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!

Exclusions

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.

Why should I buy travel insurance?

Ans:

Travel insurance provides protection to you and your loved ones in case you get sick or suffer an injury while travelling. It covers hospital expenses, emergency evacuation bills, lost baggage, flight cancellations and a long list of other costs which can add up to the tens of thousands. Travel insurance provides coverage to deal with unforeseen situations while in transit.

What If I forgot to carry my travel insurance?

Ans:

It is strongly advised to carry travel insurance during trips. In case you miss out the documents then you should have important details of your policy like policy number or customer ID number to avail its benefits.

Can I cancel a policy?

Ans:

Yes, are allowed to cancel your travel insurance only if you don’t undertake the journey covered by your insurance policy. You may have to submit a copy of your passport as a proof that no journey has been undertaken. Insurance companies normally refund premium subject to deductions made towards administrative costs.

What is single and multi-trip insurance?

Ans:

Single and multi - trip insurance depends on the frequency of your trips.

Single trip insurance - It stands valid for a single trip and only for a pre-defined number of days.

Multi-trip insurance - People who go on frequent personal or business trips should go for multi-trip insurance policy. With this insurance cover, you are secured for a maximum number of trips in a year and you don’t need to inform the insurance company about every trip.

How long does the insurance cover start?

Ans:

  • For single trip- Insurance cover starts the moment you board the flight, bus or train.
  • For multi-trip- This insurance plan is designed for frequent travelers. It offers coverage for multiple trips taken by an individual in a period of one year. Coverage per trip can be 30 or 60 days.

For how many days can I extend my overseas travel insurance?

Ans:

The policy can be extended for a maximum of 180 days. In any case, extension should not be more than 360 days. You can renew your plan online by filling a claim form before 7-10 days of the expiry of the current plan.

Can I buy travel medical insurance for my parents who are over 70 years?

Ans:

Yes, travel insurance can be purchased for senior citizens also. There are various insurance companies that offer travel insurance for people who are aged between 71-85 years.

What documents are required to make claim?

Ans:

For claim settlement, you need to fill the claim form and submit following documents-

  • Bills/ Prescriptions/ vouchers/ reports/ discharge summary, containing name of the person treated, type of ailment, details of medical treatment and date of treatment.
  • Prescription should clearly show medicines prescribed, price and the receipt stamp of the pharmacy. For dental treatment, bills/vouchers/reports must show the details of the tooth treated and treatment.
  • For reimbursement of the costs incurred on transporting the mortal remains to India or the cost of burial abroad, it is required to submit an official death certificate along with the doctor’s statement giving the reason of death.
  • For reimbursement of expenses incurred on transporting the insured person to India, a medical statement giving the cause of illness and the requirement of transportation should be submitted.
  • To claim loss of baggage, an insured has to give the proof of value of articles.
  • For personal liability, proof of judicial decision given by the court of law.
  • For personal accident, bills/ vouchers/ reports/ discharge summary, death certificate, FIR, Post Mortem Report and other documents as applicable.

Any other document(s) that the company needs to process the claim.

How to avail cashless facility?

Ans:

When you buy a policy, you are given E-card by an insurance company. Please register yourself on the numbers mentioned on the E-card to avail treatment. Every insurance company has its authorized agency working abroad who settles all overseas claims. Usually, cashless benefits are available only for in-patient treatment and not for outpatient treatment.

Is student travel insurance mandatory?

Ans:

It is not mandatory in every country but yes, there are few countries which have made it compulsory. United States, France, Germany, Italy and Spain have made it mandatory for students travelling into their country to have a proper insurance plan.

Even if it is not obligatory, one should buy this cover in order to ensure a safe and happy stay in an unfamiliar country. Travel insurance helps students during medical contingencies, reimbursement on failure of presence during exams, etc.

Can I buy travel insurance from overseas for my parents who stay in India and are travelling to meet me abroad?

Ans:

Yes, you can buy travel insurance for your parents by using an international debit/credit cards. The soft copy of the policy is a valid legal document and proof of your travel insurance cover.

Who can buy travel insurance?

Ans:

Any individual above the age of 3 years and below 80 years (may vary as per plan) can be covered by travel insurance. It is mandatory that a trip should commence from India.

Why should I buy travel insurance online from PolicyBazaar?

Ans:

As an eminent insurance aggregator, PolicyBazaar is committed towards making your travel pleasant and hassle free. We give you a viable platform to compare travel insurance plans of different companies so that you choose the one that suits you best. When you buy online, you instantly get the policy. Moreover, our experts are available at 1800-103-3999 (Toll free) to address any query.

What is the minimum period for a domestic trip to be insured?

Ans:

Usually, travel insurance offers coverage to domestic trips as short as 1-4 days.

In what circumstances travel insurance claims will not be given?

Ans:

Here is a tabular representation of reasons when travel insurance claims might get rejected under the following broad heads:

Medical

Personal Liability

Personal Accident

Trip inconvenience

Pre-existing diseases

Claims arising out of unlawful acts

Pre-existing diseases

No claim will be entertained for loss/delay of baggage containing perishable items

Pregnancy and related treatment

If an insured was under the influence of drugs, alcohol at the time of incident

Pregnancy and related treatment

Delay due to custom official

Treatment which can be delayed till the insured returns to India

Employer’s liability

Accident occur while doing hazardous activities like parachuting, gliding, etc.

Baggage is delayed on arriving in India

Travelling against medical advice

Disputes between travel companions

Disability due to riots, stroke

Travel document is confiscated by custom official

Treatment for illness if medical help was the sole purpose of travelling

 

Suicide attempt

 

What is personal liability?

Ans:

Personal liability means when you unintentionally injure an unknown person in a fatal accident or you damage third party property. There are various insurance companies which are offering personal liability coverage also. Check your policy wordings to know the extent of coverage.

Do I have to undertake any medical test to buy travel insurance?

Ans:

You must check with the insurer and agent/or broker about medical tests that are required to be submitted along with the duly filled proposal form. Check the validity period of such reports also. Normally, medical reports within three to four weeks prior to departure are accepted. However, there are some companies like HDFC Ergo which doesn’t requires medical insurance up to 70 years.

Can foreign nationals be covered under travel insurance?

Ans:

Foreign nationals working in India with Indian employers of multinational companies and drawing salary in Indian currency can be covered.

What is trip cancellation travel insurance?

Ans:

It is a pre-departure coverage that reimburses you if due to some reasons your trip got cancelled. Some of the reasons of trip cancellation are natural disaster, injury, traffic accidents, assaults, illness, etc.

Will claims be settled on my return to India?

Ans:

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

Our partners
  • aegonlife
  • apollo
  • Aviva
  • Bajaj
  • baxa
  • cigna
  • edelweisstokio
  • exidelife
  • HDFC-ERGO
  • hdfcstandard
  • indiafirst
  • idbi
  • iffco
  • indiafirst
  • Kotak
  • liberty
  • lic
  • L&T
  • metlife
  • Max-Bupa
  • maxlife
  • Reliance
  • religare
  • royal
  • sahara
  • sbilife
  • star-health
  • Future Generali
Policybazaar Insurance Web Aggregator Private Limited, Registered Office no. - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001
IRDAI Web aggregator License No. 06 License Code No. IRDAI/WBA21/15 Valid till 13/07/2018 Insurance is the subject matter of solicitation. Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the Insurer © Copyright 2008-2017 policybazaar.com. All Rights Reserved.
1
Subscribe to notifications