting the best deal of travel plans.
Shivang
Dhenkanal, December 06, 2019
Choices
Policybazaar provides us with the option of getting the best plans.
Rakesh
Akola, December 05, 2019
Easy to look plans
The quotes and the plans which were given on policybazaar website was quite reasonable and genuine.
Liyakat
Andipatti, December 04, 2019
Quick and Hassle free
Recently I got my travel insurance from policybazaar. I got my policy copy within 15 minutes.
Vishal
Agra, November 26, 2019
Best Plans
I bought a travel insurance from policybazaar. It was a good experience to get the best plan from them.
Ganesh
Nellore, September 03, 2019
Smooth and easy process
The process of purchasing the travel insurance was smooth and I got the best deal at Policybazaar. Have not made any claim yet so not sure about that.
Raghav
Mehmdabad, September 01, 2019
Best insurance platform ever
The process and information was amazing as always. I get all my insurances from Policybazaar. It is smooth, easy, value for money and they have the best claim assistance.
Shivi
Rayachoti, August 31, 2019
Travel insurance is a must
My little investment on travel insurance saved me from the losses I would have suffered due to loss of my luggage. I would suggest all international travellers to get their trip insured without fail. Thank you, Policybazaar.