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5 Best Travel Insurance Policies for 2018, Risk-Proof Your Next International Trip

Travelling lets us live stories and transforms us into storytellers. After traveling, when we get back home, our friends and family can’t wait to know our travel tales. That’s the beauty of travel. It unites people and gives them something to talk about. 

Why do we Travel?

Different people have different answers to this question. A majority of people travel to break-free from the monotony of their daily routines. They want to give excel emails, files, con-calls, meetings, etc., a miss and lose themselves in the beauty of nature. Those who can afford to should travel overseas to have a good time. In order to make sure the trip is all fun and no pain, buying an international travel insurance is must.

 A well-planned trip helps you unwind and de-clutter your mind. It gives you that much-needed, me-time that helps you immerse yourself in the beautiful gifts of nature. It’s a great way for you to get in touch with yourself and experience beauty that transforms into cherished memories.

So far, we talked about the positive side of travel. Let’s talk about the negative side of travel. Don’t get us wrong, we only intend to alert you. Besides, only when we overlook essentials, is the negative side of travel exposed.

Travel-Related Risks

Let’s face it, when you travel to an unknown place, you are exposed to various risks. For starters, you don’t know that place, you may not know the language and you, probably, know very little about the locals. You can be robbed, involved in a road accident or need hospitalization in an emergency. Apart from feeling helpless, what can you do in case you come across any unpleasant situation?

Travel Insurance- the Much Needed Support

If you have travel insurance coverage, you don’t have to face such trouble alone. A travel insurance plan, offering sufficient insurance coverage, offers you an extra layer of protection, that makes you feel safe and secure. It makes sure you have a risk-free and super fun trip as well as a comfortable experience and safe return.

You must ensure that your trip is hassle-free. Travel insurance policy is quite helpful during unfavorable circumstances. Let’s know more about it.

What exactly is travel insurance?

A travel insurance policy is procured to cover various trip-related emergency expenses, such as trip-cancellation expenses, medical cover, flight delay or cancellation, baggage loss or delay etc.

Majorly, a lot of potential pre-decided monetary losses are covered by the insurance provider, under a travel insurance plan. They offer various insurance benefits and charge a nominal insurance premium.

It’s very easy to buy online travel insurance plans. You can purchase one at the website, where you book your trip. Travel insurance plans are formulated to offer insurance coverage for your domestic as well as overseas trip.

 

You get quotes for travel plans on the basis of duration and destination. Some plans offer expensive insurance coverage for emergency medical expenses.

In India, it is not a compulsion to have travel insurance coverage when you embark on a journey. There are various countries, such as the America, which mandate tourists to have travel insurance cover.

What Makes a Travel Plan an Absolute Necessity?

In case you have made plans to have a trip full of adventures, the magnitude of your risk-exposure is too high. In order to neutralize those risks, a travel plan is a must.

Even if the magnitude of risks isn’t that high, you must opt for a travel plan to travel tension-free. A minor, unfortunate incident in a foreign country can wash off your savings in a single go. You don’t want that, right? Purchasing the appropriate travel insurance policy offers you insurance coverage, so that your hard earned money remains safe in your bank account.

Most Common Travel-Related Risks

Here are the common travel-related risks that are generally covered by travel insurance providers.

  • Trip curtailment
  • Trip cancellation
  • Trip interruption
  • Baggage delay or cancellation
  • Repatriation of mortal remains
  • Medical emergency
  • Return of a minor
  • Accidental injury or death
  • Disability benefit
  • Loss or theft of luggage, personal belongings or travel documents
  • Overseas funeral expenses
  • Travel delays due to weather conditions
  • Missed flight connection due to airline’s schedule
  • Hijacking

Thanks to their enhanced income, people have more purchasing power. People are willing to spend their hard-earned money on travel, now more than ever. The travel frequency has drastically increased.

Due to the technological advancements, more people have access to the internet. Travelers are more aware of travel insurance.

The benefits offered by a travel insurance plan makes it a worthy expenditure. So, make sure you buy travel insurance coverage when you make travel plans.

The 5 Best Travel Insurance Plans for 2018

In the world of cut-throat competition, insurance companies offer fabulous travel plans at a competitive insurance price. It is good for the travel insurance buyers, but they end up being confused. This is due to the large variety of insurance options available.

You must be wondering, ‘How to select the best travel insurance policy?’ Don’t worry, we have got you covered. This article will be your helpful guide. The 5 best travel insurance providers for 2018 are mentioned below.

  • Tata AIG
  • Apollo Munich
  • Religare
  • Bajaj Allianz
  • HDFC ERGO

Doubtless, there are more insurance providers available, who might fulfill your insurance expectations, that didn’t make it to this list. On the basis of offered coverage, these plans are featured in the list. Let’s have a look.

1. TATA AIG Travel insurance

Tata AIG is one of the top travel insurance providers in India. It provides offers 4 types of travel plans:

  • Travel Guard Plan
  • Student Guard Plan
  • Asia Travel Guard Plan
  • Domestic Travel Guard Plan

Here are the TATA AIG travel insurance plans, described in details.

