travel insurance plan

Travel Insurance 

Travel Insurance: Safeguard yourself from the unforeseen troubles with the best travel insurance. Compare and select from a wide range of travel insurance plans online at PolicyBazaar.

How to Buy Best Travel Insurance

  • Compare Travel Plans from Top Insurers
  • Lowest Premium on Travel Insurance Plan
  • Get Policy Online, Instantly

“The world is a book, and those who do not travel read only a page.” 

Saint Augustine

Travelling is an important and regular event in everyone’s life whether it is for leisure or work. People are opting for adventure travels just for the sake of adventure or to spend some family time together. Travelling together creates memories which we cherish all through our life. Who won’t want to go on a vacation amidst scenic lands, pampered days and carefree moments - far away from hectic life! Well, how much we love travel we should not undermine the risks that it entails. Yes, travelling does have its own risks and probabilities of unforeseen situation distress.

Make your travel itinerary foolproof by adding travel insurance to it. A good travel insurance plan will take care of any unforeseen situation during transit. Situations like loss or theft of baggage, delay of flights leading to financial loss, loss of passport and other important documents and medical emergency are quite common. Travel around the globe without any worries with best travel insurance plans from top travel insurers. The best way to ensure that we can manage such an expected situation is to buy a travel insurance plan. PolicyBazaar will help you to compare insurance online & find cheap travel insurance at ease of one click.

types of travel insurance

Types of Travel Insurance Coverage:

You can choose which coverage to opt for on the basis of your specific requirement. Travel plans and policy offer coverage against all possible emergency situation during transit.

Domestic Travel Insurance

Domestic travel insurance is meant for customers who are travelling within the country. It provides coverage for medical emergencies, permanent disability and death, checked-in lost/stolen baggage, travel delay and personal liability.

International travel insurance

International travel insurance offers protection from a number of contingencies for overseas travellers during international travel. It provides a comprehensive coverage for medical expenses overseas, hijack, baggage and travel delays, repatriations/evacuation to India, and loss of travel documents/passport besides the usual coverage.

Corporate Travel Insurance

Under corporate travel insurance India, employees of an organization can get coverage for both international and domestic trips. Click to Read More

Student Travel Insurance

Student Travel Insurance is a travel insurance policy designed for students travelling abroad on student visa to pursue higher studies. The policy covers students who are going colleges, universities or institutes in a foreign country for academic or professional courses. There is minimum paperwork involved in student plans. The coverage is comprehensive and provides for expenses incurred on medical treatment, passport loss, and study interruptions.

Senior Citizen Travel Insurance

Senior citizen insurance is for people who belong to the age group 61-70.It is a travel insurance policy aimed at senior citizens to make their travel a pleasant experience. It includes coverage for dental treatments and cashless hospitalization besides the usual benefits associated with travel insurance.

Family Travel Insurance

A family travel Insurance plan insures the entire family of the insured individual during travel from travel related emergencies. Family travel insurance covers hospitalization (travel medical insurance), baggage loss, and other incidental expenses. The claim disbursement is easy with minimal paperwork involved.

Individual Travel Insurance

As the name suggests, individual travel insurance is meant for a single individual covering him from travel related contingencies. Through individual insurance, you can get coverage against cancellation of trip, home burglary and trip curtailment.

Multi-Trip Travel Insurance

A multi-trip travel insurance is a type of travel insurance offering extended coverage usually for a year, specially designed for frequent fliers for multiple trips so that they don’t have to apply for insurance every time they travel.

Single Trip Insurance

This type of travel insurance provides coverage for the duration of a single trip. It takes care of medical (travel health insurance) and non-medical emergencies during travel including coverage for loss of checked-in baggage. Click Here To Read More about singe trip travel Insurance.

key features of travel insurance

Key Features of Travel Insurance

Purchasing a travel insurance online is all about providing travellers an ideal cover against emergencies and unforeseen situations right from the comfort of home. There are certain key features which one should look out for while zeroing in on a plan.

