Travel Insurance

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. Travel insurance is a unique product that offers you financial help in case something were to go wrong while you’re travelling, abroad or not.

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Explore the world without any worries

Best Travel Insurance policies designed for all your needs.

Plans include global Covid-19 coverage

  • Accidental & sickness expenses
  • Baggage Delay / Loss
  • Trip Delay / Cancellation
  • Passport Loss
  • Emergency Medical Evacuation
  • Missed flights
Plans include global Covid-19 coverage

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    Now covers COVID-19

    What is Travel Insurance?

    A travel insurance policy is a type of insurance that offers financial compensation to the policyholder in case anything goes wrong on the trip. A travel insurance plan covers vacations, business trips, and even educational trips.

    It offers coverage against a range of emergencies, medical or non-medical, all offered in exchange for an affordable premium. Benefits include compensation for the theft of your money or passport, medical evaluation, flight cancellation, misplaced or lost luggage, delay in checked-in baggage, missed connections, etc. In case of urgent emergencies, the policy also helps with medical evacuation and repatriation, financial emergency assistance, and so on.

    The sum insured can be utilized for medical emergencies, baggage loss, trip cancellations, accidents, and passport loss, etc. It also offers medical coverage for COVID-19 with minimal paperwork.

    There are various types of travel insurance plans such as international travel insurance, domestic travel insurance, student travel insurance, senior citizen travel insurance, and family travel insurance plans. Moreover, you can choose to buy single or multi-trip travel insurance plans. The details regarding the coverage benefits are given below:

    • Medical Expenses
    • Personal Accident
    • Medical Evacuation
    • Loss of Passport
    • Loss of Checked-in Baggage
    • Theft/Loss of Personal Belongings
    • Trip Cancellation & Curtailment
    • Trip Delays

    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.

    Why Should You Buy Travel Insurance Online?

    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. 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.

    #DidYouKnow about Travel Insurance

    The insurer will not provide cover if the insured gets injured under the influence of Alcohol.
    The policy buyer must tell the insurer about the pre-existing diseases while purchasing the policy otherwise the insurer will not provide cover for it.
    If the policyholder is going abroad for a particular treatment, the insurance company will not provide cover for it.
    If the insured person's baggage is lost for more than 12 hours then they can purchase the essentials, clothes, medication, etc. and the insurer will provide cover for it.
    In case the insured get hospitalized, the return ticket of a family member is covered under travel insurance so that they can go and take care of the insured in person until recovered.
    Travel insurance policy protection starts from the moment you step outside of your house and ends until you come back from your trip.
    Since the outbreak of Covid-19, travel insurance plans started providing cover for it but with a small increment in premium rate.
    In case the insured go on a trip on the last day, the insurance company can extend the cover as per their norms.
    Policybazaar provides assistance in the claiming process in your travel insurance until it is done.
    Many travel insurance providers offer cashless claims, so better check with your insurer before purchasing an insurance plan.
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    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:

    • Domestic Travel Insurance

      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.

    • International Travel Insurance

      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.

    • Schengen Travel Insurance

      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).

    • Family Travel Insurance

      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.

    • Senior Citizen Travel Insurance

      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.

    • Student Travel Insurance

      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.

    • Corporate Travel Insurance

      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.

    • Group Travel Insurance

      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.

    • Medical Travel Insurance

      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.

    • Multi-Trip Travel Insurance

      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.

    • Single Trip Travel Insurance

      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.

      Other Types of Travel Insurance Plans:

    • Baggage Insurance

      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.