S.No. Plan Name Coverage 
1. Travel Guard Insurance Plan It provides coverage for sickness, accidents, loss of luggage, passport loss, flight cancellation or delay, dental treatment expenses, emergency travel, legal assistance, emergency repatriation, hijacking, and death.
2. Student Guard- Overseas Health Insurance Policy  It provides coverage for sickness, accidents, loss of luggage, loss of passport, flight cancellation or delay, dental treatment expenses, legal assistance, emergency travel, emergency repatriation, hijacking, death, assault, maternity benefits, special extensions, child care, mental disorders treatment, nervous disorders treatment, cancer screening, physiotherapy, study interruption, fraudulent charges, sponsor programs, bail bond and trip delay. 
3. Asia Travel Guard Plan  It provides coverage for medical emergency, accident, loss of baggage, personal liability and passport loss. 
4. Domestic Travel Guard Plan  It provides coverage for missed departure, accident and medical reimbursement, loss of tickets, personal liability, and responsibility. 

 

2. Apollo Munich Travel Insurance

Apollo Munich has been the most-preferred travel insurance provider for many years. It takes pride in formulating various plans that fulfill the insurance expectations of its customers. It offers 5 types of travel insurance plans that offer comprehensive insurance coverage.

Let’s explore these Apollo Munich travel insurance plans.

S.No. Plan Name Coverage
1.         Easy Travel - Individual Travel Insurance Plan When you travel solo, it provides coverage for health, dental treatment expenses, trip cancellation, trip curtailment, missed connection, hijack allowance, loss of luggage, loss of passport, trip delay, personal liability, accident and repatriation of the mortal remains.
2.         Easy Travel - Family Travel Insurance Plan  When you travel with your family, it provides coverage for health, dental treatment expenses, trip curtailment, hijack allowance, loss of luggage, loss of passport, trip delay, personal liability, accident and repatriation of the mortal remains.
3.         Easy Travel - Senior Citizen Travel Insurance Plan To a certain extent, this plan provides insurance coverage as offered by Easy Travel – Individual Travel Insurance Plan.
4.         Easy Travel - Annual Multi-Trip Travel Insurance Plan It provides coverage for health, dental treatment expenses, trip cancellation, trip curtailment, missed connection, hijack allowance, loss of luggage, loss of passport, trip delay, personal liability, accident and repatriation of the mortal remains.
5.         Educare - Students Travel Insurance Plan It provides coverage for health, dental treatment expenses, trip cancellation, trip curtailment, missed connection, hijack allowance, loss of luggage, loss of passport, trip delay, personal liability, accident and repatriation of the mortal remains, medical cover for the trips to India, study interruption protection, felonious assault, maternity expenses, childcare expenses, mental disorders treatment, nervous disorders treatment, examination emergencies, HIV, cancer, and drug dependency.

 

3. Religare Explore Travel Insurance

Religare offers travel Explore travel insurance plans keeping various regions in mind. The best thing about Explore travel plans is that there is no upper age limit and it doubles up the sum insured by default in case an insured is hospitalized due to an accident.

Religare offers 6 kinds of travel policies.

  • Explore Asia Travel Insurance Plan
  • Explore Africa Travel Insurance Plan
  • Explore Europe Travel Insurance Plan
  • Explore Canada+ Travel Insurance Plan
  • Explore Gold Travel Insurance Plan
  • Explore Platinum Travel Insurance Plan

Let’s explore the details.

S.No. Plan Name Coverage
1.  Explore Asia Travel Insurance Plan This plan caters to the travelers globetrotting across Asia. It provides coverage for hospitalization expenses, in-patient care, out-patient care, life-threatening condition, additional sum insured for accidental hospitalization, daily cash allowance, dental treatment expenses, trip delay, checked-in luggage delay, and personal liability.
2. Explore Africa Travel Insurance Plan This plan caters to the travelers globetrotting across Africa.It provides coverage for hospitalization expenses, in-patient care, out-patient care,  life-threatening condition, additional sum insured for accidental hospitalization, daily cash allowance, business class up-gradation, dental treatment expenses, personal accident, medical evacuation, repatriation of the mortal remains, trip cancellation, trip interruption, trip delay, checked-in luggage loss, checked-in luggage delay, passport loss and personal liability.
3. Explore Europe Travel Insurance Plan This plan caters to the travelers globetrotting across Europe.It provides coverage for hospitalization expenses, in-patient care, out-patient care,  life-threatening condition, additional sum insured for accidental hospitalization, daily cash allowance, class up-gradation, dental treatment expenses, personal accident, medical evacuation, repatriation of the mortal remains, trip cancellation, trip interruption, trip delay, checked-in luggage loss, checked-in luggage delay, passport loss and personal liability.
4. Explore Canada+ Travel Insurance Plan This plan caters to the travelers globetrotting across the world excluding America.It provides coverage for hospitalization expenses, in-patient care, out-patient care,  life-threatening condition, additional sum insured for accidental hospitalization, daily cash allowance, business class up-gradation, dental treatment expenses, personal accident, medical evacuation, repatriation of the mortal remains, trip cancellation, trip interruption, trip delay, checked-in luggage loss, checked-in luggage delay, passport loss and personal liability.
5. Explore Gold Travel Insurance Plan This plan caters to the travelers globetrotting across the world excluding America and Canada.It provides coverage for hospitalization expenses, in-patient care, out-patient care,  life-threatening condition, additional sum insured for accidental hospitalization, daily cash allowance, business class up-gradation, dental treatment expenses, personal accident, medical evacuation, repatriation of the mortal remains, trip cancellation, trip interruption, trip delay, checked-in luggage loss, checked-in luggage delay, passport loss and personal liability.