  • Travel medical insurance covers for in/out patient hospitalization along with daily allowance.
  • Personal accidents cover in case of permanent disability/death.
  • Coverage for contingencies related to personal possession.
  • Coverage for loss of baggage and passport.
  • Coverage for expenses related to trip delays.

travel insurance benefits

Benefits of Travel Insurance

The usual qualms of frequent Travelers include lost passports, stolen bags, trip delay and cancelled flights. Such mishaps can derail perfectly laid out plans instantly. Do not let inevitable events ruin the entire getaway. Choose the best travel insurance as travelers insurance is your friend in need when emergency strikes, whether in your native country or in unknown territories. In a  foreign land, get enough compensation to return home or cover untimely expenses as and when they occur!


There are some common exclusions to a travel insurance policy cover such as:

  • Flights/trains missed due to local protests/civil war.
  • Expenses incurred due to local protests/civil unrest.
  • Pre-existing conditions leading to hospitalization.
  • Baggage delay that is less than 24 hours.
  • Damage/loss of keys.

Note:The exclusions differ from one plan to plan. It is best to compare quotes of travel insurance online using travel insurance comparison feature and choose the best travel insurance plan with minimum exclusions.

policybazaar benefits

PolicyBazaar facilitates a Buyer

Compare travel insurance and buy travel plans online from PolicyBazaar and enjoy the following benefits:

  • Easy travel insurance compare.
  • Make an informed choice by getting quotes for travel insurance online.
  • Avoid confusion and find the plan that suits your specific requirement.
  • Travel insurance comparison and assess to features and benefits of various plans side by side.
  • Save money and time.
  • Buy hassle-free and instantly.
  • Guaranteed safety and peace of mind.

Travel to create good memories. Stay safe, stay insured!

  • How to Calculate Premium for a Travel Insurance Policy?

    It goes without saying that a travel insurance policy is a must when travelling. Travel insurance offers protection from unforeseen contingencies during travel such as a medical emergency (travel health insurance), loss of passport, loss of checked-in baggage, trip cancellation etc. allowing a pleasant, worry-free travel experience. But how much does it cost? What is the premium for a travel insurance policy for your specific trip?

    Internet-based online tool known as a travel insurance premium calculator gives you a tentative idea of the cost of travel insurance. It provides an approximate figure when required particulars are keyed in helping one budget for a trip.

    One has to provide destination details. It has several options under this section - whether one is travelling to Europe/Schengen country or US/Canada etc. One is also required to mention whether insurance is required for a single trip or multiple trips. Details of the number of travellers for whom insurance is required and tentative travel dates are to be given. It next asks for personal details of travellers like their gender, date of birth, annual family income, city of origin etc.

    Finally, after filling in all these details, the travel insurance premium calculator displays the approximate premium amount that one will have to pay for a travel insurance policy for the desired destination and travel dates. It also facilitates in travel insurance comparison and procuring the best travel insurance policy from a host of insurance providers.

  • Claims Process for Travel Insurance

    It is important to get a comprehensive travel insurance cover before commencing travel. One should opt for features that will cover likely travel related contingencies specific to one’s travel. This will prevent disappointment later when filing for travel insurance claim.

    Always carry the main policy document when travelling. It is advisable to have photocopies of the document handy in case one loses the original copy. Keeping a PDF soft copy of the document is also a good idea. One can store it online, in email, on a pen drive or computer or on the mobile phone.

    • In case of an emergency during travel, one should call or email the travel insurance company to understand the claims process including supporting documents required specific to one’s case. The insurer’s contact number - customer care number (generally a toll-free number) and email address are always clearly mentioned on the policy document. One may have to call the contact number of their international partner if travelling abroad.

    • One is then required to send supporting documents to the insurer by post, fax or email.

    • Relevant documents like passport with immigration stamp, claims form, copy of policy, original bills and receipts, police report (if applicable), personal identity proof should be kept handy.

    • Upon submission of claim including all required documentation and proof, it is assessed by a surveyor appointment by the insurance company and processed accordingly.

What is the process of claim settlement?


Claim settlement process has been segmented under below heads-

Cashless Claim Settlement


Claim Reimbursement


What if I the insured die during transit?


