Does Your Travel Insurance Covers Only Baggage Insurance?

When it comes to travel or holidays, the world seems to be small enough! What starts out as a business or leisure trip can soon turn into a feverish exercise of hunting down lost luggage, being bogged down by a sudden illness or being stuck at an airport due to flight delays or cancellations. This is why having comprehensive travel insurance in place helps.

Read more



* Price shown is for a 15 day trip to UK with a 1 lakh dollar coverage for an adult of age 25 years

  • 1Destinations
  • 2Trip Date
  • 3Travellers
  • 4Medical
  • 5Contact
Plans include global Covid-19 coverage

Popular Destinations

Select trip dates

Don’t worry you can change your trip dates at a later stage

How many people are travelling?
1
2
3
4+

No. of travellers

-
4
+
Does the traveller have any pre-existing medical condition?

If the traveller have a known illness, injury or health condition like heart disease, diabetes, cancer etc which will help us cover you

Please select the travellers who have a pre-existing medical condition

Great! One last step to get your travel insurance plans
It will help us to share policy documents and assist you in claim settlement if needed
By clicking on "" you agree to our Privacy Policy and Terms Of Use
Get updates on WhatsApp

Now covers COVID-19

Just a minute!
Safety is not expensive, it's priceless!
Travel Insurance plans starting at just ₹50 per day*
  • No medical checkup required
  • Pre-existing coverage available
  • Instant Policy Issuance
  • Medical expenses, Trip cancellation/delay, Loss of baggage & Passport etc.
  • 24x7 claims support

* Price shown is for a 15 day trip to UK with a 1 lakh dollar coverage for an adult of age 25 years

Get Travel Insurance from 8+ insurers having more than 20 plans with Policybazaar

Plans include Covid-19 global coverage

Plans include Covid-19 global coverage

Accidental & sickness expenses

Accidental & sickness expenses

Covers Loss of check-in Baggage

Covers Loss of check-in Baggage

Get Trip Cancellation benefits

Get Trip Cancellation benefits

* Price shown is for a 15 day trip to UK with a 1 lakh dollar coverage for an adult of age 25 years

Top Travel Insurance Plans

  • Individuals
  • Sr. Citizens
  • Students
Plans for an individual of 30 years age travelling to USA for 15 days

There is a misconception that the main purpose of travel insurance is to act as a safeguard in case one’s baggage goes missing. However, in reality, travel insurance actually works as a saviour in a number of other scenarios as well.

Here’s a list of scenarios where travel insurance proves handy, relevant and important, if not necessary:

Loss of Passport

If you happen to go through the misfortune of losing your passport when travelling abroad, there is hope. General travel insurance usually covers loss of passport. All you’ve got to do is keep the given emergency number handy and contact the insurer in case you lose your passport. Not only will you be provided with a duplicate passport, but all your related expenses will also be covered.

Missed, Delayed, Cancelled Flights

If your flight is delayed for hours and you need to check into a hotel, your travel insurance will cover this cost. Though it is essentially the duty of the airline to get you to your destination and cover food, hotel and other costs associated with delays or cancellations, the insurance company reimburses you for the expenses incurred if the airline doesn’t do so. This is, of course, contingent upon whether this is covered by the travel plan you have opted for, with sub-limits that come into play.

Travel insurance also covers the cost of your ticket if you miss your flight, or even a connecting flight, for that matter. Of course, there are certain limitations to this as you will not be covered if you missed the flight due to your own carelessness. However, if the car, cab or public transport you used to get to the airport broke down or got involved in an accident, you can make an insurance claim.

You May Like: 7 Excuses For Not To Buy Travel Insurance

There may be cases where either the flight is cancelled due to bad weather conditions, or where you might have to cancel your trip due to sudden illness, death in the family or another emergency. Your wallet might take a hit as a result, especially if tickets and travel packages are non-refundable. A travel baggage insurance plan saves the day, in such situations. Most policies cover this basic risk; all you’ve got to do is to make a claim and provide the necessary documentation to your insurer. If it falls under the purview of the insurance policy, you will be reimbursed accordingly.