    • Flight 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

    Eligibility Criteria

    Key Features

    Aditya Birla Travel Insurance

    NA

    • Medical expenses cover
    • Passport loss
    • Automatic policy extension

    Bajaj Allianz Travel Insurance

     06 months to 70 years

    • Cashless hospitalization
    • Overseas COVID-19 coverage
    • Loss of baggage/passport

    Bharti AXA Travel Insurance

    03 months to  85 years

    • Medical coverage
    • Emergency financial assistance
    • Baggage insurance

    Care Travel Insurance

    01 day and above

     

    • Emergency hospitalization
    • Upgradation to business class
    • Adventure sports cover

    Chola MS Travel Insurance

     03 months to 80 years

    • Overseas medical expenses
    • Compassionate visit
    • Loss of international driving license

    Digit Travel Insurance

    03 months to 99 years

    • Emergency medical treatment
    • Flight delays
    • Adventure sports cover

    Future Generali Travel Insurance

    06 months to 80 years

    • Medical expenses cover
    • Personal accident
    • Baggage delay/ loss

    IFFCO Tokio Travel Insurance

    NA

    • Overseas medical expenses
    • Trip cancellation
    • Hospital daily allowance

    National Travel Insurance

    NA

    • Medical expenses cover
    • Personal liability
    • Passport loss

    New India Travel Insurance

    06 months to 70 years

    • Medical coverage
    • Delay of check-in baggage
    • Personal accident

    Oriental Travel Insurance

    06 months to 70 years

    • Overseas medical expenses
    • Passport loss
    • Personal liability

    Reliance Travel Insurance

    06 months to 70 years

    • Cashless hospitalization
    • Trip delay
    • Home burglary insurance

    Royal Sundaram Travel Insurance

    91 days and above

    • Medical expenses
    • Political risk & catastrophe evacuation
    • Missed connections

    SBI Travel Insurance

    06 months to 70 years

    • Emergency medical treatment
    • Trip delays
    • Cash advance

    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
    • Personal liability
    • Flight delays and cancellation

    Tata AIG Travel Insurance

    06 months to 70 years

    • Medical coverage
    • Bounced flight/hotel bookings
    • Automatic trip extension

    United India Travel Insurance

    5 years to 80 years

    • Medical expenses
    • Trip cancellation
    • Hospital daily allowance

    Universal Sompo Travel Insurance

    01 day to 70 years

    • Emergency medical expenses
    • Personal accident
    • Baggage loss
    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

    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.

    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:

    How to Buy Best Travel Insurance

    • 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.

    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

    Travel Insurance - FAQs

    • Q: How Much Does a Travel Insurance Policy Cost?

      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.
    • Why Do I Need Travel Insurance?

      While travelling brings joy to most, it also has its share of mishaps. You can face difficulties because of baggage or passport loss, an unexpected accident or a medical emergency while you're travelling abroad. For business or leisure, international travel insurance plans protect your trip from any such perils with extensive coverage. Be it a trip cancellation or a necessary compassionate visit from your loved one, you will not be left stranded in any kind of emergency.

    • Q: When Should You Buy a Travel Policy?

      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.
    • Q: What Credit Cards Offer Free Travel Insurance?

      Ans: The best credit cards that offer trip insurance are:
      • Axis Bank Privilege Credit Card
      • Axis Bank Vistara Signature Credit Card
      • Axis Bank Miles & More World Credit Card
      • Standard Chartered Visa Infinite Credit Card
      • HDFC Bank Regalia Credit Card
      • IndusInd Bank Platinum Credit Card
      • IndusInd Bank Platinum Aura Credit Card
    • Q: Can You Buy Insurance After Starting Your Trip?

      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.
    • Q: How Do I Choose a Travel Policy?

      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.
    • Q: Does a Travel Insurance Policy Cover Pre-Existing Diseases?

      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.
    • Q: I Suffer from Hypertension / Diabetes. Can I Buy a Travel Policy?

      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.
    • Q: What Sum Insured Should I Opt for While Travelling to Schengen Countries?

      Ans: When travelling to Schengen countries, you should opt for Schengen insurance with a sum insured of a minimum amount of EUR 30,000 because it is a mandatory requirement to obtain a Schengen visa.
    • Q: In Case 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 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.
    • Q: How long does it take to receive the policy papers once I purchase the insurance online?

