International Travel Insurance is a type of insurance that offers coverage against medical expenses, trip cancellation, trip delay, and more. Overseas travel insurance takes care of all these mishaps during your trip to a foreign destination.
International Travel Insurance Providers offer different variants to fit into policyholder’s requirements. Overseas travel insurance has features such as loss of checked-in baggage; cashless hospitalization abroad, no medical test for individuals above 80 years of age, etc. are covered by most of the variants offered under this type of 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 overseas travel insurance.
Want to know More? Read All benefits of International Travel Insurance Here
Have a quick rundown of the things which will not be included in your overseas insurance policy:
Note: It is not the complete list of exclusions. For an exhaustive list, refer policy wordings.
Usually, overseas 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:
Claiming travel insurance is easy and non-complicated. One should inform their overseas travel 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.
Before the issuance of the policy, the policy applier has to meet certain criteria’s as mentioned below:
| Overseas Travel Insurance Companies | Entry Age (Min-Max) | Pre-Medical Tests | What’s Covered? | What’s Not Covered? |
| Reliance International Travel Insurance Plan | Anyone who is 6 months- 70 years old | Not Mandatory |
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| TATA AIG Travel Guard Insurance Plan | People upto 70 years of age | N/A |
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| Royal Sundaram Overseas Travel Insurance | People upto 75 years of age | N/A |
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| Apollo Munich Overseas Travel Insurance | Anyone who is 6 months to 70 years old | Only if you are 70 years or above, otherwise it’s not necessary |
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| Religare explore International Travel Insurance | Anyone who is 3 months to 60 years old | N/A |
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| Chola Overseas Travel Protection Policy | Individual cover from 6 months to 71 years of age. For senior citizens the age limit is upto 80 years | N/A |
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| IFFCO Tokio Overseas Travel Insurance Policy | N/A | Mandatory if you are 70 years or above. Else, it is not required |
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You need to fill all the credentials of the insurance application as mentioned in your passport. Though the main information required would be your full name, date of birth, email address, mobile number, date of travelling, ticket details, and your passport number. You would also need to mention the assignee or the beneficiary, in unfortunate incidences of death or dismemberment during travel.
You can follow these easy steps to purchase your international travel insurance policy online -
Every insurance company offers its customers broad range of payment methods, which they can choose as per their convenience and requirement. You can easily renew your international travel insurance policy online via internet banking or by using debit or credit cards as well.
Have a look at these 2 methods which you can sue to renew your international insurance policy online.
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.
UK travel insurance comes in handy in offering unique insurance protection while you are busy in exploring. The UK with its diverse scenic beauty and cultural heritage offers a range of travel goals that could be missed. Stay safe with UK travel insurance against travel emergencies while chasing your dreams.
Travelling to the USA brings lots of excitement as this destination hosts some amazing spots to treat your eyes or to keep our itchy feet to rest. However, amidst all excitement, you should not ignore that fact that you may be exposed to certain travel risks such as flight delay, trip cancellation, medical emergency etc. With USA travel insurance you can cover these incidents to keep your travel plan intact.
Does your bucket list for next travel destination include travel insurance? No, you are doing a blunder the. Apart from deciding which cities to visit while in Australia or what type of sports activities to do, you should ensure Australia travel insurance to keep your trip safe. With travel insurance you can cover your most exotic trip abroad against travel risks such as medical emergency, evacuation, flight delay/cancellation, personal liability, repatriation and so on.
This South Asian country hosts some amazing destinations for globetrotters who which to chase the excitement and thrill. The world-class theme parks, iconic waterfront, night safari, hidden gems, lush greenery etc. are some of the prime attraction. But what is something go wrong and all your planning go waste? What if you have to cancel the trip, is your trip is covered well enough for such a situation. If not do it with Singapore travel insurance right away.
Dynamic landscape, mesmerizing beaches, tranquil islands, extensive wildlife with extensive rainforests, mouth-watering local foods etc. are something that define Malaysia. It is a different level of excitement to witness captivating cityscapes, captivating cityscapes or other amazing views of this place. And if you are planning such an exotic trip then why don’t secure it with Malaysia travel insurance? Don’t you want to keep your most exotic trip of life safe?
Fly safe and Enjoy your Vacation with International/Overseas Travel Insurance
Should I buy travel insurance before booking a flight?
You can buy travel insurance anytime, even if you haven’t done your flight bookings. However, buying as soon as possible after paying for your tickets is recommended so that to cover your trip against unforeseen happenings between your flight bookings and departure date.
What is insurance for old people?
There is no set age for travelling and exploring new places. When younger people can roam around freely, senior citizens may find globetrotting quite difficult with age. Prior precaution is what recommended by the experts. In this regard, old age people can cover their trips with senior citizen travel insurance that covers the insured for medical emergencies and other non-medical risks associated with travelling.
What is the best travel insurance for international travel?
If an international trip is in the cards, don’t forget to insure it with a travel insurance plan. You can consider plenty of insurance companies and compare their plans according to your travel needs. In this regards, here’s the list of top travel insurance companies in India to consider:
2. Bajaj Allianz Travel Insurance
Can I get travel insurance for my parent for a visit to Australia to undergo dialysis?
If the purpose of your travel is especially for getting medical treatment, be it surgery or other treatments, the insurer will not cover you for the same.
Are business travellers eligible to buy travel insurance?
Yes, travel insurance plans are of two purposes, leisure and business trips. Business travellers who go abroad on a frequent basis can opt for multi-trip travel insurance plan.
How do I know about the network hospitals to avail cashless treatment?
In case of any medical emergency or hospitalisation, you can call on the international toll-free number given in your policy document. They will assist you with a required list of hospitals.
What is a daily allowance?
If the policyholder is hospitalised for more than 2 days, a pre-decided amount will be compensated as daily allowance. You can claim this benefit only once during the policy tenure. This will help you avail quality healthcare abroad. It will also take care of your family with their travel expenses for hospital visits.
What are the points to consider while buying overseas travel insurance?
First of all, you need to analyse your requirement. If the policy benefits meet your requirements, then go for it. Here you need a thorough research and comparison of plans before zeroing in on something.
Is a health check-up essential before the policy is bought?
Mostly, insurance companies don’t cover pre-existing illness, so you require a medical check-up done prior to taking up a policy. However, it completely depends on the insurer and policy terms.
How can I renew my lapsed policy?
A policy renewal is only possible in case of multi-trip policies. You can ask your insurer by calling on the toll free number when the due date arrives.
What is the maximum trip duration covered under this plan?
International travel plan covers you for a maximum of 180 days while travelling. This is extendable up to another 180 days. However, it may vary insurer to insurer.
Do I need separate travel insurance for Schengen countries?
Yes, you’ll need a separate plan to cover Schengen countries because product requirements are different and normal international travel insurance would not be valid for a Schengen country.
How to file a claim for international travel insurance?
The claiming process is easy. When an emergency arises, inform the overseas insurance provider ASAP. The insurance surveyor will make sure that the injury or illness is not pre-existent. Once your claim has been registered, a reference number will be provided for future reference. Follow the insurer’s guidance hereafter.
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