International Travel Insurance

International Travel Insurance: PolicyBazaar offers a wide range of international travel insurance from top insurers. Compare and choose the plan with best benefits at affordable premium.

  • Compare International Travel Plans
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Travelling can be fun but at the same time it can become challenging as well. We generally pack our stuff with great zeal and curiosity but if we are not well prepared ahead of the travel, it can be a headache as well. So, before leaving for your eventual travel, little planning certainly helps you making your trip smoother. International travel insurance ensures you safe trip by providing lots of benefit. Overseas Travel insurance offers coverage for medical expenditure, trip cancellation or delay and more, so that any unforeseen situation does not ruin your fun.

Benefits of Travel Insurance

Travel insurance may be the last thing on your mind when you’re creating travel plans but there are many advantages of buying travel insurance, particularly if you are travelling long haul. Let’s have a close look at benefits which you can enjoy with travel insurance.

      • Emergency medical treatment and assistance: Overseas travel insurance provides cover in case of any medical assistance required while travelling. Foreign travel insurance covers pre and post hospitalization expenses along with repatriation expenses.
      • Trip cancellation and trip interruption coverage: International travel insurance provides benefit in case of whole or partial trip cancellation by providing cost of your trip. It also provides coverage if your trip terminates due to any personal or professional reason.
      • Loss of Baggage: In case of loss or delay of baggage, insurance providers compensate insured by providing full amount of the lost baggage.
      • Legal liability coverage: International travel insurance provides coverage of legal liability arising from damage to a third party. It covers legal costs in case of involvement in legal suit.
      • Loss of important travel documents: Overseas travel insurance helps in case of loss of important travel documents like passport, tickets etc. It provides fees to reapply your documents.
      • Hospital cash: It pays daily allowance to the person in case of hospitalization, either due to sickness or an accident.
      • Repatriation of remains: It covers expenses incurred in moving the insured person to his/her country of residence.
      • Hijack distress allowance: Compensation is payable in the event of hijack of the common carrier in which the insured person is travelling. Insurer will pay allowance for each day of the hijack up to the total limits specified in the policy.
      • Personal accident: If you get hurt or die during trip, insurer will pay amount to compensate you or your loved ones.
      • Emergency financial assistance: Monetary assistance is provided if the insured loses all or substantial part of his travel funds due to theft, robbery or pilferage.

Want to know More? Read All benefits of International Travel Insurance Here

Exclusions in Overseas Travel Insurance

Just like it is not feasible to pack everything in one suitcase, similarly it is not possible to get coverage of all sorts. Here’s a list of things your policy won’t cover.

      • Pre-existing disease unless it is a life-threatening condition
      • Terrorism
      • AIDS or HIV
      • Self inflicted injury or suicide
      • Participation in criminal act
      • Treatment of nervous and mental problem
      • Participation in hazardous activities like bungee jumping, parachuting, etc.

Note: It is not the complete list of exclusions. For an exhaustive list, refer policy wordings.

Overseas Travel Insurance Coverage

Usually, foreign travel insurance is taken at the time of booking of a trip. It covers individual risks such as medical protection, financial coverage or any other loss. Travel insurance offers below coverages:

      • Student Travel cover: It provides cover to student who has gone to other country for studies.
      • Business Travel cover: It covers business traveller who has gone to attend any conference or onsite work.
      • Holidays/Leisure travel: People travelling to other country on a leisure trip are covered under travel insurance.

How to File a Claim for international travel Insurance?

Claiming travel insurance is easy and non-complicated. One should inform their overseas insurance provider at the time of medical assistance while travelling. Every insurance provider has its own medical team which will make sure that your injury or illness is a non-pre-existent. Claims not intimated to providers can be rejected. Insurance providers also ask to submit claim forms with your personal and journey details.

What makes PolicyBazaar a Preferred Insurance Comparison Portal?

Enter basic details about your trip and get custom comparison of prices and available insurance options. Helping business and leisure travelers alike in solving travel related glitches, PolicyBazaar’s global reach and proven operational abilities allow travelers to get complete peace of mind. We will help you compare and select the best international travel insurance plan with optimum premiums so that you get right protection while travelling.

5 Reasons why you should rely on our services-

      • Instant premium from a wide range of available insurance companies
      • Compare travel insurance plans of different companies
      • Our comparison results are unbiased
      • Get all information about travel insurance at free of cost
      • Buy travel policy instantly

Fly safe and Enjoy your Vacation with Travel Insurance

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:
  1. For single trip- Insurance cover starts the moment you board the flight, bus or train.
  2. 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-

    1. Bills/ Prescriptions/ vouchers/ reports/ discharge summary, containing name of the person treated, type of ailment, details of medical treatment and date of treatment.
    2. 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.
    3. 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.
    4. 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.
    5. To claim loss of baggage, an insured has to give the proof of value of articles.
    6. For personal liability, proof of judicial decision given by the court of law.
    7. 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.

Is loss of passport covered?

Ans:

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.

Are ambulance charges covered under the policy?

Ans:

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

What is medical repatriation?

Ans:

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

What is medical evacuation?

Ans:

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

What are the benefits available under hijack distress allowance?

Ans:

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.

Does travel insurance cover loss of credit card/cash?

Ans:

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

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

Ans:

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.

Is my visa status sufficient to get overseas travel insurance?

Ans:

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

Is emergency financial assistance available under travel insurance?

Ans:

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.

Can I avail cashless facility for hospitalization under travel insurance?

Ans:

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

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