      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.
    • Q: Can more than one policy be issued for the same trip?

      Ans: No. Every traveller will be issued only one 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 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.
    • Q: What if I fail to produce the required documents?

      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.
    • 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 it has been approved by your insurer.
    • 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:
      • Inform your insurer or Third Party Administrator about your claim
      • Fill up the claim form and arrange all the required documents
      • 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 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.
    • 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 buying insurance policy for their journey abroad.
    • Q: If I take a travel policy for 2-months, would I be able to extend it later, as per my requirement?

      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.
    • 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 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.
    • Q: What is the duration of the policy that can be issued on an immigrant visa?

      Ans: Most insurance companies offer travel policies 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 his policy?

      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.
    • Q: I already purchased insurance, but there seems to be some change in my journey dates. Can I alter/change my trip dates in the policy?

      Ans: Yes. In case of a change in your travel dates, you can alter the journey dates in your policy anytime before the beginning of your journey.
    • Q: I am an OCI Card holder (Overseas Citizen of India). Can I buy a travel policy?

      Ans: Yes. OCI Card holders can buy a travel policy, provided they have a valid Indian passport and intend to return back to India.
    • Q: I want my parent(s) to visit me. Can I be their proposer and purchase their policy?

      Ans: Yes. You can purchase a trip insurance policy on behalf of your parents as a proposer.
    • Q: Can I purchase a travel policy for my minor child, who will visit me during the holidays?

      Ans: Yes. You can purchase a travel policy 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 an insurance policy on behalf of someone unrelated to you. You can only purchase it 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 a student travel policy?

      Ans: Yes. Many insurers offer trip insurance for short-term courses. You can visit websites such as Policybazaar to find policies online that will cover you for short term courses of 6 months.
    • Q: If a student travel policy is issued for 2 years, the sum insured is applicable on a yearly basis or overall?

      Ans: If you purchase a student insurance policy for 2 years, the sum insured amount will be applicable for the entire tenure.
    • Q: I already have a student travel policy 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 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.
    • Q: Is travel insurance policy mandatory?

      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.
    • Q: Can I buy insurance if I am going on a work permit abroad?

      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.
    • 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 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.

    • Q: If I sustain a loss on the last day of my insurance 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 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.
    • Q: Can the existing international travel policy be extended to cover domestic trips as well?

      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.
    • Q: Will the insurance cover the expenses towards new passport loss incurred in India?

      Ans: No. A travel policy only covers expenses incurred on obtaining a new passport if the original passport was lost while travelling abroad.
    • Q: Can I file a trip insurance claim once I return to India?

      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.
    • Q: In the 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 it?

      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.
    • Q: Does travel policies cover Hand Baggage?

      Ans: No. Trip insurance does not cover hand baggage as only check-in baggage is covered by it.
    • Q: What if I lose all the original documents?

      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.
    • Q: Will I be able to extend my travel policy if I already have an ongoing claim?

      Ans: Most insurance companies do not allow policy extension if there’s already an ongoing claim. However, it is advisable to check with your insurer about the same in such a situation.
    • Q: Can I get overseas medical insurance for senior citizens who are above 70 years?

      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.
    • Q: What is the proof of my purchased insurance?

      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.
    • Q: Do you have any business travel policies for senior citizens?

      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.
    • Q: What will happen if I forget to carry my travel policy along?

      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.

    • 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 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.
    • Q: Is there a free Look-in /look-in period available?

      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.
    • Q: Can I cancel my policy midway?

      Ans: Yes. You can cancel your policy midway after commencing your journey. However, the amount of premium to be refunded depends on your insurer 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 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.
    • 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 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.

    • Q: What is the difference between single and multi-trip insurance?

      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.
    • Q: What kinds of medical coverage are provided under a travel policy?