TRAVEL INSURANCE COVERAGE

  1. Loss of Baggage
  2. Flight Delays
  3. Cancelled Trips
  4. Loss of Passport
  5. Medical Emergencies
  6. Terrorism and Natural Disasters
  7. Accidental Death & Disability
  8. Burglary at home while travelling

Medical Emergencies

Though you might be in the pink of health at the start of your trip, you never know when adversity might strike in the form of a medical emergency. If your medical insurance does not cover medical emergencies on international soil, you might find yourself having to pay for very expensive medical care out of your own pocket.

Provided that medical emergencies form a part of your cover, you can use your travel insurance plan to avail medical assistance where the insurer will pay for diagnostic tests, in an outpatient treatment and ambulance and evacuation charges. Some insurers also provide cashless hospitalisation on a worldwide basis, like the overseas travel insurance package offered by Reliance General Insurance.

You should; however, read the fine print to confirm whether your plan covers pre-existing illnesses as some plans do not cover the same.

Emergency Evacuation

Given the recent attacks in Brussels and Paris, you never know when an emergency situation might arise. Both manmade and natural calamities are covered in travel insurance, be it a terrorist attack, political uprising, tsunami, earthquake or epidemic. Your travel policy will ensure that you are evacuated from the conflict zone and flown safely home. Furthermore, insurance will also cover financial losses faced and provide advance emergency cash.

Accidental Death or Disability

Certain insurance policies also cover death due to an accident or illness, where the cost of transferring the deceased person back to their country is paid by the insurer. Travel insurance policies also cover personal accident compensation in case of an injury during a trip that leads to death or disability. In such a case, the policyholder will be covered up to a maximum of the sum assured. The cover offered could also be subject to terms and conditions. Bajaj Allianz, for instance, provides only 50% of the sum assured in cases where the deceased is below 18 years of age.

Burglary at Home

This is a lesser known benefit but travel baggage insurance also actually covers burglary. If your house gets robbed while you are away on a trip, your travel insurance policy will cover this too. You can claim a certain amount of the valuables and other items stolen.

In Conclusion!

Before purchasing a travel insurance package, you should ensure that you have read the policy documents so that you are fully aware of the inclusions, exclusions and claim limits. Since you can never say when you would need to avail of travel insurance, it’s advisable that you carry your lost luggage insurance documents along with you on your trip.

You May Also Want to Know About

Best Travel Insurance Policies in India

Best Travel Insurance Policies in India

Best Travel Insurance Policies in India When finding the best travel insurance plan, you’ll get a long list of travel insurance policies online. Even if you ask any expert to name the best, you will probably get an answer that would be non-committ...
Best Student Travel Insurance Plans in India

Best Student Travel Insurance Plans in India

Best Student Travel Insurance Plans in India Do you plan to travel abroad for higher studies? Then you must already know about high airfares and other expenses that you may face there. With student travel insurance, studying abroad can be stress-fr...
Benefits of Buying a Travel Insurance Plan for Your Next Holiday

Benefits of Buying a Travel Insurance Plan for Your Next Holiday

Benefits of Buying a Travel Insurance Plan for Your Next Holiday Most of us love to travel. Exploring new lands and new cultures is always exciting. However, it does not take much time for a straightforward mishap to turn your entire trip’s fun i...
Domestic Travel Insurance Coverage & Benefits

Domestic Travel Insurance Coverage & Benefits

Domestic Travel Insurance Coverage & Benefits Numerous insurance companies are providing travel insurance for journeys within India. But do you think of buying travel insurance in India as a compulsion or necessity? Read on to know how is it ad...
10 Best Travel Insurance Plans for Your New Year Travel

10 Best Travel Insurance Plans for Your New Year Travel

10 Best Travel Insurance Plans for Your New Year Travel Travel insurance can be taken for an international travel as well as domestic travel. Overseas medical and travel insurance can cover your medical expenses, personal accident. Read more ...
 
top
View Plans