6.

Explore Platinum Travel Insurance Plan This plan caters to the travelers globetrotting across the world excluding America and Canada.It provides coverage for hospitalization expenses, in-patient care, out-patient care,  life-threatening condition, additional sum insured for accidental hospitalization, daily cash allowance, compassionate visit, the return of a minor child, business class up-gradation, dental treatment expenses, personal accident, accidental death, emergency medical evacuation, repatriation of the mortal remains, trip cancellation, trip interruption, trip delay, checked-in luggage loss, checked-in luggage delay, passport loss and personal liability.

 

 4. Bajaj Allianz Travel Insurance

    Bajaj Allianz offers the best travel insurance plans to fulfill individualistic travel insurance needs of its clients.

    It offers 4 kinds of travel policies.

  • Individual Travel Insurance Plan
  • Family Travel Insurance Plan
  • Senior Citizen Travel Insurance Plan
  • Student Travel Insurance Plan
  • Corporate Travel Insurance Plan

Here are the details of Bajaj Allianz Travel Insurance policies.

S.No. Plan Name Coverage
1.         Individual Travel Insurance Policy It provides coverage for trip delay, medical expenses, dental treatment expenses loss of baggage, passport loss, accidental injuries, hijacks, and personal liability.
2.         Family Travel Insurance Policy It provides coverage for hospitalization, loss of luggage, disbursement of claims, trip curtailment, trip cancellation and burglary.
3.         Senior Citizen Travel Insurance Policy It provides coverage for hospitalization, loss of luggage, trip curtailment and trip cancellation.
4.         Student Travel Insurance Plan It provides coverage for accident, hospitalization, family visit expenses, incidental expenses, tuition fee, bail bonds, loss of luggage, loss of passport, and emergency dental treatment.
5.         Corporate Travel Insurance Plan It provides coverage for medical expenses, dental treatment expenses, accidental injury, loss of checked-in luggage, loss of passport, trip delay, personal liability, and hijack.

 

5. HDFC ERGO Travel Insurance

HDFC ERGO is renowned for formulating flexible plans for its customers.

It offers 5 kinds of travel policies.

  • Single Trip Travel Insurance Plan
  • Multi-trip Travel Insurance Plan
  • Asia Travel Insurance Plan
  • Family Floater Travel Insurance Plan
  • Student Suraksha Travel Insurance Plan

Here are the details of HDFC Ergo travel insurance policies

S.No. Plan Name Coverage
1.         Single Trip Travel Insurance Plan It provides coverage for medical expenses, hospital cash benefit, medical evacuation, accidental injuries, loss of luggage, loss of personal documents, flight delay, and emergency dental treatment.
2.         Multi-trip Travel Insurance Plan It provides coverage for emergency medical charges, accidental injuries, emergency medical evacuation, hospital cash benefit, repatriation of mortal remains, loss or delay of checked-in luggage, flight delay, personal liability, financial emergency assistance, hijack distress cash benefit, loss of luggage, personal documents loss, emergency dental treatment and contingency travel benefit.
3.         Asia Travel Insurance Plan It provides coverage for emergency medical charges, emergency medical evacuation, delay/loss of checked-in luggage, flight delay, hospital cash benefit, hijack distress cash benefit, personal liability, personal accident, loss of luggage, personal documents loss, contingency travel benefit, financial emergency, repatriation of the mortal remains and emergency dental treatment expenses.
4.         Family Floater Travel Insurance Plan It provides coverage for emergency medical charges, accidental injuries, personal liability, medical evacuation, flight delay, loss of luggage  personal documents loss, hospital cash benefit ,emergency dental treatment expenses, repatriation of the mortal remains, total disability, contingency travel benefits, hijack distress cash benefit, financial emergency assistance, and delay/loss of checked-in luggage.
5.         Student Suraksha Travel Insurance It provides coverage for accidental death, childcare benefits, bail bond, passport loss, personal liability, permanent disablement, dental treatment expenses arising out of an accident, emergency medical charges, pregnancy medical expenses, psychological coverage, delay/ loss of checked-in luggage, compassionate visit, and sponsor protection.

 

The Bottom Line

Each travel insurance aggregator offers a different coverage. When it comes to deciding on a plan, it's up to you to pick one. Just make sure the travel insurance plan you have opted for, offers you the best insurance protection at the best travel insurance premium.