If the insured dies during transit, insurance company makes arrangement to transport mortal remains to India.

What does deductible imply under a travel Insurance policy? Does this mean that the amount will have to be paid by the insured?


It is a fixed amount or percentage of an insurance claim that has to be paid by an insured. This deductible can be hefty and mainly it has two parts- voluntary and compulsory excess.

  • Voluntary deductible= It is the amount prefixed by the insured to be paid at the time of claim. For instance, a person has made a claim of Rs 50,000. If the insured decides to pay Rs 10,000 out of the total claim amount, then that amount is called voluntary deductible. The voluntary deductible allows a person to avail discount on premium.
  • Compulsory deductible= This deduction is the amount which is prefixed by the insurance company. It is a specific amount which has to be paid upfront by the insured before the insurer pays the remaining claim part. Usually, compulsory deductible is fixed at a high rate to ensure that minimum claims are being made.

A deductible under a travel insurance policy means that certain part of the claim will be paid by policyholder

If I am travelling abroad for seeking medical treatment, would I be reimbursed for medical expenses?


No, you won’t get any medical expenses reimbursement. Travel insurance covers you only for accidents or sickness which happens unexpectedly and unintentionally while you are travelling abroad. In your case, it is advised to opt for overseas mediclaim policy. To choose the right health insurance plan, click here

I would be travelling for only 4 days; will I get overseas travel cover?


Usually, insurance companies offer overseas travel cover for minimum 7 days. In your cases, you will have to pay premium for a minimum 7 days, irrespective of number of days you stay overseas.

What happens if my baggage is delayed for a day but it is not lost?


Most insurance companies cover baggage delay if it remains lost for over 12 hours. Also, compensation is given to a person for emergency items like medicines and clothes. You have to submit necessary documents for the same.

What is hand baggage cover?


The hand baggage cover commences from the time the insured passes through security at the airport until the completion of trip. The compensation shall be given on the actual declaration made by the insured, provided the overall liability is restricted to the sum specified in the policy.

Are business travelers eligible to buy travel insurance?


Yes, both business and leisure travelers are eligible to buy travel insurance.

How long does it take to get the policy papers once I buy the policy online?


As soon as the insurance company receives your payment, the insurance policy will be given. The entire process doesn’t take more than 15 minutes. Moreover, this soft copy of policy works as a legal document and can be used at the time of claim too.

Can I avail cashless facility for hospitalization under travel insurance?


Yes, insurance companies offer cashless facility for hospitalization under travel insurance.

Is emergency financial assistance available under travel insurance?


Yes, emergency financial assistance is given to insured by the insurance company through its service provider. Financial emergency is a situation when a policyholder loses all his/her cash due to theft, robbery or mugging. Under this benefit, insured is given emergency cash up to the limit mentioned in the policy.

Is my visa status sufficient to get overseas travel insurance?


In most cases, your visa status would be sufficient to get overseas travel insurance.

Can I get refund under travel plan if I cut short my travel?


In case you cut short your travel, policies may or may not allow refund and this is subject to terms and conditions. Please check your policy wordings to know whether such provision is available or not.

Does travel insurance cover loss of credit card/cash?


Travel insurance doesn’t cover loss of debit/credit card, cash, cheques and bank notes.

What are the benefits available under hijack distress allowance?


If the common carrier in which an insured is travelling is hijacked, insurance company pays compensation to his/her family for fixed number of days.

What is medical evacuation?


Medical evacuation means arranging transportation to move an insured to the nearest hospital.

What is medical repatriation?


Medical repatriation means arranging transportation to move an insured to his/her country of residence following a medical emergency.

Are ambulance charges covered under the policy?


Under emergency medical expenses, charges incurred on ambulance services (to and from the hospital) are covered by insurance company.

Is loss of passport covered?


Yes, passport is covered in the insured policy. Also, expenses incurred towards the procurement of a duplicate/temporary passport are also covered under travel insurance policy.

Will claims be settled on my return to India?


Except in case of hospitalization, insurer will settle claims once the insured is back in India.

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