      Ans: Most insurance companies cover the following medical expenses under travel policies:
      • Cost of in-patient treatment
      • Expenses incurred on life-saving procedures
      • Out-patient treatment expenses, only if the illness/ injury is quite critical
      • Treatment cost of accidental injury or broken bones
      • Expenses incurred on the diagnostic and pathological tests such as X-ray, blood test, etc.
      • Cost of dental treatment taken to provide pain relief
      • Expenses incurred on medical evacuation to a hospital
    • Q: Can I avail cashless facility for hospitalization under a travel insurance policy?

      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.
    • 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 I be reimbursed?

      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.
    • Q: What happens if the flight is delayed?

      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.
    • 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 insurer 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 insurance help me in any way?

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

      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.
    • Q: When does the travel policy begin and end?

      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.
    • 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 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.
    • Q: Will my travel policy cover me if I cancel my flight?

      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.
    • Q: Do travel policies 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 insurer.
    • Q: What is a covered reason for trip cancellation?

      Ans: Some of the most common reasons for trip cancellation that are accepted by insurance companies in India are:
      • Injury or illness of the insured, an immediate family member or business partner
      • Occurrence of natural calamity or terrorism at the destination country
      • Bankruptcy of the tour provider
    • Q: Is travel policy worth the cost?

      Ans: Trip insurance is absolutely worth its cost. It provides 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 visa process take?

      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.

    • 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.
    • Q: How do I choose a travel insurance plan?

      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
    • Q: Can you fly without travel insurance?

      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.
    • Q: How to avail the cheapest travel insurance?

      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
      • Destination
      • 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.

    • Q: How much travel insurance do I need?

      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.

    • Q: When is the best time to purchase a travel insurance policy?

      Ans: You can buy a travel insurance policy at any point in time before your journey commences. However, it is advisable to buy the policy quicker for the better.
    • Q: Does travel insurance cover me if I cancel my flight?

      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.

    Explore Latest News of Travel Insurance

    • India Starts International Flight With These 18 Countries

      As per the latest notification released by the Ministry of Civil Aviation, India has begun international flight under Air Bubble arrangement with 18 countries in September. Air bubble agreement is a bilateral agreement between two countries that enables the scheduled travelling with a set of regulations as well as specific restrictions.

      The flight schedule is available only till September 30, 2021. However, the suspension of international passenger flights scheduled will continue till September 30 because of Pandemic.

      The Air Bubble pact has been formed by India with 28 countries. The countries include, USA, UK< UAE, Bhutan, France, Kenya, etc. If any passenger is planning to go to any of the international city then they can check it in the list of cities with which India made air bubble pact.

      On September 3, India resumed light with Bangladesh under Air bubble agreement. Here are the cities to which Indians can start travelling in the month of September.

      • Afghanistan-Kabul
      • USA-Chicago, Newark, San Francisco, Washington
      • UAE-Dubai & Abu Dhabi
      • Sri Lanka-Colombo
      • UK- Birmingham-London
      • Russia-Moscow
      • Oman-Muscat
      • Japan-Narita
      • Maldives-Male
      • Nepal-Kathmandu
      • Bangladesh-Dhaka
      • Canada- Vancouver & Toronto
      • Kenya-Nairobi
      • Bahrain-Bahrain
      • Kuwait-Kuwait
      • France-Paris
      • Germany-Frankfurt

      As per the reports of Ministry of Civil Aviation, Airline companies in India and airports have suffered a financial loss of Rs. 22,400 Crore in the FY2021 because of the suspended flight operations due to Covid-19 on March 23. However, domestic flights were resumed in May 2020 and International flights were started under Air Bubble agreements and Vande Bharat mission.

    • 9 Countries Are Accepting Visa of Indian Passport Holders

      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.
    • Dubai Government Relaxed Travel Restrictions for Indian Travellers

      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.

    • Lebanon Lifts Ban on Indian Travellers Entry from July 12

      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.

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

      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.

    • Thailand likely to make Travel Insurance Compulsory

      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.

