Travel Insurance
Travel Insurance
  • 1
  • 2
  • 3
  • 4
  • 5
When are you travelling?

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
We will send you the policy document on this number
Get updates on WhatsApp
  • 1Destinations
  • 2Trip Date
  • 3Travellers
  • 4Medical
  • 5Contact
Travel without any worries, plans starting
30 per day*
Plans include global Covid-19 coverage

Popular Destinations

Schengen Countries
You can select multiple destinations
close
Get updates on WhatsApp
By clicking on "" you agree to our Privacy Policy and Terms Of Use

Now covers COVID-19

Just a minute!
Safety is not expensive, it's priceless!
Travel Insurance plans starting at just ₹30 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 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years

Ratings
We are rated
2.43 crore Policies sold
2.43 crore
Policies Sold
Instant Policy
Instant Policy
In 2 Minutes
Visa- Compliant
Visa- Compliant
All policies

Holiday Plans Ruined by Omicron? Your Travel Insurance Claim May Not Cover Cancellation

You couldn't travel in 2021 so you made all your bookings for 2022, hoping the pandemic won't last this long. Right? Well, Omicron is here and you may be planning to buy travel insurance just for emergencies like these; but can you claim benefits for cancelling your trip because of Omicron?

Read more

Top Travel Insurance Plans

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

Change in Plans Because of Omicron?

Just as some semblance of normalcy had barely begun, another heavily mutated variant of the coronavirus was discovered towards the end of 2021. It is a wise move to not travel while infections are on the rise, however, being insured will not guarantee reimbursement for cancelling your trip. While you can raise a claim towards flight cancellation or trip cancellation, fear of contracting Omicron can’t be the reason.

Many travellers have cancelled or altered their holiday plans because of the latest Omicron variant. Globally, over 30,000 flights up to February 2022 have been cancelled. If you're unsure about travelling during the pandemic and think your insurance policy will cover any losses, then take a look at your travel insurance policy documents again.

Can You Get Reimbursed for Your Trip Cancellation?

Short answer, yes. You can claim cancellation damages for anything that has been covered under your policy terms. While most advertisements and banners of travel insurance plans promise coverage against 'Trip Curtailment' or 'Trip cancellation', you can't change plans according to your personal discomfort or fears. Thus, any non-refundable flight and hotel bookings made by you can't be claimed as cancellation damages if you cancel your trip under your policy's assurance.

You can only claim cancellation benefits under specific conditions, often called 'covered lists of reasons' in policy terms. Hence, it’s very important to know when you will be offered compensation for cancelling a trip along with cases where no claim will be entertained.

When Can You Claim Trip Cancellation Damages?

You will get compensation for cancelling your trip for any one or more of the given reasons below:

  • Severe injury or sickness of yourself or immediate family
  • Death of an immediate family member
  • Damage caused to the residence
  • Natural disasters
  • Terrorist attack
  • Visa declination
  • Re-appearing for exams
  • Employment loss
  • Theft of ID or travel ticket

When Can You Not Claim Trip Cancellation?

Under some circumstances, your travel insurance policy won't cover cancellation damages:

  • If cancellation is done for the convenience of the insured
  • If your tour company made changes in travel arrangements
  • If cancelling out of fear around COVID-19
  • If cancelled for reasons other than natural disasters or as stated in the policy

Does this mean you have no reason to buy a travel insurance plan anymore? Wrong! Be it a holiday or work, your insurer will cover you for any medical emergencies as well as other travel-related issues, including loss of baggage as well as flight cancellations. However, it's important to know when a flight cancellation will be covered.

Trip Cancellation: Things to Keep in Mind

A good look at your policy documents will tell you when a cancellation is covered. For example, if you cut your trip short for personal reasons, there should be valid reasons including death or severe illness, natural disasters, loss of employment etc.

Even then, only a limited number of expenses will be reimbursed by your insurer. Many insurers offer a differential amount in case of airline booking but no reimbursement for hotel bookings.

The type of policy you have also determined the extent of coverage under this feature. Trip cancellation isn't always offered by all retail policies. While some group plans offer this benefit, hotel cancellation and other non-refundable expenditures aren't always covered.

Another important thing to remember is whether an airline already offered compensation for cancellation. In that case, the amount of airline compensation offered shall be deducted from the insurance component as per the clause of your policy. Simply put, if the airline has already compensated for the flight cancellation then the insurer won't pay you again for the same issue.

Wrapping it up,

Thus, it is important to pick your plan carefully. If travelling abroad, make sure to buy the best overseas travel insurance policy that covers flight and hotel cancellation as well as automatic extension. This way, in case of an emergency or lockdown, you will be protected in a foreign land.

Travel insurance Articles

  • Recent Article
  • Popular Articles
22 Jul 2024

Travel Insurance Add-Ons in India

The insurance scenario in India has definitely improved in the

Read more
05 Jul 2024

What is a Schengen Business Visa?

If you have ever considered a trip to Europe, you must have heard

Read more
25 Jun 2024

7 Schengen Countries Where Getting a Visa is the...

Are you planning a trip to Europe but worried about the visa

Read more
18 Jun 2024

Indonesia's Hidden Gems: Exploring the Country's...

Have you ever considered Indonesia beyond the common tourist

Read more
14 Jun 2024

Best Places to Visit in June from India

For Indians, June is a popular vacation time as schools are closed

Read more

Traveling Overseas? Credit Cards with Zero...

If you go abroad often, chances are that you prefer credit cards over carrying cash. However, using a domestic

Read more

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

Read more

Medicines to Carry While Travelling Abroad from...

Travelling abroad is an experience most people eagerly plan for. No matter how good a planner you are, there is

Read more

Visitor Insurance for the USA from India

Visitors' insurance from India is essential for anyone who is visiting friends or family in the USA. As the country

Read more

US Visa Fees for Indians

Indians who wish to travel to the US for studies or work need a valid visa for the US. The US offers several visas

Read more

STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms, and conditions, please read the sales brochure carefully before concluding a sale.

Policybazaar Insurance Brokers Private Limited, Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 | CIN: U74999HR2014PTC053454 | Policybazaar is registered as a Composite Broker | Registration No. 742, Valid till 09/06/2024 | License category - Composite Broker | Contact Us | Legal and Admin Policies

*Price shown is for a 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years

 
top
View Plans