International Travel Insurance

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
  • Affordable Premium on International Travel Insurance
  • Free Quotes from Top Insurers

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 International Travel Insurance

Benefits of International 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 International Travel Insurance

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

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.

International Travel Insurance Claim

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.

Travel Insurance Comparison Portal

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.

Online International Travel Insurance

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 International/Overseas Travel Insurance

What is the maximum trip duration covered under this plan?

Ans:

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?

Ans:

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?

Ans:

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.

Can I get travel insurance for my parent for a visit to Australia to undergo dialysis?

Ans:

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?

Ans:

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?

Ans:

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?

Ans:

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?

Ans:

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?

Ans:

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?

Ans:

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.

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