    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
    Average Rating
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    Travel Insurance Reviews & Ratings
    4.6 / 5 (Based on 144 Reviews)
    (Showing Newest 15 reviews)
    Rohit
    Bangalore, September 20, 2021
    Good service
    In my travel insurance, Policybazaar had handled everything regarding my travels. I had taken travel insurance as I was going to Singapore for my business purpose. i did not face any problem and policybazaar provided me very good service till the end.
    Ramya
    Delhi, September 17, 2021
    Add on covers
    I was facing the problem in customizing my travel plan. i approached the customer care of Policybazaar from where i have taken travel insurance and an executive sorted the things out within a minute and I was able to customize my plan. I have customized my travel insurance with add ons.
    Nihal
    Gurgaon, September 17, 2021
    Minimal documentation
    I have bought travel insurance and got great deal from Policybazaar. The team is very good at customer management. I went through a smooth process and did not need to do much paperwork. I have taken my travel plan with only minimal documentation.
    Arnav
    Kollam, September 14, 2021
    Easy to buy online
    I have taken travel insurance from policybazaar. It will give me protection in case of any travel related risk like loss of passport or passport and medical expenses are covered under the same. There was no need of insurance agent as i bought my plan online by myself which was quite easy and convenient.
    Dhruv
    Anantapur, September 13, 2021
    High coverage
    Anyone who travels frequently must visit Policybazaar for travel plan as the company offers great features and high coverage under travel policy. i took travel insurance from Policybazaar and everything has been hassle free and good.
    Anish
    Bangalore, September 08, 2021
    Less paperwork
    In my travel insurance, it has coverage for medical expenses, loss of baggage, passport, checked-in baggae and many more . i bought my plan from the Policybazaar and did not need to do much paperwork. i got very good features under my plan.
    Suman
    New Delhi, September 07, 2021
    High coverage
    I have taken the travel insurance from the website of Policybazaar. it has coverage against loss passport, lost checked-in baggage, trip delays and many more. I am happy with the facilities provided under my plan.
    Kavya
    Madurai, September 06, 2021
    Budget friendly plan
    I have got budget-friendly travel plan. after searching a lot, i found policybazaar website and here i got travel insurance under my budget. policybazaar provides full support and gives best service to its customers.
    Harish
    Chennai, September 02, 2021
    Amazing features
    I recently bought travel insurance from policyBazaar and i got amazing features under it. it has a coverage against any travel related risk such as baggage loss or passport loss and also it covers Covid-19 treatment.
    Keshav
    Jaipur, September 02, 2021
    Hassle free experience
    i had a hassle free experience with policy Bazaar. i bought travel insurance from here. staff explained me everything in detail and gave me the proper assistance. everything was very smooth and easy. thanks to the team for helping me to choose an affordable plan.
    Nisha
    Jaisalmer, August 27, 2021
    Hassle free experience
    I have bought travel insurance from Policy Bazaar website in which i got severals of advantages. it was very easy to deal with them as they have such cooperative and supportive team. I had a hassle free experience with policy bazaar.
    Sohel
    Surat, August 26, 2021
    Add on covers
    I approached the customer care of Policy Bazaar as I wanted to add more features to my travel insurance. He told me about the add on covers. I customized my plan and added some features I wanted in my policy.
    Ravikant
    Ahmedabad, August 26, 2021
    High coverage
    I have secured my trip from unforeseen emergencies with the help of travel insurance. In this I have got coverage for medical expenses including COVID-19 treatment and travel related risks such as loss of baggage or loss of passport etc.
    Himani
    Gurgaon, August 20, 2021
    Hassle free experience
    I took the travel insurance online through the website of policy bazaar. i liked the benefits which is provided under my plan. i got little discount on online purchasing. indeed policy bazaar give their customer hassle free experience.
    Abhijeet
    Ahmedabad, August 18, 2021
    Affordable plan
    I am a traveller but i was unaware about the travel policy. my partner told me about travel policy. he is already a customer of policy bazaar. on his suggestion I went to policy Bazaar and i bought travel insurance plan for myself.